Universal Bank

The bank was founded in 1994 in Ternopil, the initial name – Bank Universal. From 2007 it reached the national level. In 2008 the bank received a new name – Universal Bank.

In 2017 Universal Bank opened a financial-credit organisation that provides banking services in the virtual space.
The main shareholder is the Cypriot company Bailican Limited.

Owner of the bank (through the company Bailican Limited) – Tihipko Serhii Leonidovych.
Shareholders of the bank, founders of the bank, major shareholders, beneficiaries (owners), shareholders according to the register of securities holders: Bailikan Limited - 100%. Ultimate beneficial owner - Tihipko Serhii Leonidovych.
Authorized capital of JSC "Universal Bank" as of 2026: 4 202 672,00 thousand UAH.

The bank has the status of a participant in the Deposit Guarantee Fund for Individuals (certificate No. 024 dated 20.08.2025).

According to the list published by the NBU in June 2025, Universal Bank is classified as a systemically important bank.

The bank's clients are individuals and legal entities, with priority given to Ukrainian business.