1. Criterias of choice
  2. Rating of Russian banks by reliability
  3. Rating of Russian banks by deposits
  4. Rating of Russian banks by assets
  5. Rating of Russian banks by loans
  6. Conclusion

Rating of the best banks in Russia for 2020

Rating of the best banks in Russia for 2020
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A modern person, one way or another, is constantly faced with the work of the banking system - from receiving wages on a card, and ending with the registration of deposits, loans, etc. Unfortunately, not every person is financially literate and understands that all banks are different, and, accordingly, they form conditions for their counterparties according to various criteria, which are not always beneficial for the second party.

In this review, we will find out what kind of banks there are, consider the criteria for choosing and assessing banking institutions, and also tell you what to look for in order not to make a mistake when choosing. We have also compiled a rating of the best Russian banks providing quality services to the population.

Criterias of choice

Before choosing a bank, it is necessary to conduct a comparative analysis on several indicators.

Interest rate

This criterion is at the top of the list, as it is one of the most important. As a rule, in most organizations this indicator is approximately the same, but it makes sense to look for the most favorable conditions. Too much income in percentage should alert a potential client, since such values ​​are set either by organizations that have a difficult financial situation, which means they want to attract a large number of depositors in a short time, or fly-by-night companies engaged in fraud.

Such institutions have an increased risk of bankruptcy, as a result of which, in both cases, you run the risk of losing your money savings, therefore, according to the recommendations of experts, you should not "be led" on exaggeratedly good promises. Particular attention should be paid to those companies that have average interest rates on short-term deposits, as well as increased for a period of 1 year or more. This is a clear sign that the company does not have enough liquid funds and is looking for any opportunities to “stay afloat”, including at the expense of depositors.

Reputation and rating by financial performance

Unfortunately, most depositors practically do not pay attention to these characteristics when choosing banks, and in vain. Independent agencies publish comparative tables annually, which assess such parameters as:

  • The period of the activity. The larger it is, the better, since the minimum period should be at least 5 years.
  • The volume and structure of capital. It is recommended to evaluate the network of branches and ATMs in your city, as well as the location and appearance of the main office.When evaluating these ratings, one should pay attention to such an indicator as "the share of equity in the total capital". The higher the value, the better. The authorized capital must be at least one billion rubles.
  • The composition of the founders and owners of the institution. Most often, a financial conglomerate is made up of large private, state or transnational organizations. Priority should be given to those where the share of the state is higher.


This criterion is often considered the most important, but in fact it does not play a big role in choosing a bank. You will not have to visit bank branches very often, so sometimes it is better to put up with the remoteness of the office for the sake of other characteristics of the bank. If the availability of the office is of great importance to you, then you should also evaluate such parameters as the opening hours of the branch and the location of the information kiosks (the wider their network, the easier it will be to perform the necessary actions on your own, without visiting the branch).

Availability of additional services and services

The wider the list of additional functionality, the more convenient it is to work with the institution. Large companies offer services such as SMS notification of all transactions on the account or the upcoming date of payment of the next installment on the loan, as well as applications for monitoring funds using a smartphone, discount cards and cashbacks, the ability to replenish the deposit in various ways (through a branch, info kiosk , mail, internet banking, etc.).

Whichever banking institution you choose, you cannot keep all your savings in it in order to avoid the risk of losing them. It is best to divide the savings into several parts and store them in different organizations.

Rating of Russian banks by reliability

The criterion "reliability" includes the organization's ability to fulfill its obligations to counterparties (not only individuals, but also legal entities). Indicators such as capital structure, financial reporting documents, number and composition of founders, customer reviews and availability of guarantees are assessed. According to the Central Bank of Russia, the following institutions are among the top banks in terms of reliability.


Address: Moscow, st. Vavilov, 19.

Phone: ☎ +7 495 500-55-50, 900 - free from mobile operators in Russia.

Working hours of the central office: Monday-Sunday from 09:00 to 22:00.

Official website on the Internet:

In terms of trust, this Russian bank needs no introduction. It is the largest in Russia and Central and Eastern Europe. The foundation date of the institution is considered the signing by Nicholas I in November 1841 of the "Decree on the creation of savings banks in Russia." Thus, the history of the organization goes back over 175 years.

