АТ «КОМІНБАНК» — універсальний банк, який надає послуги корпоративним клієнтам і приватним особам вже 30 років. Київ, Україна. - Private | Депозити

Maximum income with crediting

Choose the conditions of crediting that are convenient for you!

Conditions

Online application

I give a written consent for processing personal data

Dear customer,

We will be happy to answer all your questions regarding the proposed service in any way convenient for you.

In addition to online ordering, you can visit our branches or call the Contact Center (Calls according to the tariffs of your operator):

0 800 501 200 (around the clock)

Product Terms

Deposit typeTerm deposit
CurrencyHryvnia, US Dollar, Euro
Minimum amount1000 UAH, 300 USD/EUR
Interest rate in
UAH: 12.75% (18-24 months) to 14.25% (12-18 months)
USD: 0.6% (3-6 months) to 2.55% (18-24 months)
Euro: 0.4% (3-6 months) to 1.10% (18-24 months)
Payment of interestMonthly / Monthly capitalization / at the end of the term
Possibility of early deposit repaymentNo
Interest rate for early termination of the depositNo
Partial deposit repaymentNo
CreditingPossible
Minimum amount credited1000 UAH, 100 USD/EUR
Maximum amount and terms of crediting Crediting is allowed during the term of validity/each extension of the agreement, but no later than 30 days before the expiration date. The maximum amount of total crediting cannot exceed double the amount of the initial amount of the issued/prolonged deposit
Deposit prolongation Yes
Deposit loyalty program Yes
Deposit term from 3 to 24 months

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CONDITIONS IN PDF FORMAT

Warning

Warning about possible consequences for the Client when placing a deposit

"Maximum income with a deposit" (hereinafter referred to as the "Deposit").

1.Possible consequences for the Client in case of using the banking service or failure to fulfil obligations under the agreement on the provision of this banking service:

Early repayment of the Deposit amount or part thereof at the initiative of the Client is not allowed.

Interest (income) accrued on the Deposit is subject to taxation. The Bank shall act as the Client's tax agent for taxation of the Client's income received under the Bank Deposit Agreement solely on the terms and in the manner prescribed by the current legislation of Ukraine on personal income taxation.

The Bank and the Client shall be liable for non-fulfilment or improper fulfilment of obligations under the Bank Deposit Agreement in accordance with the terms of the Bank Deposit Agreement and the requirements of the current legislation of Ukraine.

2.Possible consequences for the Client in case of his/her untimely application to the Bank for the return of funds attracted under the Bank Deposit Agreement:

The terms of the Deposit provide for automatic extension of the Deposit term, which is carried out on the day of maturity of the Deposit, provided that the Depositor has not cancelled the extension by means of the CIB-Online Internet banking system, or by calling the Contact Centre, or by submitting a relevant application to the Bank's branch. The automatic extension is carried out for the term for which the Deposit was placed at the rate effective as of the date of such extension. The automatic extension of the Deposit does not require the conclusion of any additional agreement.

In case of cancellation of the automatic extension of the Deposit by the Client, the amount of the Deposit shall be returned to the Client's current account specified in the Bank Deposit Agreement.

3.The Bank is prohibited from requiring the Client to purchase any goods or services from the Bank or a related or affiliated person as a prerequisite for the provision of these services (except for the provision of a package of banking services).

The accompanying service of the Bank required for the conclusion of the Bank Deposit Agreement is the opening of a current account, which is provided free of charge.

4.The Bank shall not be entitled to unilaterally amend the agreements concluded with the Clients, unless otherwise provided by the agreement or the law.

The Bank has the right to amend the Rules for Providing Payment and Other Services to Individuals in JSC "COMINBANK" and notify the Clients by posting information on the amendments on information stands located at the Bank's premises and on the official website of the Bank.

Changes in the interest rates and the term of the Deposit in case of automatic prolongation are not unilateral changes in the interest rates, but are bilateral expressions of the parties' will.

5.The Client may refuse to receive advertising materials via remote electronic service channels by calling the Contact Centre.

