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.

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.

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.

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 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.

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.

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.

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.