As of 1 October 2026 the total amount of deposits of individuals in banks of Ukraine stood at 1,779.6 billion UAH, which is 19.4 billion UAH more than a month earlier and almost 162 billion UAH more than on 1 January, — Deposit Guarantee Fund.
Structure by depositor type and share of individual entrepreneurs (FOP)
Of the total amount of deposits of individuals as of 1 October 2026 the share of individual entrepreneurs (FOP) in the structure of depositors is 3.2%, and in the structure of deposit amounts — 11.7%. The amount of deposits of FOP rose to 207.4 billion UAH.
The real value of funds held in accounts depends not only on the interest rate but also on commissions, insurance conditions and provisions on early withdrawal or termination of the deposit. These factors affect the effective return on deposits for customers.
Distribution of deposits by size
As of 1 October 2026 the distribution of deposits of individuals by size is as follows. Shares are shown as percentages of the total deposit amount.
- from 10 to 200,000 UAH — 25.88%
- from 200,000 to 600,000 UAH — 20.74%
- from 600,000 to 1,000,000 UAH — 10.57%
- from 1,000,000 to 2,000,000 UAH — 12.89%
- from 2,000,000 to 4,000,000 UAH — 10.54%
- from 4,000,000 to 5,000,000 UAH — 2.82%
- over 5,000,000 UAH — 16.56%
The breakdown of deposits by maturity as of 1 October 2026 is: on‑demand deposits — 71.22%, term deposits — 28.8%. Of term deposits: up to 3 months — 17.34%, from 3 to 6 months — 6.97%, from 6 months to a year — 3.80%, more than a year — 0.69%.
