А-Банк
A-Банк is a Ukrainian full-license commercial bank (est. 1992, Dnipro) serving retail consumers, families, seniors, and SMEs via physical branches and the àbank24 mobile app, offering cards, consumer credit, deposits, merchant acquiring, and government-program-integrated services such as Diia.Card.
- Company typePublic
- Founded1992
- HeadquartersDnipro, Ukraine
- Headcount101–250
- GTM typeB2C
- OfferingServices
What А-Банк does
A-Банк (PJSC A-BANK, brand "àbank") is a Ukrainian full-license commercial bank established on 30 October 1992 and headquartered in Dnipro, operating across retail, SME, and government-program banking. It serves individual consumers (youth, families, seniors), entrepreneurs, and SMEs through an omnichannel model combining a physical branch/ATM network with the àbank24 mobile application distributed on iOS, Android, and Huawei AppGallery. The product portfolio spans cards (Vygoda cashback, ATB co-branded 5-50% discount, Diia.Card government-integrated), consumer credit (Швидка готівка up to UAH 500,000, Розстрочка на витрати up to 24 parts, Плати частинами up to 25 POS installments), deposits (Online deposits with transfer-bonus), merchant acquiring, business banking, insurance, safe deposit boxes, international money transfers, and the єЧек state e-receipt integration.
The underlying technology is a mobile-first digital banking platform with the àbank24 app as the central interaction surface, supported by traditional online banking infrastructure and integration with Ukraine's Diia government digital platform. There is no disclosed public API, SDK, or proprietary AI/ML capability; technology differentiation centers on usability (digital card issuance in minutes, free issuance), distribution breadth (multi-store app availability), and interoperability with state fiscal and government-benefit systems rather than advanced data science.
The revenue model is a multi-stream retail and SME banking franchise: net interest spread from deposits and consumer loans, interchange and merchant-funded cashback fees on card transactions, merchant acquiring commissions, business banking fees, and ancillary services (insurance partnerships, safe deposit box rentals, money transfer commissions). Customer acquisition is driven by co-branded retail partnerships (ATB, Epicentr, Bolt), government program participation (National Cashback, СвiтлоДIМ, Diia.Card), and a referral program ("Запроси друга"). The bank operates exclusively within Ukraine with no disclosed international footprint.
А-Банк firmographics
Firmographics- Name
- А-Банк
- Legal name
- АТ «А-БАНК»
- Website
- https://a-bank.com.ua
- Company type
- Public
- Founded year
- 1992
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- A-Банк is a Ukrainian full-license commercial bank (est. 1992, Dnipro) serving retail consumers, families, seniors, and SMEs via physical branches and the àbank24 mobile app, offering cards, consumer credit, deposits, merchant acquiring, and government-program-integrated services such as Diia.Card.
- Ownership category
- akta.pro rank
А-Банк industry classification
Industry- Product category
- Retail Banking
- NAICS
- Commercial Banking (52211)
- SIC
- National Commercial Banks (6021)
- akta.pro primary industry
- Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)
- akta.pro secondary industries
- Customer Experience & Engagement (CRM, Support, Rewards, Loyalty) (FSAGAAAM), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD), Credit Cards & Revolving Credit (FSABAAAC)
Keywords
Where А-Банк is headquartered
LocationHeadquarters
- HQ city
- Dnipro
- HQ country
- Ukraine
- HQ region
- Europe
Offices1 record
Markets served
А-Банк business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Retail Banking Services: Traditional banking revenue from interest income on consumer loans, credit card revolving balances, and installment financing. Fee income from account maintenance, card transactions, and service charges.
- Deposit Taking and Interest Spread: Accepts retail deposits (вклади фізичних осіб) and pays interest, earning spread between lending rates and deposit rates.
- Card Transaction Fees and Cashback: Earns interchange fees on card transactions. Offers cashback programs funded by merchant partnerships (ATБ, Епіцентр) and national programs.
