MTB Bank review
Updated September 29, 2026 · VaultCue Editorial Team · Facts checked September 29, 2026
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Our verdict
MTB Bank suits savers who want a fixed term with monthly payouts and can leave funds untouched until maturity. Rates of 6% to 16.8% across terms of 1 to 12 through MTB BANK PJSC under oversight from National Bank of Ukraine.
Key facts
- Best for
- Fixed term savings with monthly payouts
- Headline rate
- 6% to 16.8%↗
- Rate type
- Fixed↗
- Term
- 1 to 12 months↗
- Minimum deposit
- UAH 2,000↗
- Access terms
- Monthly payout, no top-up or withdrawal, repayable at term↗
- Monthly fee
- UAH 0↗
- Account kind
- Fixed↗
- Regulators
- National Bank of Ukraine↗
- Legal entity
- MTB BANK PJSC↗
- Headquarters
- Ukraine↗
- Founded
- 1993↗
- Support channels
- Phone, Chat, Help-centre↗
- Pricing model
- Fixed rate
- Official website
- mtb.ua
Facts checked September 29, 2026, 5 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
Pros
- Fixed structure of fixed with rates of 6% to 16.8%
- Upkeep stays free with monthly fee of UAH 0
- Choice of terms of 1 to 12 with monthly payouts
- Help across phone, chat and help centre for account queries
Cons
- Entry calls for minimum deposit of UAH 2,000
- Funds remain committed across terms of 1 to 12 until maturity
- Support runs on phone, chat and help centre only
Who it suits
- Savers planning to leave a lump sum untouched until term end
- Holders seeking monthly payouts on a fixed rate
- Savers comfortable meeting minimum deposit of UAH 2,000
Who should look elsewhere
- Savers wanting flexible access rather than funds held until term end
- eToro for interest on flexible balance with rate of 3.8% rather than locked savings
Fees and currency costs
The account keeps day to day costs low while setting a clear entry point for savers. Minimum deposit of UAH 2,000 applies at opening, so planned funds should meet that level. Monthly fee of UAH 0 keeps upkeep free during the term. Together, these points suit lump sums placed for a set period with monthly payouts and repayment at maturity.
How MTB Bank compares
9.0 vs 8.6
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9.0 vs 8.0
9.0 vs 8.9eToro pays interest on balance with rate of 3.8% for flexible funds rather than a locked term.
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9.0 vs 9.1
9.0 vs 8.9
9.0 vs 8.7- 9.0 vs 8.0
9.0 vs 9.0
9.0 vs 8.1
9.0 vs 8.7
9.0 vs 8.0
9.0 vs 9.5
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9.0 vs 9.3
9.0 vs 9.2
9.0 vs 9.0
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9.0 vs 8.5
9.0 vs 8.5
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9.0 vs 8.3
9.0 vs 9.0
Where MTB Bank is available
- Available
- Ukraine
- Licence in Ukraine
- National Bank of Ukraine, checked September 29, 2026
Countries from the brand (Source, checked September 29, 2026)
Frequently asked questions
What rate does MTB Bank pay on savings?+
MTB Bank pays rates of 6% to 16.8% on its fixed deposit. The rate stays fixed for the chosen term, with interest paid each month. The exact rate depends on term length and deposit conditions.
Is MTB Bank regulated?+
MTB Bank operates as MTB BANK PJSC under oversight from National Bank of Ukraine. The legal entity behind the account is MTB BANK PJSC. That bank supervision covers authorisation and conduct for deposit taking in its home market.
What is the minimum deposit?+
Opening calls for minimum deposit of UAH 2,000. Funds below that level cannot start the fixed deposit. Savers should place a lump sum that meets the threshold and can stay invested.
Does MTB Bank charge a monthly fee?+
Day to day upkeep is free, with monthly fee of UAH 0. There are no ongoing charges eating into interest during the term. Costs beyond the account itself may still apply through payment providers.
How long must money stay in the account?+
Terms run 1 to 12, with funds held until maturity. Interest arrives monthly while principal is repaid when the term ends. Top ups and early withdrawals are restricted, so timing matters before committing.
How can customers contact MTB Bank?+
Help is available through phone, chat and help centre. Savers can call, use chat, or browse self help material for account queries. The mix suits routine questions on rates, terms and payments.
What type of savings account is this?+
The product is a fixed account of type fixed using model fixed rate. It suits money set aside for a set period rather than instant access. Savers seeking flexible withdrawals should consider other structures.
Sources
- bank.gov.ua/files/Licences_bank/328168.pdf checked September 29, 2026
Backs: Regulators, Licences
- mtb.ua checked September 29, 2026
Backs: Support channels
“0 800 500-255, FAQ, Telegram support bot”
- mtb.ua/personal/deposits/item/srocnyj checked September 29, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type, Term
“Strokovyi: interest monthly, no top-up, no withdrawal, repayment after term”
- mtb.ua/en/credits/get checked September 28, 2026
Backs: Headquarters, Legal entity
“Address: Ukraine, Odessa region, City of Chornomorsk”
- mtb.ua/en/history checked September 28, 2026
Backs: Founded
“MARFIN BANK, established on November 5, 1993”
Compiled from 5 source pages, checked September 29, 2026. We did not open an account.
Not confirmed yet: Deposit protection.