Amount of interest. With the Mriya Card, you get 11% per annum on daily balances from UAH 100,000, while the average interest rate on time deposits for individuals is less than 10%, and demand deposits and deposits with partial withdrawals offer even lower returns.
Access to funds. With a term deposit, you will receive your funds only after the term of the deposit expires, while the money on the card is always at your fingertips, available to you without any restrictions 24/7.
Withdrawal of funds. In the case of early termination of a deposit that provides for such an option, the interest amount is usually transferred at a penalty rate close to zero, and the interest on the savings card is calculated on daily balances. Even if you withdraw the entire amount for several days, you will still receive the full amount of interest for each day that the money was in the account.
Replenishment. The card can be topped up at any time for any amount, while the amount and number of time deposit top-ups are generally significantly limited.