System of the Deposit Guarantee

Deposit Guarantee Fund for Individuals

Please kindly be advised that JSC “Deutsche Bank DBU” (Bank) operates only as corporate bank in Ukraine and does not offer or provide any banking or finance services and/or products to individuals (including, Ukrainian and foreign nationals and/or Ukrainian and foreign individual entrepreneurs), including opening and/or maintenance of bank accounts and/or issue of payment cards and/or opening and/or maintenance of accounts opened abroad and/or opening of bank deposits.

Please be informed that in accordance with the requirements of the Ukrainian legislation, to each depositor (an individual and/or individual entrepreneur) of the Bank, the Deposit Guarantee Fund for Individuals (Deposit Guarantee Fund) guarantees the reimbursement of his/her deposit. Each depositor is reimbursed in the amount of the deposit (including interest) as of the end of the day preceding the day on which the Deposit Guarantee Fund initiates the withdrawal of the insolvent bank from the market, but not more than the maximum deposit reimbursement amount established for that day, regardless of the number of deposits in one bank.

In the event that the National Bank of Ukraine makes a decision to revoke the banking license and liquidate the bank on the grounds specified in the second part of Article 77 of the Law of Ukraine "On Banks and Banking Activities", every depositor is guaranteed reimbursement of deposits (including interest) at the end of the day preceding the day of the initiation of the bank liquidation, but not more than the maximum deposit reimbursement amount established for that day, regardless of the number of deposits in one bank.

Following three months from the day following the termination or cancellation 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 No. 64/2022, approved by the Law of Ukraine "On the Approval of the Decree of the President of Ukraine "On the introduction of martial law in Ukraine" dated February 24, 2022 No. 2102-IX (martial law in Ukraine), the maximum deposit reimbursement amount shall not be less than UAH 600,000.

During the period of martial law in Ukraine and three months from the day of termination or cancellation of martial law in Ukraine, the Deposit Guarantee Fund reimburses each depositor of the bank in the full amount of the deposit, including interest accrued as of the end of the day preceding the day of the initiation of the withdrawal of the bank from the market (except in cases provided for by the fourth part of Article 26 of the Law of Ukraine "On the System of Guaranteeing Deposits of Individuals").

In accordance with the fourth part of Article 26 of the Law of Ukraine "On the System of Guaranteeing Deposits of Individuals", the following funds are not reimbursed:

  • transferred to the bank in trust management;
  • under a deposit in the amount less than UAH 10;
  • placed on deposit with the bank by a person who is a person related to the bank or was such a person during the year before the day when the National Bank of Ukraine made a decision to classify such a bank as insolvent or until the day when the National Bank of Ukraine adopted a decision to revoke the banking license and liquidate the bank on the grounds specified by the second part of Article 77 of the Law of Ukraine "On Banks and Banking Activities";
  • placed on deposit with the bank by a person who provided professional services to the bank as an auditor, appraiser, provided that one year has not passed from the date of termination of services to the date of adoption by the National Bank of Ukraine of the decision to classify such a bank as insolvent (in the case of adoption by the National Bank Ukraine of a decision to revoke the banking license and liquidate the bank on the grounds specified in the second part of Article 77 of the Law of Ukraine "On Banks and Banking Activities", one year before the date of such decision);
  • placed on deposit by the owner of a significant stake in the bank;
  • under deposits in the bank, for which depositors on an individual basis receive interest from the bank under contracts concluded on terms that are not current market terms in accordance with Article 52 of the Law of Ukraine "On Banks and Banking Activities", or have other financial privileges from the bank;
  • under a deposit in a bank, if such a deposit secures the fulfillment of another obligation to this bank, in the full amount of the deposit until the day of fulfillment of the obligations;
  • under deposits in branches of foreign banks;
  • under deposits in bank metals;
  • placed on accounts that are under arrest by court decision;
  • under a deposit, the fulfillment of obligations under which has been suspended in accordance with the Law of Ukraine "On prevention and counteraction of legalization (laundering) of proceeds obtained through crime, financing of terrorism and financing of the proliferation of weapons of mass destruction";
  • placed on deposit in a bank by a person to whom sanctions are applied by foreign states (except for states that have carried out or are carrying out armed aggression against Ukraine within the meaning of the Law of Ukraine "On the Defense of Ukraine") or by intergovernmental associations or international organizations and/or sanctions are applied in accordance with the Law of Ukraine "On Sanctions".

You can receive additional information by calling the Deposit Guarantee Fund's Hotline:

Hotline of the Deposit Guarantee Fund: 0-800-105-800* (free of charge from landline and mobile phones within Ukraine), 044-333-36-55

(*according to the tariffs of the communication operator)

Address of the Deposit Guarantee Fund: 17 Sichovykh Striltsiv St., Kyiv 04053, Ukraine

Website of the Deposit Guarantee Fund: www.fg.gov.ua

Email of the Deposit Guarantee Fund: fgvfo@fg.gov.ua

Below we publish certain documents and information related to the Bank’s participation in the Deposit Guarantee Fund and the information which relates to the system on the deposit guarantee established in Ukraine:

  1. Scan copy of the Deposit Guarantee Fund Certificate of the Bank
  2. Template of a Certificate on the System of Deposit Guarantee for Individuals
  3. Law of Ukraine “On the Deposit Guarantee System for Individuals” - https://zakon.rada.gov.ua/laws/show/4452-17#Text
  4. Link to the official web-site of the Deposit Guarantee Fund, section “Depositors rights protection” - https://www.fg.gov.ua/zakhist-prav-vkladnikiv
  5. Link to the official web-site of the Deposit Guarantee Fund, section “For depositors” - https://www.fg.gov.ua/articles/41406-vkladnikam.html
  6. Link to the official web-site of the Deposit Guarantee Fund, section “Funds that are guaranteed by the Deposit Guarantee Fund” - https://www.fg.gov.ua/articles/19-koshti-shcho-garantuyutsya-fondom.html
  7. Link to the official web-site of the Deposit Guarantee Fund, section “Funds that the Deposit Guarantee Fund does not reimburse” - https://www.fg.gov.ua/articles/18-koshti-yaki-fond-ne-vidshkodovuye.html
  8. Link to an information brochure of the Deposit Guarantee Fund - https://www.fg.gov.ua/storage/files/dgf-nasha-garantiya-vash-finansovij-spokij-13042022.pdf

At the same time, considering that the Bank operates only as corporate bank in Ukraine and it does not offer or provide any banking or finance services and/or products to individuals (including, Ukrainian and foreign nationals and/or Ukrainian and foreign individual entrepreneurs), the Bank did not develop, has no intention to develop and has no: (i) terms of the accession agreements, other public agreements for individuals (related to the execution of agreements); (ii) prices of banking services, interest rates and tariffs of the Bank for individuals (related to the execution of agreements); (iii) promotional offers (loyalty programs) for individual depositors/potential individual depositors, conditions of their application and term of their validity; and/or (iv) templates of agreements with individuals for each type of bank account and bank deposit for individuals.


Finally, to raise the level of financial awareness of citizens, the Deposit Guarantee Fund initiated the creation of the following videos on the functioning of the System on the Deposit Guarantee:

https://youtu.be/G_Snb1f9AcA – «Ruslana about savings»

https://youtu.be/4Lv1aPlAZps – «Your deposits with a bank are secured»

https://youtu.be/yzwRIYe78GI – «Pensions, wages and student allowances with a bank are secured»