How is the deposit paid out?

The deposit amount and interest thereon shall be transferred to the client's current account specified in the bank deposit agreement

Is there a possibility of early deposit repayment?

The terms and conditions of the deposit do not provide for early full or partial deposit repayment.

Is it required to provide documentary confirmation of the source of funds when placing deposits?

When placing a deposit(s) for a total amount exceeding UAH 400 thousand or in case of inconsistency of the financial transaction with the Client's financial condition, the Bank has the right to request documentary confirmation of the source of funds from the Client

What documents can be submitted to the Bank to confirm the source of funds?

For salary recipients:Certificate OK-7 or OK-5 (for employees) in electronic form - on the Diia website or on the portal of the Pension Fund of Ukraine;in paper form - contact the Pension Fund. The certificate must bear the stamp and signature of the state body. For pension recipients:Pension certificate in electronic form - on the portal of the Pension Fund of Ukraine;in paper form - contact the Pension Fund. The certificate must contain the stamp and signature of the state body. For entrepreneurs:Tax declaration of individual entrepreneursin electronic form - in the personal account of the tax service;in paper form - contact the State Tax Service of Ukraine. The tax return must be stamped by the controlling authority as having been received. The above list of documents contains the most common examples of documentary confirmation of the source of funds and is not comprehensive.

Is the income received from placing a deposit taxable?

Yes, interest on deposits is subject to taxation at the rate of 18% (PIT) + 1.5% (military tax)

How to opt out of the auto-prolongation of the deposit if the auto-prolongation option was selected when concluding the agreement?

The client shall notify the Bank of refusal to extend the term of the deposit no later than 1 (one) business day before the expiry of the deposit by sending a letter by e-mail or submitting a written application at a branch of the Bank or by calling the Customer Care Centre.

Deposit "Become Rich"

Deposit that allows you to simultaneously save and increase funds due to interest capitalisation

Main parameters of the deposit "Become rich"

Deposit term

From 3 to 18 months

Deposit currency

Hryvnia (UAH), US Dollar (USD), Euro (EUR)

Interest payment frequency

At the end of the term with monthly capitalization

Right of early return

Not available

Deposit "Become rich" calculator

Note:

This calculation is a preliminary estimate.
The example of the deposit terms calculation is for informational purposes only and is not a public offer.
The calculation is based on the fact that the deposit is placed on the current date.
Interest income is subject to 18% income tax and 1.5% military tax.
For the calculation of profit in UAH, 365 days per year are used, for USD and EUR - 360 days per year are used.
For the calculation of profit, 30 days per month are used.

Main terms and conditions

Currency

Minimum amount

Maximum amount

Additional rates, % per annum

Right to replenish*

UAH

100 000,00

none

+0.50% (for deposits of UAH 1 mln and more)

yes, no less than 15 thsd UAH

USD

3 000,00

none

+0.25% (for deposits of USD 40 thsd and more)

yes, no less than 500 USD

EUR

3 000,00

none

+0.25% (for deposits of EUR 35 thsd and more)

yes, no less than 500 EUR

Minimum amount 100 000,00

Maximum amountnone

Additional rates, % per annum+0.50% (for deposits of UAH 1 mln and more)

Right to replenish*yes, no less than 15 thsd UAH

* replenishment is possible no later than 3 months prior to the deposit expiration

** in case of purchase of non-cash foreign currency from the Bank in the amount established by the effective law, with its subsequent placement on a deposit for a period of 3 months or more - there is no minimum amount

Effective deposit rates

Term / Currency

3 months

6 months

9 months

12 months

18 months

UAH

12,50%

13,75%

13,50%

12,00%

USD

1,50%

2,00%

EUR

0,01%

0,25%

0,50%

0,75%

1,00%

3 months12,50%

6 months13,75%

9 months13,50%

12 months13,50%

18 months12,00%

Standard deposit term:

The standard term of a deposit for 3 months is 93 calendar days, for 6 months - 184 calendar days, for 9 months - 277 calendar days, for 12 months - 367 calendar days, for 18 months - 550 calendar days. If the maturity of the deposit falls on a weekend, its term is extended until the next business day.

