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For individuals
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Deposits
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Deposit terms and conditions
| F&C "Classic" Deposit |
| BENEFITS FOR THE CLIENT: earning maximum income |
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Deposit period: 1, 3, 6, 9 months, 370 days, 18 months
Deposit currency: UAH / USD / EUR / RUB / GBP
Minimum deposit amount: 500 UAH, 2000 RUB, 100 USD/100, 500 GBP
Interest payment frequency: at deposit maturity
Deposit replenishment: is not permitted
Partial withdrawal: is treated as early withdrawal
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Early withdrawal terms: In case of early withdrawal within the first 90 days of the deposit agreement validity period, the accrued interest shall be re-calculated for the whole period of safekeeping funds on the deposit account at the rate of 2% per annum in national currency, 1% per annum in foreign currency. In case of early withdrawal after the first 90 days of the deposit agreement validity period, the accrued interest shall be re-calculated for the actual period of safekeeping funds on the deposit account at the rate of 50% of the rate pursuant to the deposit agreement.
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| Interest rates |
| F&C "Optima" Deposit |
| BENEFITS FOR THE CLIENT: possibility of early withdrawal of the deposit at the end of each full quarter without a loss of accrued interest |
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Deposit period: 6 months, 370 days, 18 months
Deposit currency: UAH / USD / EUR
Minimum amount of deposit: 500 UAH, 100 USD/ EUR
Interest payment frequency: quarterly
Deposit replenishment: is permitted during the first half of the agreement validity period
Partial withdrawal: is treated as early withdrawal
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Early withdrawal terms: In case of early withdrawal of a deposit the accrued interest shall be re-calculated for the period starting with the date of its accruing on the last full quarter prior to the date of early withdrawal at the rate of 2% per annum in national currency, 1% per annum in foreign currency.
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| Interest rates |
| F&C "Standard" Deposit |
| BENEFITS FOR THE CLIENT: monthly receipt of accrued interest |
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Deposit period: 3, 6, 9 months, 370 days, 18 months
Deposit currency: UAH / USD / EUR / RUB
Minimum amount of deposit: 500 UAH, 100 USD/ EUR, 2000 RUB
Interest payment frequency: monthly
Deposit replenishment: is not permitted
Partial withdrawal: is treated as early withdrawal
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| Early withdrawal terms: In case of early withdrawal within the first 90 days of the deposit agreement validity period, the accrued interest shall be re-calculated for the whole period of safekeeping funds on the deposit account at the rate of 2% per annum in national currency, 1% per annum in foreign currency. In case of early withdrawal after the first 90 days of the deposit agreement validity period, the accrued interest shall be re-calculated for the actual period of funds being placed with the Bank at the rate of 50% of the rate pursuant to the deposit agreement. |
| Interest rates |
| F&C "Pension" Deposit |
| BENEFITS FOR THE CLIENT: earning additional income to retirement pay due to increased interest on time deposit |
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Deposit period: 1, 3, 6, 9 months, 370 days
Deposit currency: UAH / USD / EUR
Minimum amount of deposit: 100 UAH, 20 USD/ EUR
Interest payment frequency: monthly
Deposit replenishment: is permitted during the first half of the agreement validity period for deposits placed for the period from 6 months
Partial withdrawal: is treated as early withdrawal
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Early withdrawal terms: In case of early withdrawal within the first 90 days of the deposit agreement validity period, the accrued interest shall be re-calculated for the whole period of safekeeping funds on the deposit account at the rate of 2% per annum in national currency, 1% per annum in foreign currency. In case of early withdrawal after the first 90 days of the deposit agreement validity period, the accrued interest shall be re-calculated for the actual period of funds being placed with the Bank at the rate of 50% of the rate pursuant to the deposit agreement.
