The country’s banking system continues to function, despite the most difficult conditions in which it found itself. We have collected the most significant changes that have occurred over the past week and offer them to your attention.
1. The bankrupt RVS Bank will be sold
The bankrupt RVS Bank, which occurred in 2025, will get a new owner. The winner of the tender for the purchase of the asset was the Estonian fintech group Iute Group AS. The National Bank of Ukraine has already received a full package of documents from the Estonian investor to approve the acquisition of a significant stake. This is stated in the National Bank’s response to a request from Forbes Ukraine.
On December 31, the Deposit Guarantee Fund announced the creation of a transitional bank to replace the bankrupt RVS Bank. This is part of the procedure for selling an insolvent institution. The institution was named “Iute Bank”. The transitional bank belongs to the Deposit Guarantee Fund until the winner of the tender receives permission from the NBU to acquire a significant stake in this bank.
The NBU is currently conducting a final review of the Estonian buyer. After the official approval of the regulator, Iute Group will become the full owner of the bank in Ukraine.
2. Sense Bank extended the term of the promotional installment
Sense Bank extended the term of the “Instant installment on the Aktsiyna 3.0 card” program until December 31, 2026 on promotional terms: the rate is 0.01% per annum, without a monthly commission, the minimum amount is UAH 1,000. The promotion is valid for installments issued from the “RED 2.0”, “RED Cash” and “Maximum Cash” cards.
3. Banks change interest rates on deposits
Three banks at once last week were noted for their active revision of interest rates on deposits in both national and foreign currencies.
Alliance Bank has reduced interest rates on 3, 6 and 9-month UAH deposits by 0.10% per annum:
3 and 6 months – from 15.10 to 15% per annum
9 months – from 15.35 to 15.25% per annum,
at the same time, it has increased the interest rate on 12-month UAH deposits from 14.25 to 16.20% per annum.
Alliance Bank has also increased interest rates on 9 and 12-month USD deposits: 9 months – from 1.20 to 1.30% per annum; 12 months – from 1.90 to 2% per annum, while reducing interest rates on 3 and 6-month USD deposits from 0.90 to 0.80% per annum.
Kominbank increased interest rates on 9- and 12-month hryvnia deposits: 9-month deposits from 15.30 to 16% per annum; 12-month deposits from 15.50 to 15.70% per annum, while reducing the interest rate on 6-month hryvnia deposits from 15.30 to 15.25% per annum.
Lviv Bank reduced interest rates on 3-, 6-, 9-, and 12-month US dollar deposits:
3-month deposits from 1.75 to 1.65% per annum;
6- and 9-month deposits from 2.25 to 2.15% per annum;
12-month deposits from 2.50 to 2.30% per annum.
Also, Bank Lviv has reduced interest rates on deposits in euros for 3, 6, 9 and 12 months:
for 3 months – from 0.75 to 0.60% per annum;
for 6 and 9 months – from 1.25 to 1.10% per annum;
for 12 months – from 1.75 to 1.50% per annum.
4. Banks change tariffs and terms of service for their cards and products
From January 1, 2026, Pivdenny Bank has changed tariffs for servicing current accounts using payment cards for individuals. It is now possible to issue cards of the National Payment System “SPACE”. These cards can be issued in the “Card for Payments” tariff only at bank branches.
Pivdenny Bank also set a limit on the maximum number of open accounts with payment cards, card registration and reissuance – no more than 5 times during a calendar month.
From January 26, 2026, Yunex Bank is changing the tariffs for its SMART credit and debit card. The commission for transfers to foreign bank cards at the expense of the credit limit will change (it was 2.5%, it will become 4.5% + 50 UAH).
The bank is also introducing a commission for transactions (cash withdrawal or transfer to accounts in other banks) with the balance of its own funds after making a decision to terminate the service agreement – 20%. This commission will now also apply to the balance of funds on the SMART card.
From February 1, 2026, the Investment and Savings Bank (BIS) is changing the approach to charging a commission for servicing inactive card accounts. A card account is considered inactive if there are no transactions for 12 consecutive months, except for transactions with the bank debiting the commission for services provided or transactions made. The commission for inactivity is calculated and charged monthly and is applied separately to each inactive card account.
The commission amount from February 1 will be 100 UAH for accounts in national currency or 5 USD/EUR – in foreign currency. If the balance of own funds is less than the commission amount, then it will be charged in the amount of the actual balance of funds on the account. Also, the bank will not charge a commission for servicing inactive accounts if the balance of funds on it exceeds 3000 UAH/50USD/50EUR.