Today, the company serves more than 95 million individuals, and the number of employees exceeds 270,000 people. There are more than 14,000 divisions in the Russian Federation. Sberbank has branches in 18 foreign countries. The main share of the authorized capital of the organization (52%) is owned by the state (represented by the Ministry of Finance of the Russian Federation).

Individuals are offered a wide variety of deposits, consumer loans and other financial instruments. The company issues branded bonus cards with cashback (up to 5%), exchanges currency, and also serves the accounts of individuals and legal entities. Pensioners will be interested in the possibility of applying for a pension using a Sberbank card. Its advantage lies in the fact that up to 3.5% per annum is charged on the card balance.

In a pandemic, the availability of online services is also important. In this regard, Sberbank offers a wide choice - sending transfers and paying for communication services, housing and communal services, opening deposits, tracking payments and much more. You can install an application on your phone that allows you to control all accounts, as well as instruct Sberbank to conduct a particular operation.Parents will be interested in the Sberkids mobile application for children, which makes it possible to transfer money to a child and control his expenses.

In addition, there are a large number of additional services. Among them are our own non-state pension fund, a parcel delivery service in Russia, consultations of professional lawyers and doctors, OKKO and Beru applications, Sberfood, home delivery of groceries, etc.

  • universal banking organization;
  • many services are available online, which is important during a pandemic;
  • state ownership and large circulating assets allow you to be confident in the reliability of the company;
  • a large number of additional services;
  • have the necessary certificates and licenses;
  • clients have the opportunity to get free advice from lawyers and doctors;
  • high ratings by independent sources.
  • not the most favorable exchange rates.

VTB Bank

Address: St. Petersburg, st. Bolshaya Morskaya, 29.

Phone: ☎ + 8 (800) 100 24-24.

Working hours of the central office: Monday-Friday from 09:00 to 20:00.

Official website on the Internet:

This institution is a public joint stock company and has been operating since 1990. Initially, the company was called Vneshtorgbank and was represented not only in the Russian Federation, but also in the CIS countries. It has now merged with several organizations and is a group of companies. The firm is represented in the Republic of Belarus, Ukraine, Kazakhstan, Azerbaijan, Armenia, Germany, Great Britain, China, India, etc.

Most of the common shares are owned by the Russian Federation (Rosimushchestvo), and preferred shares have been transferred to the Ministry of Finance and the State Corporation "Agency for Deposit Insurance". The total share is over 90%.

Like other similar financial institutions, VTB works not only with individuals, but also with small, medium, and large businesses. A wide range of credit and investment programs is presented. According to the description on the organization's website, consumer loans are available at a rate of 7.5% per annum, car loans - from 2%, mortgages - from 6.5%, and deposits - up to 7%.

Most operations can be performed without visiting the company's office. For this purpose, the VTB-online service is offered, which, according to the administration's assurances, is more profitable than in the office. Deposits under this system have state insurance, therefore, in the event of force majeure, they are paid in full. There are also various promotions and discounts from payment systems (Visa, MasterCard, MIR) and partners (Lenta, Philips, Yves Rocher, etc.).

Participants of the "Privilege" program are promised to assign a personal manager to them, who will help them understand the whole variety of offered products, as well as answer questions and help fill out the necessary documents. The program includes receiving a multicard with bonus options, premium products and services. For example, this includes roadside assistance, travel insurance, favorable rates on deposits, loans and cashback up to 4.5%. The cost of servicing the card is 5,000 rubles per month. No fee will be charged in case of payment for purchases with a card from 100,000 rubles and for receipts to the account from 200,000 rubles.

  • high reliability rating;
  • most of the shares are owned by the state, which provides confidence in the stability of the company;
  • a large number of online services;
  • quick decision making on loans;
  • various bonuses and discounts;
  • inexpensive loans.
  • the site rarely updates information about the operating hours of offices and departments.


Address: Moscow, st. Novocheremushkinskaya, 63.

Phone: ☎ 8 (800) 100-07-01 (free in Russia).

Working hours of the central office: Monday-Thursday from 09:00 to 18:00, Friday from 09:00 to 16:45.

