Article content
- Types of passive income
- Advantages of deposits
- Disadvantages of deposits
- Is it worth placing money in a deposit in 2026
In 2026, Ukrainians, as in previous years, carefully weigh every financial decision. In the context of military risks and economic instability, the question remains particularly relevant: is it worth putting money on deposit, and does this instrument retain its reliability today?
The practice of the Ukrainian banking system confirms that even during wartime, deposits remain one of the most predictable and secure ways to preserve savings. That is why the answer to the question of whether it is worth putting money on deposit during wartime is positive for most depositors — provided they choose the right bank and deposit program.
In this article, we will look at the key advantages and limitations of deposits, compare them with other passive income instruments, and help you determine whether deposits remain a rational financial decision in 2026.
Types of passive income
If you are considering where to invest your money to protect it from devaluation and earn additional income, there are several opportunities to generate passive income in Ukraine:
- Deposits in banks
- Bonds
- Gold
- Shares of foreign companies
- Real estate
- Cryptocurrency
If we evaluate each of these options according to the criteria of riskiness, minimum amount, yield and availability, then the best place to keep money during the war these are term deposits in banks. Next, we will take a closer look at why deposits are the absolute favorite compared to other investment instruments.
Advantages of deposits
1. Deposit guarantee
All Ukrainian banks are members of the Individual Deposit Guarantee Fund. During martial law, the full amount of the deposit and accrued interest is guaranteed, and even in the event bankruptcy of the financial institution, the deposit refund mechanism is well-established and takes a minimum of time. Therefore, if you decide where it is better to keep money during the war, then in the case of a bank deposit, you can be absolutely sure that you will get back not only the invested funds, but also the income received from them.
2. Accessibility and simplicity of design
In a matter of minutes, you can find out reliable information about any bank on the NBU website, and quickly view and compare interest rates on deposits in different financial institutions on bank websites. A deposit can be placed in any branch of any bank in a maximum of an hour, and for customers - in a few clicks in online banking, without leaving home. For this, it is not necessary to have additional knowledge, engage a broker or open an account in a foreign bank.
3. Stable passive income
Deposits of 2026 offer a sufficiently high yield in UAH and can bring you 16-17% p. a. At the same time, attractive rates can be selected for both short-term and long-term investments. An additional advantage is that the amount of income and the date of its payment are clearly defined and do not depend on market fluctuations or any other factors, as, for example, in the case of buying shares or gold.
For a better understanding: if today you deposit, for example, UAH 100,000 at 16.25% p.a., then in a year the deposit amount, including interest, will be UAH 116,250. Even after paying taxes, the net income will remain significant and exceed the inflation rate.
Deposits in Agroprosperis Bank
Disadvantages of deposits
- Restrictions on access to funds. The vast majority of deposits do not provide for the possibility of early termination, so regardless of the situation, you have to wait until the end of the term of the deposit to get your funds back.
- Income taxation. 18% personal income tax and 5% military levy must be paid from the amount of accrued interest, as well as from other types of income, which reduces the actual profit from the deposit.
- Risk of high inflation. Today, deposit rates significantly exceed the level of inflation and, even after deducting taxes, allow you to multiply the deposited funds. However, during the term of the deposit, a significant increase in inflation is possible, despite the fact that the rate under the current contract will remain fixed.
In view of the listed advantages and disadvantages, we can conclude that it is better for you to put money on deposit if you are not willing to take risks for high returns or delve into more complex investment instruments, and instead prefer to receive fixed and guaranteed income without requiring additional knowledge or effort on your part.
Is it worth placing money in a deposit in 2026
Ukrainian banks have been working in the conditions of a full-scale war for almost a year and a half and at the same time they provide financial services in a full, stable and uninterrupted manner. This is a strong proof of the stability and reliability of the banking system, which, in turn, increases the trust of the population in banks. Confirmation of the level of trust in the banking system, even during martial law, is more than a trillion hryvnias that Ukrainians keep in bank accounts, and this amount is steadily growing.
In addition to reliability, transparency and comprehensibility, another advantage of bank deposits is a high level of guaranteed yield. Although we have observed a slight gradual decline in deposit rates over the past year, rates have stabilized as of today, and no further decrease is expected in the near future. In any case, the net yield on deposits, after taxes, will exceed the inflation rate, ensuring that hryvnia deposits remain attractive.
Deposits in foreign currency
If we talk about interest on foreign currency deposits, they have been at a minimum level for a long time and there are no prerequisites for their growth. However, this in no way reduces the popularity of such deposits, because in addition to deposit rates, the final yield is also affected by the devaluation of the national currency.
As we can see, in 2025, the dollar fluctuated in the range of 41-42 UAH/USD. According to the forecasts of the Ministry of Economy, in 2026, the pace of devaluation will slow down somewhat, and the dollar exchange rate in the state budget is set at 45.7 UAH/USD.
For more information about the advantages and disadvantages of saving funds in different currencies and the risks of each type of savings, read our article In which currency is it better to open a deposit.
When choosing a bank for a deposit, special attention should be paid not only to the interest rate, but also to the stability of the institution itself. That is why many depositors prefer banks with foreign capital, a transparent ownership structure, and a stable history of operating in the Ukrainian market. Agroprosperis Bank combines these characteristics with competitive deposit yields and a modern level of service, making it a convenient and predictable partner for saving money in difficult times. For depositors, this means not only favorable figures in the contract, but also confidence in the future — when financial decisions work smoothly, predictably, and without unpleasant surprises.
So, if you want to preserve and grow your savings in 2026, a hryvnia deposit in 2025 remains one of the most sensible and prudent decisions. And if it is important for you to place your funds profitably and safely — in a reliable bank with foreign capital, a transparent structure, and a stable history — deposits at Agroprosperis Bank will be a logical choice. For many people, a deposit is not just a financial product, but a feeling of confidence and inner balance, when the future is not frightening, but planned.
