• Private Banking
  • Digital projects
About ConcordBank


Our history

JSC “JSCB “CONCORD" was founded on August 7, 2006. In 2012, its main beneficiaries were Olena Sosiedka and Yuliia Sosiedka, which became a new stage in the bank's development. During this time, 14 branches were opened: 4 in Dnipro, 3 in Kyiv, 2 in Odesa, as well as in Lviv, Kryvyi Rih, Zaporizhzhia, Novomoskovsk and Kharkiv.

Since 2016 ConcordBank has a contract with an independent processing center "ProCard", making it completely independent in everything – from the issuance of state-of-the-art cards to terminals, from providing bonus systems to high speeds in payments.

JSC “JSCB “CONCORD" was the first among small and medium-sized banks in Ukraine to become a principal member of the payment
systems Mastercard, Visa and Prostir.

During the entire period of activity (since 2006) the bank has issued more than 100,000 payment cards, each of which can be connected to Apple Pay, Google Pay and Garmin Pay.


Our achievements

  • We became the first among non-state banks to launch ConcordPay internet acquiring with options from Apple Pay and Google Pay, which allowed Ukrainian online business leaders to increase the conversion of their trading platforms.
  • We were the first in Ukraine to launch the mobile version of Bank ID using QR code technology.
  • We were the first in Europe to connect to 3ds v2.1 issued by Mastercard.
  • We became the bank number 1 in issuing currency using international cards and cards of foreign banks (more than 1 million dollars monthly).
  • We opened an office in the best business center in Kyiv - "Leonardo" (where Visa and Mastercard offices are located), 2 VIP-offices in Dnipro and Kyiv + 2 VIP-zones in Kharkiv and Lviv, as well as the first office in Novomoskovsk and one more in Dnipro in the shopping center "Nasha Pravda".
  • We were the first in Ukraine to launch separate bots for issuing cards in 30 seconds in Viber and Telegram without visiting a bank.
  • We became the platform for the creation of the first open fintech ecosystem in Ukraine, Concord Fintech Solutions.
  • We launched a project with the HIGHPASS company to provide airport services of a new format in the main airports of Ukraine and in international destinations that are in demand (Turkey, Egypt, UAE).
  • We concluded an agreement with Zaporizhzhia Airport on the provision of business lounge services to our VIP clients, holders of VISA INFINITE and MC WORLD ELITE cards.
  • We received appreciation for the support of the All-Ukrainian information campaign aimed at protecting the rights of consumers of financial services "Know Your Rights" from the National Bank of Ukraine.
  • Together with Visa and Portmone.com we are working on a Pos Phone application for business based on Visa Tap to Phone technology.
  • In 2021, we opened new ConcordBank branches in Dnipro (CDC "Menora") and in Odesa.
  • In 2021, we presented an updated website for the ConcordPay payment system.
  • In 2021, the mobile bank for individuals called NEOBANK started operating under the ConcordBank's license.
  • In 2021 we celebrated our 15th anniversary! 
  • In 2022, a new release of ConcordBusiness for individuals with onboarding through the Diia service was introduced.
  • In August 2022, ConcordBank entered the TOP 20 ranking of the most profitable banks in 2022.
  • In 2022, a new branch was opened in Lviv at 12 Stryiska Street.
  • In 2022, ConcordBank allocated UAH 90.4 million to help the AFU and support charitable projects.
  • In March 2023, ConcordBank was transferred from the Regular Tax Office to the Office for Large Taxpayers. In 2022, the bank paid more than 150 million of taxes and fees to the budget.


