"Key to Account" card
A card providing access to your company funds on a round-the-clock basis.
To withdraw money from the account, you just need to find an ATM!
- You do not depend on the working schedule of bank branches – you do not need to get cash at the bank.
- Simplified business accounting and reporting to tax office – all cash flows in the card account are recorded on the balance sheet accounts of the company.
- View account statements in 24/7/365 mode at ATMs, self-service terminals, SMS-banking and Privat24.
- Round-the-clock access not only to your personal funds but also to the corporate credit funds.
- You do not need to purchase foreign currency for overseas business travelling – the money in card accounts is automatically converted into foreign currency at PrivatBank exchange rate.
- You do not need to declare funds in card accounts when going abroad.
Key to Account card provides you with the following opportunities:
- carry out any settlements related to your corporate business activity;
- put aside the checkbook and its high tariffs for cash withdrawals;
- pay for purchases abroad and online;
- Cash withdrawal in the territory of Ukraine is free of extra fees.
- Benefit from using Privat24 online banking system, SMS-banking, mobile apps, ATMs and PrivatBank self-service terminals.
Key to Account card types
Instant issue Key to Account card
- You are issued a card free of charge when opening an account.
- Regardless of the operating schedule of the bank branches you can receive new cards delivered to your company address.
- Instant reissue of expired cards.
Key to Account World class card
- A photo of the card holder on the card improves security – third parties will not have the chance to use it.
- Discounts under Discount Club program up to 30% at club partners
- Discounts under MasterCard Business-Bonus program up to 15% for your business.
- LOUNGE programme from MasterCard offers a comfortable journey from MasterCard business hall at Boryspil International Airport Terminal D
- «MasterCard Rewards» bonus programme – get bonuses for any settlements using the card, including online!
- Card servicing at any branch of the bank – without waiting in line!
Save your time!
|Issue and reissue of Instant Issue Card||Free of charge|
|Issue and reissue of World Class Card||UAH 300.00|
|card servicing (monthly fee)||Free of charge|
|Fee for withdrawal of funds in Ukraine||0,75%|
|Fee for own resources withdrawal at any ATM and cash points abroad||2%|
|Fee for own resources withdrawal in compensation of pre-approved limit in Ukraine and at partner banks (in case of active supplemental banking product: salary project, cash-in-transit services, acquiring, agreement for payment acceptance, deposit account)||3%|
|Extra fee for withdrawal of own resources in the amount from UAH 50 thousand to UAH 100 thousand from one card during a day at PrivatBank's ATM (deducted from the amount exceeding UAH 50 thousand)||0,25%|
|Extra fee for withdrawal of own resources in the amount exceeding UAH 100 thousand from one card during a day at PrivatBank's ATM (deducted from the amount exceeding UAH 100 thousand)||1,25%|
|Extra fee for withdrawal of own resources in the amount exceeding UAH 100 thousand from one card without preliminary order (deducted from the amount exceeding UAH 100 thousand)||0,25%|
|Cash withdrawal without card at cash department||UAH 2,00|
|Fee for printing card balance at self-service kiosk||UAH 3,00|
|Printing card balance during ATM cash withdrawal transaction||Free of charge|
|Payment in shops and online||Free of charge|
|Fee for making payments from operating account, business cards and Account Key card on card for payoffs due to inappropriate credits within the salary project||0.25% of the amount|
|Fee for a payment from current account, corporate card account and Key to Account cards to a Privat Deposit account||0,25% of amount|
|Fee for payment made from operating account business cards and Account Key card to Privat deposit||0,75% of amount|
|Card cashless payment||According to tariff for making payments on corporate customers accounts|
|Topping-up of own card at payment kiosks and cash departments||According to tariff for revenue acceptance on customer's account|
|Topping-up of another's person card at payment kiosks and cash departments||According to tariff for payment acceptance from individuals on corporate customers' accounts|
|Penalty for unauthorized draft use or for overdue credit repayment||200%|
|Overdue credit repayment of unauthorized draft||Penalties in the amount of 0,2%, but no more than NBU double interest rate for each day overdue|
|Выпуск и перевыпуск карты||Free of charge (для карт World – при выполнении условий акции «Фейерверк покупок»)|
