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)
Warning about possible consequences for the Client when placing a deposit
"Gold Reserve" (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.
In accordance with part four of Article 26 of the Law of Ukraine "On the Individual Deposit Guarantee System" (as amended), funds on deposits in precious metals are not reimbursed.
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.
Passport of
citizen of Ukraine
Taxpayer
Identification Number
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
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.
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.
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, or by calling the Contact Centre.
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.
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
CONDITIONS IN PDF FORMAT
