Если процент по вкладу станет выше, я оставлю деньги в банке.

That is a very common question. Russian and English handle future conditions differently.

In Russian, when you are talking about a real possible future situation, both parts can use future forms:

• Если процент по вкладу станет выше, я оставлю деньги в банке.

Literally, this is something like:

• If the interest rate becomes higher, I will leave the money in the bank.

In English, after if, we normally use the present form for this kind of meaning:

• If the interest rate gets higher, I’ll leave the money in the bank.

So this is a normal difference between the two languages, not a special exception.

The comma separates the if-clause from the main clause.

• Если процент по вкладу станет выше = subordinate clause
• я оставлю деньги в банке = main clause

In Russian, clauses introduced by если are normally separated by a comma.

So:

• Если ..., я ...
• Я ..., если ...

Both patterns take a comma.

Here процент means the interest rate or rate of return on the deposit.

So:

• процент = percentage / interest rate
• по вкладу = on the deposit

Together, процент по вкладу means something like:

• the interest rate on the deposit
• the interest on the deposit

In financial Russian, this is a very natural phrase.

This is an important nuance.

• процент in the singular often refers to the rate
• проценты in the plural often refers to the interest payments / interest money

So:

• высокий процент по вкладу = a high interest rate on a deposit
• получать проценты = to receive interest

In this sentence, the focus is on the rate becoming higher, so the singular процент is the natural choice.

Вкладу is in the dative case.

That is because the preposition по often takes the dative, including in financial expressions like this one.

Base form:

• вклад = deposit

Dative singular:

• вкладу

So:

• по вкладу = on the deposit / for the deposit

This is just the standard form after по in this meaning.

Not exactly.

Вклад usually means a bank deposit, especially money placed in a bank to earn interest. It is closer to:

• deposit
• savings deposit
• sometimes term deposit, depending on context

It is more specific than a general bank account.

So this sentence is not just about money sitting in any account. It suggests money placed in the bank as a deposit that earns interest.

Both are possible in some contexts, but станет выше emphasizes change:

• станет выше = becomes higher
• будет выше = is/will be higher

So in this sentence:

• Если процент по вкладу станет выше...

the idea is:

• if the interest rate goes up
• if it becomes higher than it is now

That is why станет works especially well here.

Because Russian usually uses the simple comparative very naturally in sentences like this.

• выше = higher

So:

• процент станет выше = the rate will become higher

This is much more natural than a longer form like станет более высоким in everyday use.

Russian often prefers the simple comparative when comparing change in level, size, price, rate, and so on:

• цены станут выше = prices will become higher
• зарплата станет больше = the salary will become bigger

Оставлю is the perfective future of оставить. It fits because the speaker is talking about a single future decision or result:

• I’ll leave / keep the money in the bank

The imperfective future буду оставлять would usually suggest an ongoing or repeated action, which does not fit as well here.

So:

• оставлю = I will leave / keep
• буду оставлять = I will be leaving / will leave repeatedly

In this context, оставлю is the normal choice.

Yes. In this sentence, оставлю деньги в банке is best understood as:

• I’ll keep the money in the bank
• I won’t withdraw the money

A very literal English translation with leave is possible, but the real meaning is closer to keep it there.

So this is not about physically forgetting money somewhere. It means the person will let the money remain in the bank deposit.

In modern Russian, деньги is normally a plural noun meaning money.

So even though English uses singular money, Russian uses plural деньги:

• деньги лежат = the money is lying there
• я оставлю деньги = I will leave the money

There is an old/historical singular form деньга, but in normal modern standard Russian, when you mean money, you use деньги.

В банке means in the bank or at the bank, depending on context.

Here:

• в = in
• банке = prepositional case of банк

Because the meaning is that the money remains inside the banking institution, в банке is the natural phrase.

In this sentence, it means the money stays deposited there, not literally lying inside the bank building.

Yes. Russian word order is flexible, although the most neutral version here is:

• Если процент по вкладу станет выше, я оставлю деньги в банке.

You could also say:

• Я оставлю деньги в банке, если процент по вкладу станет выше.

The meaning stays the same. The difference is mainly in emphasis:

• starting with Если... puts the condition first
• starting with Я оставлю... puts the decision first

Both are correct.