Banks of Moscow-City and the Big City

The Moscow International Business Center (Moscow City) is the largest business district in Russia's capital. It is home to the offices of most of the country's systemically important banks. According to a specialized portal, the following key banks have branches in Moscow City:

• Sberbank is Russia's largest bank. It has several offices in Moscow City (including Afimall 1 and Afimall 2) and an extensive ATM network. It offers a full range of services (deposits, loans, cards, business services, etc.).

• VTB is a large state-owned bank with branches in the Federation Tower and Afimall City. It actively serves both corporate and retail clients.

• Gazprombank is one of the leading state-owned banks. It has an office in the Federation Tower and ATMs in key locations. It offers competitive deposit rates and services to corporate clients.

• Alfa-Bank is the largest private bank. It has a branch in the Mercury City Tower and offers extensive online and mobile banking options. Its loan and deposit options are traditionally competitive.

• Raiffeisenbank is a subsidiary of the Austrian RBI Group. Its branch is called "Northern Tower." As Forbes notes, Raiffeisenbank is listed as a systemically important bank in Russia and is distinguished by its ability to maintain services for clients even in a challenging foreign policy environment.

• Rosbank (Societe Generale) is a branch of the French bank, with offices in the "Tower on the Embankment" and "OKO" shopping centers. It primarily serves the retail and corporate segments.

• Rosselkhozbank is the largest agricultural bank, with an office in the IQ Quarter. It focuses on lending to the agricultural sector and retail businesses.

• Pochta Bank – focused on a wide network of customer locations, with an office in the Gorod Stolits residential complex. Offers basic banking services (cards, loans, deposits).

• Credit Europe Bank is a small "import" bank (formerly the Moscow representative office of the Turkish KEBC). Its office is located in the "Tower on the Embankment." It provides lending services (including car loans) and retail banking.

• Uralsib is a mid-sized private bank. Its branch in the Mercury district offers standard retail products (deposits, loans).

• Other banks: Zhivago Bank (formerly Bank Moscow-City) – branch in the Federation Tower; FORA-Bank – in Afimall City; Dom.RF – in the IQ Quarter. These banks are smaller and specialize, for example, in serving corporate clients or narrow segments.

ATMs and currency exchange

Almost every major bank in Moscow-City has ATMs. Sberbank, Alfa-Bank, Gazprombank, Credit Europe, Otkritie, Raiffeisenbank, and others have several self-service machines in different towers of the complex. For example, Alfa-Bank has ATMs in OKO, Mercury, Imperia, and Severnaya Tower; Sberbank has ATMs in Afimall City, Naberezhnaya Tower, Severnaya Tower, Evolution, and Mercury; and VTB has ATMs in Naberezhnaya Tower, among others. Other ATMs include those of Gazprombank, Otkritie, Rosbank, Tinkoff, and others (see the list on the Moscow-City website).

There are also several currency exchange offices operating within Moscow-City:

• Zhivago Bank is an exchange office located in the basement of the Federation Tower.

• Trade City Bank – exchange at Afimall City (1st floor).

• Renaissance Credit – exchange in the Moscow tower (City of Capitals residential complex, 2nd floor).

• Bank Finservice – exchange in "Tower 2000" (2nd floor).

Each of these offices has its own operating hours and exchange rates. Exchange offices at traditional banks (usually located in large offices) provide basic currency buying and selling services.

Moscow City Bank/ATM Rating

Banks of the Big City

The "Big City" project is a large-scale integrated development program covering over 3,200 hectares around the Moscow-City International Business Center. New office towers, residential neighborhoods, and shopping and entertainment complexes are planned for the area. The first phase will include residential projects (Capital Group's "Heart of the Capital," the "Lucky" residential complex, the "Khodynka" district, and others) and commercial buildings (the SEZAR CITY business center and others). Currently, there are no large-scale bank branches in the "Big City" area, but with the addition of office and residential properties, financial infrastructure is expected to develop (the ground floors of the new complexes already include retail and service spaces, including stores and service outlets). Over time, branches of major banks will likely open here—along with those already located in Moscow-City—to service the new business centers and residential neighborhoods.

Terms of service and bank ratings

Moscow-City is primarily home to large banks offering a full range of financial services. Sberbank and VTB, the largest players by assets, offer a wide range of classic products: deposits, consumer and mortgage loans, credit cards, brokerage and mortgage services, and advanced online and mobile banking. Forbes notes that Sberbank demonstrates the highest profits and holds a leading position in all market segments, offering "the full range of investment banking services." VTB, the second largest, is an active participant in corporate and retail lending. Raiffeisenbank is also listed as a systemically important credit institution in Russia, demonstrating its stability and broad range of services. Other large banks (Gazprombank and Alfa-Bank) are known for their stable operations: they typically offer moderate deposit rates and competitive credit products.

In general, service conditions (interest rates on deposits, loans, and service costs) at leading banks are similar and in line with the overall market level. Small and medium-sized banks may offer special rates or higher rates to attract clients, but their reliability is rated lower. According to expert reliability ratings, Sberbank (No. 1 according to Forbes) and VTB (No. 2 according to Forbes) lead, while their closest competitors are large systemically important banks (Raiffeisenbank, Gazprombank, Alfa-Bank, etc.). Small banks (such as Uralsib, Zhivago, FORA-Bank, etc.) lag behind the market leaders in terms of service.

Below is a comparative table of some banks operating in Moscow City, indicating the main terms of service and an approximate rating (based on the combination of service quality and reliability):

Table of bank reliability, conditions and key areas

It should be particularly noted that Trade City Bank (TGB) and Bank Finservice do not have a valid banking license (their licenses were revoked by the Central Bank back in 2017), so they effectively operate only as currency exchange offices. The other banks listed have valid licenses and participate in the deposit insurance system.

Financial results of Russian banks (2024)

According to the results of 2024, the main Russian banks demonstrated high profitability (according to IFRS or RAS reporting data):

• Sberbank: net profit for 2024 amounted to approximately 1.58 trillion rubles.

• VTB: net profit for 2024 – approximately 551.4 billion rubles.

• Alfa-Bank: net profit for 2024 is approximately 210 billion rubles.

• Gazprombank: net profit for 2024 – 195.2 billion rubles.

• Rosselkhozbank: net profit for 2024 – 39.8 billion rubles.

• Uralsib: net profit for 2024 is approximately 3.0 billion rubles.

• Raiffeisenbank (subsidiary): net profit (from operations in Russia) amounted to €873 million (approximately 80–90 billion rubles).

Sources: Open portal data on banks, ATMs, and currency exchange offices (addresses and operating hours); analytical publications from Forbes and Banki.ru on the size and reliability of banks; official information from the Bank of Russia on licenses.