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Unex Bank review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Unex Bank serves Ukrainian borrowers who want a direct lender and fixed rates, but the cash loan runs at an APR of 36.12% to 52.47%, well above the site median, 14.7%. The property backed loan opens at an initial rate of 17.9%, and the debit card carries a monthly fee of UAH 0.

Key facts

Best for
A fixed rate cash loan from a direct lender, for Ukrainian borrowers with officially employed income.
APR
36.12% to 52.47%↗
Loan amount
UAH 10,000 to UAH 350,000↗
Term
13 to 49 months↗
Arrangement fee
One-time commission of 3.9% added to the loan principal↗
Credit check
Hard↗
Representative example
White cash loan of 100,000.00 UAH for 25 months at 28.9% per year plus 3.9% one-time commission: total loan cost 39,295.24 UAH, total amount for the consumer 143,195.24 UAH, real annual rate 38.41%↗
Rate type
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
Ukrainian citizens over 21, officially employed, with an income certificate and a positive credit history; cash loan issued in a branch↗
Origination fee (%)
3.9%↗
Loan types
Personal, Credit-line, Debt-consolidation, Secured, Car↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
Joint Stock Company UNEX BANK (AT UNEX BANK)↗
Headquarters
Ukraine↗
Founded
1993↗
Support channels
Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Multi-currency, Virtual card, Travel
Official website
unexbank.ua

Credit cards

Annual fee
UAH 0↗
Rewards type
Cashback↗
Rewards rate
1.5% cashback on all settlement operations from 1 UAH, capped at 3,000 UAH per month↗
Perks
Credit limit up to 500,000 UAH, Grace period up to 62 days (0.0001% rate during grace), Free virtual card issue, free mobile app, Own-money transfers to other Ukrainian banks and cash withdrawal free up to 20,000 UAH per month, Free utility and service payments in the Unex Bank app, Diia digital signature online onboarding, Up to 3,000 UAH cashback paid monthly to the card↗
Cashback rate
1.5%↗
Card kind
Credit↗

Debit cards

Monthly fee
UAH 0↗
Free ATM withdrawals
UAH 20,000↗
Card type
Debit↗
Cashback rate
0.5% to 4%↗
Currencies
3↗

Mortgages

Initial rate
17.9%↗
APRC
27.3%↗
Fixed period
1 year↗
Maximum loan to value
70%↗
Product fee
UAH 4,950↗
Purpose
Purchase, Home-equity↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInfacebook.com

Pros and cons

Pros

  • Lends directly rather than acting as a broker (direct lender), and the cash loan rate is fixed (fixed).
  • Early repayment on the cash loan is free, so clearing the balance ahead of schedule costs nothing extra.
  • The virtual debit card has a monthly fee of UAH 0, holds 3 currencies and offers an ATM allowance of UAH 20,000.
  • Support covers phone, email and help centre, and the property backed loan adds a purchase or home equity route (purchase and home equity).

Cons

  • Cash loan pricing is heavy: an APR of 36.12% to 52.47% against the site median, 14.7%.
  • A commission of 3.9% is added to the loan principal on the cash loan.
  • The property backed loan caps at a maximum loan to value of 70% and carries a product fee of UAH 4,950.
Unex Bank

Ready to try Unex Bank?

Scored 9.2 / 10 by SumCue.

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Who it suits

  • Ukrainian citizens who are officially employed and can show an income certificate with a positive credit history, since the cash loan is paid out in a branch.
  • Borrowers who want a fixed rate and can clear the balance early at no extra cost.
  • Card customers who want a virtual multi currency card for travel, one of the listed features (multi currency, virtual card and travel).

Who should look elsewhere

  • Borrowers chasing the lowest APR: Cashspace advertises PHP 12 to PHP 36, far below the 36.12% to 52.47% on this bank's cash loan.
  • Anyone benchmarking on headline pricing: Sofkredit lists 10.74% to 18.06%, well under the 36.12% to 52.47% cash loan range here.
  • Borrowers who want euro lending: Creduma ES quotes from €12,000, while this bank's cash loan runs UAH 10,000 to UAH 350,000 in UAH.

Safety of your money

Unex Bank lends as a direct lender (direct lender), so the credit agreement sits with the bank rather than a broker. It is licensed by the National Bank of Ukraine (56) and is listed in the Fund for Guaranteeing Deposits of Natural Persons (152). Its published cash loan example is a fixed rate repayment with a commission added to the principal.

How Unex Bank compares

Where Unex Bank is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (56), checked September 26, 2026
Licence in Ukraine
Fund for Guaranteeing Deposits of Natural Persons (FGVF) (152), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate do I pay on a cash loan?+

The cash loan is priced at an APR of 36.12% to 52.47% on a fixed rate (fixed), with a commission of 3.9% added to the loan principal. A published example shows a white loan repaid on a fixed schedule, where the real annual rate comes out above the headline rate once that commission is counted.

How much can I borrow, and over what term?+

The cash loan covers UAH 10,000 to UAH 350,000 with terms of 13 to 49. The property backed loan is separate: an initial rate of 17.9%, a fixed period of 1 and a maximum loan to value of 70%, aimed at a property purchase or a home equity plan (purchase and home equity).

What fees are attached to the loans and cards?+

The cash loan adds a commission of 3.9% to the principal, while the property backed loan charges a product fee of UAH 4,950. On the card side, the virtual debit card has a monthly fee of UAH 0 and the credit card an annual fee of UAH 0, so day to day card costs sit low.

Is my money safe with this bank?+

Unex Bank is licensed by the National Bank of Ukraine (56) and is listed in the Fund for Guaranteeing Deposits of Natural Persons (152). Lending runs straight from the bank (direct lender) rather than through a broker, and it has operated since 1993.

Who qualifies for the cash loan?+

Applicants need to be Ukrainian citizens above a minimum age, officially employed, and able to show an income certificate plus a positive credit history. The bank runs a hard credit check (hard) and expects a good credit profile (good), and the cash is handed over in a branch.

What does the card offer?+

The virtual debit card holds 3 currencies, carries a monthly fee of UAH 0 and an ATM allowance of UAH 20,000. The virtual credit card pays cashback (cashback) of 1.5% on settlement spending, with a monthly cap set by the bank, and supports a grace period on the limit.

Sources

Compiled from 8 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Unex Bank

Unex Bank

A fixed rate cash loan from a direct lender, for Ukrainian borrowers with officially employed income.

9.2/10See alternatives