Non-standard deposit term:

In cases where the term of the deposit at the request of the client differs from the above standard terms, the interest rate provided for the shorter of the nearest standard terms is applied (for example, if the deposit term is 200 days, the interest rate for 6 months is provided, if 95 days - for 3 months).

Autoprolongation of the deposit

When concluding the agreement, the client may choose to automatically extend the term of the deposit for the same period.

When placing a deposit with automatic prolongation, it will be prolonged for the selected term at the interest rate effective at the time of prolongation, provided that both conditions are met:

The depositor has not come to the Bank to withdraw the deposit at the end of the term;
The depositor did not send the Bank a respective request for unwillingness to extend the deposit.

FAQ

How is the deposit paid out?
The deposit amount and interest thereon shall be transferred to the client's current account specified in the bank deposit agreement
Is there a possibility of early deposit repayment?
The terms and conditions of the deposit do not provide for early full or partial deposit repayment.
Is it required to provide documentary confirmation of the source of funds when placing deposits?
When placing a deposit(s) for a total amount exceeding UAH 400 thousand or in case of inconsistency of the financial transaction with the Client's financial condition, the Bank has the right to request documentary confirmation of the source of funds from the Client
What documents can be submitted to the Bank to confirm the source of funds?
For salary recipients:
Certificate OK-7 or OK-5 (for employees)
- in electronic form - on the Diia website or on the portal of the Pension Fund of Ukraine;
- in paper form - contact the Pension Fund. The certificate must bear the stamp and signature of the state body.
For pension recipients:
Pension certificate
- in electronic form - on the portal of the Pension Fund of Ukraine;
- in paper form - contact the Pension Fund. The certificate must contain the stamp and signature of the state body.
For entrepreneurs:
Tax declaration of individual entrepreneurs
- in electronic form - in the personal account of the tax service;
- in paper form - contact the State Tax Service of Ukraine. The tax return must be stamped by the controlling authority as having been received.
The above list of documents contains the most common examples of documentary confirmation of the source of funds and is not comprehensive.
Is the income received from placing a deposit taxable?
Yes, interest on deposits is subject to taxation at the rate of 18% (PIT) + 1.5% (military tax)
How to opt out of the auto-prolongation of the deposit if the auto-prolongation option was selected when concluding the agreement?
The client shall notify the Bank of refusal to extend the term of the deposit no later than 1 (one) business day before the expiry of the deposit by sending a letter by e-mail or submitting a written application at a branch of the Bank or by calling the Customer Care Centre.

Warning

1. Possible implications for the Customer in case of using the Bank's deposit service or failure to fulfil obligations under the agreement on the provision of this banking service:

profit received from deposit operations is subject to income taxation in accordance with the current legislation of Ukraine;
in case of untimely application of the depositor to the Bank for repayment of funds attracted under the bank deposit agreement, term deposits are returned to the Customer automatically on the date of expiry of the deposit by transferring funds to the Customer's current account or the term of the deposit may be automatically extended for the same period, if provided for by the deposit agreement/the terms of the deposit; the number of extensions of the deposit term is not limited, unless otherwise provided for by the deposit agreement/the terms of the deposit;
term deposit agreements do not provide for early full or partial repayment of the deposit amount;
the Customer is obliged to ensure that as of the date of signing the agreement, there are funds on the current account in the amount of the deposit stipulated by the agreement. If the client violates this requirement, the agreement shall be terminated.

2. The Bank is prohibited from:

requiring the Customer to purchase any goods or services from the Bank or a related or affiliated person as a prerequisite for the provision of such services (except for the provision of a package of banking services)
amending the agreements concluded with customers unilaterally, unless otherwise provided for by the agreement or the law.

3. The Customer has the right to opt out of receiving advertising materials by means of remote communication channels by using the feedback form.

Choose a convenient time to visit the Bank

To make your visit to the Bank as comfortable as possible, we recommend that you choose a convenient time slot and make an appointment with a manager in advance.

You can do this in our Telegram bot. Please note, that customers with an appointment are served first.

Click to sign up