A fintech startup with a banking license

Unex Bank was founded on December 3, 1993.

On November 5, 2002, the bank became a participant in the Deposit Guarantee Fund for Individuals.

Since 2017, the bank has actively developed its retail business, increasing the number of products and online services.

2018

• April 2018: "Financial Club" included Unex Bank in the "TOP 50 Banks of Ukraine" rating.
• June 2018: Unex Bank connected to the Google Pay service.
• July 2018: The bank changed its ownership type from a Public Joint Stock Company to a Joint Stock Company.
  

2019

• March 2019: The bank's long-term credit and deposit ratings were upgraded to stable by the rating agency "IVI-Rating."
• September 2019: Unex Bank was recognized by the National Bank of Ukraine as authorized to carry out pension and other social payments, as well as manage payroll card projects for budget organizations' employees.
• December 2019: Unex Bank won the "Bank of the Year 2019 with the Best Cashback for the Population" award by the international financial journal "Bankir."
• In 2019, Unex Bank launched the mobile application – UnexBank Online. Other online services, such as internet banking, mobile top-ups, and card-to-card transfers, are also available to clients.
  

2020

• March 31, 2020: The reliability of Unex Bank deposits was confirmed at the "High Reliability" level by the certificate of the rating agency "IBI-Rating."
  

April 1, 2021

• The National Bank of Ukraine approved the acquisition of 75.01% of the shares of JSC "Unex Bank" by Tomáš Fiala through several companies of the Dragon Capital group. Additionally, it permitted Czech citizen Ivan Svitek to directly acquire 24.99% of the bank's shares.
  

April 16, 2021

• Dragon Capital Group and banker Ivan Svitek completed the transaction to acquire 100% of the shares of JSC "Unex Bank" (75.01% and 24.99% of the shares, respectively).
  

June 2021

• The bank attracted subordinated debt of 48 million UAH from foreign investors.
  

July 2021

• The main office of the bank moved to a new location. The move marked the beginning of a major reorganization of the network, during which unprofitable branches and sales points were closed. The updated strategy also includes opening new branches. The total network of Unex Bank is expected to reach 30-40 branches during 2021-2022.
  

September 2021

• The central Kyiv branch of the financial institution changed its address. On September 14, the rating agency "IVI-Rating" upgraded the long-term credit rating of JSC "Unex Bank" to UaA+ with a "developing" outlook.
  

November 2021

• November 11: Unex Bank opened its first branch in Vinnytsia.
• November 12: Unex Bank completed the transition to the updated security protocol for online card transactions by connecting 3DS 2.0 authentication for Mastercard and Visa cards.
• November 16: Unex Bank became the first Ukrainian bank to launch the fintech service for instant online lending, Fresh Cash, allowing microloans to be credited to any Ukrainian bank's cards.
• November 18: The National Bank of Ukraine approved JSC "Unex Bank" as the responsible entity of the Dragon banking group.
• November 19: Unex Bank became a member of the European Business Association.
  

December 2021

• December 14: Unex Bank completed integration with the Diia application, allowing clients to undergo identification procedures in branches without presenting "paper" documents.
• December 31: The capabilities of the UnexBank Online mobile application were significantly expanded, enabling clients to open deposits online without visiting branches.
  

January 11

• Unex Bank joined the "Ukrainian Association of Lessors."
  

January

• Four new Unex Bank branches opened in Dnipro, Ternopil, Mykolaiv, and Sloviansk.
  
• In January 2022, Napalor Holdings Limited, a company founded and registered in the Republic of Cyprus, acquired 100% of the bank's shares. Thus, Napalor Holdings Limited became the sole participant in the bank. The ultimate beneficial owners of the bank remained Tomáš Fiala (Czech Republic) with a 75.01% stake in the bank's capital and Ivan Svitek (Czech Republic) with a 24.99% stake in the bank's capital.
  

February 8

• A newly renovated branch opened in Kryvyi Rih.
  

February 16

• Unex Bank won the "Banks of the Year 2022" ranking, an annual event by "Financial Club." Unex took first place in the "Business Settlement Bank" category among small banks with foreign capital.
  

February 23

• Unex Bank completed testing and connected to the NBU BankID system in two statuses: service provider and identifier.
  

February 27

• Unex Bank was one of the first on the Ukrainian banking market to introduce loan holidays for all its clients.
  

March 21

• Unex Bank, in collaboration with Unchain Fund and the Ukrainian startup Weld Money, began issuing the world's first virtual charitable cryptocurrency cards, the Unchain Help Card. As part of the program, thousands of Ukrainian women and their babies received non-refundable financial aid from the charitable crypto fund.
  

