Loyalty programme

Online application

Dear customer,

We will be happy to answer all your questions regarding the proposed service in any way convenient for you.

In addition to online ordering, you can visit our branches or call the Contact Center (Calls according to the tariffs of your operator):

0 800 501 200 (around the clock)

Product Terms

  • Deposit type Term deposit
  • Currency Hryvnia
  • Minimum amount 1000 грн
  • Interest rate UAH 15,75% p.a. -17,25% p.a.
  • Interest payment Monthly/monthly capitalisation/at the end of the term
  • Possibility of early deposit return ні
  • Interest rate at early termination of the deposit No
  • Partial deposit refund No
  • Top up possible
  • Deposit prolongation Yes
  • Deposit loyalty programme Cannot be combined with other surcharges/bonuses and does not participate in promotional offers
  • Deposit term: from 3 to 40 months

About the service

The loyalty programme of +1% per annum in national currency is valid for servicemen and women who serve in the Armed Forces of Ukraine (regular or contractual) or in other military formations (volunteers of the Territorial Defence Forces / volunteers of the territorial community volunteer formation, etc), persons who became disabled as a result of a disease related to military service or as a result of a disease after their discharge from military service related to military service, and family members (spouses, children, parents) of servicemen.

The documents that give the right to receive this loyalty are: a military ID card with the relevant marks; a contract; an extract from an order or a certificate of enrolment in the military unit issued by the military unit; a certificate of service/stay/enlistment, an extract from an order; a war veteran's certificate/combatant's certificate; a certificate of enlistment for military service; etc.

Family ties are confirmed on the basis of a birth certificate, marriage certificate


To make a deposit, you must provide:

Passport of
citizen of Ukraine

Taxpayer
Identification Number



Payment of interest
Currency
Term, months
Deposit amount,
Deposit amount, in months
Calculation result*
Deposit amount
Period, month
Rate, per annum
%

Profit per month
(after taxation)
Total profit
(after taxation)
Read more
  • deposit amount:  
  • income tax:  
  • military tax:  
  • total taxes:  
  • projected income on the deposit before taxation:  
  • annual interest rate on the deposit after taxation: %

There is no payment for additional and related services of the bank, the receipt of which is necessary for the conclusion of a bank deposit agreement: opening a current account and other services (if any), UAH

*the amounts indicated in the calculation results are for reference purposes only

For the calculation, it is assumed that there are always 365 days in a year. For the calculation, it is assumed that there are always 30.4166 days in a month. Regardless of the date of receipt of funds for the deposit / top-up, interest is calculated for a full month (30.4166 days). Interest is accrued from the day following the day of receipt of the deposit/amount of deposit top-up to the day preceding the day of deposit maturity. Interest on the amount of deposit top-up is always accrued from the second month of the deposit term. When calculating interest for capitalised deposits, the day of crediting interest to the deposit is taken into account. The calculation is always made at the bank's current rate for the selected type of deposit. All calculations are rounded to the nearest hundredth.

Accommodation conditions

Main terms and conditions of a bank deposit

The period during which the client must place the amount of funds on the deposit from the date of conclusion of the agreement, days

 On the day of the agreement conclusion

Terms of withdrawal (partial withdrawal) of the deposit during the term of the bank deposit agreement

 Not applicable

Terms of top-up of the deposit during the term of the bank deposit agreement

Top-up of the deposit "Maximum income with top-up" is allowed during the term of validity/ each extension of the agreement, but not later than 30 days before the expiration date of the agreement. The maximum amount of total top-up (increase) of the deposit during the term of validity/ each extension of the agreement is not more than double the amount of the initial deposit (the amount of the deposit as of the date of the agreement, and subsequently - the amount of the deposit as of the date of each extension of the agreement)

Top-up of the deposit "Maximum income" is not provided

The procedure for returning the deposit

The deposit is repaid upon maturity by transferring the corresponding amount of funds to the current account/current account using a payment card opened in the name of the depositor in the bank

Payment of interest on the deposit

Monthly/capitalisation of accrued interest monthly/at the end of the deposit term
Accrued interest is paid to the Depositor monthly, from the first to the fifth business day of the month and/or on the day of return of the deposit amount upon maturity of the deposit simultaneously with the return of the deposit amount by crediting to the current account/current account using a payment card

The procedure for calculating interest on the amount of the deposit

Interest on the deposit is accrued from the day following the day of receipt of the deposit by the Bank / the day of crediting additional contributions to the deposit until the day preceding its return or debiting from the Account on other grounds

 

 

Rules for banking services for individuals


Warning

 

 

Warning of possible consequences for the Client when placing a deposit,
which is eligible for loyalty for military personnel (hereinafter referred to as the Deposit).

1.Possible consequences for the Client in case of using the banking service or failure to fulfil obligations under the agreement on the provision of this banking service:

Early repayment of the Deposit amount or part thereof at the initiative of the Client is not allowed.

Interest (income) accrued on the Deposit is subject to taxation. The Bank shall act as the Client's tax agent for taxation of the Client's income received under the Bank Deposit Agreement solely on the terms and in the manner prescribed by the current legislation of Ukraine on personal income taxation.

The Bank and the Client shall be liable for non-fulfilment or improper fulfilment of obligations under the Bank Deposit Agreement in accordance with the terms of the Bank Deposit Agreement and the requirements of the current legislation of Ukraine.

