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Deposit programs
Saving deposit program

Deposit “Saving” – with prolongation, with the right of replenishment and monthly interest payment on current account or interest capitalization, partial withdrawal during the grace period, available in Raiffeisen Online

Key benefits
Saving deposit program | Raiffeisen Bank Aval

The possibility of replenishment аt any convenient for you time 

Saving deposit program #2 | Raiffeisen Bank Aval

Monthly payment or capitalization of interest

Saving deposit program #3 | Raiffeisen Bank Aval

Opening and replenishment Online

Interest rates, annual

Deposit amount, UAH
3 months
6 months
367 days
Open in Raiffeisen Online:
500 and more

5,25%

5,75%

6,25%
Open in branch:
500 and more

4,50%

5,00%

5,50%


Special deposit offer «Savings» 

(For owners of service packages Exclusive, Prestige, StartUp, Raifcard+, Raifcard )

Deposit amount, UAH
367 days
Open in Raiffeisen Online:
500 and more

6,25%
Open in branch:
500 and more

5,75%

Terms of Deposit «Savings»

Term of deposit3 months, 6 months, 367 days
Deposit currencyUAH
Minimum deposit amount500 UAH
First paymentWithin thirty days from the date of opening deposit
Deposit extensionDeposit with automatic extension
According to the customer choiceMonthly payment of interest on a client's card or current account, or monthly capitalization
Minimum amount of replenishment
100 UAH
ReplenishmentMay be cash or non-cash
Possibility of partial withdrawalsDuring 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 recalculation of accrued interest is made from the commencement of the deposit agreement or from the date of the last renewal (for a prolonged agreement) at the rate approved by the effective tariffs of the bank for deposit on demand «Universal».  During the grace period, interest is paid in full.
SMS-notification
Free SMS-notification service on transactions carried out on deposit account
Deposit openingThrough Raiffeisen Online system or visit one of the Bank's branches
Useful information
information that may be useful for you
How to open a deposit?

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.

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 - 1,5%.

The Bank shall independently withhold and transfer tax from the amount of the accrued interests (interests less the amount of 19.5% are credited to the customer’s account).

The principal amount of the deposit shall not be subject to taxation.

How to replenish a deposit?

The replenishment may be cash and cashless.

Placement of cash to "Time Deposit Classic"*, "Bonus"* deposits and replenishment of "Saving" or "Universal" deposits may be performed at the cash-desk of any Raiffeisen Bank Aval branch.

The «Universal» deposit can be replenished free of charge at the Bank’s branch where the account was opened. When replenishing such deposit account at another branch: UAH - free; in foreign currency - 0,7% of the amount, but not less than 1 USD / EUR.

One-time cashless funds placement to "Time Deposit Classic" is possible in Raiffeisen Online system from any account, or from own current account "For payments" at the branch.

One-time cashless funds placement to "Bonus" is possible from own current account "For payments" at the branch.

Cashless replenishment of the «Saving» deposit with no fee charged can be made in the following ways:

  • through a standing order or direct debiting from a current or card account into a deposit account;
  • in the Bank’s self-service centres using a debit card issued by Raiffeisen Bank Aval;
  • via “Raiffeisen Online” Internet-Banking system;

Cashless replenishment of the «Universal» deposit with no fee charged may be made in the following ways:

  • from one’s own card account UAH  through self-service centres,  by using a standing order, or via “Raiffeisen Online” Internet-Banking system;
  • by using one’s own current account “For payments”.
  • in UAH from another bank;
  • from one’s own account «Universal»

The «Universal» deposit replenishing from other accounts is made at 1% fee of the replenishment amount.


*The deposits may not be replenished upon the initial placement of funds.

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 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 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.

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:

  • 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.
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.

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