Unex Bank review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Unex Bank suits Ukrainian customers who want a virtual multi-currency card to hold with no monthly charge, and its credit card comes with an annual fee of UAH 0. The rate to watch sits on the credit side, so heavy borrowers should weigh it before applying.
Key facts
- Best for
- Fee free monthly banking on a virtual multi-currency card in Ukraine.
- Monthly fee
- UAH 0 (Source, checked September 26, 2026)
- Free ATM withdrawals
- UAH 20,000 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 0.5% to 4% (Source, checked September 26, 2026)
- Currencies
- 3 (Source, checked September 26, 2026)
- Legal entity
- Joint Stock Company UNEX BANK (AT UNEX BANK) (Source, checked September 26, 2026)
- Headquarters
- Ukraine (Source, checked September 26, 2026)
- Founded
- 1993 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Virtual card, Travel
- Official website
- unexbank.ua
Credit cards
- Annual fee
- UAH 0 (Source, checked September 26, 2026)
- APR
- 52% (Source, checked September 26, 2026)
- Rewards type
- Cashback (Source, checked September 26, 2026)
- Rewards rate
- 1.5% cashback on all settlement operations from 1 UAH, capped at 3,000 UAH per month (Source, checked September 26, 2026)
- Perks
- Credit limit up to 500,000 UAH, Grace period up to 62 days (0.0001% rate during grace), Free virtual card issue, free mobile app, Own-money transfers to other Ukrainian banks and cash withdrawal free up to 20,000 UAH per month, Free utility and service payments in the Unex Bank app, Diia digital signature online onboarding, Up to 3,000 UAH cashback paid monthly to the card (Source, checked September 26, 2026)
- Cashback rate
- 1.5% (Source, checked September 26, 2026)
- Card kind
- Credit (Source, checked September 26, 2026)
- Legal entity
- Joint Stock Company UNEX BANK (AT UNEX BANK) (Source, checked September 26, 2026)
- Headquarters
- Ukraine (Source, checked September 26, 2026)
- Founded
- 1993 (Source, checked September 26, 2026)
- Support channels
- Phone, Email, Help-centre (Source, checked September 26, 2026)
- Pricing model
- No annual fee
- Features
- Multi-currency, Virtual card, Travel
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInfacebook.com
Pros and cons
Pros
- The model is no annual fee, and the virtual debit card's monthly fee is UAH 0.
- Listed features are multi currency, virtual card and travel, and the multi-currency account holds 3 currencies.
- Rewards are cashback, and cash withdrawals are free up to UAH 20,000 a month.
- Own-money transfers to other Ukrainian banks and in-app utility and service payments come with the account.
Cons
- The credit card's annual percentage rate is 52%, above the site median at 20.97%.
- The reward rate runs 0.5% to 4% across the card range, so the return depends on which card you open.
- Support runs on phone, email and help centre only, with no live chat listed.
Who it suits
- Customers in Ukraine who want a virtual debit card for multi-currency spending and cashback rewards.
- People who take out their own money often, with UAH 20,000 free at ATMs each month.
- Borrowers who settle balances inside the grace period and value an annual fee of UAH 0.
Who should look elsewhere
- Wise, for readers who want to hold and spend a wider spread of currencies than the 3 available here.
- Varo Believe Secured Credit Card, if a secured credit card with a monthly fee of $0 suits you better than a Ukrainian multi-currency account.
- Chime Card (Secured Visa Credit Card), for readers who want a secured credit line rather than borrowing at 52%.
The company behind it
Unex Bank trades as Joint Stock Company UNEX BANK (AT UNEX BANK) and is headquartered in Ukraine, where it has operated since 1993. It is supervised by the National Bank of Ukraine under banking licence 56, so the licence sits with the bank itself rather than a partner or agent. Customer service runs on phone, email and help centre.
How Unex Bank compares
9.2 vs 9.4
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9.2 vs 8.5
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9.2 vs 9.0
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9.2 vs 9.1
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9.2 vs 8.8- 9.2 vs 8.8
- 9.2 vs 8.8
9.2 vs 8.8- 9.2 vs 8.8
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9.2 vs 8.0
9.2 vs 8.0
Where Unex Bank is available
- Available
- Ukraine
- Licence in Ukraine
- National Bank of Ukraine (NBU) (56), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Unex Bank virtual debit card cost to keep?+
The virtual debit card has a monthly fee of UAH 0, and the pricing model is listed as no annual fee. The borrowing side is separate and carries an annual fee of UAH 0, so a card used lightly for everyday spending has no running charge of its own.
What does it cost to borrow on the Unex Bank credit card?+
The credit card's annual percentage rate is 52%, well above the site median at 20.97%. It is a credit card with a grace period on new spending, so a balance cleared inside that window avoids the rate while anything left unpaid accrues it.
How much can I withdraw from ATMs each month without a charge?+
Cash withdrawals of your own money are free up to UAH 20,000 a month. The same allowance covers transfers of your own money to other Ukrainian banks, so both everyday cash needs and payments to friends and family fall under one limit.
What rewards does Unex Bank pay on spending?+
The reward type is cashback. The Smart virtual card with a credit limit pays 1.5% on settlement operations, credited monthly to the card and capped each month, while the wider card range shows a reward rate of 0.5% to 4%.
Which currencies can I hold and spend?+
The multi-currency account holds 3 currencies, and the features listed are multi currency, virtual card and travel. The card is positioned for travel and everyday spending in a small set of currencies, so readers who need a wider spread are better served by a specialist multi-currency account.
Who regulates Unex Bank, and what licence does it hold?+
Unex Bank is headquartered in Ukraine and is supervised by the National Bank of Ukraine, which issued its banking licence 56. The legal entity behind the accounts is Joint Stock Company UNEX BANK (AT UNEX BANK), and the licence belongs to that bank.
How do I reach Unex Bank support?+
Support runs on phone, email and help centre, which means a phone line, an email address and a help centre. Live chat is not in that list, so anyone who prefers instant messaging will have to work with one of the listed channels.
Sources
- unexbank.ua/privatnim-osobam/kartki/card-virtualna-debeto... checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Cashback rate, Currencies, Features, Monthly fee
“CARD: 'Otrimannia gotivky z fizychnoi kartky u kasi Unex Bank, bankomatakh bankiv Ukrainy - Bezkoshtovno v mezhakh limitu 20 000 grn/mis.'”
- unexbank.ua/privatnim-osobam/kartki/kreditni-kartki checked September 26, 2026
Backs: Annual fee, APR, Card kind, Pricing model
“SMART: "Komisiia za obsluhovuvannia kredytu, shchomisiachna - 0%"”
- unexbank.ua/privatnim-osobam/kartki/smart-virtualna-kartk... checked September 26, 2026
Backs: Cashback rate, Perks, Rewards rate, Rewards type
- unexbank.ua/privatnim-osobam/rekviziti checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Support channels, Licences
“Data derzhavnoi reiestratsii: 3 hrudnia 1993 roku”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
Related by the facts
Unex Bank
Fee free monthly banking on a virtual multi-currency card in Ukraine.