- Business Banking and Acquiring: Provides business current accounts, merchant acquiring (торговий еквайринг), and business financing products to entrepreneurs and corporate clients.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Quick Cash Loan: up to 500,000 UAH for personal needs |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels4 records
А-Банк product offering
Product offeringCore offering
A-Bank is a Ukrainian commercial bank offering retail and business banking services through its àbank24 mobile application and physical branch network. Core offerings include co-branded cashback debit cards (Vygoda, ATB, Diia.Card), consumer credit products (Quick Cash loans up to 500,000 UAH, installment conversions, point-of-sale installments), retail deposits, merchant acquiring, government-integrated electronic receipts (єЧек), insurance, safe deposit boxes, and international money transfers.
Product overview
А-Банк is a Ukrainian commercial bank operating as a single-platform banking ecosystem centered on its àbank24 mobile application. The product portfolio includes: (1) Core digital banking via àbank24 app with card management and financial services; (2) Co-branded and feature cards including Картка «Вигода» (1-2% cashback), Картка «АТБ» (5-50% discounts at ATB supermarkets), and Дія.Картка (government-integrated); (3) Credit products including Швидка готівка quick loans (up to 500,000 UAH), Розстрочка на витрати (24-installment conversion), and Плати частинами POS installments (up to 25 payments); (4) Deposit products with Online deposit accounts; (5) Business services including merchant acquiring and єЧек state e-receipt service; (6) Value-added services including insurance, safe deposit boxes, and international money transfers. All services are interconnected through the central àbank24 mobile platform with physical branch support.
Differentiator
Problem solved
Functional benefit
Brands
- abank24: Mobile banking application allowing customers to manage their finances online, apply for cards, receive cashback and benefits.
Products and services
- àbank24 Mobile Banking Application Mobile banking application for individual and business customers enabling free card issuance, account management, cashback programs, loan applications, deposits, and money transfers on iOS, Android, and Huawei AppGallery.
- Картка «Вигода» (Vygoda Card)
Companies that use А-Банк
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles2 records
А-Банк technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
А-Банк partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered minor and core.
- БФ «Захисти небо» (Protect the Sky Charitable Foundation)minorJoint charitable initiative to raise 3,000,000 UAH for 10 Mavic and Matrice drones and 3 pickup trucks for defense purposes. Demonstrates bank's social responsibility and community engagement during wartime.
- СвітлоДІМ (Government Program)coreА-Банк became a partner in the government program СвітлоДІМ (LightHOME) as of June 9, 2026. Program likely relates to housing/energy support. Partnership enables bank to participate in state-subsidized financing.
- АТБ (Supermarket Chain)coreCo-branded ATБ credit card partnership offering customers 5% to 50% cashback on supermarket purchases. Partnership drives both card acquisition and transaction volume. Promoted on bank website as key customer benefit.
- ЕпіцентрcorePartner retailer for Vygoda card program providing 2% cashback on all spending and up to 10% discount on Épicentr purchases. Also offers installment payment options (плати частинами) at partner stores.
- BoltminorTransportation partner offering àbank24 app users discounts up to 20% on Bolt rides. Loyalty benefit integrated into mobile banking app.
- Національний кешбек (National Cashback Program)coreParticipating bank in Ukraine's national cashback program offering 5% or 15% cashback on purchases of Ukrainian-made goods. Government program supported by participating banks.
- Дія.Картка (Diia.Card)coreIssues the updated Дія.Картка - a government card consolidating access to all state programs and personal financial needs. Integration with Ukraine's Diia digital government platform.
Scale indicators1 record
Recent moves3 records
Expansion highlights6 records
А-Банк competitors and assessment
Company assessmentBroad incumbents
- PrivatBank: Ukraine's largest commercial bank by deposit base and customer count. Directly comparable as a full-service retail and commercial bank serving Ukrainian consumers and businesses, though materially larger in scale and brand recognition than A-Bank.
- Oschadbank: Ukraine's largest state-owned bank, providing full retail and commercial banking services including deposits, cards, and government program distribution. Comparable as a universal bank competitor, with state-backed scale that exceeds A-Bank.
