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)
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
citizen of Ukraine
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
Monthly/capitalisation of accrued interest monthly/at the end of the deposit term
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
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.
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.
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.
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.
Joint-Stock Company "COMINBANK" is a member of the Deposit Guarantee Fund for individuals.
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