Financing

Loans to finance working capital

PrivatBank is a participant of the Affordable Loans of 5-7-9% state programme.

Product/Parameter Value
LUB (Loans to Ukrainian Business), AgriLUB, TourLUB
Rate 1.6% per month of the loan amount – for the first 6 months;
1.4% per month of the loan amount – for the next 6 months
Effective interest rate 34.46%
LUB (Loans to Ukrainian Business), secured
Rate 14% per annum
One-time fee 1% of the loan amount
LUB (Loans to Ukrainian Business), discounted
Rate Depending on the terms of the bank's partner
Entrepreneurial credit limit
Rate 2.125% per month, 25.5% per annum
Monthly fee (debited every 1st day of the month) 0.3% of the amount of the maximum debt in the previous calendar month (for the period from May 25th, 2020 to December 31st, 2020).
From January 1st, 2021 – 0.5% fee.
Fee for transferring funds within the credit limit from the client's current account to any accounts held by the current account holder themselves, or to any cards (with the exception of salary crediting to PrivatBank salary cards), as well as for the repayment of any loans 4%
Credit limit on the account
Monthly fee (debited every 1st day of the month) 0.3% of the amount of the maximum debt in the previous calendar month (for the period from May 25th, 2020 to December 31st, 2020).
From January 1st, 2021 – 0.5% fee.
There is a signed guarantee agreement There is no signed guarantee agreement
Rate 16.5% 34%
Overdue rate (from the 31st day of using the credit limit) 33% 68%
Fee for transferring funds within the credit limit from the client's current account to any accounts held by the current account holder themselves, or to any cards (with the exception of salary crediting to PrivatBank salary cards), as well as for the repayment of any loans 3%
Guaranteed payments – a loan at 4% per annum
For the receiver Free
For the payer
Fee when paying at the expense of the bank 4% per annum (min UAH 5.00)* * Calculated from the date of payment initiation to the date of payment execution.
Payment with the client's funds** Free ** When making a payment with your own funds, the payment is debited from the current account on the day the guaranteed payment is created.
When making a payment with credit funds 13% per annum
In case of non-payment within 30 days 26% per annum and penalties
The loan is granted on individual terms A one-time fee is paid in the amount of 0.25 to 1% of the amount of funding received
Revolving credit line
Rate 90 days: UAH – 13%; EUR – 4.5%; USD – 5.5%;
180 days: UAH – 14%; EUR – 5%; USD – 6%;
270 days: UAH – 15%; EUR – 5.5%; USD – 6.5%
One-time fee 1% of the loan amount (UAH);
0.5% of the loan amount (EUR, USD)
Agriseason credit line
Rate From 10.5% per annum – for corporate business clients;
13% per annum – for SME clients
Fee From 0.25 to 0.5% of the financing amount – for corporate business clients;
1% (one-time) from the amount of financing – for SME clients
Loan secured by a deposit
Rate ● +2% to the deposit rate (credit and deposit in UAH);
● +3% to the deposit rate (loan and deposit in EUR/USD);
● from 10% per annum without additional fees (loan in UAH, deposit in EUR/ USD) – for corporate business clients;
● 10.5% per annum (loan in UAH, deposit in EUR/USD) for SME clients
Show all

Capital investment loans

Product/Parameter Value
Investment loan (non-revolving credit line up to 5 years)
Rate 13%
One-time fee 1% of the loan amount
Loan for the purchase of fixed assets, including agricultural machinery
Rate 13%
One-time fee 1% of the loan amount
Insurance annually according to the tariffs of the insurance company accredited by the bank
Business mortgage
Rate 13% per annum
One-time fee 1% of the loan amount
Insurance annually according to the tariffs of the insurance company accredited by the bank
'Warm' loans for condominium associations and household co-operatives
Rate up to 15.5% per annum
Features receiving compensation for part of the loan from the state – up to 40% of the loan cost (if there are subsidy recipients – 40–70%)
Additional terms
Insurance of the pledged property According to the rates of the bank's insurance partner companies
Show all

Leasing tariffs for SME and entrepreneurs

These conditions are valid for the registration of new transactions and are not the valid for revision of the terms of the concluded contracts.

