I am Bank Own Account. I work on the financial front.

I took care of you so you could take care of yours. My services will help you save and conveniently manage your finances.

I'm here to support you!

• Opening a card online
• x2 or x3 cashback points for purchases at "Silpo"
• Fair cashback with points
• Everything he collected - he took it! No limits on the amount
• Fee-free payments and transfers from own funds in Ukraine
• Replenishment with cash at "Silpo" cash desks without commission
• Withdrawal of cash in Silpo and other networks, gas stations, pharmacies
• Cashless top-up without commission from card to card
• 5% per annum with "Nazbiratus" - our savings account




Opening an account is very easy:

1. Download Bank Own Account
2. Fill out the questionnaire and submit the documents. Through "Diya" - very convenient!
3. Get a virtual card and use it immediately
4. Do you need a plastic card? Buy at the "Silpo" cash desk, the cost of the card will be returned as a bonus after the first purchase


This is your cashback with Silpo points:

×3 cashback points
Increased - for purchases anywhere for a total amount of more than UAH 10,000 per month
I give ×3 points for purchases at "Silpo" for the entire next month
For every UAH 1 spent, I earn 3 points


×2 cashback points
Guaranteed - for any purchases at "Silpo"
For every UAH 1 spent, I earn 2 points

Points are converted into Bonus once a month. Spend it on something delicious at "Silpo"

For example, if you collect 20,000 points, your Bonus is UAH 200


So that I can count points, always scan the QR code from the Bonus section or the barcode from the plastic card at the checkout



This is the Credit Limit:

• Credit limit up to 100,000 hryvnias
• Grace period up to 62 days
• Interest rate during the grace period - 0.00001%
• Real interest rate - 43.1% per annum
• Interest rate on credit limit - 3% per month
• Maximum term with extension - 12 months


This is BVR Pay:

1. Choose your favorite products at shop.silpo.ua
2. Confirm payment through the application quickly and conveniently
3. Get even more points for every purchase


This is your "Nazbiratus" in a dream:

1. Define dreams
2. I will tell you how much you need to save and remind you about the contribution
3. 5% per annum will help to accumulate faster, interest is calculated every month
4. Withdraw and top up freely without losing interest


Download the Bank Own Account mobile application, submit documents through Diya or take a photo, answer a few questions and receive a virtual card in the application in 5 minutes.