April 12

• Holders of Unex Bank Visa cards gained the ability to connect them to Google Pay, Garmin Pay, and Swatch Pay.
  

April 14

• Unex Bank introduced a mechanism for 100% remote opening of payroll projects for business clients.
  

April 29

• Delo.ua included Unex Bank in the ranking of Ukrainian enterprises "investing in Ukraine's victory." The publication recognized the charitable initiatives launched since the beginning of the war to support ordinary Ukrainians and the army.
  

May 11

• Unex Bank and Weld Money signed a memorandum of strategic cooperation. Together, the partners began working on launching the first cryptocurrency card in Ukraine.
  

June 29

• The website "Minfin," in partnership with Unex Bank, launched a new service for booking exchange rates in the mobile app "Minfin Currency."
  

September 5

• Unex Bank joined the state program eSupport and began issuing and servicing digital eSupport cards.
  

September 22

• Unex Bank, in partnership with fintech startup Weld Money and Mastercard, began issuing the first cryptocurrency card in Ukraine.
  

September 26

• The insurance group ARX and Unex Bank started their cooperation.
  

September 30

• A new website was released.
  

October 13

• Online issuance of the UnexSmart card was launched. This is the bank's first true online monoproduct, implemented based on a universal onboarding - a digital "window" for remote access of new clients to the bank's products and services.
  

October 27

• Full-scale lending to private clients resumed after the start of Russia's full-scale war against Ukraine.
  

November 9

• The Unex Maximum deposit became available online to all Ukrainians. The product was the first in the country to allow opening a deposit online without installing mobile apps or taking any other additional actions.
  

December 16

• Unex Bank joined the "ATM roaming" network – the first branches were equipped with generators and backup communication channels.
  

December 27

• Unex Bank received the Resilience Award from Mastercard.
  

January 3

• Release of a major update for the Unex Bank application on Android.
  
• The rating agency "Standard Rating" assigned the highest-level ratings to JSC "Unex Bank": long-term and short-term credit ratings, as well as deposit ratings.
  

February 3

• Unex Bank received the PaySpace Magazine Awards 2022 prize for launching the first cryptocurrency card in Ukraine.
  

February 8

• Unex Bank became the first in Ukraine to launch a new convenient option for the Unex Maximum deposit: advance interest payment.
  

February 13

• Release of a major update for the Unex Bank application on iOS.
  

March 15

• Unex Bank was among the winners of the Fintech Awards. The bank received an award in the "Best Collaboration FinTech + Bank" category for launching the weld card and Unchain help card projects.
  

March 17

• The bank's official blog was launched: the first column was published in the Unex Blog.
  

March 31

• Unex Maximum received the prestigious FinAwards 2023 award for third place in the Best Deposit category.
  

April 5

• After a long hiatus, the branch network expansion program resumed: the first branch in Lviv was opened in the bank's history.
  

April 24

• Correspondent account opened in Polish zloty.
  

May 10

• The updated cashback program was launched: without a maximum amount limit, without the need for regular category selection, for all payments with Unex Smart and Unex Card, except for the exhaustive list of MCC.
  

May 30

• The first Unex Bank branch in Zhytomyr was opened on Kyivska Street, 17/1.
  

June 7

• The authoritative Financial Club named Unex Bank the winner of the 2023 Banks of the Year rating in the "Savings bank for the population" category among "Small private banks."
  

July 14

• Unex Bank branch opened in Lutsk at 25 Vinnichenko Street.
  

August 30

• Unex Bank was one of the first on the Ukrainian market, the day after the National Bank introduced the tool, to enable retail customers to buy foreign currency within the limit of 50,000 UAH per month in the mobile application.
  

August 31

• Unex Bank started issuing Unex Smart cards in dollars and euros online to all interested Ukrainians.
  

September 27

• Unex Bank received the "Leader in the Banking Guarantee nomination" award at the "Banking Invincibility" awards held by the Association of Ukrainian Banks.
  

November 27

• The maximum installment limit for the Med card was doubled to 100,000 UAH.
  

December 8

• The largest online retailer in the country, ROZETKA, joined the Med program.
  

February 1

• Unex Bank took second place in the "Savings Bank for the Population" category and third place in the "Retail Bank" category among "Small Private Banks" at the 2024 Banks of the Year awards.
  

March 15

• As part of the branch network reorganization program, Branch No. 3 in Kyiv opened at its new address on Vasylkivska Street, 14.
  

March 29

• The "White" cash loan received a diploma for third place in the "Best Cash Loan" category at the prestigious FinAwards, the most prestigious award in the Ukrainian financial market. Additionally, Anna Zolotko, Director of the Treasury Operations Department at Unex Bank, was among the top three influencers of the Fintech market for the year.