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CONDITIONS IN PDF FORMAT

To make a deposit, you must provide:

Passport of
citizen of Ukraine

Taxpayer
Identification Number

with crediting

without crediting

Payment of interest

Currency

Term, months

Deposit amount,

Deposit amount, in months

Calculation result^*

Deposit amount

Period, month

Rate, per annum

Profit per month
(after taxation)

Total profit
(after taxation)

deposit amount:
income tax:
military tax:
total taxes:
projected income on the deposit before taxation:
annual interest rate on the deposit after taxation: %

There is no payment for additional and related services of the bank, the receipt of which is necessary for the conclusion of a bank deposit agreement: opening a current account and other services (if any), UAH

^*the amounts indicated in the calculation results are for reference purposes only

For the calculation, it is assumed that there are always 365 days in a year. For the calculation, it is assumed that there are always 30.4166 days in a month. Regardless of the date of receipt of funds for the deposit / top-up, interest is calculated for a full month (30.4166 days). Interest is accrued from the day following the day of receipt of the deposit/amount of deposit top-up to the day preceding the day of deposit maturity. Interest on the amount of deposit top-up is always accrued from the second month of the deposit term. When calculating interest for capitalised deposits, the day of crediting interest to the deposit is taken into account. The calculation is always made at the bank's current rate for the selected type of deposit. All calculations are rounded to the nearest hundredth.

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CONDITIONS IN PDF FORMAT

Accommodation conditions

Basic terms of a bank deposit

The period during which the client must deposit the amount of funds from the date of conclusion of the agreement, days	On the day of agreement conclusion
Conditions for withdrawal (partial withdrawal) of a deposit during the term of the bank deposit agreement	Not provided
Terms of deposit crediting during the term of the bank deposit agreement	Allowed during the term of the agreement/each extension of the agreement, but no later than 30 days before the expiration date of the agreement. The maximum amount of total crediting (increase) of the deposit during the term of validity/each extension of the agreement is not more than double the amount of the initial deposit (the amount of the deposit as of the date of the agreement, and subsequently - the amount of the deposit as of the date of each extension of the agreement)
Procedure for returning the deposit	The deposit is repaid upon expiration of the deposit term by transferring the corresponding amount of funds to the current account/current account using a payment card opened in the name of the depositor in the bank
Procedure for returning the deposit	Monthly / capitalization of accrued interest monthly/at the end of the deposit term Accrued interest shall be paid to the Depositor monthly, from the first to the fifth business day of the month and/or on the day of return of the deposit amount upon expiration of the deposit term simultaneously with the return of the deposit amount by crediting to the current account/current account using a payment card
Procedure for calculating interest on the deposit amount	Interest on the deposit shall be accrued from the day following the day of receipt of the deposit by the Bank / the day of crediting additional funds to the deposit until the day preceding its return or debiting from the Account on other grounds

Terms of the loyalty program:

Basic terms of a bank deposit

The period during which the client must deposit the amount of funds from the date of conclusion of the agreement, days	On the day of agreement conclusion
Conditions for withdrawal (partial withdrawal) of a deposit during the term of the bank deposit agreement	Not provided
Terms of deposit crediting during the term of the bank deposit agreement	The maximum total deposit amount cannot exceed the initial deposit amount
Procedure for returning the deposit	The deposit is repaid upon expiration of the deposit term by transferring the corresponding amount of funds to the current account/current account using a payment card opened in the name of the depositor in the bank
Payment of interest on the deposit	Monthly / capitalization of accrued interest monthly/at the end of the deposit term Accrued interest shall be paid to the Depositor monthly, from the first to the fifth business day of the month and/or on the day of return of the deposit amount upon expiration of the deposit term simultaneously with the return of the deposit amount by crediting to the current account/current account using a payment card
Procedure for calculating interest on the deposit amount	Interest on the deposit shall be accrued from the day following the day of receipt of the deposit by the Bank / the day of crediting additional funds to the deposit until the day preceding its return or debiting from the Account on other grounds

Terms of the loyalty program:

+ 0.5% per annum in UAH
+ 0.3% per annum in foreign currency

When re-issuing/extending a deposit. When re-issuing funds, it is allowed to change the terms of the deposit and increase the amount of the new deposit by no more than 50% of the amount of the expired deposit.
Upon presentation of a document on withdrawal of funds from another bank (cash document/ATM receipt/statement of withdrawal).
The validity period of such a document should not exceed 3 months, and the deposit amount should not exceed twice the amount specified in the withdrawal document.
Upon presentation of a pension certificate.
When opening a deposit in the CIB-Online system.

