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 Subject to participation in the «Affordable loans 5-7-9%» program Fixed rate

For replenishment of working capital:

13%, except 3% per annum for business entities providing economic activities in high-risk military zone*

For replenishment of working capital:

  • micro business – UIRD 3m + 3.5%;
  • small business – UIRD 3m + 2.5%.
One-time fee 0% (reduced until 31.12.2024)
1–1.5% depending on the business support program
LUB (Loans to Ukrainian Business), discounted
Rate Depending on the terms of the bank's partner
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.
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%
Revolving credit line
Rate Subject to participation in the «Affordable loans 5-7-9%» program Standard terms

13% per annum, except for:

  • 3% per annum for business entities conducting economic activities in a high-risk war zone*.
  • 7% per annum for business entities conducting their core activities under all CTEA of Section C.
  • 7% per annum for the reconstruction of fixed assets of business entities destroyed due to military aggression, as evidenced by relevant documents.
  • micro and small business UIRD 3М+4%
One-time fee
  • 0% (for secured loans until 31.12.2024);
  • 1–1.5% depending on the business support program.
Agriseason credit line
Rate Subject to participation in the "Affordable loans 5-7-9%" program Standard terms

13% per annum, except for:

  • 3% per annum for business entities conducting economic activities in a high-risk war zone*.
  • 7% per annum for business entities conducting their core activities under all CTEA of Section C.
  • 7% per annum for the reconstruction of fixed assets of business entities destroyed due to military aggression, as evidenced by relevant documents.
  • micro and small business UIRD 3М+4%
One-time fee
  • 0% on loans with hard collateral for customers with net income up to UAH 300 million (the promotion is valid until 31.12.2024);
  • up to 1.5% for loans without hard collateral.
Loan secured by a deposit
Rate
  • +2,5% to the deposit rate (loan and deposit in the same currency);
  • +3% to the deposit rate (loan and deposit in different currencies: EUR/USD; USD/EUR);
  • 19% per annum (loan in UAH, deposit in EUR/USD) for micro and small business customers
    		•
    Fee
    (for issuing a new loan/extending an existing agreement)    		 0,1% (min UAH 100, max UAH 10,000)
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    *High-Risk War Zone - territories susceptible to combat operations as listed and approved by the Ministry of Reintegration, with no specified end date for combat operations, or territories where there have been no combat operations or occupation for less than one calendar year as of the date of entering into the credit agreement.

    Business-overdraft (automatic)

    Parameter Value for all projects
    1–30 days 24,0%
    31–60 days 25,5%
    61–90 days 27,0%
    Agro clients 25,0%
    Exceeding the allowed period of use of the Credit Double interest rate applied for the maximum term of the period of continuous use of the Credit
    One-time commission for providing financing (% of the financing amount): 1%

    Business-overdraft (standard)

    Parameter Value for all projects
    1–30 days 22,0%
    31–60 days 23,5%
    61–90 days 25,0%
    Agro clients 23,0%
    Exceeding the allowed period of use of the Credit Double interest rate applied for the maximum term of the period of continuous use of the Credit
    One-time commission for providing financing (% of the financing amount)
    for secured transactions 0,5%
    for unsecured transactions 1%

    Capital investment loans

    Product/Paramete Value
    Investment loan (non-revolving credit line up to 5 years)
    Rate
    • For customers with revenue up to UAH 30 million: UIRD 3m + 6%.
    • For customers with revenue over UAH 30 million: UIRD 3m + 5%.
    One-time fee 1% of the loan amount
    Loan for the purchase of fixed assets, including agricultural machinery
    Rate 22%
    One-time fee 1% of the loan amount
    Insurance annually according to the tariffs of the insurance company accredited by the bank
    Additional terms
    Insurance of the pledged property According to the rates of the bank's insurance partner companies
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    Leasing tariffs for Micro and Small business 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 Leasing 5-7-9% Standart leasing
    Basic interest rate on leasing programmes (% per annum) From 5 to 9%
    • For customers with revenue up to UAH 30 million: UIRD 3m + 6%.
    • For customers with revenue over UAH 30 million: UIRD 3m + 5%.
    One-time fee for providing financing (% of the financing amount) 0,5%

    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 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
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    Tariffs for Micro and Small business

