Unex Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Unex Bank is a Ukrainian bank that lends directly rather than through a broker. It suits officially employed citizens with a positive credit history who can settle in a branch, though the cash loan is pricey at an APR of 36.12% to 52.47% on a fixed rate.

Key facts

Best for
Officially employed Ukrainian citizens with a positive credit history who want a fixed-rate loan settled in a branch.
APR
36.12% to 52.47% (Source, checked September 26, 2026)
Loan amount
UAH 10,000 to UAH 350,000 (Source, checked September 26, 2026)
Term
13 to 49 months (Source, checked September 26, 2026)
Arrangement fee
One-time commission of 3.9% added to the loan principal (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
White cash loan of 100,000.00 UAH for 25 months at 28.9% per year plus 3.9% one-time commission: total loan cost 39,295.24 UAH, total amount for the consumer 143,195.24 UAH, real annual rate 38.41% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Ukrainian citizens over 21, officially employed, with an income certificate and a positive credit history; cash loan issued in a branch (Source, checked September 26, 2026)
Origination fee (%)
3.9% (Source, checked September 26, 2026)
Loan types
Personal, Credit-line, Debt-consolidation, Secured, Car (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Joint Stock Company UNEX BANK (AT UNEX BANK) (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Official website
unexbank.ua

Mortgages

Initial rate
17.9% (Source, checked September 26, 2026)
APRC
27.3% (Source, checked September 26, 2026)
Fixed period
1 year (Source, checked September 26, 2026)
Maximum loan to value
70% (Source, checked September 26, 2026)
Product fee
UAH 4,950 (Source, checked September 26, 2026)
Purpose
Purchase, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Joint Stock Company UNEX BANK (AT UNEX BANK) (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
1993 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataLinkedInfacebook.com

Pros and cons

Pros

  • Fixed rate lending means payments hold steady: fixed pricing on a fixed rate model throughout.
  • Free early repayment is available, which cuts the interest left to pay when a balance is cleared early.
  • A cash loan of UAH 10,000 to UAH 350,000 over 13 to 49 months, and the bank lends directly as a direct lender.
  • Support runs on phone, email and help centre, so phone, email and the help centre answer questions without a branch visit.

Cons

  • The one-time commission is heavy: One-time commission of 3.9% added to the loan principal is added to the principal you repay.
  • A hard credit check and a good credit requirement turn away thin credit files.
  • The loan secured on property adds a product fee of UAH 4,950 and ties up a home as security.
Unex Bank

Ready to try Unex Bank?

Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Officially employed Ukrainian citizens who can show an income certificate and a positive credit history.
  • Borrowers who prefer a fixed rate and want to repay part of the balance early without penalty.
  • People who can visit a branch, since the cash loan is issued in a branch, with support on phone, email and help centre.

Who should look elsewhere

  • Monzo Flex, whose 10% to 23% sits well below the 36.12% to 52.47% charged on this cash loan.
  • Cashspace, whose PHP 12 to PHP 36 also runs below the 36.12% to 52.47% on this cash loan.
  • Anyone without official employment or a positive credit history: a hard check applies and good credit is needed.

How your money is protected

Unex Bank is supervised by the National Bank of Ukraine under licence 56. It is also listed with the Fund for Guaranteeing Deposits of Natural Persons under licence 152. Lending runs through the bank itself, a direct lender, rather than a broker, and the representative example for the white cash loan sets out the amount, the commission and the real annual rate in full.

The company behind it

The lender is Joint Stock Company UNEX BANK (AT UNEX BANK), headquartered in Ukraine and founded in 1993. It holds a National Bank of Ukraine licence, 56, and a Fund for Guaranteeing Deposits of Natural Persons licence, 152. Questions go to phone, email and help centre.

How Unex Bank compares

Where Unex Bank is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (56), checked September 26, 2026
Licence in Ukraine
Fund for Guaranteeing Deposits of Natural Persons (FGVF) (152), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does the Unex Bank cash loan cost me?+

The cash loan runs at an APR of 36.12% to 52.47% on a fixed rate, and 3.9% is charged as a one-time commission. The published representative example sets out the total loan cost, the total amount for the consumer and the real annual rate, so the extra charge is visible before you sign.

How much can I borrow, and over what term?+

Cash loans cover UAH 10,000 to UAH 350,000 over a term of 13 to 49, and the rate is fixed. Because the pricing is fixed, a change in market rates will not move what you pay each month on an unchanged balance.

What credit check applies, and how good must my credit be?+

The cash loan runs a hard credit check and the bank looks for good credit. Applicants also need official employment, an income certificate and a positive credit history, so a thin file is unlikely to clear the bar here.

Can I repay a Unex Bank loan early without a penalty?+

Free early repayment applies to the cash loan, so paying part of the balance back early costs nothing extra. That matters most here, because the rate is fixed and sits at 36.12% to 52.47%, so clearing debt sooner cuts the interest you would otherwise pay.

How is Unex Bank regulated?+

Unex Bank is supervised by the National Bank of Ukraine under licence 56. It is also listed with the Fund for Guaranteeing Deposits of Natural Persons under licence 152, and it lends as a direct lender rather than through a broker.

What other loans does the bank offer?+

The range covers personal, credit line and debt consolidation, and home improvement is a stated use. The loan secured on property carries an initial rate of 17.9% with an APRC of 27.3%, a maximum loan to value of 70% and a product fee of UAH 4,950.

Who can apply, and how is the loan handed over?+

Applicants must be Ukrainian citizens who are officially employed, with an income certificate and a positive credit history. The bank lends directly, as a direct lender, and wants good credit. The cash loan is issued in a branch.

Sources

  • unexbank.ua checked September 26, 2026

    Backs: Loan types, Support channels, Use cases

    “Loans: White cash loan, cash loan, refinancing of other banks' loans, loan secured by real estate, loan secured by a car, consumer loan, Fresh Cash card loan, overdraft, credit cards”

  • unexbank.ua/privatnim-osobam/krediti/kredit-bilij checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Credit needed, Eligibility, Free early repayment, Lender type, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Term

    “White cash loan: from 10,000 to 350,000 in cash or to a card”

  • unexbank.ua/privatnim-osobam/krediti/kredit-pid-zastavu-n... checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose

    “Purchase of real estate, example 1: loan 500,000 UAH at 17.9% p.a. for 12 months with accident insurance; the real annual interest rate will be 27.30% p.a.”

  • unexbank.ua/privatnim-osobam/licenziyi checked September 26, 2026

    Backs: Licences

  • unexbank.ua/privatnim-osobam/rekviziti checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “Date of state registration: 3 December 1993”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

Unex Bank

Unex Bank

Officially employed Ukrainian citizens with a positive credit history who want a fixed-rate loan settled in a branch.

9.1/10See alternatives

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