2.Possible consequences for the Client in case of his/her untimely application to the Bank for the return of funds attracted under the Bank Deposit Agreement:

The terms of the Deposit provide for automatic extension of the Deposit term, which is carried out on the day of maturity of the Deposit, provided that the Depositor has not cancelled the extension by means of the CIB-Online Internet banking system, or by calling the Contact Centre, or by submitting a relevant application to the Bank's branch. The automatic extension is carried out for the term for which the Deposit was placed at the rate effective as of the date of such extension. The automatic extension of the Deposit does not require the conclusion of any additional agreement.

In case of cancellation of the automatic extension of the Deposit by the Client, the amount of the Deposit shall be returned to the Client's current account specified in the Bank Deposit Agreement.

3.The Bank is prohibited from requiring the Client to purchase any goods or services from the Bank or a related or affiliated person as a prerequisite for the provision of these services (except for the provision of a package of banking services).

The accompanying service of the Bank required for the conclusion of the Bank Deposit Agreement is the opening of a current account, which is provided free of charge.

4.The Bank shall not be entitled to unilaterally amend the agreements concluded with the Clients, unless otherwise provided by the agreement or the law.

The Bank has the right to amend the Rules for Providing Payment and Other Services to Individuals in JSC "COMINBANK" and notify the Clients by posting information on the amendments on information stands located at the Bank's premises and on the official website of the Bank.

Changes in the interest rates and the term of the Deposit in case of automatic prolongation are not unilateral changes in the interest rates, but are bilateral expressions of the parties' will.

5.The Client may refuse to receive advertising materials via remote electronic service channels by calling the Contact Centre.

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Documents

Archive of documents and tariffs


Frequently asked questions

Is interest accrued on the deposit taxed?

Thus, interest accrued on deposits is taxed regardless of the amount and currency of the deposit. Starting from 01.01.2016, the personal income tax rate is valid. It is 18% and an additional 1.5% of the military fee is paid. Please note that only accrued interest is taxed, not the entire deposit amount.

When is interest paid on the deposit?
  • monthly, from the first to the fifth business day of the month following the month in which the interest is accrued, as well as on the day of extension of the Deposit term or simultaneously with the return of the Deposit amount upon maturity of the Deposit - by crediting to the current account/current account using the Depositor's payment card;
  • simultaneously with the return of the Deposit amount upon maturity of the Deposit or on the day of extension of the Deposit term - by crediting to the current account/current account using the Depositor's payment card;
  • monthly, from the first to the fifth business day of the month following the month in which the interest is accrued, as well as on the day of return of the Deposit amount upon maturity of the Deposit by transferring the relevant amount to the Deposit account (capitalisation of interest), which leads to an increase in the Deposit amount by the amount of accrued interest.
 
Is it possible to terminate the deposit early?

Early termination of the deposit is possible if it was stipulated by the terms of the deposit. For example, the "Maximum income" deposit does not provide for the right to early termination, and the "Optimal" deposit provides for the right to early termination.

How is the automatic renewal of a deposit carried out?

All deposits are set to automatic renewal or auto-renewal mode by default. If you do not apply to the bank to withdraw the automatic renewal mode, the deposit validity period will be extended for the same period for which the deposit was opened, using the interest rates that will be valid at the time of renewal. If the loyalty program provides additional bonuses, they will be applied automatically. You can remove the auto-renewal mode either by contacting a bank outlet or independently in the CIB-online Internet Banking System.

How do I change the prolongation conditions?

You can cancel the deposit prolongation by:

- submission of an application to a bank outlet during the period of validity of the bank deposit agreement, no later than the end of the business day of the relevant bank outlet;

- by contacting the Contact Center by phone during the period of validity of the bank deposit agreement, no later than the end of the transaction day of the relevant outlet of the Bank;

- using the CIB-Online system no later than the business day preceding the expiration date of the Deposit.

The deposit may be renewed by submitting a written request no later than the end of the transaction day of the relevant outlet of the Bank.

Is COMINBANK JSC a member of the deposit guarantee fund?

Joint-Stock Company "COMINBANK" is a member of the Deposit Guarantee Fund for individuals.

Certificate of participation in the Deposit Guarantee Fund No. 106 dated November 06, 2012.

The maximum amount of deposit reimbursement is set in accordance with Article 26 of the Law of Ukraine "On the Individual Deposit Guarantee System" and is as follows:

During the period of martial law in Ukraine and three months from the date of termination or cancellation of martial law in Ukraine, the Deposit Guarantee Fund of Individuals (the Fund) reimburses each bank depositor in the full amount of the deposit, including interest accrued as of the end of the day preceding the day of the start of the bank's withdrawal from the market, except as provided for in part four of Article 26 of the Law of Ukraine "On the Individual Deposit Guarantee System".

Three months after the day following the day of termination or abolition of martial law in Ukraine, introduced by the Decree of the President of Ukraine "On the introduction of martial law in Ukraine" dated February 24, 2022 N 64/2022, approved by the Law of Ukraine "On Approval of the Decree of the President of Ukraine "On the introduction of martial law in Ukraine" dated February 24, 2022 N 2102-IX, the amount of the maximum amount of reimbursement of funds on deposits may not be less than UAH 600 thousand

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