VST bank — online banking app analytics for December 7

Bank Vostok is now VST bank We remain the same bank you know and trust — just with a new name that better reflects who we are and how we work. VST bank — giving you time for what matters most. A modern mobile bank for your daily finances, individual entrepreneurs, cashback cards, and easy transfers. Open a card or entrepreneur account in just 5 minutes via the Diia app or by uploading photos of your documents. Pay bills, manage accounts, open deposits, set a credit limit, buy currency, and send transfers across Ukraine or abroad — all in one convenient VST bank app. • Everything at your fingertips — no queues or wasted time. • Secure online transactions 24/7. • Up to 20% cashback and convenient cards for the whole family. Bank cards with cashback and great terms Get up to 20% cashback for your purchases and enjoy full mobile banking benefits: • Family Card: transactions in UAH, USD, EUR. Free incoming transfers. • Payment Card: free cash withdrawals at ATMs and VST bank branches. • Seafarer Card: top up in foreign currency with a 0.5% fee, free cash withdrawal in Ukraine. • Dream Card (ages 14–18): can be opened independently, free service. • Social & Pension Cards: available in a virtual format. Order your card right in the app — start saving from day one! Foreign currency cards • Open accounts in USD or EUR and track exchange rates. • Buy currency at favorable rates. • Send transfers to foreign bank cards with only a 1% fee. App for individual entrepreneurs Open an entrepreneur account online in just a few minutes — no visit to a branch: • Card available immediately — for payments and Apple Pay. • Replenish via VST bank, EasyPay kiosks, or Silpo checkouts. • Withdraw funds in Ukraine and abroad. • Transparent tariffs, simple mobile control. Manage your business finances right from your smartphone — anytime, anywhere. Installment plan Get up to UAH 100,000 to your card: • Minimum — UAH 500. • Term — 3 to 12 months. • Fee:  – 3–6 months — 2% from the first month.  – 7–12 months — 2.5% from the first month. • Monthly payments charged automatically one month after issue. • Pay with credit funds — no extra fees. Compulsory car insurance Take out your compulsory automobile insurance policy directly in the VST bank app: • Low cost with high coverage. • Choose indemnity limit increase — up to UAH 4 million. • Term — up to 12 months. • Deductible — UAH 0. • Cashback up to 15% when paying with a Cashback Card. • Valid throughout Ukraine. Fast and easy transfers & payments • Card-to-card transfers to all Ukrainian banks. • Global transfers via Western Union, MoneyGram, RIA, Welsend, Intel Express, SWIFT, PrivatMoney. • Pay for utilities, taxes, fines, insurance, or traffic penalties. Send money in one tap — even international transfers. Online deposits Open deposits in a few clicks: • Simple: fixed term, no replenishment. • Simple with Replenishment: top up anytime. • Special: unlimited top-ups in the first month. • Collateral: secured deposit with stable terms. Foreign currency deposits: • Available in USD or EUR for 3 or 6 months. • Earn 1% per annum. • Minimum: USD 200 / EUR 100. • Withdraw funds in the deposit currency with no fee. Save and grow your money with guaranteed safety. Credit limit Access up to UAH 100,000 on your card: • Grace period — up to 62 days. • Interest rate — 0.00001% during grace period, then 3% per month. Get your credit online — no certificates, no queues. Private banking & premium cards For clients who value comfort and privileges: • Voyage Accounts: Mastercard World Elite or Visa Signature. • Luxury Accounts: Visa Infinite or Mastercard World Elite. • VIP service, travel offers, discounts, concierge, and personal manager. Enjoy service without limits — premium banking for your lifestyle. 24/7 Support & Full Transparency • Chat or call us anytime. • View all rates and services at vstbank.ua JSC “VST bank” — NBU license No. 204, dated 16.09.2025