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
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%
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
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Capital investment loans

Product/Paramete 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
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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 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 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

Guarantees opened by the bank*
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 1,500.00 and no more than UAH 15,000.00)
Provision of an unsecured tender guarantee - UAH 2,000.00 (for a guarantee of up to UAH 75,000.00 included);
- UAH 3,000.00 (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.
** Tariff is applied for cash-secured guarantees in the coverage account 2932/2952 provided that the customer is: a) a legal entity with financial class 10, b) an enterpreneur with financial class 5, c) a newly created enterprise/enterpreneur without calculated financial class.
*** 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.
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Letters of credit within Ukraine

Letters of credit opened by the bank
Type of service Tariff
Granting/changing the amount/term of the letter of credit 0.2% of the letter of credit amount (but no less than UAH 500.00 and no more than UAH 5,000.00)
Changing the terms of the letter of credit, cancellation of the letter of credit UAH 500.00
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 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/in blank.
Letters of credit received by the bank
Advising on the letter of credit/changes to the terms of the letter of credit, including its cancellation** UAH 500.00
Confirmation of the letter of credit: with coverage in PrivatBank UAH 800.00
Confirmation of the letter of credit: uncovered No less than 5% per annum (but not less than UAH 300.00 monthly)
* All the tariffs are indicated without VAT.
** The fee is charged for each change, including early cancellations.
*** The fee for payment under the letter of credit at the expense of the bank's funds is equal to the interest on loans for corporate clients approved by the Minutes of the CC of the bank's Management Board, effective on the date of signing the agreement on opening an uncovered letter of credit (paid under the terms of the agreement).
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Promissory note transactions in Ukraine

Type of service Tariff
Cost of one promissory note bill (simple or transferable) UAH 50.00, incl. VAT – UAH 8.33
State duty in the amount of 0.1 of the non-taxable minimum income of citizens for each bill UAH 1.70