Finance · Deposits
Ukrainian bank deposit rates 2026
Compare deposit rates across 21 largest Ukrainian banks. UAH, USD, EUR deposits from 3 to 24 months. All rates in one sortable table.
Full comparison — deposit rates 2026
Rates are annual %. Sorted by UAH 12-month rate, highest first. Ukrainian Deposit Guarantee Fund (DGF) covers up to UAH 600,000 per depositor per bank.
| Bank | UAH 3 mo | UAH 6 mo | UAH 12 mo | USD 12 mo | EUR 12 mo | Online |
|---|---|---|---|---|---|---|
| F Forward Bank | 15% | 16% | 17% | 2.5% | 1.5% | ✓ |
| S Sense Bank | 14.5% | 15.5% | 16.5% | 2.5% | 1.5% | ✓ |
| A ABank | 14.5% | 15.5% | 16.5% | 2.5% | 1.3% | ✓ |
| G Globus Bank | 14.5% | 15.5% | 16.5% | 2% | 1% | — |
| m monobank | 14% | 15% | 16% | 2% | 1% | ✓ |
| T TASkombank | 14% | 15% | 16% | 1.8% | 1% | ✓ |
| C Cominvestbank | 14% | 15% | 16% | 1.7% | 0.9% | — |
| P PUMB | 14% | 14.8% | 15.8% | 1.7% | 1% | ✓ |
| U Unex Bank | 14% | 14.8% | 15.8% | 1.5% | 0.8% | — |
| P PrivatBank | 13.5% | 14.5% | 15.5% | 1.5% | 0.8% | ✓ |
| U Ukrgasbank | 13.5% | 14.5% | 15.5% | 1.5% | 0.8% | ✓ |
| P Pivdenny Bank | 13.5% | 14.5% | 15.5% | 1.7% | 0.9% | — |
| B Bank Lviv | 13.5% | 14.5% | 15.5% | 1.8% | 1.2% | — |
| O Oschadbank | 13% | 14% | 15% | 1.2% | 0.5% | ✓ |
| K Kredobank | 13% | 14% | 15% | 2% | 1% | ✓ |
| O OTP Bank | 12.8% | 13.8% | 14.8% | 1.5% | 1% | ✓ |
| R Raiffeisen Bank | 12.5% | 13.5% | 14.5% | 1.8% | 1.2% | ✓ |
| U UkrSibbank | 12.5% | 13.5% | 14.5% | 1.6% | 1% | ✓ |
| P ProCredit Bank | 12.5% | 13.5% | 14.5% | 2% | 1.5% | ✓ |
| C Credit Agricole Bank | 12% | 13% | 14.2% | 1.8% | 1.2% | ✓ |
What to know about Ukrainian deposits in 2026
A deposit is a contract with a bank where you place money for safekeeping at a fixed interest rate. All deposits in Ukrainian banks are insured by the Deposit Guarantee Fund (DGF). Since 1 April 2024, the guarantee covers up to UAH 600,000 per depositor per bank. This applies to both hryvnia and foreign-currency deposits.
Which bank offers the highest rate?
As of early 2026, the highest UAH 12-month deposit rates come from mid-sized banks: Forward Bank (17%), Sense (16.5%), monobank/A-Bank (16%), Globus/Cominbank (16%). State-owned banks (PrivatBank, Oschadbank) offer 15–15.5%, foreign-owned 14–14.5%. The 2-3 percentage-point gap means an extra UAH 2,000–3,000 per year on every UAH 100,000 deposited.
Hryvnia or foreign-currency deposit — what to pick in 2026?
A hryvnia deposit at 15-17% covers projected 2026 inflation (12-14%) with 2-4 percentage points of real return. A USD deposit protects against sharp devaluation, but the 1.5-2.5% rate doesn't fully cover dollar inflation. Optimal — diversify: 60-70% UAH, 30-40% USD/EUR. For savings toward EU purchases (travel, EU goods), EUR deposit is better.
Deposit taxation
Deposit interest income in Ukraine is taxed at 19.5% (18% PIT + 1.5% military duty). The bank withholds the tax automatically and remits it to the budget — you receive a net payout. The rates in the table are pre-tax. Multiply by 0.805 to get the real net yield.
FAQ
What are the best UAH deposit rates in 2026?
For 12 months — 14.2–17.0% annually. Top 3 banks: Forward Bank (17.0%), Sense (16.5%), monobank / A-Bank (16.0%). Exact rates may vary — verify on the bank's website before opening.
Can I open a Ukrainian bank deposit online?
Yes, at 16 of the 21 banks on this list. Online opening requires: Ukrainian citizenship, ID verification via Diia or video call, and an active bank account. Minimum deposit is typically UAH 1,000.
What happens to my deposit if the bank fails?
If a bank loses its licence, the DGF pays compensation up to UAH 600,000 per depositor. Payouts begin 30 business days after temporary administration starts. Amounts above the limit may be lost unless covered by the bank's liquidation estate.
Can I withdraw a deposit early?
Yes, but conditions depend on the bank. Most commonly: early withdrawal forfeits accrued interest, or interest is recalculated at the demand-account rate (1–3% annually). Some banks (monobank, Sense) offer flexible deposits with penalty-free early withdrawal — but at a 1–2 percentage-point lower rate.