Official website on the Internet:

This joint stock company has been operating since 1990.As the name implies, the company owes its foundation to the Gazprom enterprise. Its shares belong to both the aforementioned organization and individuals.

More than 380 branches have been opened on the territory of the Russian Federation, and the authorized capital exceeds 195 billion rubles. The company takes part in the deposit insurance system, issues and maintains plastic cards, issues consumer, mortgage and car loans to the population, and also works with deposits and investments. Services are also offered for life insurance, servicing private businesses, accumulating an additional pension, etc.

Of the online services, it is worth highlighting Internet banking, the availability of a mobile application and brokerage services. For those whose income has recently decreased by more than 30%, the bank (like most other credit institutions) provides credit holidays for up to 6 months in accordance with Federal Law No. 106 of 03.04.2020. This program includes deferred payments for consumer, mortgage and car loans, as well as credit cards.

One of the bank's unusual offers is a card with an individual photo. You can put a photo of a person and even a beloved pet on it. If there is no such photo, then you can choose a design to your taste on the company's website. Despite the individual design, the card has all the functions that are inherent in the standard - it can be used to pay in stationary and online stores around the world, as well as use the functions of mobile and Internet banking.

In addition to its main activity, the institution also offers additional services - the Virus. No ”(service cost - 4,600 rubles per year). It provides for insurance payments in the event of a coronavirus in the amount of 1,000 rubles daily for 14 days, in case of death - 1,000,000 rubles. The program also includes a consultation with a psychologist, remote legal assistance, insurance in case of loss of work (when an employee leaves for reasons beyond his control, an amount is paid in the amount of 1/6 of the amount of insurance for every 30 days of unemployment). In total, no more than 6 payments are available. The "Cloudless Future" program includes an extensive list of preventive medical examinations, and not only doctors' consultations are paid, but also related expenses.

  • an extensive list of additional services;
  • stable operation of the company is ensured not only by a large authorized capital, but also by the fact that it is owned by one of the leading enterprises in Russia;
  • a large number of positive customer reviews;
  • a convenient site that contains information about how much a particular product costs, office contacts, a reference book on exchange rates, information on promotions and discounts.
  • the state has no stake in the company's shares.

Rating of Russian banks by deposits

The first 3 lines in the rating of the most favorable conditions for deposits are occupied by Sberbank, VTB and Gazprombank, which were considered in the reliability rating, so we will not repeat ourselves and consider the next representatives.

Alfa Bank

Address: Moscow, st. General Belov, 35.

Phone: ☎ 8 800 200-00-00 (free in Russia).

Working hours of the central office: Monday-Friday from 09:00 to 16:00, Saturday from 10:00 to 16:00.

Official website on the Internet:

Like other similar companies, Alfa-Bank was founded in 1990. Its main shareholder is AB Holding OJSC. The organization currently has over 670 branches across the country. The main areas of the bank's activities are investment activities, registration and issuance of loans, mortgage and car lending, currency exchange operations, issuance of securities, bank cards, etc.

In a difficult situation with the coronavirus, the company offers favorable conditions for its customers - it reduces payments by 70% on credit cards and by 20% on loans opened in Alfabank. There is also an opportunity to apply for a credit vacation for loans of up to 5 million rubles. Cashback and interest payments on card balances were also increased for those who switched to online services (cinemas, home delivery of groceries and goods).

Many customers mark their credit card for 100 days without paying any interest. This is a handy tool when money is needed “here and now”. Those who have a salary card in this bank will be interested in special offers - cash loans from 7.7% per annum, the possibility of refinancing up to 5 loans, etc. The company has its own mobile application that allows you to monitor the account status, receive SMS alerts all operations performed, pay for utilities, internet, fines without unnecessary actions using the QR code, etc.

Investors are offered a large number of different programs - free services for accumulation ("Piggy bank for change", "Piggy bank for salary", automatic replenishment of the savings account and deposits for specific purposes), deposits ("Victory +", "Potential +"), savings accounts ( Alfaschet, Accumulation and Miles from Aeroflot for the account balance).

  • favorable conditions for individuals who have an Alfabank salary card;
  • a large number of different types of deposits;
  • various promotions and discounts are constantly held;
  • periodically new programs with favorable conditions are introduced.
  • some clients are deterred by private ownership.


