Ukrainian credit cards 2026
A credit card is a revolving credit that allows free use of borrowed funds during the grace period. Pay off the debt before grace ends — no interest charged. After grace, a steep 36-45% APR kicks in. Longest grace periods: Raiffeisen and Credit Agricole — 90 days. Market standard — 55-62 days.
Calculator
Credit calculator
Monthly payment
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Overpayment
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Total cost
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Calculated using the standard annuity formula. Doesn't account for upfront fees, insurance, or servicing charges. The real cost may be higher — verify with the bank before signing.
Comparison across 20 Ukrainian banks
Sorted from lowest rate. All banks hold active NBU licences.
| Bank | Grace | APR after grace |
|---|---|---|
| R Raiffeisen Bank | 90 d | 36% |
| C Credit Agricole Bank | 90 d | 36% |
| O Oschadbank | 60 d | 39% |
| O OTP Bank | 60 d | 39% |
| K Kredobank | 60 d | 39% |
| U Ukrgasbank | 55 d | 40% |
| U UkrSibbank | 55 d | 40% |
| S Sense Bank | 62 d | 40% |
| P Pivdenny Bank | 55 d | 40% |
| T TASkombank | 55 d | 40% |
| B Bank Lviv | 55 d | 40% |
| P PUMB | 60 d | 41% |
| U Unex Bank | 55 d | 41% |
| C Cominvestbank | 55 d | 41% |
| P PrivatBank | 55 d | 42% |
| m monobank | 62 d | 42% |
| A ABank | 55 d | 42% |
| G Globus Bank | 55 d | 42% |
| F Forward Bank | 55 d | 45% |