up to 19,5%

per annum


up to 18 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.14%
6 months.15%13%
9 months.16%15%
13 months.18,5% *16%17,5%
18 months.19,5%

* — 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.5%
13 months.10%9%
18 months.12%
Money on deposit

What is a bank deposit?

A deposit is a financial instrument, when using which the client can keep his funds in the bank. The latter pays the client a certain percentage for the use of funds during their storage. A deposit is an agreement between the bank and the depositor, to which the latter transfers a certain amount for storage in accordance with the specified conditions. The Bank undertakes to return the funds within the specified time as soon as the client wants to terminate the cooperation. The conditions and the form of how to deposit money and make a refund are necessarily prescribed in the contract.

What is the difference between a deposit and a deposit?

You can put money on deposit and store it by contacting a banking institution for this. The deposit involves opening a cash account that will bring dividends to its owner. If you use a deposit, then you can keep on the account:

  • cash on deposit;
  • stocks;
  • precious metals;
  • securities and things.

Having decided on the feature of this tool, it is necessary to understand why leaving money on deposit is such an urgent solution for many bank customers. The reason is that there is an interest rate, which each bank can have its own. The interest rate is used as a payment by the bank for the opportunity to use bank funds on deposit. The bank’s income in this situation is the difference between the placement of finance and the involvement of new customers.

Which deposit should I choose?

It is not profitable to keep money on deposit in every bank. For this reason, customers who wish to deposit money in Ukraine should choose a branch more carefully to open an account. All deposits can be divided into urgent and demand deposits. A term deposit involves opening a deposit at an interest rate, and money is deposited into the account for a certain period. When the deposit period expires, the user receives his funds and interest back.

This type of deposit is characterized by less liquidity, but allows you to get a high income thanks to a solid interest rate. An alternative is to put money on deposit at interest. In this case, there is no precisely specified period during which the funds will be stored. A refund from the deposit can be made at any time when it is convenient for the client. Most often, to put money on deposit with a lower interest rate, you need to use profitable investments, so they retain high liquidity.

Term deposits are divided into several types. Therefore, the question arises, is it profitable to put money on deposit? The cumulative deposit allows you to keep funds on the deposit and replenish it throughout the entire period until the account is closed. A savings deposit is a standard term deposit without the possibility to replenish the account or extend its validity. The funds on deposit can be calculated. In this case, the owner of the deposit has the opportunity not only to replenish the account, but also to withdraw money from it.

In order to deposit money profitably, it is necessary to carefully study the proposed interest rates. Money on deposit should bring its owner maximum profit. At the same time, some additional factors may affect the amount of interest, which should also be taken into account when opening a deposit. The funds on the deposit must be securely protected, so when choosing a place to open an account, pay attention to the reliability of the bank. Our experts will always help you to open a profitable deposit.

Money on deposit