Our awards

  • In June 2023, ConcordBusiness was ranked 8th in the rating of 20 mobile applications for business clients in Eastern Europe, the Caucasus and Central Asia according to the independent agency SME Banking.
  • On June 1, 2023, ConcordBank received the StarPublisher award from the European Business Association, becoming the first in terms of the number of press releases, articles and blogs published on the EBA website.
  • On May 24, 2023, ConcordBank entered the top three banks in Ukraine for keeping accounts of individual entrepreneurs according to Finance.ua.
  • In March 2023, ConcordBank received two silver awards in the "Leading Technologies and Innovations" (OneTap mobile acquiring and ConcordPay QR code payment service) and "Best Premium Card" (Visa Infinite) nominations in the all-Ukrainian annual FinAwards 2023.
  • On January 9, 2023, ConcordBank was ranked 15th in the Financial Club's "25 Leading Banks in Time of War" rating.
  • In December 2022, we received the Resilience Award from Mastercard.
  • On December 19, 2022, Olena Sosiedka, co-founder of Ukraine's first open fintech ecosystem Concord Fintech Solutions (which includes ConcordBank), Chairman of the Supervisory Board of ConcordBank, was awarded the Ministry of Defense's award "For Assistance to the Armed Forces of Ukraine".
  • In October 2022, the Chairman of the Supervisory Board of ConcordBank, Olena Sosiedka, was included in the ranking of the 50 most influential women in FinTech (Ukrainian Association of FinTech Companies (UAFIC).
  • In August 2022, ConcordBank's services and products for SMEs were recognized as bronze in the annual FinAwards 2022.
  • On June 3, 2022, we received recognition in the super important for Concord Fintech Solutions team (which includes ConcordBank) nomination - Best fintech ecosystem according to the Ukrainian Association of Fintech and Innovative Companies.
  • In March 2021, the Chairman of the Supervisory Board of ConcordBank, Olena Sosiedka, was included in the TOP 50 Most Influential Women in FinTech (Ukrainian Association of FinTech Companies (UAFIC).
  • ConcordBank took 2nd place in the nomination "Best Acquirer Bank" at the annual PaySpace Magazine Awards 2021.
  • ConcordBank won the nominations "Profitable bank" and "Savings bank for the population" from the "Financial Club" within the framework of the study "Banks of the Year 2021". 
  • ConcordBank won the "Leader in Open Fintech Ecosystem Development" nomination in 2021 from the NABU and the Financial Club. 
  • We received awards from the "Financial Club" as part of the "Banks of the Year 2021" study as "Profitable Bank" and "Savings Bank for the Population".
  • The head of the supervisory board of ConcordBank Olena Sosiedka was included in the top five of the rating "Top 50 Ukrainian entrepreneurs in 2020" according to MC.today.
  • The chairman of the board of ConcordBank, Yurii Zadoia, was included in the "TOP CEOs and founders of banks under 40" by Banker.ua. 
  • Our ONE ConcordBank card in 2020 received an award in the nomination "ONE IN A MILLION CARD" from the international payment system Mastercard.
  • Visa awarded us with the "For driving SME business" certificate for supporting small and medium-sized businesses in 2020.
  • ConcordBank's IconBridge took first place in the "Best techfin project" nomination at the 2020 PaySpace Magazine Awards, and ConcordPay's payment service took 3rd place in the nomination "Best online shopping partner for accepting payments".
  • "The best acquiring bank" (2nd place) according to the PaySpace Magazine Awards 2020.
  • The first place in the category "Savings Bank for Business" in the category "Banks with private capital among small banks" in the financial award "2020 Banks of the Year", organized by the company "Financial club".
  • We were included in the top ten most successful banks in the country in the "Internet banking" and "Mobile banking" categories at the FINANCIAL CLUB AWARDS 2019.
  • The second place in the nominations "Best Debit Card", "Best Debit VIP Card" and "Best Credit VIP Card" and the third place in the nomination "Best Credit Card" according to the results of the prestigious financial award "FinAwards 2019".
  • First place in the nomination "Leader of lending among the population and for a significant contribution to charity" within the All-Ukrainian project "FINANCIAL INSTITUTIONS OF UKRAINE 2018: dignified, successful, reliable".


Performance indicators 2018-2021
  2018 2019 2020 2021 2022


NUMBER OF EMPLOYEES, PERSONS 278 393 452 499 495 99
ASSETS, UAH MLN 1032 2039 2747 4071 5621 138
AUTHORIZED CAPITAL OF THE BANK, UAH MLN 200 200 259 311 450,5 145
BALANCES OF INDIVIDUALS, UAH MLN 431 630 925 969 1230 127
NET PROFIT, UAH MLN 10 53 56 147 264 180
Our TOP management
According to the NBU classification, the size of the assets of CONCORD Bank corresponds to Group II of banks. CONCORD Bank is a member of professional associations and communities - in Ukraine and in the world.
  • Participant of the Deposit Guarantee Fund for Individuals (certificate No. 184 dated January 18, 2007)
  • Principal member of the international payment system Visa International, the legal address of the company: 900 Metro Centre Boulevard, Foster City, State of California, United States of America 94404
  • Principal member of the international payment system MasterCard Worldwide, the legal address of the company: 1000 Purchase Street, Purchase, New York 10577, United States of America (US)
  • Member of the Organization of professional participants of the securities market "Ukrainian Stock Traders"
  • Member of the Ukrainian Interbank Currency Exchange (UICE)
  • Member of the First All-Ukrainian Bureau of Credit Histories
  • Member of the Independent Association of Banks of Ukraine (NABU)
  • Member of the Association "Dnieper Banking Union"
  • The participant of the National payment system PROSTIR (National payment system "Ukrainian payment system"), legal address: street Institute, 9, metro Kyiv, 01601, Ukraine
Bank rating

Rating object


Type of rating

Long-term credit rating of a borrower according to the National Rating Scale

Date of change

June 26, 2023

Rating motion


Credit Rating Category


Credit rating level


Rating forecast

In development

Issued by

National Rating Agency "Rurik"

Dynamics of the credit rating of CONCORD Bank

Dynamics of the credit rating of CONCORD Bank