Kominbank

Joint Stock Company "Cominbank" is a universal bank that provides professional and qualified services to corporate, medium and small enterprises and individual clients for over 30 years. Registered by the NBU on 3 December 1993, Registration certificate No.219.

A 100% shareholder of the bank is foreign investor Stefan Pol Pinter. Mr Stefan Pol Pinter is the founder and executive director of GML Capital LLP (www.gmlcapital.net), a private investment-banking and management company headquartered in London, United Kingdom.

Shareholders of the bank, founders, major shareholders, beneficiaries (owners), shareholders according to the register of holders of securities: there is foreign investor Stefan Pol Pinter (United Kingdom), who owns 94,86% of the shares, and Kazmina Alina Yevheniivna, who owns 5,14% of the shares.

Authorized capital of JSC "Kominbank" as of 2026: 215 748 034,29 UAH.

The bank has the status of a participant in the Deposit Guarantee Fund for Individuals (certificate No. 106 dated 20.08.2025).

Banking services for individuals:

Deposit programs
• Term deposits in UAH, foreign currency (USD, EUR) and bank metals (gold) with the option of monthly interest payment or capitalization.
• Deposit cards and flexible savings accounts with interest paid on account balances.
Lending
• Mortgage loans for the purchase of residential real estate.
• Consumer loans secured by real estate or property rights (including deposits).
• Cash loans and credit limits on payment cards.
Payment cards and accounts
• Debit and payroll cards of international payment systems (Visa, Mastercard).
• Premium banking (high-tier cards with access to VIP services, concierge services and airport lounges).
• Opening and servicing current accounts in the national and foreign currencies.
Money transfers and currency operations
• International transfers via payment systems (Western Union, RIA, MoneyGram, etc.).
• SWIFT transfers for payments abroad.
• Purchase, sale and exchange of foreign currency in bank branches and in the mobile app.
Remote services
• Mobile app and internet banking (CIB-Online) for managing accounts, paying utilities, card-to-card transfers and loan repayments.
• Chatbots in messengers for quick support, balance checks and setting limits.
Additional banking services
• Rental of individual bank safe-deposit boxes for storing valuables and documents.
• Operations with bank metals (buying and selling of ingots).

Banking services for legal entities:

Cash and settlement services (RKO)
• Opening and maintaining current accounts in national and foreign currencies (USD, EUR, PLN, GBP etc.).
• Service package offers with optimal fees depending on the size and specifics of the business.
• Purchase, sale and conversion of foreign currency on the interbank foreign exchange market
Lending and business financing
• Overdrafts — operational coverage of temporary liquidity gaps to cover current payments.
• Loans to replenish working capital (one-off loans and revolving/non-revolving credit lines).
• Investment lending — financing the purchase of equipment, vehicles, special machinery, production modernization or real estate acquisition.
• Participation in state support programmes (including "Affordable loans 5-7-9%").
Documentary operations and bank guarantees
• Bank guarantees: tender guarantees (for participation in Prozorro), performance guarantees under contracts, advance payment refund guarantees and payment guarantees.
• Letters of credit: opening and servicing domestic and international documentary letters of credit to minimize risks in trade operations.
• Promissory note operations: settlement and aval servicing of promissory notes.
Deposits and placement of available funds
• Classic term deposits with flexible interest payment terms (monthly or at the end of the term).
• Deposits with the possibility of partial withdrawal and top-ups.
• Non-decreasing balance (Overnight) — receiving additional income on funds that remain in the current account overnight or on weekends.
Payroll projects and corporate cards
• Payroll projects: payment of salaries to employees' card accounts with minimal crediting commissions and personal servicing.
• Corporate payment cards (Business/Corporate): a convenient tool for business trips, operational and representational expenses of the company.
Remote servicing (Client-Bank System / Internet Banking)
• Secure internet banking for legal entities with support for electronic digital signature (EDS/KES).
• Functionality: executing domestic and external payments 24\/7, import\/export of files into the accounting system (1C\/BAS), managing payroll records, operational control over balances and statements.
Acquiring and payment acceptance
• Merchant acquiring: installation of POS terminals at points of sale to accept card payments.
• iPay / Internet acquiring: solutions for accepting online payments on websites and in online stores.