Deposit programs

Information about service Deposits

You may get acquainted with the following documents:

• Public Proposition
• Banking Rules
• Tariffs
• Тypical Forms

Opening a deposit in a few clicks through Raiffeisen Online system or visit one of the Bank's branches and provide the following documents for the opening of a deposit account:

• passport or a document substituting it, individual taxpayer’s accounting card (tax ID);
• for non-residents – document certifying the place of residence of a private individual.

For your convenience please call hotline of Call center at 0 800 500 500(free for landline calls within Ukraine), (044) 490 88 88 (city phone number) or 521 (for MTC subscribers), and the operator will schedule a meeting for the opening of a deposit account at the outlet. In such a way, you can apply to the outlet at a given time without staying in a queue.

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.

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).

The interest for the Deposit use is accrued by the Bank on the remaining amount of the Deposit as of the end of the day for each calendar day of the Deposit keeping, starting from the day following the day of crediting the funds to the Deposit and until the day preceding the payment of the Deposit to the Customer inclusive.

After opening the Deposit in Raiffeisen Online system, on the day of its opening the interest rate will be displayed as 0%, as the accrual of the interest will start from the next day, subject to the availability of funds on the Deposit. Thus, after the opening of the Deposit and its replenishing, the interest rate will be displayed on the following day in the amount specified in the Application-Agreement regarding the Deposit.

The interest accrued is paid in compliance with the terms and conditions of the Application-Agreement regarding the Deposit, namely: – under the deposits “Oshchadnyi” and “Universal+” monthly, under the deposit “Classic Term” - at the end of the term.

The interest is accrued based on the actual number of days in the month and in the year, thus in different months of the year the amount accrued can differ.

The deposit amount (effective for all deposit types) and interests accrued may be received as follows:

• in cash at any branch of Raiffeisen Bank;
• 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;
• 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.

It is possible to get an official certificate about the state of the deposit account by calling the Bank's Information Center (0 800 500 500) or by requesting the Raiffeisen Online chat. Commission is 100 UAH. Details.

For calls from abroad: +38 (044) 354 14 34 (according to the operator's tariffs) or [email protected] (free with Skype).

Controlling account status is most convenient with the Internet banking Raiffeisen Online for private individuals access to which is provided free of charge.

When you open a deposit, it is automatically connected to the text messaging service (SMS or Push) for the Financial number regarding the deposit transactions.

The text messaging service is provided free of charge for all the transactions with the “Savings”, “Classical Term”, “Universal+” deposits.

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.

It is possible to close the deposit account early by calling the Bank's Information Center (0 800 500 500) or by making a request to the Raiffeisen Online chat. Details.

For calls from abroad: +38 (044) 354 14 34 (according to the operator's tariffs) or [email protected] (free with Skype).

In case of an early termination of the agreement, interests on deposit shall be accrued in the following ways:

• for the «Saving» deposit: the interests shall be recalculated based on the base rate for the «Universal» deposit from an opening date (or prolongation);
• for the «Bonus» deposit (1-month deposit with 5 prolongations): the interests shall be paid out in full for all full months including the grace period. In other terms, the interests shall be recalculated based upon a current account rate.

Announcement on the change of service terms of PI accounts in foreign currency from 26.04.2021