ПриватБанк — Конверти (ощадний рахунок)

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ПриватБанк • UAH

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Our review

Олена Ткаченко · Updated: 27 August 2026

PrivatBank's Konverty: what this product is

“Konverty” (Envelopes) is a savings account from PrivatBank, created for those who want to save money separately from their main card while keeping full access to the funds. It's a convenient option for building a “safety cushion” or saving toward a specific goal without opening a classic term deposit.

Interest rate

The rate is 14% annually in hryvnia (UAH). The account is maintained exclusively in the national currency.

Terms and fees

The minimum amount to open the account is symbolic — just 1 hryvnia, making the product accessible to practically anyone who wants to start saving.

The main advantage of “Konverty” is flexibility: the account allows deposits and withdrawals without losing accrued interest. This fundamentally differs from a classic deposit, where early withdrawal usually means losing part or all of the return.

Pros and cons

Below is a brief summary of the product's strengths and weaknesses.

Summary

PrivatBank's “Konverty” is a simple, accessible savings tool with a 14% annual rate and a minimal entry threshold of 1 UAH. The product's main value is the ability to freely deposit and withdraw funds without losing interest, making it a convenient alternative to a classic deposit for those who value flexible access to their savings.

✓ Pros

✓ Minimal opening threshold — just 1 hryvnia
✓ Flexibility: deposits and withdrawals with no loss of accrued interest
✓ 14% annual rate in hryvnia
✓ No fixed term — the account can stay open as long as needed

✕ Cons

✕ The account is available only in hryvnia — no currency options
✕ The rate is lower than classic term deposits with locked funds
✕ No information on possible rate changes depending on balance