BVR: online digital bank app 2.38.1

Bank Vlasnyy Rakhunok presents a digital banking solution tailored for customers of "Silpo," offering a streamlined and versatile financial tool. The service enables users to earn additional balobonus points on purchases, with no restrictions on the transaction amount, encompassing both personal and credit funds—all accessible via a smartphone application. Notably, virtual cards can be issued within three minutes through the Bank Vlasnyy Rakhunok app, providing immediate convenience.

The benefits of using the Bank Vlasnyy Rakhunok card at "Silpo" include:

• 10% cashback on Ukrainian products under the 'National Cashback' program.
• Up to 3% back in balobonus points for food purchases.
• Complimentary top-ups at cash registers within "Silpo."
• Cash withdrawal capabilities at all "Silpo" cash registers, subject to security alerts.
• Access to exclusive promotions and discounts.

Application for the card involves a straightforward process: download the mobile app, verify your identity via the "Diia" platform, complete a registration form, and set your PIN. A virtual card is generated within three minutes, which can then be added to Apple Pay or Google Pay for immediate use. Physical cards are available at "Silpo" cash registers, with the issuance fee refunded as balobonus points after your first purchase.

Balobonus points accrued include:

• A guaranteed 1% return on food purchases at "Silpo."
• If spending exceeds 10,000 UAH in any location with the card, an increased 2% balobonus return on "Silpo" food purchases is awarded next month.
• Purchases of "Premiya" branded products earn a 3% balobonus rebate from "Silpo."
• Balobonus points can be redeemed for rapid delivery services at "Silpo," MAUDAU, or LOKO—sometimes as early as the following day.
• Conversion rate of 1 balobonus to 1 UAH maximizes benefits.

The credit component offers a virtual credit card compatible with Apple Pay and Google Pay, with limits up to 100,000 UAH and a grace period extending up to 62 days. Interest during the grace period is negligible (approximately 0.00001% monthly), increasing to 3% per month (equivalent to an annual rate of approximately 43.1%) post-grace period.

Installment payments are available for purchases over 500 UAH, allowing repayment over three months with no additional charges aside from a 2% monthly fee. The full receipt amount is reimbursed to the user's account.

Currency cards in USD or EUR can be opened free of charge. Virtual cards are issued digitally within the app, with options for cash top-ups via Bank Vostok and non-cash transfers. The platform facilitates online currency purchases without commissions and provides real-time exchange rates; transfers to foreign bank accounts incur only a 1% fee.

Deposit offerings include UAH deposits with terms up to 12 months offering annual interest rates between 7% and 14.5%. Currency deposits for a 95-day term yield around 0.1% annually, available in UAH, USD, and EUR.

The "Nazbyratus" savings account accrues interest at 5% annually, calculated daily, with flexible access to funds for deposits and withdrawals at any time.

Payments and transfers feature zero-percent fees for express transfers within Ukraine, utilities payments, mobile top-ups, train tickets, traffic fines from MVS, pension contributions, and donations to the Armed Forces of Ukraine. The platform supports detailed expense tracking, quick money movements, and optional insurance applications through OSCPW.

The bank provides round-the-clock support via chatbots integrated into popular messaging apps, delivering updates on news and product offerings from Bank Vlasnyy Rakhunok.

Potential clients are encouraged to download the app directly and begin utilizing these features effortlessly online.

For more information, visit: https://bvr.ua

JSC "BANK VOSTOK" holds a banking license issued by the National Bank of Ukraine (№204) dated October 18, 2011. It is registered under number 283 in Ukraine's state bank registry and is based in Kyiv.