In April 2025, Ukrainian banks raised interest rates on hryvnia deposits, making deposits a little more attractive to the population. The average increase was 1-1.5 percentage point, and deposits remain the most favorable for 6 to 9 months. In some cases, depositors can earn up to 14.5% per annum, and with bonus conditions - even more.
According to bank experts, the situation in the deposit market looks like this:
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3–6 months - 13–13.5% per annum
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6–9 months - 13.5–14.5% per annum
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9–12 months - 13–13.5% per annum
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from 1 year - 13–13.5% per annum
That is, the highest profit will be received by those who will open the contribution to the maximum rates.
Director of the Retail Business Department Globus Bank Dmitry Zamotayev provided examples of real income after taxes:
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For 3 months under 13% per annum:
💵 Profit before tax - 325 UAH
💸 net - 250.25 UAH -
For 6 months under 14.5% per annum:
💵 Profit - 725 UAH
💸 net - 558.25 UAH -
For 9 months under 14.5%:
💵 Profit - UAH 1087.5
💸 net - 837.3 UAH -
For 12 months under 13.5%:
💵 Profit - 1350 UAH
💸 net - 1039,5 UAH
It should be reminded that 18% of the income tax on individuals and 1.5% of the military levy are maintained from deposit income in Ukraine.
Some banks offer additional bonuses to attract new customers - up to 1.5% to the standard rate. In this case, the real profitability of the deposit can reach 16% per annum. For example, on a contribution of 10 thousand UAH for 6 months for such a rate, net income can amount to more than 616 UAH.
Financies predict that in the coming months, the rates will remain, and medium -term deposits will remain the best choice - for 6-9 months. They give the optimal balance between profitability and flexibility.
