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Accumulative account

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The “Accumulative account” service - the possibility of obtaining additional income and quick management of temporarily free funds.

To the attention of customers:

Below are the terms and conditions of the "Saving account" service.

Annual interest accrued on the balance of funds in the Savings Account in the national currency:

  • For "Family" service packages (and all its options, except R&B): 4%
  • For "Family R&B" service packages: 5%
  • For "Cappuccino" service packages (and all its options, except for online onboarding): 3%
  • For "Cappuccino" service packages (online onboarding): 10%, valid until 1 Aipril 2024 - 8%

Annual interest accrued on the balance of funds in the Savings account, in foreign currency:

  • 0.01% in USD/EUR for "Family" service packages and all its options and "Cappuccino" service package (private);

The minimum amount of funds on the Savings account, on which interest is accrued: none.

Commission for transferring funds using the "Saving account" service in the Pravex Online system: none.

card-pravex

Why you should use the service

Profitably

  • the opportunity to have additional income due to higher interest rates;
  • the ability not to pay a monthly fee for the maintenance of the package of services by placing on the Accumulative account the amount greater than specified in the tariffs (fulfillment of Smart pricing);
  • opportunity to save by avoiding spontaneous expenses (funds are not available for payment card transactions)
  • free transfer from another bank's card to the card in the FAMIGLIA and CAPPUCCINO service package in PRAVEX ONLINE with subsequent transfer to a savings account

Safely

  • security of savings due to limited access to the Accumulative account;

Quick and easy

  • quick access to savings 24/7 in Pravex Online
  • transfer of funds between the Accumulative and card account without commission and without restrictions on the amount with the possibility of setting up regular payments to the Accumulative account

* Accumulative account service is available to a limited number of clients in pilot testing mode

Terms of service:

Interest accrual:

  • accrual and payment of accrued interest on the balance of funds on the Accumulative account is carried out similarly to the procedure of accrual and payment of accrued interest on the balance of funds on the card account. Accrued interest is paid to the Accumulative Account (capitalization of interest) less the amount of personal income tax and military duty at the rate specified in the Tax Code of Ukraine;
  • in case of full or partial transfer of funds from the Accumulative account to the card account, the interest accrued for the period of placement of funds until the moment of transfer is retained;
  • when closing a card account, accrued interest is accrued and paid on the balance of funds on the Accumulative account, while the funds stored on the Accumulative account (together with accrued and paid interest) are transferred to the card account