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Deposits and Investments
Deposit on-demand "Universal+"

“Universal+” deposit – opened at the bank’s branch together with a card account, a termless deposit with a top-up and partial withdrawal option, monthly interest capitalization

Key benefits
Deposit on-demand

Possibility to switch to the service package with better terms online and open a deposit with higher interest rate

Deposit on-demand

Increased interest rate for the best card service packages

Deposit on-demand

Replenishment and withdrawals without restrictions

Deposit on-demand

Monthly capitalization of interest

Deposit on-demand

Deposits guarantee! Raiffeisen Bank is a member of Fund of guaranteeing deposits of persons since 1999.

Interest rates, annual



UAH

For Package: "Exclusive" for the Premium Customers of the Bank
4.00%
For Package: "Prestige" for the Premium Customers of the Bank
3.00%
For Packages: "StartUp" for the Premium Customers of the Bank, "Raifcard+"
2.75%
For packages: "Raifcard", "FUN card for children and teenagers"
2.25%
Base rate (valid from 15.01.2016) for opening of the deposits out of Packages of services and the recalculation of accrued interest at early closure of deposit «Savings»
0%
Minimum deposit amount / Minimum amount of replenishment
minimum- 100 UAH,
 maximum- unlimited


The deposit opening at the bank’s branch together with the card account.


Announcement on the change of interest rates for savings account "Universal" from 16.03.2023

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

Terms of Deposit

Term of deposit
Termless
Deposit currency
UAH
Minimum/maximum deposit amount
at the bank’s branch – UAH 100, not available in Raiffeisen Online;
maximum – unlimited
Minimum amount of replenishment
in Raiffeisen Online – not available, at the bank branch – UAH 100
Replenishment of deposit without cash
free of charge
Cash deposit replenishment
free of charge
Money transfer n the bank branch
to your own term deposit within Raiffeisen Bank – free of charge;
to your own current account “For payments” - 1% min UAH 25;
to your own “Current” account – free of charge
Partial withdrawal from your account
Free of charge, by means of funds transfer to own current, card, deposit accounts  including deposit "Progressive" via Raiffeisen Online;
Commission fee for a partial or full withdrawal of cash funds in UAH at the bank’s cash desk - 1% min UAH 25
First payment
Within ninety days from the date of opening the deposit
SMS-notification
Free SMS-notification service on transactions carried out on deposit account
Deposit opening
at the bank’s branch together with the card account.




WARNING for customers – private individuals using the service of bank deposit placement

The service of opening and managing of deposit accounts of private individuals is provided by Raiffeisen Bank JSC (hereinafter – Bank) according to the terms and conditions of the Bank service agreement (hereinafter – Agreement). 
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.