Classical
You cannot obtain everything at once, so start with a smaller thing which is money. Janusz Wasilkowski
Classical Deposit - a simple and available means that will make your money work without your efforts. The Deposit will provide you a guaranteed income due to a fixed interest rate.
| Deposit Currency | UAH, USD, EUR | ||||
|---|---|---|---|---|---|
| Term of Deposit | 1, 3, 6, 12 months | ||||
| Interest Rate (per annum)* | — | UAH | USD | EUR | |
1 month** 3 months** | 10,00% 12,00% | 5,50% 6,00% | 3,00% 3,50% | ||
| 6 months | 13,50% | 7,00% | 4,50% | ||
| 12 months | 14,50% | 7,50% | 5,00% | ||
| Interests Repayment | At the end of the Deposit term. | ||||
| Minimum Amount of a Deposit | 1000 UAH, 200 USD, 200 EUR | ||||
| Replenishment | Not allowed. | ||||
| Partial Withdrawal of a Deposit | Equals to the premature recall of the entire amount of deposit. | ||||
| Premature Recall | At a rate of 2% per annum in UAH and 0.5% per annum in foreign currency for the entire term of a Deposit. | ||||
| Advantages | Fixed interest rate for the entire term of a Deposit. | ||||
* Interest rates on deposits of individuals which are valid at the conclusion of agreements of bank deposit, starting from 12.08.2010.
**For Classical deposit opened for a term of 1 and 3 months there is a possibility of automatic prolongation of the deposit for a new period.
For both salary and pension cards holders issued by PJSC Ukrsotsbank, there exists a higher interest rate:
- +0.2% per annum in national and foreign currencies for all deposits (except for “Weekly” and “Saving” Deposits);
- +0.3% per annum in national and foreign currencies for “Capital” and “Purpose” Deposits, provided the standing order is drawn up to write off periodic payments (amounting to at least 30 UAH/5 €/5 $) in order to replenish your deposit in PJSC Ukrsotsbank (validity of the deposit agreement must not exceed the validity of the order);
- loyalty program terms stay the same if the “” Deposit is automatically prolonged for the individuals - PJSC Ukrsotsbank pension card holders.
For the depositors who have their amount on deposit reissued for the period of 3 or 6 months after the expiry date, there exists a higher interest rate of +0.5% per annum for deposits in national currency and +0.2% in foreign currency; if the deposit is reissued for 12 months or more, the premium amount equals to 0.75% per annum in national currency and 0.3% per annum in foreign currency (except for “Weekly” and “Saving” Deposits). Loyalty program terms stay the same if the “” Deposit is automatically prolonged.
For the depositors with bank deposit equal to or exceeding 500 thousand UAH, 75 thousand $, or 50 thousand €, there exists a higher interest rate +0.25% per annum for all deposits (except for “Weekly” and “Saving” Deposits).
Premium amounts for deposits are not added up.
The conditions under which automatic prolongation is being provided:
- occurs if the depositor not less than 1 working day before the expiration of the deposit term is not drawn to the bank to get the deposit amount;
- automatically prolonged is the amount of deposit, increased by the amount of accrued interest;
- deposit is being made for the same term, while the term is calculated from the date of prolongation;
- deposit may be prolonged more than once;
- partial delivery of a deposit equivalent to the early return of all deposit amount;
- in the event of early termination of the deposit, interest rate for the period after the expiration of the previous full period before the customer’s deposit withdrawal is being calculated, according to the standard conditions of deposit early withdrawal;
- in the event if at the day of prolongation the type of deposit has ceased, the amount of deposit returns to the current account of the depositor;
- from the moment of prolongation conditions and interest rate come into force:
- if interest rate in effect on particular type of deposit for the moment of prolongation is lower than the rate which operated at the time of deposit placement, fixed rate which is in force at the moment of auto prolongation is being set;
- if interest rate in effect on particular type of deposit for the moment of prolongation is at the level/higher than the rate which operated at the time of deposit placement, the rate remains the same as it was set priority;
Loyalty program is being used (allowances are not summed up) at one’s own choice:
- or allowances applicable to the re-issuance of deposits;
- or allowances applicable to the depositors-pensioners (current terms of loyalty: when presented retirement certificate of pensioners of Ukraine). Allowance for depositors-pensioners is applied only to new Classical deposits with auto prolongation and comes into effect from February 23, 2010.
Allowances on deposits are not summed up.