Ukrainians have increased their bank savings: how much money do they have in their accounts?
26 May 06:35
In April 2026, the amount of funds in Ukrainians’ bank accounts rose significantly. Over the course of the month, the total volume of deposits held by individuals, including sole proprietors, increased by 40.1 billion hryvnias.
This was reported by the Deposit Guarantee Fund, according to "Komersant Ukrainian"
How much money do Ukrainians keep in banks
As of May 1, 2026, the total amount of deposits held by individuals in Ukrainian banks was 1,687.3 billion hryvnias. This is 40.1 billion hryvnias more than a month earlier.
The growth occurred in both hryvnia deposits and accounts, as well as in foreign currency deposits.
Of the total amount of funds held by individuals:
- 1,103.8 billion hryvnias — deposits in the national currency;
- 583.5 billion hryvnias — foreign currency deposits.
In April, hryvnia deposits increased by 30.4 billion hryvnia, while foreign currency deposits increased by 9.7 billion hryvnia.
Hryvnia deposits are growing faster
Hryvnia deposits saw the largest growth in April. Their volume increased by over 30 billion UAH and exceeded 1.1 trillion UAH.
This may indicate that citizens’ confidence in the banking system and the national currency remains strong. The trend may also have been influenced by the payment of salaries, pensions, social assistance, and interest on deposits, as well as the increased use of bank accounts for transactions.
At the same time, foreign currency deposits also showed growth. Over the month, they increased by nearly 10 billion hryvnias in hryvnia terms.
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What is the share of sole proprietors in the deposit structure
Individual entrepreneurs also remain an important part of the banking system. As of May 1, 2026, the share of individual entrepreneurs in the depositor structure was 3.2%.
At the same time, their share in the total amount of deposits was significantly higher—11.2%. The total amount of funds held by sole proprietors in banks amounted to 189.8 billion hryvnias.
This means that although entrepreneurs make up a small portion of the total number of depositors, they hold a significant share of funds in their accounts.
Ukrainians’ deposits are fully guaranteed during the war
The Deposit Guarantee Fund for Individuals reminds that during the period of martial law in Ukraine, bank deposits of individuals are covered by a 100% guarantee.
This applies to both ordinary citizens and individual entrepreneurs.
The full guarantee will remain in effect not only during martial law but also for three months after its repeal or termination.
What will be the guaranteed amount after the end of martial law
After the three-month transition period ends, the maximum amount of guaranteed compensation for bank depositors will be 600,000 hryvnias.
In other words, after the full guarantee expires, depositors will be able to count on guaranteed compensation up to this amount in the event of a bank’s insolvency.
All banks are members of the Deposit Guarantee Fund
According to the Deposit Guarantee Fund for Individuals, all 59 banks in Ukraine are members of the Fund.
This means that individuals’ funds in these banks are covered by the deposit guarantee system. For depositors, this is an important factor in financial security, especially amid martial law and economic uncertainty.
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