ProCreditBank Ukraine

What ProCreditBank Ukraine does

ProCreditBank Ukraine (АТ «ПроКредит Банк») is a private Ukrainian joint-stock commercial bank headquartered in Kyiv, operating under National Bank of Ukraine License No. 195 since 13 October 2011 and first registered in the State Register of Banks on 28 December 2000. The bank serves three customer segments: private individuals (retail), sole proprietors (FOP — fizychna osoba-pidpryiemets), and small-to-medium enterprises (SMEs), with business clients accounting for 98% of the loan portfolio. Distribution comprises four branches in Kyiv, Dnipro, Odesa, and Lviv (all generator-equipped and accessibility-compliant), NFC-enabled self-service zones, a mobile app for iOS and Android, and web-based internet banking. The bank is wholly owned by ProCredit Holding AG of Germany and operates within the international ProCredit Group, which spans 12 countries across Southeast and Eastern Europe.

The product offering is organized by segment. Retail clients access tiered tariff packages (Classic free-or-100 UAH/month, Platinum 300 UAH/month, Infinite 1,500 UAH/month), a FlexSave demand savings account paying 5% p.a. in UAH, term deposits up to 15.5% p.a. in UAH, and a credit limit at 29% p.a. (33.4% annual effective rate). Sole proprietors receive a unified tariff package at 100 UAH/month with free intra-bank transfers, free FX account servicing, and a 6% p.a. savings account. Business clients access term deposits, the entry-level 'Pershyi' tariff at 1 UAH/month, multi-currency accounts (UAH/USD/EUR/GBP/PLN/CHF/CNY), the state-subsidized 5-7-9% lending programme, green loans, and the ProConnect cross-border B2B networking platform (launched March 2026 via b2match). Core technology includes cloud infrastructure hosted in Frankfurt, full integration with Ukraine's Diia government digital-identity app for remote account opening, NFC-enabled ATMs, and a proprietary CO2 calculator tool deployed across all ProCredit Group countries.

The revenue model rests on three subscription-recurring streams: (1) net interest income on lending to MSMEs, sole proprietors, and retail borrowers, including a green loan portfolio of EUR 116.2 million in Ukraine; (2) fee and commission income from account maintenance, card-to-card transfers, FX margin, and transaction fees across the tiered packages; and (3) net interest spread from deposit-taking against the lending book, with retail term deposit costs up to 15.5% p.a. Cost of capital is subsidized through repeated access to development finance institution facilities — most recently a EUR 20 million, 5-year EFSE Ukraine Sub-Fund facility in February 2026 that finances 150+ MSME sub-loans in UAH and qualifies as an EU SFDR Article 9 sustainable investment. Customer acquisition blends digital self-service (Diia onboarding, mobile app), field relationship management for SME/FOP clients, referral programs (500 UAH new-customer deposit bonus, 2,000 UAH business referrals), and institutional co-marketing with EFSE, EBRD, SECO, Roland Berger, and the ProCredit network.

Name

ProCreditBank Ukraine

Legal name

Aktsionerne tovarystvo «ProKredyt Bank» (АТ «ПроКредит Банк»)

Website

https://procreditbank.com.ua

Company type

Private

Founded year

2000

Operating status

Operating

Headcount range

251–500 employees

Short description

ProCreditBank Ukraine is a Kyiv-based commercial bank serving private individuals, sole proprietors, and SMEs via digital and branch channels. Wholly owned by Germany's ProCredit Holding AG, the bank specializes in MSME lending, deposit-taking, and green financing under the ProCredit Group umbrella.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (522110), Depository Credit Intermediation (5221), Savings Institutions and Other Depository Credit Intermediation (522180)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

National Development Banks & State Development Finance Institutions (DFIs) (BPADACAC)

akta.pro secondary industry

Multi-Currency Accounts, Wallets & IBAN Services (FSAMAIAG)

Keywords

• MSME banking services
• Green financing loans
• Retail deposit products
• Business current accounts
• Foreign exchange services