|Обслуживание карты||Free of charge|
|Оплата в торговых точках||Free of charge|
|Платежи на карты и счета, открытые в ПриватБанке||Free of charge|
|Оплата в торговых точках и Интернете||Free of charge|
|Пополнение карт в терминалах самообслуживания и в кассах банка с наличием карты||Free of charge|
|Комиссия за снятие средств в Украине и в банках-партнерах||0,75%|
|Комиссия за снятие кредитных средств в любых банкоматах и пунктах выдачи наличных Украины и за рубежом (банк не взимает дополнительных комиссий за конвертацию и использует наличный курс на дату совершения покупки)||3%|
|Комиссия за снятие собственных средств за рубежом||2%|
|Платежи на карты и счета, открытые в другом банке Украины||3грн|
|Пополнение карты в кассах банка без наличия карты||0,1%, но не менее 10 грн|
|Дополнительная комиссия за подготовку платежного поручения сотрудником банка в рамках услуги «Платежи по телефону»||5 грн|
|Распечатка в банкомате и терминале самообслуживания чека с балансом карты||1 грн|
|Штраф за использование несанкционированного овердрафта или за несвоевременное погашение кредита||200%|
|Несвоевременное погашение задолженности по несанкционированному овердрафту||Пеня в размере 0,2%, но не выше удвоенной % ставки НБУ за каждый день просрочки|
|Комиссия за проведение платежа с текущего счета, корпоративных карт и карт "Ключ к счету" на карту для выплат, за нецелевое пополнение в рамках зарплатного проекта||0,25% от суммы|
|Комиссия за платеж с текущего счета, корпоративных карт и карт "Ключ к счету" на "Приват вклад"||0,75% от суммы|
|Дополнительная комиссию за снятие наличных в банкоматах ПриватБанка в сумме, привышающий эквивалент 50 000 в календарном месяце||1% от суммы|
All fees are specified excluding VAT and charged in UAH equivalent at the NBU rate as per the date of debiting funds
Frequently asked questions
- What is the cost of reissuing a lost or a damaged card? The "Immediate" card reissue on its expiry, in case of loss or damage is free of charge. The cost of reissuing personalized cards on expiry, on client initiative, in case of loss or damage is UAH 500.00.
- To whom can a Key to Account card be issued? Key to Account cards are issued only to persons having the first financial signature right, i.e. account owners. As regards legal entities: cards are issued only to the top manager having the first financial signature right, while other company officials may not be either issued such cards or be transferred one. As regards private entrepreneurs: cards are issued to the individual being the private entrepreneur and/or to a person holding a notarized power of attorney for bank account management.
How do I find out Key to Account card balance?
You can receive information on the card balance using any of the following convenient methods:
• send an SMS-message* with text ХХХХ (ХХХХ – the last 4 digits of your card number) to phone number 10060;
• at an ATM or a self-service terminal;
• via Privat24;
• by dialling 3700.
* SMS-message cost – according to the tariffs of your mobile operator.
- What is the difference between an instant issue Account Key card and a World Account Key card? World card bears the holder's photo and name. World card holders participate in Discount Club bonus program and LOUNGE program by MasterCard.
- Can a trustee of a private entrepreneur use the Key to Account card, and if yes, what kind of documents are required to this end? Yes, it is admissible. To this end, a trustee needs a notarized power of attorney for current account management.
What is the maximum limit of withdrawing cash from a Key to Account card?
Standard limits for cash withdrawals on Account Key cards are:
- at ATM — UAH 80,000 per day but not more than UAH 20,000 in 3 hours
- at cash counter — UAH 500,000 per day
You can increase standard limit via Privat24 or online chat pb.ua/chat (restriction on withdrawals of UAH 20,000 in 3 hours at ATM cannot be changed).
- Can I use a Key to Account card for online payments? Yes. Paying with Account Key card over the Internet is possible. To do this, open the card for transactions over the Internet via Privat24.
How do I block or unblock a Key to Account card?
You can block or unblock a Key to Account card as follows:
• via Privat24 – go to menu My Accounts/Card Blocking/Unblocking.
• via SMS-banking mobile application or by sending an SMS-banking command.
• by dialling 3700 (free of charge form mobile phones).
• at a PrivatBank ATM by selecting menu Operations with Cards/Extra Services/Block/Unblock Card.
• at any PrivatBank branch.
- Can I use a Key to Account card for withdrawing deposit interest funds? No.
- Can I use a Key to Account card to find out a deposit status? No.