Deposits for individuals

How to place a deposit in Agroprosperis Bank?

Choose the deposit that suits you best

Deposits differ in the terms of interest payment (monthly, at the end of the term or with capitalization), the possibility of replenishment, partial withdrawal and early termination. The highest rate is usually set for deposits with interest payments at the end of the term and without replenishment. This is the "Classic+" deposit from Agroprosperis Bank.

You can find out the terms of deposits and compare the current conditions in the file Detailed terms of deposits, and calculate the amount of interest - in the Deposit Calculator.

Choose the most convenient conditions, currency and term of the deposit.

Familiarize yourself with the terms of banking services

Get acquainted with the Rules and Conditions of Provision of Banking Services for Individual Clients in JSC "AP BANK", the agreement on joining the Agreement on Comprehensive Banking Services for Individuals in JSC "AP BANK" and the Application for a certain type of service (deposit placement, current account opening) , opening a card account). These documents are posted in the Public Proposal section.

Visit the bank branch and take the original documents with you

Visit the bank branch at the operating time (time of serving customers in the office) and take with you the original documents required to open a deposit:

• passport or a document that replaces it
• for residents - a certificate of assignment of the registration number of the taxpayer's account card
• for individuals engaged in independent professional activity - a copy of the document confirming the registration of such a person by the supervisory authority
• when placing a deposit (deposits) for a total amount of UAH 400,000 or if the depositor is a politically significant person, a member of his / her family or a person related to a politically significant person - documents confirming the sources of his / her income.

Place funds on deposit:

Deposit in cash at the cash desk of Agroprosperis Bank or transfer non-cash to your current or card account within five calendar days from the date of opening the deposit. As soon as the required amount of funds is deposited in the account, the funds are credited to the deposit.

When planning a cash deposit transaction, read the bank's opening hours in advance, and in the case of non-cash transfers, the bank's operating hours during which the bank performs customer transactions.

Choose a convenient way to earn interest on the deposit:

• to the current account. You can receive funds from the current account in cash through the cash desk of Agroprosperis Bank
• on the card to the deposit of Agroprosperis Bank

By issuing a deposit card, you will have access to AP Bank's online banking, where you can view the current balance and movement of funds on the deposit, as well as dispose of the interest received. Read more about online banking here. With the deposit card you will be able to withdraw accrued interest free of charge at ATMs of partner banks, as well as pay free of charge in the retail network and on the Internet.

Taxation of interest on the deposit

According to the Tax Code of Ukraine, personal income tax of 18% is deducted from the amount of accrued interest on the deposit and an additional military tax of 1.5% of the accrued interest is withheld. You can calculate the amount of accrued interest on the deposit before and after tax in the Deposit Calculator.

How to manage a deposit in Agroprosperis Bank

Deposit replenishment

The possibility of replenishment is provided by deposits "Capital", "Flexible" and "Savings". The amount of one replenishment may not be less than the minimum deposit amount for the selected deposit, and the maximum amount of the total replenishment for the entire period is determined by the Terms and Conditions of banking services for individual clients.

Extension of the deposit for a new term

Prolongation, ie extension of the deposit for a new term, is carried out automatically, except for the "Capital" deposit, which does not provide for prolongation. The deposit is extended for the same period for which you issued it, with the interest rate that is valid in the bank on this deposit at the time of extension.

You can refuse the extension during the deposit and for the entire term of the deposit. Refusal to extend or renew the extension is carried out by submitting a written application to the bank branch.

At the time of the introduction of quarantine measures, the bank accepts a written application for prolongation or refusal to extend the deposit, which is sent to the bank's email address bank@ap-bank.com in scanned form. The application is signed by the client himself and must contain data for the identification of the client, as well as information about the bank deposit agreement to which this application relates (number, date of the agreement).

An application for cancellation of the extension or renewal of the extension of the deposit must be submitted to the bank no later than the day before the expiration date of the deposit.

Early termination of the deposit

The possibility of early termination of the deposit agreement and refund is provided by the deposit "Flexible" and "Savings". In case of early termination of the "Flexible" deposit, the amount of interest accrued for the entire period of actual deposit placement is recalculated at the penalty interest rate set by the bank on the date of deposit placement and specified in the Application for opening a deposit account and placing a bank deposit.Early termination of the "Flexible" deposit is allowed if at least two months have passed since the placement of the Deposit. For early termination of the contract and refund, provide a written application to the bank. The funds will be refunded on the day of application.

Return on deposit and accrued interest

On the day of completion or early termination of the deposit, you can receive the deposit amount and accrued interest on your current or card account.