BVR: Digital Bank Online 4+

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

With my card, shopping at "Silpo" is super beneficial! More balobonus points for purchases, no limit on the amount, both personal and credit funds — all in your smartphone. You can open a virtual card in just 3 minutes using the Bank Vlasnyy Rakhunok app.

Perks for shopping at "Silpo" with the Bank Vlasnyy Rakhunok card:
• 10% cashback on Ukrainian goods under the 'National Cashback' program.
• Up to 3% 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
• Additional exclusive promotions and discounts

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 3 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.

The same balobonus points:
• 1% in balobonus points guaranteed for food purchases at "Silpo"
• Spend more than 10,000 UAH anywhere with my card — get 2% in balobonus points for food purchases at "Silpo" next month
• Buy "Premiya" products, Silpo's brand — "Silpo" will return 3% in balobonus points
• 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 with no extra charges
• 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 Bank Vostok 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
• Interest rate for currency deposits with a term of 95 days — 0.1% annually
• Deposit currency: UAH, USD, EUR

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% commission for express money transfers from card to another Ukrainian bank
• Pay for utilities, electricity, and mobile top-ups with no commission — easy top-ups
• Quickly pay for train tickets, MVS fines for traffic violations, pension fund payments, and donations to the Armed Forces of Ukraine — with no commission
• Expense history, convenient transfers, tracking, and fast money movement
• Apply for OSCPW insurance
• Smart expense tracking — track all expenses, bills, and finances

Bank chat support:
• Chatbot in convenient messengers
• 24/7 support
• Notifications with interesting facts and news from Bank Vlasnyy Rakhunok

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, in the state register of banks №283, Ukraine, Kyiv