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• Deposit sertificates
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  • Deposit sertificates

Deposit sertificates

Certificate of deposit on a bearer – is the special type of deposit, connecting in itself properties of deposit and security. It is the writing testifying of bank to depositing of money facilities, which certifies a right for the owner of certificate or his legal successor on a receipt sums of payment and percents conditioned in a certificate according to law.

Basic advantage of deposit (saving) certificates on bearer of JSC «Expobank» – it is combination of all of advantages of deposit and security with the high degree of defence and practically absolute liquidity, and also invariability of interest rate on all of term of action. An interest rate is fixed in a certificate and could not be changed.

Certificates of JSC «Expobank» is of different types: percent, on a bearer, in national and foreign currencies.

On a bearer - means a free appeal (it can be sold or given as a present). The nominal value of one certificate is determined by a buyer at acquisition of certificate (must be multiple 100 UAH). Certificates on a bearer can be placed only for the period longer than 30 days.

Ø      use as an article of purchase-sale, grant, etc..

Ø      possibility of the using as a liquid mortgage or instrument of payment;

Ø      receiving of percents at the end of the term (by guaranteed permanent interest rate)

Ø      a profit is paid at redemption of certificates.

Monetary funds on the certificate of deposit are paid by the bank to a client, who shows a certificate for payment, that in a difference from the carrying out of this operation on a deposit, does not require additional registration of warrant (bank or notarial).

A certificate of deposit on a bearer is a security, therefore a blank of deposit has all the necessary degrees of defense and is produced in the specialized printing-houses, which have the proper licenses.

Percent rates of deposit certificates are invidual and are based on indicative rates, approved by the Bank, and depend on  sum and term of certificate.

 

For more information please call us at (044) 502-30-06

 

F.A.Q.

• Why do I need current/card account while opening deposit account?

  This instrument was developed for your convenience and will be applied only at your pleasure. First of all, the opening of current/card acoount in this case is free of charge. Secondly the deposit interest may be automatically transferred to your current/card account.

  Advantages:

  • Cashing via cash machines;
  • Using card for goods and services payments;
  • Free of charge cashing via bank cash desk;
• How long will it take me to open a deposit account?

  If you already have current/card/deposit account in our Bank it will take you 10 minutes. If you applied to our Bank for the first time it will take you 15 minutes providing all the necessary documents submitted.

• How much will it cost me?

  Opening the deposit account and it maintenance is free of charge.

• May the third person dispose my account?

  In case he/she has a power of attorney executed in the Bank or notary public

• Does your bank participate in Individual Deposit Guarantee Fund and what is the amount of the guarantee?

  EXPOBANK is a constant member of Individual Deposit Guarantee Fund. The guarantee amounts 150 000 UAH.

• How can I credit money to my deposit account?

  You can credit your deposit account via bank cash desk or your current/card account/

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