Unex Bank review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Unex Bank suits people in Ukraine who want a cheap everyday spending card rather than a crypto product. Its virtual debit card has a monthly fee of UAH 0, pays cashback of 0.5% to 4% and covers 3 currencies, and the bank has operated since 1993.
Key facts
- Best for
- A virtual bank card for everyday spending in Ukraine at no monthly charge.
- Monthly fee
- UAH 0↗
- Free ATM withdrawals
- UAH 20,000↗
- Card type
- Debit↗
- Cashback rate
- 0.5% to 4%↗
- Currencies
- 3↗
- Legal entity
- Joint Stock Company UNEX BANK (AT UNEX BANK)↗
- Headquarters
- Ukraine↗
- Founded
- 1993↗
- Support channels
- Phone, Email, Help-centre↗
- Features
- Multi-currency, Virtual card, Travel
- Official website
- unexbank.ua
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App StoreGoogle Play
- Elsewhere
- WikidataLinkedInfacebook.com
Pros and cons
Pros
- A monthly fee of UAH 0 on a virtual debit card built for everyday spending.
- Cashback of 0.5% to 4% on card purchases.
- A free cash withdrawal allowance of UAH 20,000.
- Multi-currency and travel features, with phone, email and help centre support.
Cons
- The card is a debit card rather than a crypto card, so crypto balances and token spending sit outside it.
- Only 3 currencies are covered, so a wider multi-currency set-up stays out of reach.
- A monthly fee of UAH 0 is not the differentiator: Monzo Flex lists £0 and Bitpanda €0.
Who it suits
- People in Ukraine covering everyday costs who want a virtual card for online and travel spending.
- Card users who take out cash often and value the free withdrawal allowance of UAH 20,000.
- Readers who want cashback of 0.5% to 4% on regular spending without a monthly charge of UAH 0.
Who should look elsewhere
- Wise, for readers moving money across many currencies, since this card covers 3.
- Bitpanda, for readers who want crypto spending on the card itself rather than a bank card.
- Monzo Flex, for readers who want a UK current account next to the card at a monthly fee of £0.
Who runs it
Unex Bank is a Ukrainian bank operating as Joint Stock Company UNEX BANK (AT UNEX BANK), headquartered in Ukraine and running since 1993. It is supervised and licensed by the National Bank of Ukraine, licence 56. Customer support runs on phone, email and help centre for card and account questions.
How Unex Bank compares
9.2 vs 9.4
9.2 vs 9.0
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.6
9.2 vs 9.0
9.2 vs 9.1Its monthly fee is €0 and its card is built for crypto spending, where this one is a debit card.
9.2 vs 8.9
9.2 vs 8.1
9.2 vs 8.2
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 8.9- 9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.3
Where Unex Bank is available
- Available
- Ukraine
- Licence in Ukraine
- National Bank of Ukraine (NBU) (56), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does the Unex Bank card cost each month?+
The virtual card has a monthly fee of UAH 0. It is a debit card, so spending draws on money in the account rather than a credit line. Cashback of 0.5% to 4% is the main reward on purchases.
How much cash can I withdraw from ATMs for free?+
The card comes with a free cash withdrawal allowance of UAH 20,000. Multi-currency and travel features are listed for the card, so the allowance fits trips abroad. The bank is licensed in Ukraine, where the account is held.
Who regulates Unex Bank?+
Unex Bank is a Ukrainian bank licensed and supervised by the National Bank of Ukraine, licence 56. Its legal entity is Joint Stock Company UNEX BANK (AT UNEX BANK), registered in Ukraine and operating since 1993.
How many currencies can I hold on the card?+
The card covers 3 currencies, and multi-currency is one of its listed features. That keeps spending and conversion inside a small set rather than a broad currency list. Cashback of 0.5% to 4% applies to purchases.
Is this a crypto card?+
No. Unex Bank is a bank, and the product listed here is a debit card from a licensed Ukrainian bank, licence 56. It covers card spending, cashback of 0.5% to 4% and cash withdrawals, not crypto balances or token spending.
How do I reach the bank's support?+
Support runs on phone, email and help centre, so you can reach the bank by phone, by email or through the help centre. Questions about the free ATM allowance of UAH 20,000 or the monthly fee of UAH 0 go through those same channels.
Who should pick this card?+
It suits people in Ukraine who pay everyday costs and want a virtual debit card with a monthly fee of UAH 0 and cashback of 0.5% to 4%. Readers who need many more currencies than 3, or who want crypto spending on the card, should look at Wise or Bitpanda.
Is a free monthly fee unusual for a card like this?+
A monthly fee of UAH 0 is common across the cards in this comparison. Monzo Flex lists £0 a month, Wise £0 and Bitpanda €0, so the fee is not the deciding factor. Currency count, cashback and cash access matter more here.
Sources
- unexbank.ua/privatnim-osobam/kartki/card-virtualna-debeto... checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Cashback rate, Currencies, Features, Monthly fee
“CARD: 'Otrimannia gotivky z fizychnoi kartky u kasi Unex Bank, bankomatakh bankiv Ukrainy - Bezkoshtovno v mezhakh limitu 20 000 grn/mis.'”
- unexbank.ua/privatnim-osobam/rekviziti checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Support channels, Licences
“Data derzhavnoi reiestratsii: 3 hrudnia 1993 roku”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Currency conversion fee, Protection.
Unex Bank
A virtual bank card for everyday spending in Ukraine at no monthly charge.