“Key to Account” card

For daily payments of companies and private entrepreneurs.

Card payments and cash withdrawals of personal and credit funds on the company account
Currency is converted at the bank exchange rate when paying abroad
Online payments are protected by the 3-D Secure technology

What is the “Key to Account” card used for

What is the “Key to Account” card used for
  • Main company expenses (purchase of goods, payments to suppliers).
  • Representation expenses (official receptions, cultural programs).
  • Travel expenses in Ukraine and abroad (booking of hotel rooms, ticket purchases, car rental, etc).
  • Administrative expenses (stationery, office equipment, furniture, gasoline, etc).
  • Personal expenses (once all sole proprietor taxes are paid; details on the STS portal: Simplified System, General System).

Card types

Digital classic card

Virtual card is issued for free at the time of account opening or, if you wish, in Privat24 for Business mobile app.

Digital Platinum card

A premium business card which opens access to extra services: Concierge service, insurance program, free admission to business lounges, solutions for cost and control and management , discounts and offers for business process management, Visa marketing services.

Digital card Business GO

A free business card - joint program of PrivatBank, Visa and WOG. With this card you will get extra discounts to the PRIDE loyalty program for every liter of fuel at the WOG gas station network.

Instant-issued plastic card

Plastic business cards are provided for free at any bank branch and are assigned to a company account via Privat24 for Business app.

The list of branches

Platinum Business card

A premium plastic business card which opens access to extra services: Concierge service, insurance program, free admission to business lounges, solutions for cost control and management, discounts and offers for business process management, Visa marketing services.

Rates

Rate

For whom		 Business Standard Package

(entrepreneurs)		 Business Comfort Package

(legal entities)		 Business Pro Package

(large business)
Currency UAH
Digital card issuanceseparately is not charged
Instant-issued card Opening separately is not charged
Issuance of World* card with a photo UAH 150 UAH 100 UAH 50
Platinum card issuance separately is not charged separately is not charged separately is not charged
Platinum card - monthly servicing UAH 50/month UAH 50 per month for legal entities
for private entrepreneurs separately is not charged		 UAH 50 per month
Card delivery service fee - when the card is re-issued across Ukraine**. is not charged
Card delivery service fee - when opening a new account across Ukraine***. is not charged
Fee for the card international delivery service when the card is reissued **. is not charged
Fee for the card international delivery service when opening a new account ***. is not charged
* Application for this card has been terminated as of July 21, 2026.
** In total, 6 cards of all types are available throughout the actual year (including order for re-issuance and/or new account opening).
*** In total, 6 cards of all types are available throughout the actual year (including new account opening and/or card re-issuance).
All fees are indicated excluding VAT, the fees are charged in hryvnia equivalent at the NBU exchange rate on the debit date.

Document templates

img-mobile

Template of the application for joining the terms and conditions for an individual entrepreneur.

Download

Template of the application for joining the terms and conditions for a legal entity.

Download

Template of the application for joining the terms and conditions for individuals providing independent professional activities.

Download
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Frequently asked questions

Who can issue and receive a ‘Key to Account’ card?

The card is issued only to individuals with first signature rights. The terms for obtaining it depend on your business structure:

  • Legal Entities. The card is issued only to the company executive who has first signature rights. The card cannot be issued to or shared with other company employees.
  • Sole Proprietors. The card can be issued directly to the entrepreneur or to their authorized representative (subject to a notarized or bank-issued power of attorney granting account management authority).

Which transactions are available for a ‘Key to Account’ card within the Privat24 for Business service?

In the Privat24 for Business app and web version, you have full control over your card. Available features include:

  • Card management: order and activate new cards (including Digital), instantly block or unblock your card, and change daily limits.
  • Financial control: quickly check your current card balance and generate detailed account statements.
  • Payments: make payments and transfer funds directly from your business card.

How to check the ‘Key to Account’ card balance?