+1,0% рper annum in UAH

Subject to the availability of the "Social" account and crediting to the pension/ financial assistance account
If you have a main Platinum Card issued in the "Payment card" TP "PLATINUM+" TP

Rules for banking services for individuals

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CONDITIONS IN PDF FORMAT

Documents

Archive of documents and tariffs

Frequently asked questions

Is interest accrued on the deposit taxed?

Thus, interest accrued on deposits is taxed regardless of the amount and currency of the deposit. Starting from 01.01.2016, the personal income tax rate is valid. It is 18% and an additional 1.5% of the military fee is paid. Please note that only accrued interest is taxed, not the entire deposit amount.

When is interest paid on the deposit?

monthly, from the first to the fifth business day of the month following the month in which the interest is accrued, as well as on the day of extension of the Deposit term or simultaneously with the return of the Deposit amount upon maturity of the Deposit - by crediting to the current account/current account using the Depositor's payment card;
simultaneously with the return of the Deposit amount upon maturity of the Deposit or on the day of extension of the Deposit term - by crediting to the current account/current account using the Depositor's payment card;
monthly, from the first to the fifth business day of the month following the month in which the interest is accrued, as well as on the day of return of the Deposit amount upon maturity of the Deposit by transferring the relevant amount to the Deposit account (capitalisation of interest), which leads to an increase in the Deposit amount by the amount of accrued interest.

Is it possible to terminate the deposit early?

Early termination of the deposit is possible if it was stipulated by the terms of the deposit. For example, the "Maximum income" deposit does not provide for the right to early termination, and the "Optimal" deposit provides for the right to early termination.

How is the automatic renewal of a deposit carried out?

All deposits are set to automatic renewal or auto-renewal mode by default. If you do not apply to the bank to withdraw the automatic renewal mode, the deposit validity period will be extended for the same period for which the deposit was opened, using the interest rates that will be valid at the time of renewal. If the loyalty program provides additional bonuses, they will be applied automatically. You can remove the auto-renewal mode either by contacting a bank outlet or independently in the CIB-online Internet Banking System.

How do I change the prolongation conditions?

You can cancel the deposit prolongation by:

- submission of an application to a bank outlet during the period of validity of the bank deposit agreement, no later than the end of the business day of the relevant bank outlet;

- by contacting the Contact Center by phone during the period of validity of the bank deposit agreement, no later than the end of the transaction day of the relevant outlet of the Bank;

- using the CIB-Online system no later than the business day preceding the expiration date of the Deposit.

The deposit may be renewed by submitting a written request no later than the end of the transaction day of the relevant outlet of the Bank.

Is COMINBANK JSC a member of the deposit guarantee fund?

Joint-Stock Company "COMINBANK" is a member of the Deposit Guarantee Fund for individuals.

Certificate of participation in the Deposit Guarantee Fund No. 106 dated November 06, 2012.

The maximum amount of deposit reimbursement is set in accordance with Article 26 of the Law of Ukraine "On the Individual Deposit Guarantee System" and is as follows:

During the period of martial law in Ukraine and three months from the date of termination or cancellation of martial law in Ukraine, the Deposit Guarantee Fund of Individuals (the Fund) reimburses each bank depositor in the full amount of the deposit, including interest accrued as of the end of the day preceding the day of the start of the bank's withdrawal from the market, except as provided for in part four of Article 26 of the Law of Ukraine "On the Individual Deposit Guarantee System".

Three months after the day following the day of termination or abolition of martial law in Ukraine, introduced by the Decree of the President of Ukraine "On the introduction of martial law in Ukraine" dated February 24, 2022 N 64/2022, approved by the Law of Ukraine "On Approval of the Decree of the President of Ukraine "On the introduction of martial law in Ukraine" dated February 24, 2022 N 2102-IX, the amount of the maximum amount of reimbursement of funds on deposits may not be less than UAH 600 thousand