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%

Individual deposit in Kiev

Issues that relate to personal savings require increased attention from the owner. For this reason, the search for a bank where you can open a deposit becomes a real test of our nervous system for strength. The deposit of individuals in Kiev should be not only profitable in terms of interest rates, but also completely safe, since no one wants to risk the deposit. In order not to find yourself in a difficult situation, you must:

  • evaluate all important factors;
  • study in detail the current state of the market;
  • familiarize yourself with the conditions for providing a deposit;
  • understand the risks and their likelihood;
  • evaluate the proposed interest rate.

When choosing deposits of individuals, one should not forget about such parameters as the reputation of the bank and the level of its reliability. Before lending, you should definitely evaluate the feedback on the work of the financial institution, as well as its tariff plan for customer service. Even the location of a branch can play a significant role, choosing between two institutions with equal conditions.

A profitable deposit for individuals can be obtained only if you analyze the bank’s capitalization. Be sure to look at what place the bank takes in the rating of banks.

Rating of international agencies

This parameter is one of the most important and reliable among those available to every user. To reduce risks, the place in the rating of international agencies should be high enough, since experts assess the solvency and general condition of the institution. If the rating is lower or falls for several quarters in a row, this indicates an increase in risks and makes the bank unprofitable for cooperation.

It is also worth paying attention to whether the financial institution is a member of the deposit guarantee fund. It is better to get a deposit of individuals in Kiev at the bank that was concerned about joining the fund. As a result, the users of the bank will have no doubt that they will be able to return their funds in case of any problems in the work of the bank. At the same time, you need to remember that the amount of guaranteeing a deposit cannot exceed UAH 200,000. If the amount exceeds the specified limit, then it is better to open a deposit in a bank with foreign capital. An alternative option would be to place a deposit in several banks at once in order to be able to return each of the small deposits.

A profitable deposit for individuals also depends on the client’s ability to study the financial statements of the bank before using its services. Among the main parameters that will interest us in the first place, we can single out the bank’s assets, as well as the amount of profit that it possesses. A profitable deposit for individuals can be provided by an institution in which the number of assets has significantly increased recently, which is a symbol of positive dynamics. If assets are reduced or the bank is operating at a loss, then its reliability will be in question.

When looking for a bank, do not ignore additional information. Friends can recommend reliable deposits of individuals. Of course, reviews are not the most valuable factor, but it is better to clarify their opinion about a particular institution if acquaintances have experience of working with it. A profitable deposit for individuals can be obtained by carefully studying the information, including that related to the financial condition of the institution. Our experts are always ready to offer you their services and help you choose a deposit that brings passive income and protects you from losing your personal savings.