Банк Власний Рахунок: онлайн

Bank Vlasnyy Rakhunok — a digital bank for "Silpo" guests

With my card, shopping at "Silpo" is super beneficial!

More balobonus points for purchases, both personal and credit funds — all in your smartphone. You can open a virtual card in just 5 minutes using the Bank Vlasnyy Rakhunok app.

Perks for shopping at "Silpo" with the Bank Vlasnyy Rakhunok card:

• 1% back in balobonus points for food purchases

• Free card top-ups at the cash registers

• Cash withdrawals at all "Silpo" cash registers, unless there is an air raid warning

How to get the card?

• Download the Bank Vlasnyy Rakhunok mobile app

• Verify your documents via the "Diia" app, fill out the form, and set your PIN

• Get your virtual card in 5 minutes, add it to Apple/Google Pay, and use it immediately!

• Want a physical one? Get it at the "Silpo" cash register, and the money for it will be refunded as balobonus points after the first purchase.

Balobonus points:

• 1% in balobonus points guaranteed for food purchases at "Silpo"

• Use your balobonus points at "Silpo", MAUDAU, LOKO — quick food delivery as early as the next day after purchase

• 1 balobonus = 1 UAH — for the maximal benefit!

About credit:

• Virtual credit card in your Apple/Google Pay wallet

• Credit limit up to 100,000 UAH, with a grace period of up to 62 days

• Interest rates during the grace period — 0.00001% per month

• Interest rate after the grace period is 3% per month, with an annual equivalent of 43.1%

Installment payments:

• Installment payments for shopping from 500 UAH

• I will refund the entire receipt amount to your card

• Pay in equal installments over 3 months

• Monthly commission — 2%

About currency cards:

• Opening a currency card in USD or EUR — free

• Virtual card in the app without plastic

• Cash top-ups through VST Bank and non-cash transfers from card to card — free

• Convenient way to buy currency online without commission. Check the rate in the bank’s app

• Currency converter — check the exchange rate online in the bank's app

• Instant currency transfers to a foreign bank card, with a commission of only 1%

About deposits:

• Interest rates for UAH deposits with terms up to 12 months, ranging from 7% to 14.5% annually

About "Nazbyratus":

• Open "Nazbyratus" and save for your dreams — 5% per year, calculated daily

• Free access to funds — deposit and withdraw whenever you want

About payments and transfers:

• 0.5% + UAH 5 fee for card-to-card transfers to cards issued by other Ukrainian banks using your own funds

• 4% + UAH 5 fee for card-to-card transfers to cards issued by other Ukrainian banks using credit funds

• Pay for utilities, electricity, and mobile top-ups with no commission

• Smart expense tracking — track all expenses, bills, and finances

Well, do you want to try? Download the Bank Vlasnyy Rakhunok app and get your card easily and online!

Website: https://bvr.ua

JSC "VST Bank". Banking license from the National Bank of Ukraine №204 from 16.09.2025, Ukraine, Kyiv