You can receive any cash inflows to your Card for Pay-outs: salary, pension, advances, traveling allowance, scholarship, all types of social assistance, birth grants, as well as money transfers.
Withdraw cash at any ATM in Ukraine free of charge.
Gold Card for Pay-outs is not only a convenient payment instrument but also the proof of your success and well-being.
With a Gold Card for Pay-outs you become a member of PrivatBank GOLD Club and receive a number of benefits.
The card issue in the bank will last for only 15 minutes. The documents required for obtaining a card are your passport and taxpayer ID number.
You will be served at any branch!
PrivatBank has the largest branch network among commercial banks of Ukraine. You can ask questions concerning your Card for Pay-outs at any branch, not only at the one where you have received your card! Employees of all branches will be glad to help you!
You can also apply for a Card for Pay-outs with your name, surname and photo. The card supports PayPass technology and allows you to pay for purchases with one sweep, without presenting your identity documents, including abroad.
Fee for card issuance is UAH 100.
Fee for the issuance of Gold Card for Pay-outs is UAH 150.
| Currency | UAH, USD, EUR ,RUB |
| Issue and reissue: | |
| 6 cards per year (3 cards for an additional cardholder) | Free of charge |
| More than 6 cards per year (more than 3 cards for an additional cardholder) | 100 UAH |
| Monthly membership fee for GOLD club | UAH 20 |
| Issue of a card with a photo | UAH 150 |
| Fee for card replenishment: | |
| Replenishment from deposits | Read more on the deposits page |
| Crediting of money transfers, Swift | Read more on the transfers page |
| Fee for replenishing the card in Privat24 via cashless payment from own cards, by means of self-service terminal, at bank cash desk, via cashless payment from third parties | 0.5 % of the amount |
| Card replenishment (including crediting the remainder of more than UAH 50). | at a cash desk
at the self-service terminal - without using a card - 0.5% of the amount (minimum UAH 5) For cardholders of PrivatBank there is a promotional rate of 0.2% of the amount (minimum UAH 2). |
| Fee for non-cash payments: | |
| Payment by card at retail outlets and online stores | Free of charge |
| To a Universal/Universal Gold Card | Free of charge |
| Transfer to a card from any bank, worldwide | Read more on the transfers page |
| To a PrivatBank account of a legal entity | |
| Top-up | |
| Payments in Privat24 | Read more on the page of Privat24 Internet Bank |
| Fee for cash withdrawal: | |
| at any ATM in Ukraine and at PrivatBank cash points and ATMs | Free of charge |
| Fee for cash withdrawal at ATMs and cash points abroad | 2% |
| SMS banking | Free of charge |
| SMS notification of special purpose receipts and other card transactions when connecting the service via ATM or Privat24 | Free of charge |
| Receipt of a statement / certificate in Privat24 | Free of charge |
| Providing card statements at the bank branch for any period | UAH 100 |
| Fee for balance enquiry at PrivatBank ATMs and self-service terminals (other than cash withdrawal receipt) | UAH 3 |
| Fee for monitoring an expired card with no transactions for 6 consecutive months (no other active cards) | more than 12 months ago – UAH 100 per year, - more than 24 months ago – UAH 500 per year, but not more than the card balance |
| Cash withdrawal without using the card at the cash desk or ATM | at cash desk - without using a card - 0,2% min - 5 UAH ATM - UAH 2 (except withdrawal by scanning a QR code) |
| Fee for using the credit limit: | |
| Penalty for unauthorised overdraft (debt on a card account for which an overdraft has not been agreed) | 3.6% per month of the overdraft amount |
| Minimum monthly payment | 100% of overdraft debt |
| Penalty for late repayment of a loan / overdraft. The penalty is charged on the day of writing off of interest. | The penalty is 0.24% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 50 each time when there is a delay in payment of a loan / overdraft for the amount of not less than 100 UAH. |
| Fee for monitoring an expired card with no transactions for 6 consecutive months (no other active cards) | more than 12 months ago – UAH 100 per year, - more than 24 months ago – UAH 500 per year, but not more than the card balance |
Along with a Card for Pay-outs you can get a Universal Card, which will give you the opportunity to use both your own money on the card and the credit funds of the bank. Being a payment instrument, a Universal Сard has all the same benefits as a Card for Pay-outs!
With the Universal Card you will be able to:
How fast will the money be credited to the Card for Pay-outs?
Step 1. Check the card balance by means of Privat24, ATM, SMS-banking mobile application or SMS command.
Step 2. Check with the company's accountant, the pension or social fund, whether the money has been transferred or not.
Step 3. Ask your colleagues whether they have received their salary or not.
Step 4. Check by means of ATM, self-service terminal or by SMS command, whether the card is active and whether there is a blocking.
Step 5. If your card has expired, contact any PrivatBank's branch to reissue the card. If your card is blocked, follow the instructions below (item No. 6).
How to control the money flow on the Card for Pay-outs?
A payment that I did not make was debited from the card. What shall I do?
How do I change the cash withdrawal limit on my card?
For security reasons a daily ATM withdrawal limit (cash limit) of UAH 5,000 (or equivalent in USD or EUR) is set on the Card for Pay-outs.
You can change your daily cash withdrawal limit:Can I pay for online purchases with my Card for Pay-outs?
With any PrivatBank card you can pay online conveniently and free of charge. Before making payments in online stores we recommend you to check whether your card is open for online payments (this can be done in Privat24 in "My accounts"> "Card / account management"> "Payment online"). You can also close or reopen a card for risky online transactions by means of Privat24.
For safety reasons, set an Internet limit, i.e. an amount beyond which you cannot spend from the card during the calendar month during the calendar month (the limit is valid only for risky Internet transactions). On the first day of every month, the limit will be revolved, and you will be able to redeem this amount again.
How do I block or unblock my Card for Pay-outs?
Where can I change the PIN of my Card for Pay-outs?
I have enabled the deposit option of my Card for Pay-outs, but no interest is accrued. What shall I do?
Please note that interest is accrued only on a pension card for pay-outs or a salary card for pay-outs for which interest is accrued. (the specific terms shall be discussed in the contract with the company).
If interest is not accrued at the end of the month:
Step 1. Check whether the deposit option is enabled via Privat24 or PrivatBank's ATM.
Step 2. Look at the statement in Privat24, if there was a permanent balance of UAH 100 on the card during the month.
Step 3. Contact any branch of PrivatBank.
What shall I do if I lose my card?
In case of loss or theft of your card, first block the card so that nobody could use it. Read more in the answer to the question "How do I block or unblock my Card for Pay-outs?". After blocking, please contact any branch of PrivatBank to reissue the card.
In what currency may a Card for Pay-outs be issued?
Cards for special-purpose pay-outs (salary, scholarship, pension, social assistance) are issued in UAH. At your discretion a Card in foreign currency (USD, RUB, EUR) may be issued for other settlements. It should be noted that all Cards for Pay-outs are multi-currency - this means that you can withdraw money from your card in a currency other than the currency in which the card is issued.
