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How much can your subscription save you each month?
Calculate how much you save with subscriptions. Simply enter your estimated spending in the partner categories and we'll show you your net savings with the subscription fee already deducted.
Your spending with partners
from 0up to UAH 1 200
from 0up to UAH 300
from 0up to 200 l
from 0up to UAH 10 000
Medical concierge from ARXInclude in calculation
Total savings
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saved per month
Total savings
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saved per month
Total savings
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saved together with other participants
Choose a subscription that delivers value from the very first month
A subscription is a service that gives you access to additional benefits for your Universal Card and Payment Card, including better banking rates, increased cashback, discounts and exclusive offers from our partners.
Why did the Bank introduce subscriptions?
We introduced subscriptions to make everyday banking more rewarding and convenient. The service combines savings on everyday banking transactions with special offers from our partners, helping you get more value and save more.
What makes subscriptions better than existing products?
A subscription is not a replacement for your existing cards, but an addition to them. It combines familiar banking products with new benefits, including cashback, better rates and personalized offers. This means you can continue using banking services you are familiar with while enjoying additional benefits.
What are the requirements for subscribing?
A subscription is available to customers who have at least one of the following cards:
Universal/Universal Gold Card;
Payment Card/Gold Payment Card;
Katka24 Card;
Junior Card;
premium cards.
Important! Partner benefits are available regardless of which eligible card you have. Improved banking rates apply only to the Universal Card and the Payment Card.
When can the subscription type be changed at the Bank's initiative?
The Bank may automatically change the subscription type only if the customer fails to pay the monthly fee for a paid subscription (Privat Pro or Shared Pro) on time. In this case, the subscription will automatically be changed to the basic Privat plan.
Please note: If you have a Shared Pro subscription, all participants with whom you share the subscription will also be automatically switched to the basic Privat plan.
Who is the subscription owner?
The subscription owner is a bank customer who subscribes to the service. If a customer subscribes to a paid plan (Privat Pro or Shared Pro), the subscription owner pays the monthly subscription fee. The owner also manages the subscription. For example, with Shared Pro, the owner can invite other customers to join the subscription and share its benefits.
Who is a subscription participant?
A subscription participant is a bank customer who joined the Shared Pro subscription at the invitation of its owner.
Joining is simple: receive an invitation in Privat24 and confirm it by tapping the relevant button. As a participant, you get access to all the benefits, services, and rates included in Shared Pro. You do not need to pay the monthly fee — it is paid by the subscription owner.
Are there any age restrictions for subscription participants?
Yes. A participant must be at least 14 years old and have one of the following cards: Universal / Universal Gold Card, Payment Card / Gold Payment Card, Katka24 Card, Premium Card, or Junior Card.
What is a "Deferred Request"?
A "Deferred Request" means that switching to a new subscription is postponed until the current subscription period ends. The customer continues using the current subscription until the end of the paid period, after which the new subscription is activated automatically.
What grace period applies to the Universal Card with a subscription?
With any subscription, the grace period for using credit funds on the Universal Card is up to 62 days.
To avoid interest charges, the customer must repay the amount owed for the previous month by the last day of the current month.
What will happen to Gold cards after subscribing?
After subscribing, Gold cards switch to the terms and rates applicable to regular cards with a subscription. The customer's existing account and card remain unchanged, so there is no need to replace them.
Card rates will change according to the selected subscription.
