What Bank Alliance does

Bank Alliance (JSC BANK ALLIANCE, АТ «БАНК АЛЬЯНС») is a Ukrainian commercial bank founded in 1992 and headquartered in Kyiv at Sichovyh Streltsiv Street 50, operating under NBU Banking License No. 97 issued November 17, 2011. The bank serves retail individuals, small and medium businesses, and corporate clients across Ukraine through a network of 30 branches in major cities (Kyiv, Lviv, Odesa, Kharkiv, Dnipro, and 20+ regional centers) and a cloud-based digital platform on Amazon Web Services that supports the Alliance Online unified mobile application, the cb.bankalliance.com.ua corporate online banking portal, and the my.bankalliance.ua agrarian cabinet.

The product set is comprehensive and organized across three segments: personal banking (credit cards such as Startova, Target, Game, and National Cashback; the World Elite Mastercard private banking tier; cash credits up to UAH 300,000; buy-now-pay-later installments up to 24 months; deposit products including the Peremozhny charitable deposit at up to 14.50% UAH; and individual safe deposit boxes), SME banking (business accounts with one year of free maintenance, business credits approved within two hours, credit lines, overdrafts, guarantees, internet acquiring at a flat 1.5% commission rate, Alliance Kasa POS terminals, and government-backed 5-7-9% loans), and corporate banking (multi-currency treasury, FX operations — where the bank ranks 15th in Ukraine's international currency market — securities and depository services, export financing via partnership with the Export-Credit Agency up to 85% of contract value, collection services, and payroll projects).

Revenue is generated primarily through net interest income from lending (cash credits, business credits, agro credits, export financing, credit lines), commission and fee income (payment services, internet acquiring at 1.5%, card operations, money transfers, currency exchange), and deposit operations across multiple currencies. The bank participates in international payment systems (Mastercard, VISA) and national systems (UkrKart, PROSTIR), supports Apple Pay and Google Pay, and is a member of the Deposit Guarantee Fund, the Independent Association of Banks of Ukraine, the European Business Association, and the Ukrainian Association of Banks. As of June 2026, total assets stood at UAH 18,345.3 million, regulatory capital at UAH 1,085.4 million, and the credit portfolio at UAH 4,847.9 million, with capital adequacy at 11.2% and liquidity ratios well above regulatory minimums.

Name

Bank Alliance

Legal name

АТ «БАНК АЛЬЯНС»

Website

https://bankalliance.ua

Company type

Public

Founded year

1992

Operating status

Operating

Headcount range

251–500 employees

Short description

Bank Alliance is a Ukrainian commercial bank founded in 1992, headquartered in Kyiv, that serves retail, SME, and corporate clients through 30 branches and a cloud-based digital platform. It offers deposits, lending, payment cards, acquiring, FX, and export financing under NBU License No. 97.

Ownership category

akta.pro rank

Product category

Commercial Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

State Commercial Banks (6022)

akta.pro primary industry

Branch & In-Person Banking (Teller/ATM Networks) (FSABAAAE)

akta.pro secondary industry

Bank & Credit Union Personal Loans (Unsecured Installment) (FSAKAAAL)

Keywords

• Retail banking services
• Corporate banking
• Consumer lending
• Deposit accounts
• Payment processing

Headquarters

HQ city

Kyiv

HQ country

Ukraine

HQ region

Europe

Offices26 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Interest Income: Income from lending activities including cash credits, business credits, agricultural financing, and credit lines. Interest rates vary by product type and term.
2. Commission Income: Fees from payment services including internet acquiring (1.5% commission), money transfers, currency exchange, and card operations.
3. Deposit Operations: Accepting customer deposits in various currencies with competitive interest rates, using deposits for lending and investment activities.
4. Foreign Exchange Operations: Currency trading and exchange services for customers engaged in foreign economic activity, ranked 15th in Ukrainian forex market.
5. Securities and Depository Services: Services related to securities trading, depository activities, and investment products for clients.
6. Safe Deposit Box Rental: Individual safe rental services starting from 17 UAH/day for secure storage of valuables.
7. Insurance Intermediation: Insurance products offered as part of banking services for various life situations.

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Bank Alliance is a Ukrainian commercial bank offering a full range of banking services including deposit accounts, consumer and corporate lending, payment cards, money transfers, currency operations, internet acquiring, securities custody, depository activity, and individual safe deposit box rental. It serves retail individuals, small and medium businesses, corporate clients, agricultural enterprises, exporters, and high-net-worth private banking clients through 30 branches, a contact center, and proprietary digital channels including mobile applications and online banking platforms.