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Net Interest Income (Lending): ProCreditBank earns interest income by extending credit to MSME clients, sole proprietors, and retail clients. Lending products include term loans, credit limits (29% p.a. for retail), green loans for energy efficiency and renewable energy projects, and MSME financing through development finance institution facilities (EFSE, EBRD). The green loan portfolio in Ukraine reached EUR 116.2 million.
2. Fee and Commission Income: The bank charges account maintenance fees (Classic: free or 100 UAH/month; Platinum: 300 UAH/month; Infinite: 1,500 UAH/month), transaction fees (card-to-card transfers at 1%+5 UAH for Classic, 0.5%+5 UAH for Platinum), and foreign exchange margins. Sole proprietor package is 100 UAH/month. These fees constitute a recurring revenue stream from the client base.
3. Deposit Taking and Interest Spread: ProCreditBank accepts deposits from retail and business clients, paying interest on savings accounts (5% p.a. UAH for retail, 6% p.a. for FOP) and term deposits (up to 15.5% p.a. in UAH), earning the spread between lending rates and deposit rates. The bank also participates in state deposit guarantee schemes.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels10 records

Core offering

ProCreditBank Ukraine is a commercial bank providing current and savings accounts, term deposits, credit limits, payment cards, foreign exchange, and green/MSME lending to private individuals, sole proprietors (FOP), and SME/business clients in Ukraine. Services are delivered through digital channels (mobile app, Internet Banking, Diia-integrated remote onboarding), self-service zones (NFC-enabled ATMs and electronic deposit safes), and four physical branches. It operates under NBU License No. 195 and is a member of Ukraine's Deposit Guarantee Fund, with the green credit portfolio in Ukraine reaching EUR 116.2 million.

Product overview

ProCreditBank Ukraine operates as a multi-channel commercial bank serving private individuals, sole proprietors (ФОП/FOP), and business clients. The product portfolio is organized around three customer segments with overlapping service layers: (1) Retail Banking — delivered through the ProCredit Bank Ukraine mobile app and internet banking platform, offering current accounts (Classic/Platinum/Infinite tariff tiers), a Savings Account (5% p.a.), a Term Deposit (up to 15.5% p.a.), a Credit Limit (29% p.a.), and promotional products including a UAH 500 new-customer deposit bonus and referral programmes; (2) Sole Proprietor Banking — centered on the Unified Tariff Package (UAN 100/month), with Visa Business cards, savings accounts (6% p.a.), currency operations, internet banking, and a Salary Project for managing employee payrolls; (3) Business Banking — offering business term deposits (up to 11% p.a. in UAH), the low-cost 'First' tariff package (UAH 1/month), green lending for sustainable projects, currency advisory services, the state-subsidized 5-7-9% lending programme, and partnership programmes. The cross-cutting digital platform ProConnect provides business networking across 12 countries in the ProCredit regional network.

Differentiator

Problem solved

Functional benefit

Brands

• ProConnect: A digital business networking platform for clients in the Southeast and Eastern Europe region, connecting ProCredit clients across 12 countries.
• FlexSave

