BVR: online digital bank app

VST bank

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

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

How to get the card?

Balobonus points:

About credit:

Installment payments:

About currency cards:

About deposits:

About "Nazbyratus":

About payments and transfers:

About this app

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

Ratings and reviews

The bank applies new tariffs retroactively. So you never now how bank will charge you as they could just say that effective date of change was somewhere in past. I don’t recommend trusting your money to a bank like that.

It's ridiculous that banking app could do a maintenance where card stops working at daytime during weekend, when it's time to do groceries.

Lite & easy fin-tech app to cover your banking needs!

What’s new

Підкрутили гайочки, підмастили шестерінки — застосунок тепер літає ще швидше ✨
А балобонуси нікуди не поділись: 1% з кожної покупки в «Сільпо» та на silpo.ua від банку. Навіть якщо товар зі знижкою. Навіть якщо платиш кредитними . Просто та вигідно! Банк для гостей «Сільпо»