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%

Deposit conditions in Kiev

Bank deposits are used in order to protect their own savings from devaluation processes, as well as to earn money. In the first case, they usually use foreign currency deposits, while high interest rates on hryvnia deposits will significantly improve their financial position. Deposit conditions in Kiev continue to improve, which cannot but please the clients of banks. As statistics show, banks are actively competing with each other for clients, so today it is quite profitable to place deposits. You just need to carefully check the history of any bank before opening a deposit, and also evaluate its advantages in comparison with the programs of other institutions.

Promotional deposits in Kiev remain the most profitable, as many bank clients have already seen. Savings tend to choose short-term offers, fueled by the country’s political and economic uncertainty. Term deposits are usually placed for a term of up to 6 months. Foreign currency for placing deposits has recently become less popular, especially if we consider that the rate on such a deposit will be lower than in the case of a hryvnia deposit.

Promotional deposits in Kiev allow you to get an even higher interest rate or other advantages that make placing a deposit profitable even in the current unstable situation. Among foreign currency deposits, dollar savings prevail, and the euro is in second place. Classic deposits represent only 30-40 percent of deposits, depending on the bank. Most of the deposits are represented by funds on the client’s current account or bank card.

How to get a profitable deposit?

The most important parameter that simply cannot be missed when choosing a suitable deposit is the interest rate. If you choose hryvnia deposits, then this parameter will be about 12-18 percent. For dollar deposits, it will be significantly lower and does not exceed 4-5 percent, and for euros, rates are at all at the level of 1-2 percent. The conditions for deposits in Kiev may differ depending on which category of financial institutions the selected bank belongs to:

  • with foreign capital;
  • with Ukrainian capital;
  • private;
  • National Bank.

Deposit conditions in Kiev in banks with foreign capital will be the least beneficial for clients. This is due to the fact that such banks can be funded by parent companies, so they are not very interested in attracting customers through deposits. State banks can offer about 15-16 percent, while international interest rates do not rise above 13 percent. As for foreign currency, it is difficult to get conditions for deposits in Kiev in international banks better than 1 percent per annum.

The work of the bank leads to the fact that it constantly needs a certain currency, as evidenced by the change in the conditions for opening deposits. Promotional deposits in Kiev usually operate on the currency that the bank is currently interested in. It can be either hryvnia or euro or dollar. The need for the hryvnia suggests that the bank needs to replenish its liquidity in order to meet the current standards. You can always study the conditions for deposits in Kiev on our website before contacting the bank to open your own account. Our company prefers an individual approach to working with clients. We have many years of experience, which allows us to choose deposit conditions in Kiev, which will fully meet your needs.