Potential risks for the client in using deposits/current accounts of individuals
Increase in the amount of personal income tax and military tax on income received from deposit operations.
Effective 13 April 2022, the day of entry into force of the Law of Ukraine “On Amending Certain Laws of Ukraine on Ensuring the Stability of the Individual Deposit Guarantee System”, DURING THE MARTIAL LAW IN UKRAINE AND THREE MONTHS FROM THE DAY OF ITS TERMINATION OR CANCELLATION, THE FUND WILL COMPENSATE EACH DEPOSITOR OF THE BANK FOR THE FULL AMOUNT OF THE DEPOSIT, INCLUDING INTEREST ACCRUED AS OF THE END OF THE DAY PRECEDING THE DAY WHEN THE BANK STARTED TO BE WITHDRAWN FROM THE MARKET.
After the end of a three-month period from the day of termination or cancellation of martial law in Ukraine, the fund will guarantee compensation in the amount of the deposit, including interest accrued as of the end of the day preceding the day when the fund started to withdraw the bank from the market, but not more than 600 thousand Ukrainian hryvnias, regardless of the number of accounts opened with one bank.
In case of untimely application of the client to the bank for the return of funds attracted under the bank deposit agreement(deposit), the amount of the deposit with accrued interest will be paid to the account specified in the deposit agreement, unless otherwise provided by the agreement.
The bank is not allowed to require customers to purchase any goods or services from the bank or its affiliates or partners as a mandatory condition for the provision of these services (except for the banking package).
The bank has no right to unilaterally make changes to agreements concluded with customers, unless otherwise provided by the agreement or the law.
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