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Deposit "Universal+"
Key benefits deposit
Monthly capitalization of interest
Interest rate for the best card service packages
Making transactions in the Raiffeisen Online system
Free SMS informing about account operations
Replenishment and withdrawals without restrictions
Interest rates, annual
- Currency
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
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
- Additional information
Your deposit will be closed automatically if the account balance is 0 for 1 year
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. |
Useful information
Information on the availability, list and cost of supporting services of the bank and third parties, including the payment amount and its calculation base.
Public offer. Applications on acceptance of the Public offer/Agreement. Standard forms.
How to open a deposit?
From 03.04.2024 new accounts are not opened.
How to replenish a deposit?
The replenishment may be cash and cashless.
Placement of cash to "Time Deposit Classic"* and replenishment of "Saving" or "Universal+" deposits may be performed at the cash-desk of any Raiffeisen Bank 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.
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;
- 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 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 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 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;
- 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.
How can one control account status?
The most convenient way to monitor the status of accounts is through Raiffeisen Online for private individuals, which is available free of charge.
In addition, the deposit is automatically connected to the free SMS notification service for individuals.
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.
Is it possible to receive an official statement of deposit?
You can get an official certificate of the deposit account status
by calling the Bank's Information Center (0 800 500 500);
by requesting a chat in the Raiffeisen Online system;
at any branch of the Bank.
The cost of providing the certificate is UAH 100. Details.
Information about the service
How is the interest on the deposit accrued?
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.
Early closing of the deposit
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.
Customer’s right to withdraw from a banking service agreement
The Customer shall have the right to withdraw from the Application-Agreement (terminate it) and demand the repayment of the Deposit in full or a part thereof (except for the minimum Deposit amount). For this purpose, the Customer shall file the respective written application at the Bank’s branch or via Raiffeisen Online System (Annex No. 3 to the Rules). If the Customer’s demand is received, the Bank shall repay the Deposit in full or a part thereof, with the interest accrued and paid on the date of its repayment.
Information on the essential characteristics of the bank deposits service "Universal+"
