Інтернет-банкінг “Raiffeisen Online”
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Internet banking Transfers and Payments
Deposit programs
Time Deposit Classic

Time Deposit Classic - the highest interest rate among existing deposits; without prolongation; without replenishment; without the possibility of early repayment; payment of interest at the end of the term.

Key benefits

Deposit term from 1 month

The highest interest rate among existing deposits

SMS informing about account operations

Base rates

Deposit amount, UAH
31 days
2 months
3 months
6 months
367 days
up to 200 000
10,00%
10,00%
14,00%
14,50%
14,00%
200 000 and more
10,50%
10,50%
14,50%
15,00%
14,50%


Deposit amount, USD
31 days
2 months
3 months
6 months
367 days
up to 10 000
0,01%
0,01%
0,15%
0,25%
0,35%
10 000 and more
0,01%
0,01%
0,15%
0,25%
0,35%


Deposit amount, EUR
31 days
2 months
3 months
6 months
367 days
up to 10 000
-
-
0,15%
0,25%
0,35%
10 000 and more
-
-
0,15%
0,25%
0,35%

Terms of Time Deposit Classic

Term of deposit31 days, 2,3 months, 6 months, 367 days
Deposit currencyUAH, USD, EUR
Minimum deposit amount2000 UAH / 500 USD / 500 EUR
First paymentWithin seven days from the date of deposit opening
Deposit extensionWithout prolongation
Interest payment
At the end of the deposit term on the current account
ReplenishmentWithout replenishment
Early withdrawal of funds
Not provided
SMS-notification
SMS informing about account operations
Useful information
information that may be useful for you
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 where there is a possibility the commission fee is charged:

  • 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:
    - in the branch where the account was opened – USD/EUR 1;
    - in any other branch of Raiffeisen Bank Aval – 1% of the amount, but not less than USD/EUR 1;
  • 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 the foreign currency – USD/EUR 1;
  • for cashless transfer of funds from the deposit to an own card account via the Bank’s branch, the fee constitutes UAH 5, USD/EUR 1;
  • free of charge cashless transfer to an own card account from the deposit may be made via “Raiffeisen Online” system.


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 and order the required amount using a customer identification card*, if any.

*In order to obtain the customer identification card, a customer needs to apply to the Banks branch and present his passport and tax ID.

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 10, USD/EUR 1 under Saving, Classic, Bonus term deposits and Universal deposit. The service is free of charge.

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.

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.

Does the Bank charge a fee for early termination of a deposit and haw do interest accrue?

If the deposit amount is paid out in the first month after the date of entering into the Agreement, the Depositor shall pay the Bank a fee for cash and settlement services in the amount of 0.5% of the deposit amount.

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

  • for the «Classic» deposit: the interests shall be recalculated based upon a current account rate from an opening date (or prolongation);
  • for the «Saving» deposit: the interests shall be recalculated based on the 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.

How to replenish a deposit?

The replenishment may be cash and cashless.

The «Savings» and «Universal» deposit accounts may be replenished at any branch of Raiffeisen Bank Aval.

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, the fee will be 0.7% of the replenishment amount, but not less than 5 UAH, 1 USD/EUR.

Cash and cashless replenishment of the «Classic» deposit may only be made during the grace period (within 7 days of the agreement prolongation date) at any Bank’s branch.

Cashless replenishment of the «Classic» deposit is being made in any Bank’s branch from a current account opened with Raiffeisen Bank Aval (MFO 380805). No fee is charged.

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 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”.

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

Grace period is a 7-day period after a deposit prolongation date, during which you may:

  • receive a part of your deposit without terminating the agreement, any fees or penalties;
  • replenish the «Classic» deposit (this deposit is not subject to replenishment in other periods).
How to open a deposit?

You should apply to any fully functional outlet of the Bank 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 and a reference certifying sources of cash funds in case of cash payment.

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.

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