- Sense Bank (formerly Alfa-Bank Ukraine): Major Ukrainian universal bank offering retail and corporate banking, cards, and consumer credit. Comparable as a mid-to-large full-service commercial bank competing for the same retail segments as A-Bank.
- UKRSIBBANK (BNP Paribas Group): Subsidiary of BNP Paribas operating a full retail and commercial bank in Ukraine with broad deposit, card, and lending products. Comparable as a foreign-owned universal bank competing for retail banking customers and deposits.
- Raiffeisen Bank Ukraine: Subsidiary of Austrian Raiffeisen Bank International, providing retail deposits, cards, consumer loans, and acquiring across Ukraine. Comparable as a universal bank with comparable product breadth and similar target segments.
Direct peers
- Monobank (Universal Bank): Ukraine's leading mobile-first neobank, offering digital-only retail banking, cards with cashback rewards, and POS installment financing. Closely comparable to A-Bank on digital-first retail model, card-cashback programs, and installment products.
- Pivdenny Bank: Mid-tier Ukrainian private commercial bank with a strong retail and corporate franchise, particularly in southern Ukraine. Comparable as a similarly sized private bank competing for deposits, cards, and SME banking customers.
- FUIB (First Ukrainian Investment Bank): Mid-tier Ukrainian private commercial bank providing deposits, cards, consumer lending, and merchant acquiring. Comparable as a similarly sized private bank with overlapping retail and SME banking products.
- KredoBank: Smaller-tier Ukrainian commercial bank with retail deposits, consumer lending, and card products. Comparable as a similarly positioned private bank offering core retail banking services with overlapping customer segments.
Regional players
- Credit Agricole Ukraine: Ukrainian subsidiary of Crédit Agricole Group, offering retail and corporate banking including deposits, cards, and lending. Comparable as a foreign-owned universal bank serving overlapping retail segments in Ukraine.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
А-Банк social profiles
Digital presenceА-Банк financial estimates
Financial estimateRevenue estimate
Valuation estimate
А-Банк leadership team
Management profileNumber of profiles
А-Банк funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
А-Банк M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about А-Банк
What does А-Банк do?
A-Bank is a Ukrainian commercial bank offering retail and business banking services through its àbank24 mobile application and physical branch network. Core offerings include co-branded cashback debit cards (Vygoda, ATB, Diia.Card), consumer credit products (Quick Cash loans up to 500,000 UAH, installment conversions, point-of-sale installments), retail deposits, merchant acquiring, government-integrated electronic receipts (єЧек), insurance, safe deposit boxes, and international money transfers.
Is А-Банк a public or private company?
А-Банк is a public company. It is classified as unknown and is currently operating.
When was А-Банк founded?
А-Банк was founded in 1992. It employs 101 to 250 people.
Where is А-Банк based?
А-Банк is headquartered in Dnipro, Ukraine, in the Europe region.
How does А-Банк make money?
Four revenue lines are on record. Retail Banking Services are the primary driver. The others are deposit Taking and Interest Spread, card Transaction Fees and Cashback and business Banking and Acquiring.
Who are А-Банк's main competitors?
Broad incumbents on record are PrivatBank, Oschadbank, Sense Bank (formerly Alfa-Bank Ukraine), UKRSIBBANK (BNP Paribas Group) and Raiffeisen Bank Ukraine. Direct peers are Monobank (Universal Bank), Pivdenny Bank, FUIB (First Ukrainian Investment Bank) and KredoBank. Credit Agricole Ukraine is listed as a regional player.
Does А-Банк have an API?
No public API is recorded for А-Банк.
What industry is А-Банк in?
А-Банк's product category is Retail Banking. Its primary akta.pro industry code is FSABAAAA, Mass-Market Consumer Deposit Banking (Checking/Savings), with a secondary code of FSAGAAAM, Customer Experience & Engagement (CRM, Support, Rewards, Loyalty). Its NAICS code is 52211 and its SIC code is 6021.