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


up to 12%

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 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%

Dollar deposit: an easy way to earn passive income

Making money on a deposit is one of the most profitable options for earning passive income. The user just needs to study the offers of banks and choose from them the one according to which the benefit from cooperation will be maximum. Often it turns out to be a dollar deposit, which is in demand for several reasons. A deposit in foreign currency allows you to save funds from depreciation in case of inflation. Such passive income does not imply physical or intellectual labor, and individuals and legal entities can open a deposit in foreign currency. To open a deposit, it is enough to have a passport and TIN with you.

Currency deposit: what you need to know?

Making a deposit in foreign currency is the same as when using deposits in hryvnia. You need to open your own account, after which the client and the bank conclude an agreement. The bank assumes the obligation to accept the client’s funds for safekeeping and must pay them back after the end of the term of the deposit or at the first request of the owner of the deposit. The dollar deposit, which is used by the bank for financial transactions, is beneficial due to the fact that it allows you to get interest on top of the amount on the account. Interest is accrued as it is written in the agreement.

A deposit in dollars will be more profitable if the term of the deposit is maximum. The longer the bank uses the deposit funds, the more interest it will provide to the client with a guarantee of its payment. If you decide to invest your money, then pay attention not only to the amount of interest, but also to additional opportunities. So, in a number of situations, clients are allowed to replenish their deposits or withdraw funds at any convenient time. The top-up amount can be fixed or any. Top-ups are usually provided for small deposits. If the interest rate is high, then such deposits usually cannot be replenished.

The accrual of interest on a deposit, if you open a deposit in dollars, can occur in several different ways. For example, a bank may offer to capitalize interest. In this case, interest will be added to the body of the deposit every reporting period, which will increase the profitability of the deposit. Also, interest can be accrued to the main or additional account of the client.

Ukrainian banks can offer to open a deposit in dollars on various conditions, which allows distinguishing several main types of deposits:

  • Short term. Their feature is the ability to get your money back as quickly as possible, but remember that you will not be able to withdraw it ahead of time.
  • Long term. The deposit has a higher rate, but it will take longer to get the money back.
  • Demand deposit. Such a deposit demonstrates a low rate, but the client will have the opportunity to get his money back at any time.
  • Cumulative. The deposit allows you to fund your account.
  • Savings. Does not imply the possibility of replenishment.
  • Target. A deposit for a specific purpose, for example, to buy an apartment.

The current legislation allows you to return a dollar deposit even if the banking institution has problems with liquidity. For this, the FGV works, returning funds from individuals if they meet the established requirements. You can open a deposit in foreign currency yourself using the offer of our website. We are always happy to help you choose a profitable deposit. We have many years of experience, so we always achieve our goal.