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Currency rate as at:
17 November 2019
buy sell NBU
USD 24.20 24.90 24.24
EUR 26.50 27.30 26.66
RUB 0.35 0.40 0.38

Information Service

FAQ

Payment cards
If your card has been lost.

Immediately block the card by phone numbers:

call-center:              0 800 505 555 (24/7),

                               +38 044 290 9310 (for calls from abroad, 24/7),

                               or:

JsC “Misto Bank”:    +38 048 714 3979.

Then contact the Bank to issue a duplicate card in person or by the phone number: +38 048 714 3979.

If you cannot perform transactions with the card.

Apply to determine and eliminate the causes of rejection in carrying out the transaction by phone numbers:

call-center:              0 800 505 555 (24/7),

                               +38 044 290 9310 (for calls from abroad, 24/7),

                               or:

JsC “Misto Bank”:    +38 048 714 3979.

In case of loss of a PIN-code.

Apply to issue a duplicate PIN-code by the phone number of JsC “Misto Bank”: +38 048 714 3979.

In case of incorrect PIN-code input for three times in a row.

Apply to unblock the card by phone numbers:

call-center:              0 800 505 555 (24/7),

                               +38 044 290 9310 (for calls from abroad, 24/7),

                               or:

JsC “Misto Bank”:    +38 048 714 3979.

When traveling abroad.

Inform on the country and the period of staying abroad in advance by phone numbers:

call-center:              0 800 505 555 (24/7),

                               +38 044 290 9310 (for calls from abroad, 24/7),

                               or:

JsC “Misto Bank”:    +38 048 714 3979.

In case of carrying out regular transactions online.

Please inform on the necessity to carry out transactions online on your card by phone numbers:

call-center:              0 800 505 555 (24/7),

                               +38 044 290 9310 (for calls from abroad, 24/7),

                               or:

JsC “Misto Bank”:    +38 048 714 3979.

In case of active using of the card (e.g. 5 transactions within an hour or 10 transactions during the day).

Please inform on the necessity of temporarily security system disabling on your card for the necessary period by phone numbers:

call-center:              0 800 505 555 (24/7),

                               +38 044 290 9310 (for calls from abroad, 24/7),

                               or:

JsC “Misto Bank”:    +38 048 714 3979.

In case of payment in cash or receiving a large amount in cash.

Inform on the necessity of temporary increase of the fixed limit amount for cash withdrawals or cashless settlements for the necessary period by phone numbers:

call-center:              0 800 505 555 (24/7),

                               +38 044 290 9310 (for calls from abroad, 24/7),

                               or:

JsC “Misto Bank”:    +38 048 714 3979.

If ATM holds the card.

Block your card by phone numbers:

call-center:  0 800 505 555 (24/7),

                   +38 044 290 9310 (for calls from abroad, 24/7).

Write down ATM data (number, address, bank name) and contact JsC “Misto Bank” to return the card or issue its duplicate by the phone number: +38 048 714 3979.

If you receive a phone call on behalf of the Bank / lottery / law enforcement agencies / charity foundation that require to provide card details (PIN, CVV / CVC code, expiration date, name on card, the secret code from SMS).

Immediately stop talking. Bank employees never ask your card details. In case of repetition of such cases inform JsC “Misto Bank” by the phone number: +38 048 714 3979.

Information materials for bank clients on the topic of psychological fraud

Financial monitoring
Determination of the ultimate beneficiary owners (controllers):

According to the Article 64-1 of the Economic Code of Ukraine (hereinafter referred to as the “ECU”), each enterprise, except for state and municipal enterprises, shall determine its ultimate beneficiary owner, regularly update and store information on it and submit such information to the state registrar, in cases and to the extent provided by law. If a legal entity does not have its ultimate beneficiary owner (controller), including the ultimate beneficiary owner (controller) of its founder (participant), if the founder (participant) is a legal entity, information on its absence shall be submitted.

 

This obligation shall be applied not only to newly established enterprises, but also to those registered previously. It is envisaged that legal entity, registered before entry into force in accordance with with the Law No. 1701-VII as of October 14, 2014 “On amendments to some legislative acts regarding determination of ultimate beneficiaries of legal entities and public persons”, shall submit to the state registrar information on its ultimate beneficiary owner (controller), including the ultimate beneficiary owner (controller) of its founder (participant), if the founder (participant) is a legal entity, or information on the absence of such ultimate beneficiary owner within 10 months from the date of entry into force in accordance with this Law. The Law came into force on November 25, 2014, i.e. until September 25, 2015, the legal entities shall disclose information on its ultimate beneficiaries.

