Finance · Banks of Ukraine
Banks in Ukraine 2026: full list
20 largest operating banks in Ukraine with NBU licences. State-owned, private, and foreign-owned. Sorted by market share. Bank profiles, retail and business products, contacts, history.
The Ukrainian banking system in 2026
As of early 2026, Ukraine has more than 60 operating banks licensed by the National Bank of Ukraine. About 20 of those are large universal banks with broad branch networks and full product ranges. The rest are niche or regional. Total banking-system assets exceed UAH 3.5 trillion (~$80 billion).
State-owned banks
State-owned banks hold ~55% of banking-system assets — a legacy of the 2016 PrivatBank nationalization and the 2023 Sense Bank (formerly Alfa-Bank) takeover. State-owned banks: PrivatBank, Oschadbank, Ukrgasbank, Sense Bank.
How to choose a bank in Ukraine
Key criteria:
- Size and stability — critical for long-term deposits and large savings. Top-5 banks by assets carry the lowest licence-revocation risk.
- Mobile banking quality — defines everyday convenience. Leaders: monobank, Privat24, Sense, A-Bank, Mono Business.
- Fees and tariffs — for active users, monthly cost can differ by UAH 200–500 across banks. monobank and Sense offer free service on entry tiers.
- Bank segment — agribusiness: Credit Agricole, Kredobank. Premium: Raiffeisen, OTP, UkrSibbank. SME: PUMB, ProCredit.
- Deposit Guarantee Fund (DGF) — covers up to UAH 600,000 per depositor per bank (since 1 April 2024).
FAQ
How many banks are there in Ukraine in 2026?
As of early 2026 — over 60 operating banks with NBU licences. This page profiles the 20 largest and most recognized.
Which is the most reliable bank in Ukraine?
By asset size and state guarantee, state-owned banks lead: PrivatBank, Oschadbank, Ukrgasbank. Among private — PUMB is the most stable. Among foreign-owned — Raiffeisen Bank (part of Austria's RBI Group).
How much does the Deposit Guarantee Fund cover?
Since 1 April 2024, the Ukrainian Deposit Guarantee Fund (DGF) covers up to UAH 600,000 per depositor per bank.
Where can I open a foreign-currency account in Ukraine?
Any bank on this list supports foreign-currency accounts (USD, EUR; less commonly GBP, CHF). Most convenient: monobank (USD, EUR only), PrivatBank, Raiffeisen. For PLN accounts — Kredobank (part of Poland's PKO BP).