Instantly check your card balance via any convenient option:

  • In Privat24 for Business. The fastest option 24/7. View your current balance on the home screen or under Business Cards.
  • Via SMS. Send an SMS to 10060 with the text XXXX (where XXXX is the last 4 digits of your card)*.
  • At self-service machines. Insert a card or use the contactless reader at any PrivatBank ATM or terminal.

*SMS cost depends on your mobile operator's tariffs.

How to get a plastic 'Key to Account' business card?

Your first plastic card is completely free when you open an account at a branch.

If you need an extra plastic card, visit any bank branch and add it to your current account remotely through Privat24 for Business.

Can an authorized person use a sole proprietor's ‘Key to Account’ card, and what is required for this?

Yes, this is allowed. An authorized representative of a sole proprietor can obtain and fully use the card. To do so, you need to provide the bank with a notarized power of attorney or issue a bank power of attorney (clearly specifying the individual's right to manage the sole proprietor's current account).

Can I use the "Key to Account" card for online purchases?

Yes, online transactions are fully supported. To make online purchases, make sure to enable online payments and set your spending limit in Privat24 for Business.

Can I pay in stores with the ‘Key to Account’ card?

Yes, of course. You can pay for goods and services at retail outlets. The following terms and conditions apply to this card:

  • 0% commission. Cashless payments at retail outlets are conducted with no additional charges or hidden bank fees.
  • Valid globally. You can pay for purchases both in Ukraine and abroad — anywhere payment cards are accepted.

Is contactless payment available for the ‘Key to Account’ card?

Yes, contactless payment technology is fully supported. Depending on your card's payment system, you can enjoy all the benefits of contactless payments (Mastercard PayPass or Visa payWave) anywhere you see the corresponding symbol on the terminal. This significantly speeds up transactions and ensures high payment security.

Digitize your card by adding it to Apple Pay or Google Pay via the ‘Privat24 for Business’ app, and pay with your devices even if you don't have a physical card with you

Can I pay with the “Key to Account” card in stores?

Yes, you can. Cashless payments for products and services in retail stores are available worldwide without extra fees.

How to block or unblock the ‘Key to Account’ card?

If you have lost your card or noticed suspicious transactions, instantly block or unblock it anytime:

  • Online through the ‘Privat24 for Business’ or Privat24 app and web portal. This is the fastest option: navigate to the relevant card settings menu and select ‘Block / Unblock Card’.
  • By contacting Customer Support (card blocking only). Call the hotline at 3700 (free from mobile phones in Ukraine) or contact the ‘Help Online’ chat. A support agent will assist you within a minute.

Can the ‘Key to Account’ card be used to withdraw deposit interest?

No, this card cannot be used to withdraw funds from a deposit account. The ‘Key to Account’ card provides access to your current account only.

Can I check my deposit balance using the ‘Key to Account’ card?

No, the ‘Key to Account’ card only displays the balance and transaction history for your current account. You can view your deposit balance or status in ‘Privat24 for Business’.

Can a sole proprietor pay for personal expenses using a ‘Key to Account’ card?

Yes, a sole proprietor has the right to use funds from a business card for personal needs after paying all taxes and fees. This is confirmed by NBU Resolution No. 7 dated January 15, 2020, and clarifications from the State Tax Service (STS). Details are available on the STS website: Simplified Tax System, General Tax System .

Can the ‘Key to Account’ card be used for store and online purchases using the ‘Entrepreneurial Credit Limit’?

Yes. Online and retail store payments made with the ‘Key to Account’ card using the "Entrepreneurial Credit Limit" on the business card carry a 0% fee.

Is foreign currency cash withdrawal supported on the ‘Key to Account’ card within Ukraine?

No. Foreign currency cash withdrawals using a ‘Key to Account’ card are prohibited in Ukraine under NBU Resolution No. 18 dated Feb 24, 2022 ("On the Operation of the Banking System During Martial Law").