Who can be released from the obligation to provide information on an ultimate beneficiary owner?

1) legal entities, in the registration card for the state registration of which there is no information on an ultimate beneficiary owner (controller) in accordance with the part 1 of the Article 24 of the Law of Ukraine “On the state registration of legal entities and natural persons – entrepreneurs”;

 

2) legal entities, founders (participants) of which are only natural persons, if the ultimate beneficiary owners (controllers) of such entities coincide with their founders (participants). In this case, the founders (participants) – natural persons are ultimate beneficiary owners (controllers) of such entity.

 

The Law provides also general exceptions to the rule – political parties, creative unions and their territorial centres, law societies, chambers of commerce, religious organizations, state and municipal enterprises, state authorities, local government authorities and their associations are released from the obligation to provide information on an ultimate beneficiary owner and ownership structure.

Who is an ultimate beneficiary owner?

According to the Article 1 of the Law No. 1702-VII as of October 14, 2014 “On prevention and counteraction to legalization (laundering) of proceeds of crime, terrorist financing and financing of spread of weapons of mass destruction”, an ultimate beneficiary owner (controller) is a natural person, who independently from formal ownership has the possibility directly or through others of exercising decisive impact on the management or business activities of a legal entity. The impact can be exercised, in particular, by:

 

  • exercising the right of possession or use of all assets or their significant part,
  • the right of decisive impact on the composition forming, voting results, and also any transactions, which make it possible to determine the conditions of business activity,
  • the right to give binding instructions or perform the functions of management,
  • directly or indirectly (through another natural person or legal entity) possession by one person independently or together with related natural persons and/or legal entities of an interest in a legal entity to the extent of 25 percent or more of the share capital or voting rights in the legal entity.

In such a case a person, who is an agent, a nominal holder (owner) or an intermediary regarding this right is not considered to be an ultimate beneficiary owner.

 

To sum up, an ultimate beneficiary owner (controller) may be a natural person, who does not have necessarily an interest to the extent of 25 percent or more of the share capital of the company, but that has the possibility to exercise a decisive impact on the management or business activities of the company in the manner determined by the Law. This opinion is contained in the Minutes of the meeting of the Working Group on consideration of the issues of entities of primary financial intelligence - non-bank institutions as of March 5, 2015. In addition, it is stated in the Minutes that an ultimate beneficiary owner (controller) may be and may not be in a legal entity.

What is an identification of bank customers?

Receiving documents from customers, concerning personality of the customer, associated persons and beneficiary owners (for legal entities).

 

For what?

It corresponds to the international practice and allows dealing better with money laundering, scheme operations and fraud.

 

When does it occur?

Banks carry out regular customer identifications.

 

How often shall it be done?

Every 1-3 years, depending on the degree of risk.

 

Whom may it concern?

Everyone. Banks shall know all their customers, both legal entities and natural persons.

 

What documents is it governed by?

The Law of Ukraine “On prevention and counteraction to legalization (laundering) of proceeds of crime, terrorist financing and financing of spread of weapons of mass destruction”, “Regulation on financial intelligence carried out by banks”, approved by the Governmental Regulation of the National Bank of Ukraine No. 417 as of June 26, 2015.

Who are public persons?

Broad powers and authority granted to the public persons to perform functions of the state are the source of corruption risks and risks of corrupt money laundering. Special rules for the control of financial operations, which will allow timely detecting cases of legalization of money acquired by the public persons as a result of corruption, including acceptance of a bribe, plundering, misappropriation or improper use of property, abuse of official position etc., shall be applied in relation to the public persons.

 

The Law of Ukraine “On prevention and counteraction to legalization (laundering) of proceeds of crime, terrorist financing and financing of spread of weapons of mass destruction”, which was drafted according to the latest recommendations of the Financial Action Task Force on Money Laundering (International group of anti-money laundering), stipulates the following categories of public persons (public officials):

 

  1. national public persons,

  2. foreign public persons,

  3. persons that perform political functions in international organisations,

  4. their associated persons,

  5. their connected persons.