Product overview

Bank Alliance operates as a Ukrainian commercial bank offering a comprehensive range of financial products and services through a unified digital platform and branch network. The bank's product portfolio is organized across three main segments: Personal Banking (retail customers), Small and Medium Business (MSB), and Corporate Banking. Core digital products include the Alliance Online mobile banking application, Alliance Pay digital payment solution, and Alliance Kasa merchant acquiring system. Retail offerings comprise credit cards (Startova, Target, Game, National Cashback, World Elite Mastercard), cash loans up to 300,000 UAH, installment payment plans up to 24 months, and deposit products including the charitable "Peremozhny" deposit supporting Armed Forces. Business banking includes current accounts with 1-year free maintenance, credit lines, overdrafts, state-supported 5-7-9% loans, investment loans up to 60 months, export financing programs, guarantees, and merchant services. The bank also provides specialized services such as currency operations, securities trading, depository services, private banking with Elite packages, and tax refund services. The bank operates 30 branches across major Ukrainian cities and maintains membership in international payment systems (Mastercard, VISA) and national systems (UkrKart, PROSTIR), with integration support for Apple Pay and Google Pay.

Differentiator

Problem solved

Functional benefit

Brands

• Alliance pay: Mobile payment and digital wallet service.
• Alliance kasa
• Alliance online
• Private Banking

Products and services

• Alliance Pay Proprietary digital payment application from Bank Alliance enabling customers to conduct payments and transfers through the bank's digital channel.
• Alliance Kasa Proprietary point-of-sale acquiring solution from Bank Alliance that allows merchants to accept card payments.
• Open Banking API Application Programming Interfaces (APIs) exposed by Bank Alliance for partner integrations under Open Banking, enabling third-party access to banking services and data.
• Cash Loan Unsecured consumer cash loan for individual retail customers of Bank Alliance.
• Installment Payment (Pay Later) Installment plan product ("paying in parts") offered to retail customers of Bank Alliance for spreading purchases over time.
• Product Credit Targeted consumer credit for the purchase of specific goods, offered to retail customers of Bank Alliance.
• Deposit "Peremozhny" Term deposit product for retail customers of Bank Alliance, marketed under the "Peremozhny" name.
• Deposit "Oshchadny" Savings-oriented deposit product for retail customers of Bank Alliance, marketed under the "Oshchadny" name.
• Deposit "Kapitalny" Capital-accumulation deposit product for retail customers of Bank Alliance, marketed under the "Kapitalny" name.
• Individual Safe Deposit Box Rental Rental of individual safe deposit boxes at Bank Alliance for the safekeeping of valuables and documents by retail customers.
• Money Transfers Domestic and cross-border money transfer service for retail customers of Bank Alliance, executed through bank channels.
• Insurance Products Insurance products distributed by Bank Alliance to personal banking clients, including travel and other consumer insurance offerings.
• Credit Card "Startova" Credit card branded "Startova" issued by Bank Alliance to retail customers for everyday spending and credit.
• Debit Card "Target" Debit card branded "Target" issued by Bank Alliance to retail customers for everyday payments and cash access.
• Game Card Themed debit card branded "Game" issued by Bank Alliance to retail customers.
• National Cashback Card National Cashback card issued by Bank Alliance in cooperation with the Ukrainian government's national cashback program for retail customers.
• World Elite Mastercard (Private Banking) Premium World Elite Mastercard issued by Bank Alliance as part of its Private Banking offering for high-net-worth individuals.
• Private Banking Dedicated Private Banking service line at Bank Alliance targeting high-net-worth individuals with personalized service and premium products such as World Elite Mastercard and safe deposit box rentals.
• Business Account (Settlement and Cash Services, RKO) Core settlement and cash management (RKO) account for small and medium businesses of Bank Alliance, supporting payments and cash operations.
• Business Credit General-purpose credit product for small and medium businesses of Bank Alliance.
• Guarantees Bank guarantee product issued by Bank Alliance to business clients to support their contractual obligations.
• Internet Acquiring Online payment acceptance service for business clients of Bank Alliance, enabling merchants to take card payments over the internet.
• Payroll Project Payroll service offered by Bank Alliance to business clients for paying employee salaries and related taxes.
• Corporate Cards Corporate cards issued by Bank Alliance to business clients for corporate spending and travel.
• Credit Line Revolving credit line product offered by Bank Alliance to corporate clients.
• Overdraft Overdraft facility offered by Bank Alliance to corporate clients tied to their settlement accounts.
• State Program Loans 5-7-9% Affordable credit program offered by Bank Alliance to small and medium businesses under the Ukrainian state 5-7-9% loan initiative.
• Investment (Term) Loan Investment-purpose term loan offered by Bank Alliance to corporate clients for capital investments.
• Credit Program for Exporters Dedicated credit program offered by Bank Alliance to support Ukrainian exporting companies.
• Agro Credit

