Deposits can be made by both residents and non-residents of Ukraine.

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For Non-Residents::

• A passport (or another document that verifies identity and is recognized by Ukrainian law for conducting transactions within Ukraine).
• Proof of residence or temporary stay in Ukraine.
• Documentation verifying the source of the funds.

You can replenish your deposit in any manner that suits you:

• Through the RB24 mobile app.
• Via regular payments from cards/accounts held at RADABANK.
• At any RADABANK branch throughout Ukraine.

Please be aware that when placing deposits with banks that accrue interest, the deposit income will be subject to taxation. The bank will withhold taxes on each interest accrual in accordance with the Tax Code, with the funds subsequently remitted to the budget.

Clients are offered the option of automatic prolongation of their agreement upon request.

Deposit Prolongation (Autolongation) refers to the automatic extension of the term of a bank deposit agreement upon its expiry. This feature is available by default for certain types of deposits, according to the deposit terms. The deposit amount is subject to prolongation, and the accrued interest is credited to the account specified by the depositor. The new deposit term commences the day after the previous term ends, at the interest rate applicable for that type of deposit at the bank on the start date of the new deposit term.

Conditions for Prolongation:

Prolongation is available if, on the deposit's maturity date, the specific type of deposit and the option for automatic extension are included in the bank's terms and conditions for deposit placement.
If the specific type of deposit does not exist at the bank on the renewal date, the bank will inform the client in writing or via SMS, using the contact details provided in the bank's client database, no later than two calendar days before the deposit term expires. The funds from the deposit account and the account for accrued interest will be transferred to the account designated in the application for joining the "Comprehensive Banking Services Agreement for Individuals" as the deposit return account.

The Client has the right to opt out of the deposit's autolongation at any point during the agreement's term by:

• Submitting a written request to a Bank branch for non-prolongation of the deposit;
• Contacting the Bank's Contact Center;
• Disabling autolongation in the RB24 app.

The extension of the deposit term to a new period occurs without the depositor's presence and without the need to sign any new agreements, applications, or additional agreements.

The Client may request to reactivate previously disabled autolongation of the deposit no later than the day before the deposit's scheduled return by:

• Submitting a written request at a Bank branch to enable autolongation of the deposit;
• Contacting the Bank's Contact Center
• Enabling autolongation in the RB24 app

On the final day of the bank deposit agreement's term, the Client's decision to opt out of prolongation is accepted during the Bank's operating hours, and the payment of the deposit amount and interest is processed on the following operating (business) day. Reactivation of prolongation is also possible during the Bank's operating hours on the penultimate business day of the deposit agreement's term.

In the event of early termination of the agreement, the Client must inform the Bank in writing. The date of submission of the application for early termination is considered the termination date of the agreement. Upon early termination of the deposit agreement, interest is recalculated for the actual duration of the deposit at an annual rate of 0.1% in UAH, 0.01% in USD, EUR, and gold.

RADABANK is a participant in the Deposit Guarantee Fund of Ukraine (Certificate No. 110 dated September 2, 1999, Registration No. 119 in the Fund's Register of Banks).

During martial law in Ukraine and for three months following its termination or cancellation, the Fund compensates each bank depositor the full amount of their deposit, including accrued interest up to the day before the procedure for the bank's market withdrawal begins, except in cases specified by Part Four of Article 26 of the Law of Ukraine "On the System of Guaranteeing Deposits of Individuals."

After three months from the end of martial law in Ukraine, the maximum compensation amount for deposits cannot be less than 600,000 UAH and may be increased by a decision of the Fund's Administrative Board.

• A deposit in precious metals with interest paid at the term's end.
• Accepted in bank metals (gold 999.9 from recognized manufacturers) in bars weighing from 1 to 100 grams, purchased at RADABANK's cashier, without withdrawal from the Bank's cash desk.
• Minimum deposit amount: 50 grams. Maximum amount: unlimited
• Deposit term: 6, 12, 18, 24 months
• Minimum deposit replenishment amount: 5 grams.*
  *Replenishment of the deposit amount is possible throughout the entire term of the agreement
• Accrued interest is paid at the term's end in the national currency at the NBU rate on the transaction date, by transferring to a current/card account in national currency opened at RADABANK and specified by the depositor in the Application for joining the deposit opening.
• The deposit does not allow for early termination of the agreement or partial withdrawal.