Privat24 vs Oschad: which bank app is better in 2026
Short answer: pick Privat24 if you want an app that does far more than banking, with Envelopes for goals, a Junior card from age 6, parking, train and bus tickets, transport fares, insurance, certificates and safe boxes on top of payments, deposits and loans. Pick Oschad, Oschadbank’s rebuilt mobile app, if you bank with Oschadbank and want the basics done simply: sign-in by phone number, deposits and mobile savings, loan repayments, transfers by phone or card that show the receiving bank’s logo, a currency converter and utilities sorted by category.
How we compare: what each bank says about its app in its own App Store description, everyday payments and transfers, saving and loans, card control and services beyond banking. We leave out fees, rates and rewards, because they change and the banks show them in the app before you confirm. Then the current place of both in the Censuus ranking.
| Privat24 | Oschad | |
|---|---|---|
| Best for | banking plus city services in one app | simple everyday banking with Oschadbank |
| Sign-in and security | not described in the listing | sign-in by phone number, card PIN verification |
| Transfers | by card, IBAN, instant and SWIFT | by phone or card, receiving bank’s logo shown |
| Saving | deposits in UAH, USD and EUR, Envelopes | deposits, mobile savings as a separate product |
| Card control | limits, cash orders, card skins, Apple Pay | copy card number and CVV, limit spending view |
| Beyond banking | parking, tickets, transport fares, insurance, safe boxes | not mentioned |
| For children | Junior card from age 6 | not mentioned |
Everyday payments and transfers
Both apps pay utilities, transfer money by card number and exchange currency. Privat24 also tops up by Apple Pay, from another bank’s card or by IBAN, sends instant and SWIFT international transfers, pays internet, TV, education and traffic fines and sets up auto payments. Oschad sends money by phone number or card and shows the logo of the receiving bank so you can check the card number, picks your region for utilities by default and sorts services by category, and carries over templates and subscriptions from Oschadbank’s previous app.
Saving, loans and card control
Privat24 has deposits in hryvnia, dollars and euros, Envelopes for goals and donations, spending Analytics, credit limit management, Pay in parts, cash loans, mortgages and car loans. You set limits for online payments and cash, order cash at a branch or ATM and pick a virtual card design. Oschad opens and tops up deposits, keeps mobile savings as a separate product, repays loans and shows detailed history for loans, deposits and accounts. It lets you copy the card number and CVV, top up a card in a few taps and see your spending against a set limit.
Beyond banking
Privat24 goes well past the bank: parking in your city, train and bus tickets, public transport fares, motor, green card, health and travel insurance, official certificates, a Charity service and safe boxes for documents and valuables, plus a Junior card from age 6 with parental control and tasks for pocket money. Oschad stays focused on banking and says it adds new functions in regular updates.
Verdict
Pick Privat24 when you want one app for banking, city services, insurance and a child’s card. Pick Oschad when Oschadbank is your bank and you want a simpler app for deposits, loans, transfers and utilities. If monobank is also on your list, see monobank vs Privat24, and to pay with your phone, contactless payment apps.
Frequently asked questions
Is PrivatBank or Oschadbank better?
Neither outright. Privat24 is the broader app, with parking, tickets, insurance, safe boxes and a Junior card. Oschad is a simpler rebuilt app for everyday banking with Oschadbank: deposits, loans, transfers and utilities.
What is new in the Oschad app?
Its listing names sign-in by phone number, card PIN verification, choosing a main product and reordering the home screen, copying the card number and CVV, quick card top-up, mobile savings as a separate product, a spending-limit view, a currency converter and transfers that show the receiving bank’s logo.
Can a child get a card?
Privat24 has a Junior card from age 6 with parental control of spending. Oschad’s listing does not mention a children’s card.