Ukrainians can earn on government bonds: how to invest 100 dollars without risks.

Even if you have a small amount, you can find a way to make it profitable. Ukrainians are looking for where to invest their first 100 dollars to avoid risks. One option is government bonds (GVB). By purchasing these securities, you are actually helping to finance the state budget and receive interest after their redemption.

More details on how to invest in government bonds can be found on the Diia.Education portal.

Important to know about income from bonds

Bonds are issued by the Ministry of Finance of Ukraine to attract funds to the budget. At the same time, the investor has the right to receive a certain dividend for the borrowed money. The level of income depends on the maturity of the securities.

For example, if you buy bonds for 1000 hryvnias at 15% per annum with payment after 3 years, after 36 months you will receive 1450 hryvnias. The Ministry of Finance issues bonds in hryvnias, US dollars, and euros.

Bonds in the national currency are most interesting for Ukrainians looking for maximum profit, as the interest rates here are the highest. In other currencies, preference is given to those who want to protect their capital from the devaluation of the hryvnia, even if the income will be lower.

In addition, there are military bonds that were introduced due to the attack by Russia. They are intended to finance the needs of the Armed Forces during the war.

'Military bonds can be purchased in hryvnias, US dollars, and euros. This money goes to the purchase of medicines and equipment for our military, as well as for paying doctors, teachers, pensions, and other social benefits.'

— it is reported on the Diia.Education portal.

How to buy bonds

There are several ways, for example, through banks or brokers. In the Diia app, there is the ability to purchase military bonds. PrivatBank was the first bank to offer account opening in securities to its clients back in 2020.

To invest in bonds, you need to:

• log into Privat24;
• select the 'Services' section and go to the 'Securities' menu;
• choose government bonds;
• fill out an application;
• sign it with an electronic signature (Smart ID);
• wait for confirmation.

You can also buy military bonds through the Diia app. For this, you need to authorize, find the 'Services' section, choose the type of securities by the name of the city, and select a bank or broker.

After that, specify the required number of bonds, contact details, and a card to receive the funds. You will just need to send the request, sign the documents, and pay for the purchase.

Other aspects for Ukrainians

We remind you that in 2025, investing in real estate remains a promising type of investment, especially in the rental sector. It is important to consider the format of rental — long-term or short-term.

It is also worth remembering that Ukraine will not accept even for free foreign banknotes with obvious signs of being counterfeit or worn. Unfit for circulation or very old banknotes issued before 1914 are not subject to conversion.

Government bonds are an interesting investment option for Ukrainians of various income levels. They can be a source of stable income in the future, helping to support the country's economy by attracting funds to the state budget and financing various areas of activity. Such investments can be not only profitable for the individual but also beneficial to the entire country, contributing to its economic development.