Products and services

• Current Account (Multi-currency) Primary banking account available in UAH, USD, EUR, GBP, PLN, CHF, and CNY, offered with tiered tariff packages (Classic, Platinum, Infinite) for individuals and a unified package for sole proprietors (FOP). Supports payment cards, IBAN transfers in UAH, and internet banking.
• Savings Account (FlexSave / Oshchadnyi Rakhunok) A flexible on-demand deposit offering 5% p.a. interest in UAH, free access to funds, monthly interest payouts, and a maximum balance of 50,000,000 UAH. Term from 1 day; no minimum balance.
• Term Deposit (Strokovyi Depozyt) Fixed-term deposit for private individuals with rates up to 15.5% p.a. in UAH and up to 0.8% in USD/EUR. Minimum 10,000 UAH; 3-24 month terms; monthly interest payments.
• Credit Limit (Overdraft) Overdraft/credit limit facility offering 15,000-500,000 UAH with a fixed 29% p.a. interest rate (33.4% annual effective rate). Interest is charged only on utilized funds; minimum official income 15,000 UAH/month.
• ProCredit Bank Ukraine Mobile App Digital banking application for iOS and Android enabling customers to open accounts (including via Diia integration), manage deposits, apply for credit, conduct currency exchange, transfer funds, and access savings accounts.
• Internet Banking (Retail) Web-based online banking platform for retail customers, providing account management, fund transfers, currency exchange, and deposit operations.
• Unified Tariff Package for Sole Proprietors (FOP) Bundled banking package for individual entrepreneurs (FOP) at UAH 100/month, offering free income withdrawal to own account, free foreign currency account maintenance, free currency sale on the Ukrainian FX market, 6% p.a. savings account in UAH, and free intra-bank transfers.
• Visa Business Card for Sole Proprietors Corporate Visa business card for sole proprietors enabling business expense tracking, travel management, supplier payments, and international support services including legal and medical consultations. Free delivery via Nova Poshta.
• Internet Banking for Sole Proprietors Web-based banking platform for sole proprietors providing financial management tools, fast transaction processing, payroll management with customizable staff permissions, and integration with accounting software.
• Salary Project for Sole Proprietors and Businesses Payroll management solution enabling FOPs and business clients to open salary accounts for employees, process bulk salary payments, and offer employees access to Classic, Platinum, or Infinite tariff packages with free project setup and free intra-bank transfers.
• Term Deposit for Business Business term deposits offering up to 11% p.a. in UAH and from 0.25% in USD/EUR, with flexible terms starting from 1 month. A 6% p.a. UAH business savings account is also available.
• First Tariff Package for Business A starter tariff package for business clients offering UAH 1/month account maintenance, providing essential banking services at minimal cost for new SME clients.
• Green Lending (Zelene Kredytuvannya) Specialized lending for sustainable business projects including renewable energy (solar panels), energy efficiency improvements, and eco-friendly technologies. Backed by a EUR 116.2 million green credit portfolio in Ukraine.
• 5-7-9% State Subsidized Lending Programme Government-subsidized lending programme offering loans at reduced interest rates (5%, 7%, or 9%) to qualifying small and medium enterprises for business development, distributed through ProCreditBank as a partner bank.
• Currency Advisor for Business Expert advisory services for business clients on foreign exchange operations, helping manage currency risk, optimize international payment workflows, and execute currency operations efficiently.
• ProConnect Digital Business Networking Platform Digital cross-border business networking platform connecting ProCredit clients across 12 countries in Southeast and Eastern Europe, providing B2B networking, event participation, a digital marketplace, business news, and partner discovery (powered by b2match).

Quantifiable outcome

• 98% of loan portfolio is comprised of business clients, demonstrating deep MSME sector focus
• +6 more outcomes

Named customers2 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration2 records

Feature4 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• CCX Inclusive Business Sàrl (Switzerland)minorStrategic or Co-development Partner · 29 June 2026CCX Inclusive Business Sàrl (consumercentrix.ch) implements the EBRD MSME export support project in partnership with Roland Berger, providing consulting services for Ukrainian SMEs.
• Roland BergerminorStrategic or Co-development Partner · 29 June 2026Global strategic consulting firm providing expert support for the EBRD MSME export initiative, working alongside CCX Inclusive Business Sàrl to help Ukrainian companies develop export strategies for EU markets.
• National Bank of Ukraine (NBU)coreStrategic or Co-development Partner · 27 May 2026ProCreditBank is a partner of the national #ШахрайГудбай payment security campaign organized by the National Bank of Ukraine together with the Cyberpolice Department of the National Police of Ukraine and the State Service of Special Communications and Information Protection of Ukraine. The campaign aims to improve citizens' awareness of payment security, especially in online environments.
• Cyberpolice Department of the National Police of UkrainecoreStrategic or Co-development Partner · 27 May 2026Co-organizer of the #ШахрайГудбай campaign alongside the National Bank of Ukraine and Derzhspetszviazku, focused on preventing payment fraud through social engineering in Ukraine.
• State Service of Special Communications and Information Protection of Ukraine (Derzhspetszviazku)coreStrategic or Co-development Partner · 27 May 2026Co-organizer of the #ШахрайГудбай cybersecurity awareness campaign, supporting efforts to protect Ukrainian citizens from online payment fraud.
• Novaposhta (Nova Poshta)minorChannel Partner/ Reseller/ Distributor · 27 May 2026Nova Poshta, Ukraine's leading private postal operator, serves as a card delivery partner, enabling ProCreditBank clients to receive their payment cards at Nova Poshta branches nationwide.
• WE Finance CodecoreStrategic or Co-development Partner · 7 May 2026ProCreditBank announced its joining of WE Finance Code to strengthen support for women entrepreneurs. The initiative aims to improve access to finance and business development opportunities for women-owned SMEs.
• Diia (Ukrainian Government Digital Identity App)coreTechnology or IntegrationProCreditBank integrates with Ukraine's Diia government application to enable fully digital account opening for private individuals, using digital identity verification without requiring a branch visit.
• Deposit Guarantee Fund of Ukraine (FGVFO)coreOthersProCreditBank is a member of the Deposit Guarantee Fund of Ukraine (Certificate No. 131 dated 08.11.2012), providing deposit insurance to private individuals. During martial law and 3 months after, 100% of deposits are guaranteed; thereafter minimum 600,000 UAH.

