ПриватБанк — Депозит USD 12 міс.

For Beginners Verified 04.09.2026

ПриватБанк • USD

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Our review

Олена Ткаченко · Updated: 27 August 2026

Intro

PrivatBank's 12-month US dollar deposit is for those who keep part of their savings in a hard currency and want at least a symbolic return while the money sits in the account. This isn't an earning instrument but a way to secure the currency portion of savings while getting a small return instead of zero.

Interest rate

The rate is 1.5% annually in US dollars. This is a typically low level for dollar deposits at Ukrainian banks — currency deposits traditionally yield far less than hryvnia ones, since the dollar itself is already a store of value. The interest accrual and payout schedule isn't detailed in public data, so it's worth confirming in the Privat24 app or at a branch before opening.

Terms and fees

The minimum opening amount is 100 US dollars, with no maximum. The placement term is fixed at 12 months. Early-termination terms should be checked on PrivatBank's official rates page, as the bank may adjust them.

Pros and cons

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

Summary

PrivatBank's one-year dollar deposit at 1.5% is primarily a preservation tool, not a way to grow capital. It suits those who've already decided to hold part of their savings in dollars and want some return for it, not those seeking high yield.

✓ 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