PrivatBank, Ukraine's largest commercial bank, has opened access to a new service called "Pidpysky" (Subscriptions), the bank's press service told LIGA.net.
The service lets customers earn discounts and cashback on regular expenses, including payments for digital services, delivery, fuel, groceries and medical consultations.
According to the bank's calculations, total savings across all categories could reach up to 1,000 hryvnias a month, depending on how actively a customer uses the service.
How the tiers work
The service has three levels. The free basic tier removes fees for transfers between PrivatBank cards and offers free top-ups of cards used for payouts.
For 129 hryvnias a month, customers can get cashback of up to 200 hryvnias on payments for streaming and digital services such as YouTube Premium, Megogo, Netflix, Spotify and ChatGPT. This tier also includes cashback of up to 100 hryvnias on deliveries through Nova Poshta, Ukrposhta and Meest, a discount of up to 3 hryvnias per litre on WOG fuel with a monthly limit of 200 litres, offers from the Silpo supermarket chain, and up to five telemedicine consultations a month.
A 297-hryvnia-a-month tier offers a group subscription for up to five users, with higher limits than the individual paid plan.
Bank expects most users to profit
Dmytro Musiienko, a member of PrivatBank's management board responsible for retail business, said the bank's calculations showed that for 95% of active users, the benefit received over a month would significantly exceed the cost of the subscription itself.
PrivatBank was formed through the nationalisation of the country's largest private lender in 2016 and has since remained under state ownership. It serves millions of retail customers across Ukraine and is a major player in the country's card payments and digital banking market.
Wider plans for the bank
The launch of the subscription service comes as PrivatBank's ownership and market position face renewed attention. In June 2026, Ukraine's central bank, the National Bank of Ukraine, said the country was considering taking PrivatBank public through an initial public offering.
PrivatBank itself is also weighing a return to the European market, its chairman, Mikael Björknert, said in May.