Scale indicators11 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• KredoBank (PKO Bank Polski subsidiary): Ukrainian commercial bank majority-owned by Poland's PKO Bank Polski, focused on retail and SME lending with a similar foreign-strategic-shareholder structure and product mix (deposits, term loans, current accounts, internet banking). Closely comparable in positioning to ProCreditBank.
• ProCredit Bank (ProCredit Group peers in other markets): Sister ProCredit subsidiaries across the Balkans, Eastern Europe, and the Caucasus (e.g., ProCredit Bank Albania, ProCredit Bank Kosovo, ProCredit Bank Serbia) operate the same MSME-focused, direct-to-customer, development-finance-backed model. Identical playbook and product set, differing only by geography.
• UkrSibbank (BNP Paribas Group): Ukrainian subsidiary of BNP Paribas, one of the country's largest banks by assets, serving retail, SME, and corporate clients. Comparable as a foreign-affiliated universal commercial bank operating in the same Ukrainian market with overlapping deposit and lending products.
• Raiffeisen Bank Ukraine: Ukrainian subsidiary of Austrian Raiffeisen Bank International, offering retail, SME, and corporate banking with a similar international European parent and comparable deposit/lending product set. Most directly comparable to ProCreditBank as a foreign-affiliated Ukrainian commercial bank competing for the same SME and retail customer segments.
• Credit Agricole Bank Ukraine: Ukrainian subsidiary of the French Credit Agricole Group, serving retail, SME, and corporate customers with a similar international banking parent. Directly comparable as a foreign-owned commercial bank competing for SME and retail relationships in Ukraine.

Broad incumbents

• Oschadbank: State-owned Ukrainian savings bank and one of the largest deposit-taking institutions in the country. Comparable as a depository credit intermediary serving retail and SME clients across Ukraine, though much broader in mandate and scale than ProCreditBank's MSME-focused franchise.
• PrivatBank: Ukraine's largest commercial bank with the dominant nationwide retail deposit and payments franchise. Directly comparable as a Ukrainian commercial bank serving retail and SME customers, but PrivatBank is a state-majority universal incumbent vastly larger in scale than ProCreditBank's MSME niche.

Others

• Banque européenne pour la reconstruction et le développement (EBRD) — as a partner/comparator: Not a direct commercial competitor but a strategic development finance counterparty. Included as an 'others' peer because EBRD's MSME export support initiative (with Swiss SECO funding) is structurally integrated into ProCreditBank's MSME lending pipeline, making EBRD's capital allocation decisions a key comparable driver of ProCreditBank's growth.

Regional players

• Tascombank: Privately-held Ukrainian commercial bank offering retail, SME, and corporate banking services. Comparable as a private mid-sized Ukrainian commercial bank competing in similar segments, though without the international group backing or explicit MSME-development mandate.
• Pivdennyi Bank (FUIB): One of Ukraine's larger privately-owned commercial banks serving retail and SME clients with a strong Kharkiv/southern Ukraine regional presence. Comparable as a private Ukrainian commercial bank focused on corporate and SME lending, though more concentrated regionally and without ProCreditBank's DFI-backed MSME specialization.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/ProCreditBankUkraine
• LinkedInlinkedin.com/company/procredit-bank-ukraine
• Instagraminstagram.com/procreditbank.ukraine

Compliance14 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ProCreditBank Ukraine