.com
Which card to choose for receipt
An international transfer may arrive on a PrivatBank card or bank account. First determine what the recipient will do with the money: spend without cash, keep foreign currency or withdraw cash.
For the payout and Universal cards, check crediting and withdrawal separately. Value depends on the specific tariff and incoming method; free crediting does not mean free cash withdrawal.
What the costs consist of
The service sets its own exchange rate and fee. The receiving bank may apply its own crediting and exchange terms. Potential withdrawal or other usage costs follow.
For a direct hryvnia transfer, compare the final amount. For euros, dollars or another currency, first check the account currency and exchange procedure. Do not assume that every card can hold any currency.
How the SmartPay calculator helps
Enter your amount, sending country and receiving method in the paytoua.com calculator. It lets you compare available services for the same budget.
Where confirmed bank calculations exist for PrivatBank, SmartPay shows alternative routes using known rates and rules. Open the details and check every stage. Without such data, do not assume that a currency route is automatically available.
What to do before sending
Service and bank terms can change after calculation. Check the final amount and account details before confirming payment.
- Identify the recipient’s card name and account currency.
- Obtain details from Privat24 for the required method.
- Compare the total debit, crediting and subsequent withdrawal.
- Disable promotions already used or enter the actual rate and fee.
- Verify the parameters with the service and keep the receipt.