Cashback in March: which banks return up to 20% for purchases
Ukrainian financial institutions have updated their cashback programme terms, offering customers partial refunds for various categories of expenditure. The highest rates traditionally apply when using credit funds, while payments made with own funds yield lower cashback.
Universal programmes: cashback on all purchases
For customers who do not want to choose specific categories of expenses, banks offer universal cashback programmes.
In particular, Unex Bank returns 1.5% of the purchase amount, but sets a limit of up to UAH 3,000 per month.
Alliance Bank offers 1% cashback, but without a limit on the maximum payout amount.
Products and restaurants
In the food category, PrivatBank offers 3% cashback as an individual offer for selected customers.
When paying with credit funds, Globus Bank and Raiffeisen Bank return 2%. Akordbank offers the same rate — 2%.
For cafes and restaurants, monobank offers the highest rate — 6% cashback for credit card payments, but only in establishments connected to the Expirenza system.
Raiffeisen Bank and Accordbank offer 3% cashback for restaurant expenses.
Transport and taxis
In the transport category, some banks offer significantly higher bonuses.
In particular, a-bank provides a 20% discount on Bolt rides and other services with a special Bolt card.
Globus Bank and PUMB offer 20% cashback for small payments on public transport.
For taxi rides, monobank offers 5% cashback when using a credit limit.
PrivatBank charges the same 5% for selected customers — also when paying with credit funds.
Entertainment, beauty and sports
In the leisure and entertainment category, monobank and a-bank return 10% for paying for cinema and theatre tickets with credit funds.
VST Bank also offers 10% cashback on these expenses, regardless of the source of funds.
Radabank charges 10% cashback on book purchases, and PrivatBank charges up to 15% on smartphone games.
In the beauty sector, Radabank offers 8% cashback, and PrivatBank offers 7% for selected customers.
Kredit Dnipro returns 10% on sports expenses when paying with credit funds, while izibank offers 5% regardless of the source of funds.
Pharmacies and medicine
In the medical category, Raiffeisen Bank returns 3% cashback for purchases in pharmacies when paying with credit funds.
VST Bank offers 2.5% cashback at both pharmacies and medical institutions.
izibank offers 2% cashback for medical services paid for with your own funds, and Kredit Dnipro Bank offers 2% when paying with credit.
Special categories
Some banks offer cashback in narrow categories of expenses.
Raiffeisen Bank returns 20% for flower purchases when paying with credit funds and 10% when paying with own funds.
Accordbank offers 20% cashback on home and garden products.
monobank and PrivatBank return 10% for purchases of pet supplies.
Alliance Bank offers 5% cashback on utility bills.
Kredit Dnipro returns 5% for purchases of children's goods when paying with credit funds.
In the clothing and footwear category, PrivatBank and VST Bank offer 3% cashback.
