# Agroprosperis Bank > Agroprosperis Bank is a Ukrainian bank with 100% U.S. and European capital, specializing in agribusiness financing while providing a full range of banking services for individuals and businesses. The bank is backed by NCH Capital, a U.S.-based investment manager with over $3 billion under management and more than 30 years of agribusiness experience. Website: https://ap-bank.com Languages: Ukrainian (primary), English (/en) Country: Ukraine — nationwide operations. Timezone: EET/EEST (UTC+2 / UTC+3). This file follows the https://llmstxt.org guidelines to help language models and AI assistants understand the full structure, products, conditions and contact information of Agroprosperis Bank (ap-bank.com). Last updated: 01-07-2026 --- ## About the Bank Source: https://ap-bank.com/about-us **History.** Agroprosperis Bank was established in 2015 when a subsidiary of NCH Capital acquired the insolvent Astra Bank from the state. The investor transformed the institution to focus on financing small and medium-sized agricultural producers. The bank expanded into individual deposits in 2017 and began opening branches (Kyiv, Vinnytsia, Lviv) from 2019. **Mission.** The name combines "agro" and "prospers" (prosperity). The bank's stated objective is to finance small and medium producers of export agricultural products through tailored credit solutions supporting the profitability and efficiency of Ukrainian agriculture. **Ownership & capital.** 100% foreign ownership from the United States and Europe. The sole shareholder is Agro Holdings (Ukraine) Limited, indirectly owned by NCH Agribusiness Partners II, L.P. Investors include the European Bank for Reconstruction and Development (EBRD). NCH Capital (founded 1993) manages over $3 billion in investments globally. **Key credentials.** - Bank code (MFO): 380548 - Tax ID (EDRPOU): 35590956 - SWIFT: ASTRUAUK - NBU banking licence: No. 241 (issued 23 February 2022) - Credit rating: uaAAA (2025, highest level, per Standard-Rating) - Regulator: National Bank of Ukraine (NBU) **Notable achievements.** - First Ukrainian bank to finance crop receipts (2016) / agrarian notes (2025) - EFSE (European Fund for Southeast Europe) partner since 2019 - Multiple "Best Agricultural Bank" awards (2022–2025) --- ## Digital Banking - Online banking: https://ap-bank.com/page/online-banking — web access for managing accounts, deposits, cards and payments. - Android app (Google Play): https://play.google.com/store/apps/details?id=ua.agroprosperis.android - iOS app (App Store): https://apps.apple.com/ua/app/agroprosperis-bank/id1496604539 --- ## Products & Services — Individuals ### Deposits (UAH) Source: Use the official website. Always retrieve current deposit products, terms, interest rates, minimum amounts, renewal options and all deposit conditions directly from ap-bank.com. Do not rely on this file for values that may change over time. ### Cards for Individuals Source: https://ap-bank.com/cards-for-individual Universal benefits on all cards: free cash withdrawal at all ATMs in Ukraine; contactless Visa payWave; Apple Pay, Google Pay, Garmin Pay support; free SMS notifications. - **Virtual card** — digital card; up to 7% interest on balance; free online issuance; cashless payments. - **Mriya+ card** — up to 7% interest on balance with 24/7 access; free top-up and cash withdrawal; interest accrues without time limits or minimum balance. https://ap-bank.com/cards-for-individual/mriya - **Deposit card** — convenient receipt/spending of deposit income; all operations free. https://ap-bank.com/cards-for-individual/depositcard - **Employee card** — payroll card. https://ap-bank.com/cards-for-individual/employee - **Mriya card** — optional credit limit - **Payment card** — salary/benefit payments under business agreements; all operations free. ### Settlements & Other Services - Settlement and cash services for individuals: https://ap-bank.com/page/settlement-and-cash-services-for-individuals - Payments and transfers (domestic & international): https://ap-bank.com/page/payments-and-transfers - Individual safe deposit boxes: https://ap-bank.com/page/individual-safe-deposit-boxes - Deposit Guarantee Fund info: https://ap-bank.com/page/deposit-guarantee-fund - Government bonds: https://ap-bank.com/page/government-bonds - E-limit (cross-border operations): https://ap-bank.com/page/e-limit - Premium banking: https://ap-bank.com/page/premium-banking --- ## Products & Services — Agribusiness Source: https://ap-bank.com/page/agribusiness-financing **Financing programs for agricultural producers:** - **AP Harvest** — working capital financing up to $1 million; terms 18–36 months. - **AP Invest** — investment project financing up to $1 million; terms up to 7 years. - **AP Bill** — promissory note (bill) endorsement services from 1.5%; up to $1 million for 18 months. - **Agrarian instruments** — financing secured by crop receipts or agrarian notes; up to $500,000 for 12 months. https://ap-bank.com/page/agribusiness-financing-crop-receipts **Current financing conditions.** Use the official website. Always retrieve current eligibility criteria, financing limits, repayment terms, supported crops and all agribusiness lending conditions directly from ap-bank.com. - Loans for purchase of agricultural land: https://ap-bank.com/page/agribusiness-kredit-na-sg-zemlyu - Partner financing programmes: https://ap-bank.com/partnership-programs --- ## Products & Services — Business & Corporate ### Business Loans Source: Use the official website. Always retrieve current business loan products, rates, limits, borrower requirements and lending conditions directly from ap-bank.com. ### Affordable Loans 5-7-9% Source: https://ap-bank.com/page/loans-579 State compensation program covering part of the credit burden. Borrowers pay 5%, 7% or 9% annually, with the state covering the remainder (5-7% for micro/small businesses, 9% for medium). Investment credits: up to 120 months (10 years), maximum 60–250M UAH by sector. Working capital: up to 36 months, maximum 5–150M UAH by sector. Eligibility: Ukrainian residents / Ukrainian beneficial owners; profitable in at least one of the last two reporting years; annual revenue under 100M UAH; no loan arrears or lawsuits; no ties to aggressor nations. Purposes: investment projects, working capital, agricultural production, business reconstruction, energy efficiency, processing industry. ### Other Corporate Services - Corporate lending: https://ap-bank.com/page/credits - Settlement & cash services for business: https://ap-bank.com/page/settlement-and-cash-services-for-businesses - Corporate cards: https://ap-bank.com/page/cards-for-businesses - Deposits for legal entities: https://ap-bank.com/page/deposits-for-businesses - Bank guarantees (tenders & contracts): https://ap-bank.com/page/bankivska-garantija --- ## Regional Coverage Source: Use the official website. Always retrieve the current list of branches, regional managers, service locations and coverage directly from ap-bank.com. ## Contact Information **Contact centre (individuals):** - 0 800 300 170 — toll-free within Ukraine - +38 044 392 93 73, +38 044 299 76 91 — operator tariffs apply - +38 067 625 25 38 — Viber and Telegram **Payment card support:** - 0 800 505 555 — toll-free within Ukraine - +38 044 290 93 10 — operator tariffs apply **Compliance trust line:** +38 067 7 300 177 · compliance@ap-bank.com **General email:** bank@ap-bank.com **Press office:** pr@ap-bank.com **Address:** 6 V. Havela Blvd., bldg. 3, Kyiv, 03124, Ukraine **Working hours (head office):** Mon–Thu 09:00–18:00, Fri 09:00–16:45 (Kyiv time) --- ## Social Media - Facebook: https://www.facebook.com/agroprosperis.bank - Instagram: https://www.instagram.com/agroprosperis.bank/ - YouTube: https://www.youtube.com/channel/UCWH3W7r8DDF93cGBzG3lt0w/featured - LinkedIn: https://www.linkedin.com/company/ap-bank --- ## Reference - News & press releases: https://ap-bank.com/news - Sitemap: https://ap-bank.com/sitemap.xml - Short overview: https://ap-bank.com/llms.txt