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More information about different card types
Instant card: activation
Business cards are issued free of charge when a current account is opened. Expired business cards are automatically reissued and delivered at the company's address.
Digital card
Virtual card for legal entities and sole proprietors allowing to pay contactless for services and goods via Apple Pay or Google Pay with access to all operations available for a regular plastic card in Privat24 anywhere in the world.
World class card with a photo
Premium business card in UAH for legal entities and business owners who travel frequently and need extra comfort.
Offers and discounts available for holders of World class business cards with photo
Mastercard business lounges: free access to Mastercard Lounges in the domestic flight areas of Ukrainian airports.
Mastercard Fast Line at airports: pass security and passport control at Boryspil (Terminals D and F) and Kyiv Airports without queues.
Pricing plans
| Card currency | UAH, USD, EUR | |||
| Issuance of an instant card | free of separate charge | |||
| Issuance of a Digital card | free of separate charge | |||
| Issuance of a World* card with the holder's photo | Basic pricing packages | Business Start package | Business Comfort package | Business PRO package |
| UAH 200 | UAH 150 | UAH 100 | UAH 50 | |
| Fee for withdrawal of own funds (within Ukraine) | Basic pricing packages | Business Start, Business Comfort and Business PRO | ||
| 1,2% | 1% | |||
| Fee for withdrawal of own funds (abroad) | 2% | |||
| Fee for withdrawal of credit funds (within Ukraine and abroad) | 3% | |||
| Additional fee for withdrawal of own funds at PrivatBank teller windows without prior placement of an order for cash withdrawal (applies to any single withdrawal of more than UAH 100 000 from a given card) | 0,25% | |||
| No-card withdrawal at a cash desk | 0,2% min 5 грн | |||
| Printing of a receipt indicating a card balance at an ATM or SST | free of separate charge | |||
| Fee for making payments at retail outlets (both online and offline) | free of separate charge | |||
| Fee for processing of payments made from a card to a Card for Pay-outs or an Internet Card, for non-purpose fund transfers under the Salary Project, and for sending mass payments | 0,7% от суммы | |||
| Fee for processing of payments made to a Card for Pay-outs from a credit limit established for a current account, Corporate Card, or a Key to Account card, as well as for non-purpose fund transfers under the Salary Project | 3% | |||
| Fee for processing of payments made to an Internet Card or a virtual account from a credit limit established for a current account, Corporate Card, or a Key to Account card | 3% | |||
| Fee for withdrawal of cash from credit limit established for a current account and/or for transfer of funds from Entrepreneurial credit limit established for a current account to any other accounts owned by the Client or by any other individuals (does not apply to payroll payments credited to payroll cards issued by the Bank) | 4% | |||
| Penalty interest for unarranged overdraft or late repayment of credit limit debt | 200% | |||
| Late repayment of unarranged overdraft debt | Penalty in the amount of 0,2%, but not more than double the NBU's discount rate for each day of the delay | |||
Show all
* If the payment is made from a company's account via Privat24 for business.
All fees and pricing plans are VAT exclusive and charged in UAH equivalent at the NBU exchange rate as of the charge date.
Template for an application to join the Sole Proprietor Terms and Conditions
Template for an application to join the Legal Entity Terms and Conditions
Benefits of a Business card for you
Transparency of business: funds debited from the account are deemed advanced against expense report for the Tax Service and are reimbursed in accordance with applicable law of Ukraine.
Round-the-clock access to the company's own and credit funds, 24/7 settlement and payment instrument.
Automatic 24/7 crediting of funds to the company's account when the card is topped up.
Automatic conversion of funds at PrivatBank’s exchange rate for card payments during business trips abroad.
PayPass contactless payment technology allowing to pay for purchases quickly, conveniently, securely and in one touch.
Protection of online payments made from the business card with the 3-D Secure technology.
Cashless payments for goods and services at retail and service outlets around the world with no additional fees charged.
Cash withdrawal in UAH at ATMs of all Ukrainian banks at a unified rate.
Online banking allowing to change spending limits, block/unblock, order/activate cards, check balance and generate statements.
Frequently Asked Questions
Who can apply and get the card?
The Key to Account card is only issued to persons having the right of the first financial signature, i.e., to account holders.
Legal entities The card is only issued to managers having the right of the first signature; it is not issued to persons holding other positions in a company and cannot be transferred to them.
Sole proprietors
The card is issued to the sole proprietor and/or a person authorized to dispose of the account by a power of attorney.
How do I check the balance of the Key to Account business card?
You can check the balance of your card in any way that is convenient for you:
- by sending an SMS* with the last 4 digits of your card number to 10060
- via an ATM or a self-service terminal
- via Privat24
- by calling 3700
*mobile network operator charges apply
What is the difference between an instant Key to Account business card and the World class Key to Account card?
World class cards bear the holder’s name and photo. Holders of World class cards participate in the Discount Club and Mastercard Lounge programs.
How do I get and activate the Key to Account business card?
The Key to Account card is issued free of charge when a current account is opened. A client can get additional cards of this type at a bank branch or by applying for them via Privat24 for business.
Can an authorized representative of a sole proprietor use the Key to Account card? Are any additional documents required for this?
Yes. The representative must be authorized to dispose of the current account by a power of attorney.
What is the maximum cash withdrawal limit for the Key to Account card?
Key to Account cards have the following standard cash withdrawal limits:
- at an ATM: UAH 60 000 daily, max. UAH 20 000 within 3 hours;
- at a cash desk: UAH 300 000 daily.
Standard limits can be increased via Privat24 or via Online Help chat at pb.ua/chat. Please note: the limit on withdrawing max. UAH 20 000 from an ATM within 3 hours cannot be changed.
Can I use the Key to Account card for online payments?
Yes, you can. Please note that the card must be authorized for online payments via Privat24.
How do I block or unblock the Key to Account card?
You can block or unblock your Key to Account card:
- in the My Accounts → Block/Unblock a Card menu of Privat24
- via the SMS Banking mobile app or by sending an SMS command
- by calling 3700 (calls from mobile numbers are free of charge)
- in the Card operations → More services → Block/Unblock a card menu of a PrivatBank ATM;
- at any branch of PrivatBank
Can I use the Key to Account card to credit interest earned on a deposit account?
No.
Can I check the status of my deposit status using the Key to Account card?
No.
