Cash at the Checkout service

Pay for purchases in stores, pharmacies or other points of sale and withdraw cash from your card via the terminal , at the same time.

No more queues or looking for an ATM
No extra fees
Limit is UAH 6,000 per one transaction
For cards of Visa and Mastercard
Where does this work? Where does this work?
Where does this work? Where does this work?

How to receive cash at the checkout

Лого

Pick a product

In the store, pick the products you need, and bring them to the checkout.
Лого

Inform a cashier about cash withdrawal

Tell the cashier the amount you wish to withdraw.
Лого

Pay for the products

Confirm the transaction by entering the card PIN code, or via Apple Pay, Google Pay, FacePay
Лого

Receive your cash

Done! The money is in your pocket.

Where can I use the service?

silpo
atb
avrora
fora
varus
fozzy
23market
trash
novus
apteka-911
apteka-anc
apteka-opt
apteka-kopiika

retail stores

Rates

No fee for this service. But the fee may be charged pursuant to your card rates (like when using an ATM).

Card type Own funds Credit funds
Card for Payments 0% -
“Universalna” and “Universalna Gold cards 1% 4%
Premium cards 1% 3%
Business cards 1%, in the “IT Expert” package, separately is not charged 3-4%
Card of another bank Pursuant to the rates of the bank which issued the card

Frequently asked questions

Where is the service available?

  • In the following retail chains: ATB, Fozzy, Fora, Silpo, THRASH!TRASH!, Novus.
  • In pharmacies: “Apteka 9-1-1”, “Pharmacy of wholesale prices”, “Pharmacy 03”, “Low Price Pharmacy”, “Deshevo”, “Partner”, “The first pharmacy”, “ANC”, “Kopiyka”, “Shar@”, “Bila.romashka”.
  • Ukrnafta gas station.

What is the minimum cash amount for withdrawal?

A point of sale can set the minimum purchase amount.

What is the maximum cash amount for withdrawal?

UAH 6,000 per one transaction/purchase.

From what cards can I withdraw funds?

From all cards issued by PrivatBank (Card for Payments, “Universalna” and “Universalna” Gold cards, premium card), and cards of other banks, if permitted.

What card is a debit card?

Pension, salary, student (Card for Payments).

Can I withdraw funds from the card of another bank?

Yes, you can, if the issuing bank permits such withdrawal.

What is the fee for funds withdrawal?

No fee for the service. You may be charged pursuant to the card rates (like when using an ATM).

Who gives out the funds?

A cashier or a seller at a point of sale.

Is it mandatory to purchase products for this kind of cash withdrawal?

Yes, it is mandatory.

What is the minimum purchase amount for cash withdrawal?

Minimum purchase amount is 1 hryvnia but it may change at the discretion of a point of sale.

Can a point of sale deny the cash withdrawal?

Yes it can. In case of technical issues, if cash has run out, etc.

Is a merchant obliged to give the cash out if his terminal has this service activated?

No, as there is no obligation by law.

How is the service regulated by law?

Acts and laws regulating the Cash withdrawal at the checkout service are:

- Law of Ukraine “On Payment systems and Funds Transfer in Ukraine” (clause 1.42).

- Law of Ukraine “On Amendments to the Law of Ukraine “On the Use of Registrars of Settlement Transactions in the Sphere of Trade, Public Catering and Services” and Other Laws of Ukraine on De-Shading of Settlements in the Sphere of Trade and Services” dated September 20, 2019 No. 128-IX amended (Law No. 128-IX); Law of Ukraine “On Amendments to the Tax Code of Ukraine on De-Shading of Settlements in the Sphere of Trade and Services” dated September 20, 2019 No. 129-IX; amendments to the Law of Ukraine “On the Use of Registrars of Settlement Transactions in the Sphere of Trade, Public Catering and Services” dated July 06, 1995 No. 265/95 (the Law No. 265).

- Amendments to the Law No. 265 dated August 01, 2020 which permit the holders of electronic payment instruments to make cash withdrawal operations using settlement transaction registrars (if registered in an appropriate manner).

Merchants cooperating with the bank should act in line with the requirements of the Law No. 265 and the NBU Regulation “On Performing Operations in National Currency” to register and perform cash withdrawal operations using the settlement transaction registrars in an appropriate manner in order to avoid claims from the State Tax Service.

What should I do if a card transaction has failed?

Call 3700 (if you paid with a PrivatBank card) or call the bank which issued the card.