As of August 1, 2025, the total volume of individual deposits, including those from individual entrepreneurs (IEs), in the banking sector of Ukraine reached 1.482 trillion UAH. The lion’s share of these funds is held in state banks, and the leading currency for saving remains the hryvnia. The amount of deposits in the national currency is 959.7 billion UAH.
This is reported by Finway
Structure of Deposits and Distribution of Depositors
According to the Deposit Guarantee Fund (DGF), a significant portion of deposits is held in hryvnias, while Ukrainian depositors hold the equivalent of 522.9 billion UAH in foreign currency. Individual entrepreneurs play a special role in the structure of bank clients.
“The share of IEs in the structure of depositors as of August 1, 2025, was 3.2%, while in the structure of the total amount of deposits it was 11.3%. Their total deposits amounted to 167.7 billion UAH”
The largest number of depositors (56.99%) hold amounts ranging from 10 to 200 thousand hryvnias in their accounts. At the same time, many Ukrainians have very small deposits — up to 10 UAH, accounting for 41.09% of the total number of clients. Only 0.58% of depositors hold amounts exceeding 600 thousand hryvnias, while 0.97% of clients have deposits ranging from 200,000 to 400,000 UAH.
Duration and Types of Deposits
The majority of deposits — 70.1% — are so-called demand deposits, meaning they can be withdrawn at any time without prior notice to the bank. Only 0.82% of deposits have a term of more than one year, indicating depositors’ caution regarding long-term financial commitments.
In terms of distribution by type of bank, 61.4% of Ukrainians choose institutions with a state share. Private banks are trusted by 20.9% of depositors, while 17.7% prefer financial institutions owned by foreign groups.