Quantifiable outcome

• 100% compliance with liquidity standards
• +3 more outcomes

Segments6 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

Feature3 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• Export-Credit Agency (EKA)coreStrategic or Co-development PartnerPartnership with Export-Credit Agency (ПАТ 'Експортно-кредитне агентство') to support Ukrainian exporters by providing financing up to 85% of foreign economic contract value and insurance coverage with 0.85 liquidity coefficient.
• MasterCardcoreTechnology or IntegrationInternational payment system membership enabling issuance of MasterCard payment cards including World Elite, World, and other card types.
• VISAcoreTechnology or IntegrationInternational payment system membership enabling issuance of VISA payment cards.
• UkrKartcoreTechnology or IntegrationUkrainian payment system membership for national card processing and transactions.
• PROSTIRcoreTechnology or IntegrationNational payment system membership for Ukrainian card transactions and payments.
• Deposit Guarantee Fund for IndividualscoreOthersMandatory membership in the Deposit Guarantee Fund (Фонд гарантування вкладів фізичних осіб) providing protection for individual deposits.
• Independent Association of Banks of UkraineminorOthersMember of the Independent Association of Banks of Ukraine (Незалежна асоціація банків України) for industry representation and collaboration.
• European Business Association (EBA)minorOthersOfficial member of the European Business Association supporting business development and international trade.
• Ukrainian Association of BanksminorOthersMember of Ukrainian Association of Banks for industry representation.

Scale indicators15 records

Recent moves6 records

Expansion highlights6 records

Broad incumbents

• Oschadbank: State-owned systemically important savings bank with the largest branch network in Ukraine. Comparable deposit and SMB services but with explicit state backing that Bank Alliance lacks.
• PrivatBank: Largest Ukrainian universal bank and state-owned since 2016 nationalization. Sets the competitive ceiling on deposit pricing, card acquiring, and digital channels for peers like Bank Alliance.

Direct peers

• UkrSibbank: Mid-sized universal commercial bank in Ukraine and a subsidiary of BNP Paribas. Comparable to Bank Alliance across retail deposits, SMB lending, corporate banking, and card issuing (Mastercard/VISA).
• Kredobank: Ukrainian universal commercial bank majority-owned by PKO Bank Polski (Poland). Comparable mid-tier asset base with retail, SME, and corporate offerings in the same regulatory framework.
• Ukrgasbank: State-affiliated Ukrainian universal commercial bank with retail, SME, and corporate lines. Comparable in asset size, branch footprint, and regulatory category.
• Raiffeisen Bank Aval: Universal commercial bank in Ukraine, subsidiary of Raiffeisen Bank International (Austria). Comparable retail, corporate, and FX operations with international payment-system memberships.
• ProCredit Bank Ukraine: Foreign-owned (German-origin) mid-sized Ukrainian bank focused on SME and agricultural lending — directly comparable to Bank Alliance's agri and SMB credit positioning.
• Sense Bank (formerly Alfa-Bank Ukraine): Mid-sized Ukrainian universal bank offering retail, SMB, and corporate services including cards, acquiring, and forex — closely overlapping Bank Alliance's product mix and target market.
• Credit Agricole Bank Ukraine: Universal commercial bank in Ukraine, subsidiary of Crédit Agricole Group (France). Comparable corporate, SMB, and retail offerings with international payment-system memberships.
• OTP Bank Ukraine: Universal commercial bank in Ukraine, subsidiary of OTP Group (Hungary). Comparable retail deposit products, card issuing, SMB lending, and corporate banking services.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/@alliance_bank
• Facebookfacebook.com/bankalliance.ua
• Instagraminstagram.com/bankalliance
• LinkedInlinkedin.com/company/bankalliance

Compliance9 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

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 Bank Alliance