up to 17,5%

per annum


up to 24 month

with prolongation

  • You can withdraw and replenish the deposit without losing interest
  • You can attach the deposit amount to foreign currencies

  • You know in what loan and on the security of what your money works

  • The cost of capital real estate in a mortgage is more than 2 times the value of deposits

Annual interest rates for “ZaRaZ” members on deposit accounts
Duration (months)With interest payment at the end of the term %With monthly interest payment %With quarterly interest payment %
3 months.11%
6 months.12%11%
9 months.13%12%
13 months.15% *13%14%
18 months.15,5%
24 months.17,5%

* — partial withdrawal up to 30% is allowed without loss of accrued interest. Deposit replenishment without limits.

Annual interest rates for “ZaRaZ” members on deposit accounts taking into account currency risks
Duration (months)With interest payment at the end of the term %With quarterly interest payment %
6 months.3%
13 months.7%6%
18 months.8%

Deposits are used for loans secured by capital real estate.
And only a mortgage can reliably protect deposits from any fluctuations and crises.
The value of real estate pledged exceeds more than 2 times from the value of deposits.

How to make money on deposits?

Deposits are a convenient financial instrument thanks to which each client can earn on deposits. At the same time, bank deposits are very diverse today, so when choosing the best option, you must carefully study all the advantages. An interesting offer can be a deposit with the possibility of replenishment. Sophisticated depositors tend to choose the offers of banks with a high interest rate. After that, they deposit a relatively small amount into the account, “staking out” a deposit for themselves. Further, the account can be replenished at any time, if there is free money at hand.

This option is ideal for those clients who have enough time to look for interesting options. Instead of opening one large deposit, you can take several with the possibility of subsequent replenishment. How effective is this strategy? It is used in order to get profitable deposits in banks, which have recently been lowering their rates. It is possible to open such deposits in Ukraine both in one financial institution and in several.

Deposit strategies

Today, such offers are not so common, so this strategy does not always work. Banks rarely offer convenient renewal deposits. In addition, the rates on them are not as appetizing as in the case of an inviolable deposit. Even in the case where the bank allows replenishment of deposits, and also offers a high rate, it usually sets a limit on the amount of maximum replenishment. On average, it does not exceed UAH 50,000 per month. A number of banks have completely refused to provide customers with the opportunity to replenish their accounts.

The huge advantage of this option is that the user has a minimum of hassle. Bank deposits will allow you to receive stable passive income, and to increase it, it is enough to periodically replenish your account. At the same time, deposits in Ukraine are constantly changing, so dwelling only on this strategy will not be the best decision.

Banks highly value customer confidence, therefore they offer their users interesting options for deposits. The amount and term of the deposit can affect the privileges that the client will eventually receive. If bank deposits are open for a long term and with a large amount, then the bank can offer:

  • increased interest rate;
  • premium card;
  • personal service.

Long-term cooperation with the bank also brings a higher interest rate. If the deposit is extended after the end of the contract, it will also be a plus for the client. Even a 0.5 percent increase in the rate looks like a very attractive offer in the current financial market conditions.

Constant cooperation with the bank provides its clients with a favorable ground in order to negotiate more promising terms. At the same time, deposits in Ukraine can be obtained not only in banking institutions. It is enough to choose a financial company that is always ready to offer favorable conditions for its clients. Our consultants have many years of experience, so they will be able to take into account your personal wishes and provide a deposit that fully corresponds to them. You can find all the necessary information on our website.

* The main amount of the deposit is pegged to the US dollar rate.