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In the context of the decision of the Monetary Committee of the National Bank of Ukraine, which left the discount rate and other monetary instruments unchanged, in particular the rate on 3-month deposit certificates, the yield on hryvnia deposits will remain at the highest level since 2023.

Depending on the term of the deposit, it can reach 17% per annum.
This assessment was given by Dmytro Zamotaiev, Director of the Retail Business Department at GLOBUS BANK.
The banker reminded that currently, the highest average rates on hryvnia deposits can be obtained by placing funds for a term of 6-9 months or 1 year. The average yield on such deposits is 14.5% per annum, and the maximum is 16.5-17% per annum.

“For half a year now, hryvnia deposits have remained one of the simplest and most profitable mechanisms for protecting funds from inflation. And with inflation falling, which according to forecasts based on October results will not exceed 11.5–12% on an annualized basis, new depositors will be able to earn passive income of up to 3%,” the expert noted.

“For half a year now, hryvnia deposits have remained one of the simplest and most profitable mechanisms for protecting funds from inflation. And with inflation falling, which according to forecasts based on October results will not exceed 11.5–12% on an annualized basis, new depositors will be able to earn passive income of up to 3%,” the expert noted.

Dmytro Zamotaiev shared key tips for those planning to place their funds on deposit.
Before choosing a hryvnia deposit, it is important to compare the decision with your own financial goals. If a person wants to “hedge” against life's surprises and not depend on a long-term deposit, deposits for 3–6 or 6–9 months would be the optimal choice.

When choosing a deposit, it is worth evaluating the expected return. For example:

• Deposits for 3–6 months yield an average of about 13–13.5% per annum;
  
• For 6–9 months, average rates range from 13.5% to 14.5%;
  
• For 9–12 months, average rates are 13–13.5%;
  
• Deposits for a year or more yield 14–14.5%.

It should be noted that 23% of the required taxes should be deducted from the stated rates of return.
In addition to the base rate, it is worth paying attention to additional bonuses for new depositors: “welcome” bonuses of 0.5–1 percentage points, favorable conditions for replenishment, or the possibility of early termination of the contract.

In order for the income to be “noticeable,” it is recommended to deposit between 20,000 and 50,000 UAH.
The stated yield on bank deposits is always given in annual terms, so for shorter terms, you need to recalculate the income correctly. If, for example, a rate of 17% per annum is offered on a 6-month deposit, the actual rate will be 8.5%, of which the customer will have to pay an additional 23% tax, or 1.95%. In other words, the stated 17% per annum actually turns into a “net” 6.55%.

Dmytro Zamotaiev gave examples of income depending on the amount, term of placement of funds, and average deposit rate:

• A deposit of UAH 20,000 for 3 months at 13% per annum (monthly rate of 1.08%, total for the term — 3.25%) will bring UAH 650 in income, with net income after tax of UAH 500.5.
  
• A deposit of UAH 20,000 for 6 months at 14.5% per annum (monthly rate 1.21%, total for the term — 7.25%) will yield UAH 1,550, net income — UAH 1,116.5.
  
• A deposit of UAH 20,000 for 9 months at 14.5% per annum (monthly rate 1.21%, total 10.875%) will provide UAH 2,175 in income, net income — UAH 1,674.6.
  
• A deposit of UAH 20,000 for 1 year at 14.5% per annum (monthly rate 1.21%, total — 14.5%) will yield UAH 2,700 in income, with a net income of UAH 2,079.

He expects that, provided positive economic dynamics, a stable situation on the currency market, and effective countermeasures against the enemy, along with the security of energy and critical infrastructure facilities, are maintained, some citizens who usually buy cash currency at the end of the year may switch to hryvnia deposits.

"We currently estimate that up to 30% of hryvnia funds received at the end of the year in the form of bonuses, dividends, and premiums may be directed into hryvnia deposits. This is a fairly large share, given that during several years of full-scale war, up to 90% of income received was spent on purchasing currency to protect funds from devaluation," the expert emphasized.

The banker also notes that by the end of the year, the yield on hryvnia deposits will remain more or less stable. At the same time, if the official dollar exchange rate is at the level of 42.2–43 UAH, and the dollar-euro ratio on world markets does not exceed 1.18 (i.e., the euro exchange rate in Ukraine will be within the range of 50–51 UAH), this may encourage citizens to study deposit offers more carefully.

“A strong hryvnia and relative ‘calm’ on the currency market may encourage those who view deposits as a reliable mechanism for preserving the purchasing power of their savings. Moderate inflation is an additional but significant argument for earning passive income from deposits,” concluded Dmytro Zamotaiev.

JOINT STOCK COMPANY “COMMERCIAL BANK ”GLOBUS" (GLOBUS BANK) was founded in 2007.
As of October 2025, the regional network has 33 branches, including 28 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 the 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.