Idea Bank continues to actively strengthen its position in the micro-business segment by offering entrepreneurs comprehensive financial solutions that combine flexible tariffs and high-speed processing of transactions. As of October 7, 2026, the bank focuses on the accessibility of banking products, allowing sole proprietors to minimize costs for cash management services (RCU) at the start of their cooperation. Marina Holovanova, Director of the Business Client Department, emphasizes that the bank's strategy is aimed at creating a single ecosystem where an entrepreneur can meet all basic needs—from opening an account to obtaining unsecured financing—in one place.
This year, Idea Bank demonstrated significant growth in its loan portfolio, which increased by 40% in the first seven months of 2026, exceeding 526 million hryvnias. One of the flagship products was the "First Loan with Idea" credit, allowing clients to receive up to 1 million hryvnias at attractive interest rates. The application approval process is maximally simplified: to receive funds, it is sufficient to provide a minimum package of documents, including a passport, tax ID, and tax return, and the credit decision is made within one hour.
Deposit Programs and Liquidity Management
The bank offers a wide range of deposit products adapted to the short-term and medium-term needs of businesses. Clients can place funds both in national currency and in dollars or euros. Rates on hryvnia deposits range from 10.25% to 16% per annum depending on the term, while foreign currency deposits yield 0.5%–1%. Special attention is paid to sole proprietors who prefer short-term placements of up to 3 months, which provides them with flexibility in managing working capital.
Flexible RCU Terms and Pricing Policy
An important aspect of the bank's policy in 2026 was the preservation of stable service prices. Entrepreneurs have access to four specialized packages: "Ideal Start," "Ideal Entrepreneur," "Ideal Business," and "Ideal International." New clients are offered preferential terms, including free account opening and no subscription fee during the first two months, which significantly lowers the barriers for entry for fledgling businesses into the banking system.
