ПриватБанк — Депозит UAH 3 міс.

Verified 04.09.2026

ПриватБанк • UAH

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Our review

Олена Ткаченко · Updated: 27 August 2026

Intro

PrivatBank's 3-month hryvnia deposit is a short-term instrument for those who want some return on spare funds without locking them away for long. It suits people who value flexibility: the money returns after a quarter, and can be placed again on new terms or used as needed. This is a solution for cautious “just in case” savings, not long-term accumulation.

Interest rate

The rate is 13% annually in hryvnia. This is lower than deposits at the same bank for longer terms — the bank traditionally pays less for shorter placement. The exact interest accrual and payout schedule should be confirmed in the Privat24 app or at a branch before opening, as it isn't specified in public data.

Terms and fees

The minimum opening amount is 500 hryvnia, making the product accessible to almost anyone. There's no maximum. The placement term is fixed at 3 months. Current early-termination terms are best checked directly on PrivatBank's official rates page, since the bank may adjust them.

Pros and cons

Pros:
Low entry threshold — from 500 UAH
Short term — funds return after just 3 months
Ability to react quickly to changing market rates
Minimal risk of locking money away for long

Cons:
Rate is lower than longer deposits at the same bank
No public data on interest capitalization
The hryvnia deposit offers no protection against devaluation
Income over such a short term is modest in hryvnia

Summary

PrivatBank's three-month hryvnia deposit is a simple, accessible option for short-term storage of a small sum with a modest 13% annual return. If the main goal is maximizing profitability rather than flexibility, consider the same bank's one-year deposit at 14%.

✓ Pros

✓ Low entry threshold — from 500 UAH
✓ Short term — funds return after just 3 months
✓ Ability to react quickly to changing market rates
✓ Minimal risk of locking money away for long

✕ Cons

✕ Rate is lower than longer deposits at the same bank
✕ No public data on interest capitalization
✕ The hryvnia deposit offers no protection against devaluation
✕ Income over such a short term is modest in hryvnia