Virtual card

Warnings: Possible consequences for the client in case of using a banking service or failure to fulfill his obligations under the agreement on the provision of this banking service: - accepting the conditions of the public offer on the rules and conditions for the provision of banking services for customers-individuals and the terms and conditions of a bank account provided for in the agreement, operations on which can be carried out using electronic means of payment, the client undertakes to pay for the relevant banking services in accordance with the bank's tariffs; - in case of violation of the terms of the agreement and in cases determined by the terms of the agreement, the bank has the right to suspend (temporarily) all or individual operations on card and / or block the card, refuse to serve the client; - in accordance with the norms of the current legislation of Ukraine, income received by the client in accordance with the terms of the Bank Account Agreement, transactions on which can be carried out using taxable electronic means of payment. The bank is prohibited from requiring the customer to purchase any goods or services from the bank or a related or related person as a prerequisite for the provision of these services (except for the provision of a package of banking services). The bank does not have the right to unilaterally amend the agreements concluded with clients, unless otherwise provided by the agreement or the law. The client has the right to withdraw from the contract for the provision of financial services, if such a right is provided for in the terms of the contract, but before the start of the provision of any service under such contract and before the start of the provision of service under any other contract that is related to the fulfillment of obligations under the contract for the provision of financial services, from which the client intends to withdraw. The client may exercise his right to withdraw from the contract for the provision of financial services by submitting an application to the bank to terminate the contract for the provision of financial services. The bank's clients have the right to refuse to receive advertising materials by means of remote communication channels.

 

Tariffs of the "Virtual Card" from 27.05.2025

Key characteristics of Virtual Card

Interest revenue calculator

Rules and terms on banking services for private customers

Adhesion contract on integrated banking services

Application for opening a current account and issuing a virtual payment card

Recommendations on avoiding cases of increased risk of losses for the user of a bank payment card

Recommendations for detecting phishing websites

AP Bank Online Banking Security Recomendations

 

We draw your attention to the need to inform the Bank immediately

• about the loss of a bank payment card

In case of loss or withdrawal of the card during the transaction, as well as in case the PIN code of the card became known to another person, the Client is obliged, as soon as possible, to inform the Bank about this and to block the operation of the card by 24-hour telephone numbers:
0-800-505-555 (toll-free in Ukraine) and 044-290-93-10 (Customer Service Center). Verbal notification must be confirmed by a written statement addressed to the Bank.

• about unauthorized access or change of client information in remote service systems

In the event of unauthorized access to your account in the AP Bank SDBO, or in the event of the possibility of such unauthorized access, or if you notice a change in the information in the AP Bank SDBO (personal data, information about the services/products registered with the bank, accounts and balances of funds made operations, etc.), in case of loss of a financial phone number (SIM card) or a mobile phone with a financial number, contact the Bank's technical support for users at the phone number 0 800 300 170 (toll-free in Ukraine) or +38 (044) 392 93 73

• about detected phishing websites or received information of similar content

If you received an e-mail (including from any address of the Bank) with a request to notify or confirm your login or password - do not respond to the request. Remember, the Bank never asks for such user data regarding login and password. Call the Bank's user technical support service at 0 800 300 170 (toll-free in Ukraine) or +38 (044) 392 93 73 and report the incident.
Always perform a visual check of the site's domain name to ensure that it is an official and not a phishing page of attackers using the guidelines for detecting phishing websites.
Currently, JSC "AGROPROSPERIS BANK" has the following official websites:
https://ap-bank.com/ - the official website of the Bank;
https://online.ap-bank.com/ - the official website of the Bank for access to the remote banking system of AP Bank.

If you detect a phishing site, call the technical support service for users of the Bank at phone number 0 800 300 170 (toll-free in Ukraine) or +38 (044) 392 93 73 and report it.

Virtual cards from Agroprosperis Bank can be issued to all individuals who are already bank clients. To open a virtual card online, you only need a few minutes. Follow these steps:

1. Download the AP Bank mobile app from Google Play or App Store.
2. On the "Cards" start page, scroll through the issued cards to the right until the "Order a virtual card" button appears, or go to the "My accounts" section, select a virtual card, and click "Order."
3. In the opened window, enter your email address (where the contract will be sent), a code word (if this is your first card with the bank), and confirm the accuracy of your personal data.
4. Click "Continue" and review the virtual card opening request by entering the password received via SMS.
5. Wait for an SMS notification about the card activation and its PIN code.
6. Add the card to Google Pay, Apple Pay and Garmin Pay digital wallets for convenient payments at retail locations and online.

Cash withdrawals from a virtual card are possible at Agroprosperis Bank branches, ATMs that support NFC technology, or by transferring funds to your plastic card and withdrawing cash in the usual way.

A virtual card can be topped up online via AP Bank internet banking, by transferring from another account, offline at Agroprosperis Bank branches, or through payment terminals. In other words, the process is almost the same as for a regular card.