Address: Moscow, Gagarinsky per., 3.

Phone: ☎ 8 (800) 100-0-100 (free in Russia).

Working hours of the central office: Monday-Saturday from 09:30 to 20:00, Sunday is a day off.

Official website on the Internet:

The bank was established in 2000 and during this time has reached the level of one of the largest in Russia. The institution provides all types of services, but the main direction is budget financing of the agro-industrial complex (agro-industrial complex). The entire block of shares is owned by the state.

The bank has 66 branches across the country, and it is also represented in Belarus, Kazakhstan, Armenia and China. The institution offers mortgage lending in the countryside (at a rate of 2.7%), bank cards with charges on the balance of funds and deposits on favorable terms.

Most popular contributions:

  • with increased inserts - "Gold Premium", "Maximum Premium Savings", "Platinum Premium";
  • with maximum rates - "Your income", "Your opportunities" and other offers within the "Ultra" tariff;
  • promotional products - "jubilee rate", etc.

Deposits in the company are insured by the "Deposit Insurance Agency", therefore, when an insured event occurs, each depositor receives payments in accordance with the law. In the event of such an event, each depositor has the right to receive 100% compensation within the amount of 1,400,000 rubles for the aggregate of accounts.

  • a large number of deposits;
  • state ownership;
  • informative and intuitive official website;
  • provide all types of banking services.
  • few branches in the regions.

Rating of Russian banks by assets

The first 3 lines of the rating according to this criterion are again occupied by Sberbank, VTB and Gazprombank. In fifth place is Alfabank, in sixth - Rosselkhozbank. We have considered all these companies earlier, so we will not repeat ourselves. Let's pay attention to the applicants who are in fourth place - the National Clearing Center, and also in seventh - Bank Otkritie.

National Clearing Center

Address: Moscow, Bolshoi Kislovsky lane, 13.

Phone: ☎ +7 495 363 32 32.

Working hours of the central office: Monday-Thursday from 09:00 to 18:00, Friday from 09:00 to 16:45.

Official website on the Internet:

This center has been operating since 2006 and is a non-bank lending institution. She works with securities and has an agreement with the MICEX foreign exchange market. The firm works with both individuals and legal entities, offering clearing, risk management, web-clearing, OTP, etc.

Of the features, it is worth highlighting the lack of a network of branches and ATMs. All operations are carried out through the head office or using Internet resources. The international rating agency FitchRatings has assigned a BBB rating to the clearing center, which means a stable outlook. The same assessment was made by an analytical credit rating agency. The center works with state support, and in addition to working on the domestic securities market, it operates abroad in the form of membership in international associations.

On the site of the center, you can find the current tariffs for commissions for services provided to individuals and legal entities. Due to the fact that there is only one office, most issues are resolved in a remote format, for which a developed support service has been created. Contacts (phone numbers and email addresses) can be found on the official website.

  • the center works with state support, which guarantees stable work;
  • high ratings of international agencies;
  • convenient and informative site with which you can remotely resolve most issues.
  • relatively short period of work.

Bank opening"

Address: Moscow, Kozhevnicheskaya street, house 14, building 2.

Phone: ☎ +7 (800) 700-78-77.

Working hours of the central office: Monday-Friday from 09:30 to 21:00, Saturday from 10:00 to 18:00, Sunday is a day off.

Official website on the Internet:

The institution is privately owned and created by merging 10 commercial banks. The company has been operating since 1993. 99% of the shares are owned by the Bank of Russia. The firm has a well-developed network of offices and ATMs, which has more than 600 branches. The financial group includes Rosgorstrakh, NPF Otkrytie, MC Otkritie, Otkritie Broker, JSC Baltic Leasing, and others.

The company works with both individuals and legal entities, including corporations and financial institutions. Loans (consumer and credit cards), payment cards, mortgage programs, deposits, savings accounts, payments, transfers, investments, insurance and pensions are available to private clients. There is also a branded mobile application with which you can not only pay for services, but also buy goods over the Internet. Various promotions and discounts for customers are periodically held. According to the latter, the average cost of servicing in a bank is comparable to that of other similar firms.

