Withdraw cash at any ATM in Ukraine free of charge.

What is a Card for Pay-outs?

What is a Card for Pay-outs?

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

Gold Card for Pay-outs

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.

Simple and free issuance

Simple and free issuance

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.

Rates for Cards for Pay-outs in national currency

Card for Pay-outs
Gold Card for Pay-outs
Currency UAH, USD, EUR ,RUB
Issue and reissue:
6 pieces per year (3 pieces for an authorized person)Free
More than 6 cards per year (more than 3 cards for an authorized person)100 UAH
Monthly membership fee for participation in the GOLD club UAH 20
Issue of a card with a photo UAH 150
Fee for replenishment of your card:
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 cash desk of the bank, via cashless payment from third parties 0.5 % of the amount
Card replenishment (including crediting the remainder of more than UAH 50).

at the cash desk

  • Cardholder (with and without a card) - 0.2% min - 5 UAH
  • non-cardholder - 0.5% min - 5 UAH

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
Transfer to a card of any bank in the world Read more on the transfers page
To an account of a legal entity in PrivatBank
To a Universal/Universal Gold Card
Payments in Privat24 Read more on the page of Privat24 Internet Bank
Fee for cash withdrawal:
at any ATM in Ukraine and at cash points and ATMs of PrivatBank Free of charge
Fee for cash withdrawal at ATMs and cash points abroad 2%
SMS banking Free of charge
SMS-notification on special purpose receipts and other card transactions in case of 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 getting a balance receipt at ATM and self-service terminal of PrivatBank (other than cash withdrawal receipt) UAH 3
Fee for monitoring the expired card on which there were no transactions for 6 consecutive months (there are 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 the 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 unauthorized overdraft (debt on a card account for which Overdraft is not provided) 3.6% per month of the overdraft amount
Mandatory 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 the expired card on which there were no transactions for 6 consecutive months (there are 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
Show all

Universal Card

Universal Card

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:

  • get a credit limit of up to UAH 50,000 with a grace period.
  • use credit funds free of charge for up to 55 days;
  • save your own funds on your card and receive 6% on the balance.

Frequently asked questions

How fast will the money be credited to the Card for Pay-outs?

PrivatBank loads salary to the cards within 2-3 hours after the company transfers money to the bank. If the salary is not on the card in due time:

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?

Control the money flow on the card in any of the following ways:
  • By using the SMS-notification service.
  • In Privat24 - menu "My accounts" / "Card statements".
  • Download the Viber application on your smartphone and receive notifications about all card transactions by means of it.
  • Communicate your e-mail to the bank and receive a letter after each expense from the card.

A payment that I did not make was debited from the card. What shall I do?

If you do not agree with the debiting:
  • Check that there are no regular payments linked to your card that you have forgotten about.
  • Check if you have any overdue loan debts with PrivatBank.
  • Review statements for additional cards if you have any.
  • Contact any branch of PrivatBank for professional advice.

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:
  • In Privat24 - the menu "My accounts" / "Changing the cash limit".
  • Via "SMS-banking" mobile application or by SMS-banking command.
  • By calling customer support at 3700 (toll-free for mobile calls).
  • Via PrivatBank's ATM in the menu "Card transactions" / "Additional Services" / "Changing the cash limit within the card balance".
  • At any branch of PrivatBank.

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?

You can block or unblock your Card for Pay-outs:
  • In Privat24 - menu "My accounts" / "Card blocking/unblocking".
  • Via "SMS-banking" mobile application or by SMS-banking command.
  • By calling customer support at 3700 (toll-free for mobile calls).
  • Via PrivatBank's ATM in the menu "Card transactions"/ "Additional Services" / "Block / Unblock a card".
  • At any branch of PrivatBank.

Where can I change the PIN of my Card for Pay-outs?

You can change the PIN:
  • at ATMs («Other transactions» - «My settings» - «Change of the PIN code»);
  • at self-service terminal ("My settings" - "Change of the PIN code");
  • in Privat24 ("My accounts" select the card - "Card management" - "Change of the PIN code");
  • send an SMS to the number 10060 with the text PIN + XXXX (where XXXXX is the last 4 digits of your card number);
  • at any branch of the bank.

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.