    Guarantees within Ukraine

    Type of service Tariff*
    Providing a guarantee/counter-guarantee (except unsecured tender guarantee and unsecured guarantee for travel agents)* 0.3% of the guarantee/counter-guarantee amount (but not less than UAH 1,500 and not more than UAH 30,000)
    Providing an unsecured tender guarantee - UAH 2,000.00(for a guarantee of up to UAH 75,000 inclusive);
    - UAH 3,000.00 (for a guarantee of more than UAH 75,000 to UAH 150,000 inclusive);
    - 2% of the guarantee amount (for a guarantee of more than 150,000 to 1,000,000 UAH inclusive).
    - 1.5% of the guarantee amount (for a guarantee of more than UAH 1,000,000)
    Providing/increasing the amount/extension the unsecured guarantees for travel agents for 1 year UAH 3,600
    Increasing the amount/extension the guarantee/counter-guarantee (except for cash secured guarantees/counter-guarantees on the coverage account 2932/2952 and unsecured guarantees/counter-guarantees – for tenders and for travel agents)*** 0.3% of the guarantee/counter-guarantee amount in case of extension, or of the amount of the guarantee increase (but not less than UAH 1,500 and not more than UAH 30,000)
    Amendments to guarantees/counter-guarantees under cash collateral on cover account 2932/2952 and tender guarantees/counter-guarantees without collateral, as well as other changes to other types of guarantees/counter-guarantees*** UAH 1,500
    Guarantee/counter-guarantee management fee (charged for all guarantees except cash covered guarantees on coverage account 2932/2952, unsecured tender guarantees and unsecured travel agent guarantees)**** - 2% per annum (min. 500 UAH monthly) – secured by property rights to a deposit/counter-guarantee of another bank.
    - 3% per annum (min. 500 UAH monthly) – secured by movable/immovable property.
    - 3.5% per annum (min. 500 UAH monthly) – under security other than a deposit/movable/immovable property or without security.
    * All tariffs exclude VAT. Unsecured guarantee rates apply to a partially covered guarantee.
    ** For cash secured guarantees in coverage accounts 2932/2952, provided that the client is: a) a legal entity with a financial status class of 10; b) an individual entrepreneur with a financial status class of 5; c) a newly created enterprise/individual entrepreneur without a calculated financial status, the tariff "Providing an unsecured tender guarantee" shall be applied.
    *** A fee is charged for each change. In case of simultaneous introduction of several changes, one fee of the greater value is paid.
    **** Payment under a guarantee using bank funds is the provision of a loan to the client under the guarantee agreement terms and conditions.
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    Letters of credit within Ukraine

    Letters of credit opened by the bank
    Type of service Tariff*
    Granting the letter of credit 0.3% of the letter of credit amount (min UAH 1,500.00, max UAH 30,000.00)
    Changing the terms of the letter of credit, cancellation of the letter of credit** UAH 1,000.00
    For the obligation under an uncovered letter of credit (charged for all letters of credit, except for letters of credit under monetary security in the coverage account 2932/2952)*** - At least 3% per annum (min UAH 500.00 per month) – secured by property rights to the deposit.
    - At least 4% per annum (min UAH 500.00 per month) – secured by movable/immovable property.
    - At least 5% per annum (min UAH 500.00 per month) – under other security, except for the deposit/movable/immovable property, or without security.
    Letters of credit received by the bank
    Type of service Tariff*
    Advising on the letter of credit/changes to the terms of the letter of credit, including its cancellation** UAH 1,000.00
    Confirmation of the letter of credit: with coverage in PrivatBank UAH 1,500.00
    Confirmation of the letter of credit: uncovered*** No less than 5% per annum (min UAH 500.00 per month)
    * All the tariffs are indicated without VAT.
    ** ** The fee is charged for each change, including early cancellations. If several changes are made at the same time, one fee is paid.
    *** Payment under a letter of credit at the expense of the bank is the providing of a loan to a client on the terms specified in the general agreement on opening documentary letters of credit
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    Promissory note transactions in Ukraine

    Type of service Tariff
    Cost of one promissory note bill (simple or transferable) UAH 150.00, incl. VAT – UAH 25.00
    State duty in the amount of 0.1 of the non-taxable minimum income of citizens for each bill UAH 1.70