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Interest rates for Deposits prolongation, annual
Deposit amount UAH | 93 days | 184 days | 367 days |
500 and more | 1.00% | 2.00% | 3.00% |
Terms of the deposit
| Term of deposit | 93 days, 184 days, 367 days |
| Deposit currency | UAH |
| Minimum/maximum deposit amount | minimum - 500 UAH, maximum- unlimited |
| First payment | Within 30 days from the date of deposit opening |
| Deposit extension | Deposit with automatic extension |
| According to the customer choice | Monthly payment of interest on a client's card or current account, or monthly capitalization |
| Minimum amount of replenishment | 100 UAH |
| Replenishment | May be cash or non-cash |
| Possibility of partial withdrawals | During the grace period (7 days after prolongation), except for the balance of the minimum amount of the deposit |
| At pre-term closing of deposit | The interest accrued from the effective date of the deposit agreement or from the last extension date (for an extended agreement) is recalculated at the rate of 0% (zero percent) for the entire period of keeping the Funds on the account, and for the extended deposits - for the entire actual period of keeping the funds on the Account since the last extension date. The interest shall be paid in full during the grace period. |
SMS-notification | Free SMS-notification service on transactions carried out on deposit account |
| Deposit opening | From 05.06.2024 new accounts are not opened |
WARNING for customers – private individuals using the service of bank deposit placement The Bank service agreement is the accession agreement (Article 634 of the Civil Code of Ukraine) and consists of the public offer, application for the acceptance of the public offer/agreement, Bank service Rules for PI Clients at Raiffeisen Bank JSC, Bank’s tariffs and application for placement of the deposit. When placing the deposit funds at the Bank, no sanctions in case of untimely application to the Bank regarding repayment of the deposit are applied. Thus, term deposits shall be repaid to the customer automatically on the date of the deposit expiration by transferring funds to the customer’s current account. Also, the deposits, which provide for early repayment of funds, may be early repaid to the customer on the basis of the customer’s application. The Bank may not demand from the customer purchase of any goods or services of the Bank or its related person as the mandatory condition for provision of the service of banking deposit placement (except for provision of the banking services package). The Bank shall not have a right to unilaterally introduce changes into the application for placement of the deposit concluded with the customer, unless otherwise provided by the Agreement or the law. The customer may refuse receiving of promotional materials by the remote communication channels. |
Announcement regarding the termination of the opening «Savings» deposit from June 5, 2024
Useful information
Information on the essential characteristics of the bank deposit service (deposit) Term Deposit «Savings»
Public offer. Applications on acceptance of the Public offer/Agreement. Standard forms.
How to open a deposit?
From 05.06.2024 new accounts are not opened.
How to replenish a deposit?
Cash depositing of funds to the Classical Term deposit can be carried out on a one-time basis in MyRaif/Raiffeisen Online from any own account with the Bank, including from own current account "For payments" or from on-demand deposit "Progressive", "Universal+".
"Savings" deposit is no longer offered and the interest rates on the deposit were set for the extension of the deposit exclusively, therefore, we advise to make a request via MyRaif chat regarding the cancellation of the deposit extension and after the expiration of the deposit and the return of funds to the current account enter into an agreement on a new fixed-term "Classical Term" deposit or on-demand deposit "Progressive" with a more attractive interest rate and terms.
One-time placement of funds in cash to the "Classical Term" deposit can be carried out at the cash desk of any branch of Raiffeisen Bank.
"Progressive" deposit can be replenished:
in cashless form - free of charge by means of funds transfer from own accounts in MyRaif/Raiffeisen Online system, or from another bank;
in cash form - by means of placing funds in the card account and subsequent transfer of funds in MyRaif/Raiffeisen Online system.
Can a third party replenish an account of private individual resident?
A third party may replenish one’s UAH account for any amount.
Is a deposit was opened in foreign currency, it may be replenished by the account owner only or by a third party under a power of attorney (power of attorney for deposit replenishment is issued free of charge at a Bank’s branch).
