Expert opinion

In December, interest rates on hryvnia deposits, including promotional bonuses, rose to 18% per annum.

This was announced by Dmitry Zamotaev, director of the retail business department at GLOBUS BANK.

According to the banker, this increase in deposit yields takes into account welcome bonuses for new depositors, which amount to 1.5 percentage points above the base rates. As before, banks are focusing on the development of ultra-short-term deposits—from 3 to 9 months—as well as 1-year deposits.

“During the holiday season, ‘incentive’ promotions are quite understandable, allowing potential depositors to count on higher returns than usual. That is, in December, depositors should expect similar holiday offers from banks,” the expert explained.

He notes that the market conditions for attracting funds from citizens remain favorable for nine months. One of the key factors is the level of return on deposits, which almost completely covers the projected inflation.

"Based on the forecasts of the National Bank and the government, annual inflation will not exceed 10% by the end of the year. At the same time, inflation is forecast at 9.7% for 2026, with the prospect of a further decline. This means that if economic conditions are favorable, by placing funds for a term of 6-9 months, as well as for 1 year, the client will not only preserve their purchasing power, but also receive passive income at the level of 3-4%," emphasized Dmytro Zamotaiev.

He cites relative stability in the currency market as another factor that will stimulate investors in the near future. According to the expert, even if the official dollar exchange rate remains in the range of 45–46 UAH over the next year (which is the rate set in the state budget for 2026), the percentage increase in the value of the US currency compared to the exchange rate at the beginning of December 2025 will average 6–8%.

“While the war continues, a ”managed flexibility" regime will most likely remain in place, which effectively protects the currency market from shocks. It is clear that the National Bank has sufficient leverage to maintain market stability and ensure the stability of the Ukrainian currency. Therefore, all fears about the “fate” of the hryvnia are currently more hypothetical. At the same time, next year's exchange rate benchmarks are unlikely to exceed UAH 46 per dollar," the banker believes.

According to Dmytro Zamotaiev's forecast, the highest rates on hryvnia deposits — up to 18% per annum — will remain until mid-late January 2026, when the promotional periods at most banks will end. Therefore, the next 1–1.5 months may be the most favorable time to invest funds.

“Honest,” classic deposits usually do not provide for the possibility of replenishment or early withdrawal. It is for such deposits that the highest rates are offered — base plus bonus. And in order not to lose profit, it is worth considering this feature when making a decision," the expert advises.

At the same time, he recommends that citizens first and foremost focus on their own financial plans and carefully evaluate the additional terms and conditions of each deposit program.

The expert emphasizes that the banking system is reliably protected today, and each deposit is guaranteed by the Deposit Guarantee Fund for Individuals. This means that in the event of a bank's liquidation, the depositor will get their funds and accrued interest back within the guaranteed amount.

“The financial system is operating in difficult wartime conditions. But despite this, the state and the banking sector have created all the necessary mechanisms so that citizens can safely store and protect their savings without losing their value and receiving a fair return,” concluded Dmytro Zamotaiev.

JOINT STOCK COMPANY “COMMERCIAL BANK ”GLOBUS" (GLOBUS BANK) was founded in 2007.

As of December 2025, the regional network has 34 branches, including 29 that are part of the Power Banking network, which allows them to operate in the absence of electricity.

GLOBUS BANK has been confirmed as having the highest credit rating on the national scale at uaAAA, as well as a deposit rating of ua2+ on the scale of the rating agency Expert-Rating.
The bank's priority areas of activity are lending to energy-efficient projects, mortgage lending in the primary market, car loans, and lending to small and medium-sized businesses.

GLOBUS BANK is an accredited partner of a number of state programs: the state mortgage program “eOselya,” the preferential lending program for small and medium-sized businesses “5-7-9,” “Affordable Factoring,” “Affordable Financial Leasing 5-7-9,” and “Energy Independence for Individuals - Household Owners.”

The bank is a partner of the State Agency “Energy Efficiency Fund” in the ‘Energodim’ and “GreenDim” lending programs for condominiums and housing cooperatives.
The bank is a participant in the state program “National Cashback.”
On June 25, 2024, GLOBUS BANK became one of 17 largest Ukrainian banks that signed a Memorandum on lending for energy infrastructure restoration projects.

Serhii Mamedov, Chairman of the Board of GLOBUS BANK, is Vice President of the Confederation of Builders of Ukraine and Vice President of the Association of Ukrainian Banks.