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For a Financial Start
A child’s first “grown-up” account for conducting financial transactions at a bank branch
Give your child a confident start in life
The current account “For a Financial Start” offers the opportunity to begin saving in a child’s name from the first days of their life. You manage the account until the child reaches the age of majority, while we ensure reliability and flexible terms. We’ll help you focus on what matters most – the future of those you love.
Start saving for your child’s important goals:
- education in Ukraine or abroad
- fulfilling your child’s dreams (first laptop, a trip, a course in a favourite hobby)
- future financial security
Who can open the account:
- Parents or official representatives of a child aged 0–18
- For minors (ages 0–14) – only a parent or a guardian may open the account
- For juveniles (ages 14–18) – the account may be opened independently with parental consent.
The account is not linked to a payment card, so all transactions require parental or guardian approval
What the account can be used for:
- receiving state benefits, alimony, or inheritance
- safe storage of funds
- accumulating savings for deposit placement
When opening the “For a Financial Start” current account, it is also possible to open a deposit under standard terms.
Documents
How do I order a package?
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OF THE DEPOSIT, INCLUDING INTEREST ACCRUED AS OF THE END OF THE DAY PRECEDING THE DAY WHEN THE BANK STARTED TO BE WITHDRAWN FROM THE MARKET.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.
The consumer has the right, after termination of the agreement, including expiration, termination or execution of such an agreement, to contact the Bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement, including information (certificate) about the absence debt and fulfillment of the consumer’s obligations under the agreement in full, which the Bank provides in the form of a paper or electronic document (at the consumer’s choice) within five business days from the date the financial institution receives such a request.
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.
You may refuse to receive promotional materials by calling the Customer Support Centre (free of charge in Ukraine) at 0 800 30 70 30.