Deposit "Reliable (currency exchange)"

UA RU

Buy currency

placed on deposit

Buy the dollar or euro at a best rate
Place a deposit
Use the currency at the end of the deposit term

Book a call

Basic terms

Maximum amount - up to UAH 200,000
equivalent at the Bank exchange rate per month ¹

Minimum amount:
100 dollars, 100 euros

Percentage rate per annum:
0.1% to 2.5% per annum in US dollars
from 0.01% to 0.6% per annum in EUR

Deposit currency:
US dollars
and euros

Deposit term:
93, 184, 367 days

Without top-up and with
interest payment monthly and at the end of the term

¹ In accordance with NBU Resolution No. 18 of 24.02.2022 (as amended), the bank is allowed to sell non-cash foreign currency to clients in the equivalent of up to 200,000 hryvnias per calendar month (from the 1st to the last date of the month) in total for both currencies per client, provided that the purchased currency is placed on deposit for a period of at least three calendar months without the right to terminate the deposit early.

Calculate your profit

Currency

USD

EUR

Amount

Term, months

Under a period of 3 months. It implies the placement of a deposit for 93 days.

3 m.

6 m.

12 m.

Interest payment

End of term

Montly

Deposit Calculation

Bid, per annum %

Income

Income before tax

Taxes*

Rate including taxes, %

The percentage calculation is for reference only.
*Accrued interest on the deposit is subject to taxation according to the Tax Code of Ukraine.

Three reasons to buy US dollars with placement on deposit Let's consider an example:

Amount of your deposit: UAH 200,000

Term of deposit: 184 days
U.S. dollar purchase rate: UAH 36.85/dollar date 23.11.2023
Deposit amount in US dollars: $5,427.41

First:

And the average exchange rate of the US dollar on the market is UAH 38.00/dollar. So, you bought $165.36 more at the bank, thanks to the favorable exchange rate.
Your benefit is USD 165.36 or UAH 6,283.82.

Secondly:

After your deposit expires, the US dollar exchange rate may change. For example, to grow to UAH 39.50/dollar. So, instead of the invested UAH 200,000, you can get UAH 211,796.25 by exchanging the received US dollars upon completion of the deposit.
Your benefit is UAH 11,796.25.

Thirdly:

After the term of the deposit expires, you receive the deposited funds of USD 5,427.41 and accrued interest on the deposit of USD 44.05 exactly in the currency of the deposit, and therefore in USD. It is very convenient for storing and multiplying your savings.

Order in the branch
online

Leave a request

Provide your phone number and we will call you within 15 minutes.

Confirm by phone

During the conversation, we will schedule a visit to the branch of your choice at a convenient time for you.

Open a deposit

Visit the selected branch at the appointed time for you to open a deposit

Download the Freebank app (iOs|Android) and register.

You only need your tax number

Open a debit card GREEN, on which we will accrue interest on the deposit

To do this, you only need to go through a quick identification through Diya or video verification

Select the "Deposits" section in Freebank and make a deposit.

Choose the deposit term, interest payment and manage your savings online.

Book a call

Deposit currency	US dollar	Euro
Rate, per annum	from 0.1% to 2.5%	from 0.01% to 0.6%
Term of deposit	93, 184, 367 days
Minimum amount	100 USD	100 EUR
Maximum amount	up to UAH 200,000 equivalent per month ¹
Attachment	Not allowed
Early breakup	Impossible
Payment of interest	monthly and at the end of the term

¹ According to NBU Resolution No. 18 dated 24.02.2022 (with amendments), the sale of non-cash foreign currency equivalent to up to 200,000 hryvnias per calendar month (from the 1st to the last) is permitted by the bank number of months) in total for both currencies per one client when placing the purchased currency on deposit for a period of at least three calendar months without the right to early termination of the deposit.

How can I make a deposit?

You can make a deposit at any branch of the bank or on your own in the FreeBank mobile application.
Leave an application for a deposit, the manager will call you and help you make a deposit remotely or offer a convenient time at the Bank branch of your choice.

Will my deposit income be taxed?

According to the current legislation, income in the form of accrued interest is subject to taxation.
We automatically withhold income tax on your accruals:
• tax rate - 18%;
• military tax - 1.5%.
Note that the principal amount of the deposit is not taxed.

Client joining Universal Banking Service Agreement clients-individuals of JSC "BANK CREDIT DNEPR" provides for their consent to all the terms and conditions for the provision of banking services and the procedure for concluding agreements specified therein.
The Client has the right to cancel the Bank Deposit Agreement if such a possibility is provided for in the Bank Deposit Agreement.
According to the Bank Deposit Agreement, the Client may be provided with additional and related services of the Bank related to settlement and cash services of the Deposit Account. Payment for additional and related services under the Agreement is made in the amount, within the terms and in the manner determined by the UGBO and the Bank's Tariffs posted at link.
The client may refuse to receive advertising materials through remote electronic service channels.
The bank does not have the right to make changes to agreements concluded with clients unilaterally, unless otherwise provided by agreement or law.
There may be consequences for the client if they use the banking service or according to the agreement.
Possible consequences for the client in the event of his untimely application to the bank for the return of funds raised under the bank deposit agreement are noted in the Bank Deposit Agreement.
The deposit is opened with automatic extension of the term.
The Client can cancel the automatic extension of the term at any time from the date of opening the deposit until the end of the Operational time of the closing (return) date of the Deposit without signing additional agreements.
After the Client cancels the automatic extension of the deposit term on the expiration date of the deposit, the deposit amount is transferred to the client’s current account specified in his Deposit Agreement.
The bank is prohibited from requiring the client to purchase any goods or services from the bank or a related or associated person as a prerequisite for the provision of these services (except for the provision of a package of banking services)
The return of funds raised under a bank deposit agreement upon expiration of the deposit period is carried out to the current account specified by the client.
After termination of the agreement for the provision of banking services, including expiration, termination or execution of such an agreement, the client has the right to contact the bank with a request for information (certificate) regarding the fulfillment by the parties of the obligations established by the agreement.
Banking services are provided without the participation of a commercial agent

Deposit return guarantee

Credit Dnipro Bank is a member of the Deposit Guarantee Fund.

This means that during martial law and three months after it ends, your deposit is protected by the state in full without limiting the amount. That is, the storage of savings in the bank is twice as reliable - you are sure of the return of your deposit and interest under any conditions.

Three months after the end of martial law (what we are all waiting for!) The guaranteed amount will be 600 thousand hryvnia.