Term deposits in Ukraine

✓ Pros

• ✓The highest rate among the PrivatBank hryvnia deposits reviewed — 14%
• ✓Accessible entry threshold — from 500 UAH
• ✓Fixed yield for the whole year ahead
• ✓A simple, straightforward product with no hidden conditions in the base data

✕ Cons

• ✕Funds are locked for a full year
• ✕Early termination most likely reduces the yield (terms should be confirmed)
• ✕Hryvnia savings over such a long term are vulnerable to inflation and devaluation
• ✕No public information on interest capitalization

✓ Pros

• ✓Ability to keep savings in dollars, diversifying the currency portfolio
• ✓Low entry threshold — from 100 dollars
• ✓Fixed rate for the whole year ahead
• ✓Simple product with no complex conditions in the base data

✕ Cons

• ✕1.5% annual rate is very low, real income is minimal
• ✕Funds are locked for a full year
• ✕Early termination most likely reduces the yield (terms should be confirmed)
• ✕No public information on interest capitalization

✓ Pros

• ✓Ability to diversify savings in euros
• ✓Accessible entry threshold — from 100 euros
• ✓Fixed rate for the whole year ahead
• ✓Simple product with no complex conditions in the base data

✕ Cons

• ✕0.5% annual rate is symbolic, providing practically no income
• ✕Funds are locked for a full year with no flexibility
• ✕Early termination most likely reduces the yield (terms should be confirmed)
• ✕No public data on interest capitalization