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Guides and bank offer comparisons - in plain English, straight to the point.
Latest articles
15 articles
Guide
What the Real Cost of a Loan Means and How It Differs From the Rate
A plain-language look at why a loan's real annual cost is usually higher than the advertised interest rate, with a simple worked example.
Market commentary
NBU Spends $1 Billion a Week: What It Means for Your Wallet
For 10 straight weeks the NBU has sold over $1 billion a week to hold the hryvnia steady. We explain why, how long it can last, and what to weigh before you save or borrow.
Guide
How to Help a Loved One Safely Start Using a Banking App
A practical guide to helping someone close to you take their first steps with a banking app: what never to share, which settings to check together, and how to build real independence over time.
Market commentary
NBU Expands Bond List for Bank Reserves: What It Means for Your Money
On September 21, the NBU added a new government bond issue to the list banks can use to cover reserves. Here's how this technical move could affect deposit rates, loans, and which bank you trust.
Guide
Budgeting for Heating Season: How to Prepare in Autumn
How to calculate and set aside money for utility bills before the heating season starts - simple steps for a calmer winter without surprise bills.
Market commentary
NBU Raises Key Rate to 16%: Impact on Savings and Loans
Ukraine's central bank raised its key policy rate to 16% after inflation accelerated to 8.1%. Here's what it means for your deposits, loans, and mortgage payments.
Guide
Fixed Deposit vs. Savings Account: What's the Difference
A plain-language explanation of how a fixed-term deposit differs from a savings account: access to your money, how interest is calculated, and what happens if you withdraw early. With a worked example.
Market commentary
NBU vs. Bakhmatyuk: why the fight over UAH 7.9 billion matters to depositors too
A court again upheld the NBU's right to recover VAB Bank debts from Bakhmatyuk. We explain what refinancing loans are and why this matters for depositors.
Guide
How Big Should Your Emergency Fund Be?
Learn how many months of essential expenses to set aside, how to work them out, and where to keep the money so it is ready the moment you need it.
Market commentary
Inflation Accelerates to 8.1%: What It Means for Your Savings
Ukraine's annual inflation accelerated to 8.1% in August 2026, driven by fuel and utility tariffs. Here's why it happened and what it means for your savings, deposits, and monthly budget.
Guide
How a One-Time SMS Code Works and Why You Should Never Share It
A simple step-by-step guide: when a one-time code appears while confirming a transfer in your banking app, and why you must never read it out to anyone on the phone.
Market commentary
New 2000 Hryvnia Banknote: What It Means for Your Wallet
Ukraine's new 2,000 hryvnia note launched Sept 4, but ATMs won't accept it until December. Here's what that means for your cash and your bank account.
Guide
How to Set a Daily ATM Cash Withdrawal Limit
See exactly where to find your card's withdrawal limit settings in your bank's app, how to change the daily amount, and how to confirm it took effect.
Market commentary
Ukraine's New Bank Resolution Law: What It Means for Your Deposits
Ukraine's parliament passed a law overhauling bank resolution and deposit guarantees. Here's what changes, when, and what it means for savers.
Guide
How to Open a Deposit in Your Bank's App
A step-by-step guide to opening a bank deposit in the app: choosing the type, amount, and term, confirming it safely, and checking your deposit later.
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