Additional terms: the pension certificate should be presented
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| Interest rates |
| F&C "Line of Deposit" |
| BENEFITS FOR THE CLIENT: possibility of partial withdrawal without a loss of accrued interest |
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Deposit period: 370 days
Deposit currency: UAH / USD / EUR
Minimum amount deposited into account 2635: from 500 UAH, 100 USD/ EUR
Interest payment frequency: monthly
Deposit replenishment: is permitted
Partial withdrawal: It is permitted to withdraw the deposit amount partially from the account with call amounts only (account 2620) without re-calculation of accrued interest
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Early withdrawal terms: (in case of the depositor's demand to withdraw the deposit amount in part or in full from his/her account 2635): In case of the early withdrawal the interest accrued on the deposit amount held on account 2630 shall be re-calculated for the whole period of the deposit agreement validity at the rate of 2% per annum in national currency, 1% per annum in foreign currency
When placing this deposit, there are two accounts opened along with it:
- 2635 is the account the deposit amount is paid into (the initial amount to be paid into the account is defined by the customer at his/her discretion, but not less than 500 UAH or 100 $ / €; account 2635 permit only deposit replenishment), and
- 2620 is the account in which the funds are held as a demand deposit with the possibilities of replenishment, partial or full withdrawal of funds at the customer's first request, without the interest earned being recalculated.
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| Interest rates |
| F&C "Gold" Deposit |
| BENEFITS FOR THE CLIENT: earning income from accrued interest and the increase in price for gold |
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Deposit period: 6 months, 370 days, 18 months, 24 months
Deposit currency: bank metal (gold) in bullions
Minimum deposit amount: 50 grams
Interest payment frequency: at deposit maturity, the accrued interest weighing less than 20 grams is pain in UAH according to the NBU exchange rate on the deposit withdrawal day, over 20 grams - in bullions 20-fold in number
Deposit replenishment: is permitted during the first half of the agreement validity period, minimum replenishment amount is 20 grams of gold
Partial withdrawal: is treated as early withdrawal
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Early withdrawal terms: In case of early withdrawal of the deposit on the depositor's initiative the accrued interest shall be re-calculated at the rate of 1/10 of the current rate fixed in the deposit agreement.
Additional terms: upon the deposit maturity, the deposit and the interest accrued on it shall be returned to the customer's current precious metal account opened with the Bank.
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| Interest rates |
| F&C "Excellent Seven" Deposit |
| BENEFITS FOR THE CLIENT: possibility of short-term depositing with automatic prologation of the agreement |
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Deposit period: 7 days, with a possibility to prolong the agreement for the same period (the deposit agreement can be prolonged 12 times maximum). With every new prolongation of the agreement the interest rate for each new 7 day period increases by 0,1%.
Deposit currency: UAH / USD / EUR
Minimum amount of deposit: UAH 2,000 / USD 200 / EUR 200
Interest payment frequency: at the end of each 7 day period
Deposit replenishment: is not permitted
Partial withdrawal: is not permitted
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Early withdrawal terms: In case of early withdrawal within each new deposit period, the accrued interest shall be re-calculated at the rate of 2% per annum in national currency, 1% per annum in foreign currency within every new deposit prolongation period. Given that, we re-calculate only the accrued interest on the last prolongation period within which the early withdrawal of the deposit was initiated by the depositor prior to the deposit maturity date.
Additional terms: The client is entitled to withdraw the whole of deposit without recalculation of accrued interest after each 7 day period of safekeeping deposit in the bank.
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| Interest rates |
| F&C "Precious metal" Deposit (non-cash metal) |
| BENEFITS FOR THE CLIENT: earning income from accrued interest and the increase in price for the bank metal |
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Deposit period: 6 months, 370 days, 18 months
Deposit currency: non-cash bank metal (gold/silver)
Minimum deposit amount: from 62.2 gr (2 ozt) gold / 995,3 gr (32 ozt) silver
Interest payment frequency: at deposit maturity (the accrued interest is paid out in UAH at the effective exchange rate established by the bank on the date of operation)
Deposit replenishment: is permitted during the first half of term of the agreement, the minimum replenishment amount is from 62.2 gr (2 ozt) gold / 995.3 gr (32 ozt) silver
Partial withdrawal: is treated as early withdrawal
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Early withdrawal terms: In case of early withdrawal of the deposit, the interest is recalculated for the whole validity period of the agreement at the rate of 0.001% per annum.
Additional terms: upon the deposit maturity, the deposit and the interest accrued on it shall be returned to the customer's current precious metal account opened with the Bank.
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| Interest rates |
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