Otkrytie's salary clients are offered cashback up to 11%, free SMS notifications about the receipt of funds on the account, reduced rates on loans, mortgages and refinancing, as well as favorable conditions on the Open deposit - 6.8%.

  • developed network of offices;
  • favorable conditions for clients who receive a salary on a bank card;
  • high proportion of assets;
  • a large number of additional services - a non-state pension fund, insurance and leasing organizations.
  • it is difficult to find information on the opening hours of the branches on the website.

Rating of Russian banks by loans

The first 5 lines of the rating are occupied by firms that were described earlier (in descending order) - Sberbank, VTB, Gazprombank, Alfa-Bank and Rosselkhozbank. In order not to duplicate information, consider the following applicants. Credit Bank of Moscow is in sixth place, National Clearing Center is in seventh place (reviewed earlier), Otkritie Bank is in eighth place (discussed earlier), and Trust National Bank is in ninth place.

Moscow credit bank

Address: Moscow, Lukov per., 2, building 1.

Phone: ☎ 8 (800) 100-48-88.

Working hours of the central office: Monday-Friday from 11:00 to 19:00, Saturday, Sunday - closed.

Official website on the Internet:

The organization has been operating for over 27 years. She works with both private and corporate clients. The company is a member of the state deposit insurance program, thus guaranteeing its full safety to its clients.

The bank provides deposits (the most popular are “Advantageous Approach” and “MEGA Online”), loans (non-earmarked, mortgage, credit cards, refinancing and restructuring of loans), issuing a large number of cards (“Moskarta”, “Wisdom” - for pensioners etc.), payment rings, health and accident insurance, as well as settlement and cash services for pensioners.

Of the interesting credit products, one can single out the “More Can” card. It makes it possible to use the bank's funds for 123 days without paying interest. During this period, a grace period is provided, during which you have to pay mandatory payments with a small amount. There is also a preferential mortgage loan at 5.75% per annum for up to 12 million rubles.

A loan from this bank can be repaid using the "MKB Payments" service using any card. A receipt for payment can be received by e-mail.

  • a large selection of loan products on favorable terms;
  • high position in the ratings of domestic and international agencies;
  • a large number of ATMs in all regions;
  • an extensive list of services provided.
  • some customers are dissatisfied with the quality of their service.


Address: Moscow, st. Odessa, 2.

Phone: ☎ 495 721 99 00.

Working hours of the central office: Monday-Friday from 11:00 to 19:00, Saturday, Sunday - closed.

Official website on the Internet:

The company has been operating since 1996 and is part of the international corporation Raiffeisenbank International. More than 140 branches are located on the territory of the Russian Federation. According to Forbes magazine, the organization is the most reliable bank in Russia.

The firm offers a wide range of products that will interest potential customers. These include a plastic card with a cashback of 1.5% for all purchases, a consumer loan with a rate of 8.99% for any purpose, a credit card with a grace period of 110 days, opening savings accounts with an annual income of up to 4.5% and much other.

Clients with high earnings may be interested in the terms of premium service. It is provided if there is an amount on the account that exceeds 2.5 million at the end of the month, or if payments on the account per month exceed 250,000 rubles or the payment of wages to the account in the amount of 500,000 rubles or more. Such clients receive a number of advantages: a personal manager with dedicated service areas, individual exchange rates, risk insurance, travel assistance, on public roads, etc.

The company monitors the quality of the work of its employees. The site even has a special form, by filling it out, you can leave feedback on the work of this or that employee.

  • high quality of service;
  • a large number of positive reviews from depositors and creditors;
  • favorable conditions for loan products;
  • the company is a member of a large international corporation;
  • high positions in international rankings.
  • not detected.


When choosing which services and which banking company it is better to resort to, it is worth making a balanced and deliberate decision, having previously estimated many factors, since the success of your work with the bank depends on their result. Since it is not easy for each of us to get money, it is worth making every effort to save it as much as possible and increase it.

When choosing a bank, you should pay attention not only to the reviews of visitors, but also to the ratings of Russian and international agencies, which reflect the real financial condition of a particular company. We recommend giving preference to banks with a high state share in the authorized capital. This guarantees that in the event of force majeure you will be able to return the money invested.

We hope that our review helped you to make the right choice and use your funds as efficiently as possible.