2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16
Ukrainian State Bank “Oshchadbank”, whose deposits we will consider below, is one of the largest financial institutions in the country. It works in all spheres of the Ukrainian economy. In this article, we will consider its deposit offers. You will learn everything about deposits in Oschadbank, interest rates as of February 2016, which are available to ordinary customers, as well as the features of a particular type of deposit.
Savings of individuals
The key to success in providing such services is the credibility and reliability of the bank. Considering that the legislation of Ukraine guarantees a full refund of funds to customers in the event of bankruptcy of this financial institution, it has no problems with customer confidence.
Various deposits are available for individuals. Oschadbank currently offers the following types of deposits:
“Classic”;
“Warm Hugs”;
“Capital”;
“Pension”;
“Flexible.”
Each of them has its own advantages. Let's look into the conditions of existing deposits.
“Classic”
This deposit is an urgent offer fromstandard conditions. You can conclude a contract for a period of 7 days to 36 months. The amount is deposited once when opening an account, and in the future it is impossible to replenish such deposits. Oschadbank gives customers the opportunity to independently choose the option of paying interest: monthly, quarterly or at the end of the contract.
The highest rate is available when making a deposit for a period of 18 to 36 months in hryvnia. In this case, you can count on 18, 50% per annum. For example, when placing money for one week, the bank offers 16.50%.
“Warm Hugs”
Such a deposit will allow you to get the maximum benefit in the shortest possible time. The term of the deposit is 3 or 6 months. If you place funds in UAH, then in the first case the annual interest rate is 19.00%, and in the second - 20.00%. You can independently choose the included features by making such deposits. Oschadbank offers customers the following options:
- Capitalization of interest.
- Possibility of replenishment.
- Monthly interest payment.
You cannot withdraw such a deposit before the expiration of the contract.
“Capital”
Don't have a lot of money and want to save up? The “Capital” deposit will help to realize this, since it has the possibility of replenishment. The term for concluding a contract can be different: from 3 to 36 months.
Oshchadbank pays monthly interest to the card or theircapitalization on the deposit account. Deposit rates are very attractive: from 17.50% to 18.50% in hryvnia, depending on the term of funds placement.
The minimum deposit amount is UAH 100.
“Pensionary”
If you are of a respectable age and have a pension certificate, then the “Pension” deposit will suit you. Oschadbank, whose interest on deposits is always at a high level, offers pensioners to receive in hryvnia from 18.25% to 19.50% per annum.
The following terms for concluding a deposit agreement are available:
- For 3 months.
- For 6 months.
- For 12 months.
- For 18 months.
A convenient condition is that you can replenish the deposit at any time and in any size, that is, there is no minimum threshold for making additional contributions.
Interest can be received both monthly and quarterly or at the end of the deposit term.
“Flexible”
This type of deposit is offered to those clients who are not sure that they will not need the deposited funds during the term of the agreement.
So, it is possible to withdraw all the money from the account once without losing the interest rate and pen alties. This only applies if the time period between account opening and withdrawal is at least 31 days.
Flexible deposit can only be opened for 18 months. You can replenish it with at least 100 UAH. Chooses interest payment optionscontributor himself. The funds will be placed at 17% per annum.
Can you trust?
The issue of trust means quite a lot for customers who choose a bank to deposit their funds with.
Opening deposits in Oschadbank, the interest rates for which are given above, you can sleep peacefully. After all, as it was written earlier, the state itself ensures the return of deposits.
Of course, there are non-banking organizations in the financial services market that are willing to pay customers more for depositing funds, but are they able to provide such guarantees?
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