Parameter Value
Basic interest rate on leasing programmes (% per annum) 11%
One-time fee for providing financing (% of the financing amount) 0,5%
The interest rate can be reduced under the existing partner programmes with suppliers of leased assets.

Additional expenses of the leasing recipient for processing the transaction

The prices are indicative. The final amount of expenses depends on the parameters of the leased assets and the tariffs of the partner companies.

Parameter Value
Insurance of the leasing object (% of the cost, annually)
Light vehicles from 4.45% per year
Commercial vehicles from 1.77% per year
Trailers/semi-trailers from 0.98% per year
Agricultural machinery from 0.38% per year
Special equipment from 0.6% per year
Registration with state bodies (one-time registration)
Agricultural machinery UAH 3,000.00
Vehicles UAH 1,500.00
Pension Fund duty (for light vehicles)
Cost up to UAH 346,830.00 3% of the price without VAT
Cost of UAH 346,831.00–609,580.00 4% of the price without VAT
Cost of UAH 609,581.00+ 4% of the price without VAT
Installing GPS trackers
(for light and commercial vehicles up to 3.5 tons)
Tracker cost + installation UAH 1,500.00 for 1 car
Assessment of the leased asset (one-time, indicative cost per unit)
Production equipment/td> UAH 1,925.00
Light vehicle UAH 1,540.00
Commercial vehicles UAH 1,925.00
Buses and minibuses UAH 1,925.00
Railway transport UAH 2,090.00
Agricultural machinery (self-propelled) UAH 1,925.00
Special equipment UAH 1,925.00
Show all

Tariffs for transactions with guarantees in UAH for entrepreneurs

Type of service Tariff
Provision of a guarantee/counter-guarantee (except for the unsecured tender guarantee and the unsecured guarantee for travel agents) 0.2% of the amount of the guarantee/counter-guarantee (but not less than UAH 1,000.00 and no more than UAH 10,000.00)
Provision of an unsecured tender guarantee - UAH 1,700.00 (for a guarantee of up to UAH 75,000.00 included);
- UAH 2,500.00 (for a guarantee of UAH 75,000.00–150,000.00 included);
- 2% of the guarantee amount (for a guarantee in the amount of UAH 150, 000.01–1,000,000.00 included).
- 1.5% of the guarantee amount (for a guarantee in the amount of UAH 1,000,000.01+)
Granting/increasing the amount/extending the unsecured guarantee for travel agents for 1 year UAH 3,600.00
Changing the terms of the guarantee/counter-guarantee** UAH 1,000.00
Guarantee/counter-guarantee obligation (charged for all guarantees, except for cash-secured guarantees in the coverage account 2932/2952, unsecured tender guarantees, and unsecured travel agent guarantees)*** - At least 3% per annum (min UAH 300.00 per month) – secured by property rights to the deposit.
- At least 4% per annum (min UAH 300.00 per month) – secured by movable/immovable property.
- At least 5% per annum (min UAH 300.00 per month) – under other security, except for the deposit/movable/immovable property, or without security.
Guarantees received by the bank*
Advising on guarantees/counter-guarantees** 0.1% of the guarantee/counter-guarantee amount (but no less than UAH 500.00 and no more than UAH 5,000.00)
Advising on changes to the terms of the guarantee/counter-guarantee, including its early closure*** UAH 500.00
* All the tariffs are indicated without VAT. Unsecured guarantee tariffs are applied to the partially covered guarantee.
** The fee is charged for each change. If several changes are made at the same time, one fee is paid.
*** Payment for the guarantee by the bank with the bank's funds is a loan to the client under the terms specified in the guarantee agreement.
Show all