How can a customer receive the deposit amount and interests?
The deposit amount (effective for all deposit types) and interests accrued may be received as follows:
- in cash at any branch of Raiffeisen Bank Aval;
- by setting up a standing order for direct debiting of interests or deposit amount from a current account “For payments” to a customer’s card account;
- by instant transfer of funds from a current account “For payments” or the «Universal» deposit to a customer’s card account via “Raiffeisen Online” Internet-Banking system and by withdrawal of funds from an ATM.
In case of partial or full withdrawal of funds from the deposit «Universal»:
- free of charge cashless transfer to an own card account from the “Universal” deposit may be made via “Raiffeisen Online” system;
- free of charge cashless transfer from the «Universal» deposit to an own account “Current”, to an own account “Universal”, to a term deposit within Raiffeisen Bank Aval;
- when withdrawing cash from accounts opened in UAH – 1% of the amount, but not less than UAH 25;
- when withdrawing cash from accounts opened in the foreign currency – free;
- for cashless transfer of funds from the deposit to a current account “For payments”: in UAH – 1% of the amount, but not less than UAH 25; in EUR - 1% of the amount, but not less than EUR 1; in USD – USD 1.
If the amount of deposit and interest to be paid out exceeds 5 000 USD or its equivalent in other currency, it should be pre-ordered in advance (2 banking days).
To pre-order a deposit amount, a customer shall apply to a branch of Raiffeisen Bank Aval and hand in a relevant application, or contact the Bank’s Call Centre.
How can one control account status?
The most handy way to control one’s account status is to use Raiffeisen Online Internet Banking for private individuals, which is provided free of charge.
You may also connect to the service of SMS notification on transactions with deposit accounts for private individuals by signing the respective application at the Bank’s outlet.
SMS notification is applicable to all transactions for the amount from UAH 100, USD/EUR 3 under Saving, Classic, Bonus term deposits and Universal deposit. The service is free of charge.
How is the deposit taxed?
Private individuals and individual entrepreneurs’ income in the form of interests accrued on bank accounts (deposit, current, card) shall be subject to individual income taxation regardless of the amount of received income:
- taxation rate - 18%;
- a military tax - 5%.
The Bank shall independently withhold and transfer tax from the amount of the accrued interests (interests less the amount of 23% are credited to the customer’s account).
The principal amount of the deposit shall not be subject to taxation.
Is it possible to receive an official statement of deposit?
Yes, a statement can be received at any fully functional branch.
If the statement is intended for submission to the embassy, it is recommended to apply to the outlet where the account was opened.
A passport or other documents certifying a person and a counterpart of the agreement shall be provided at a branch of the Bank.
Customer’s right to withdraw from a banking service agreement
The Customer shall have the right to withdraw from the Application-Agreement (terminate it) and demand the repayment of the full amount of the Deposit or a part thereof (except for the minimum amount of the Deposit) only on the Deposit maturity date or during seven calendar days from that date (Grace period), with the payment of the interest in full. With this purpose, the Customer shall file the respective written application at a branch of the Bank or via Raiffeisen Online System (Annex No. 3 to the Rules). Should the Customer demand early termination of the Deposit on another date and otherwise, the Bank shall return the Deposit on the terms stipulated by subclause 2.6.2., clause 2.6. of the Application-Agreement
Does the Bank interest accrue for early termination of a deposit?
In case of an early termination of the agreement, interests on deposit shall be accrued in the following ways:
the interest accrued from the effective date of the deposit agreement or from the last extension date (for an extended agreement) is recalculated at the rate of 0% (zero percent) for the entire period of keeping the Funds on the account, and for the extended deposits - for the entire actual period of keeping the funds on the Account since the last extension date.
The interest shall be paid in full during the grace period.
Information on the availability, list and cost of supporting services of the bank and third parties, including the payment amount and its calculation base.
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