PrivatBank charges the client 34,170 hryvnias in interest for a loan stolen after the phone disappeared — court verdict

PrivatBank issued an invoice to a man who had 78,731 hryvnias missing from his credit account, interest in the amount of 34,170 hryvnias

They disappeared from the citizen’s credit card monetary assets in the amount of 78,731 hryvnias. On the other hand, PrivatBank issued and demands interest for the total amount of 34,170 hryvnias. This is stated in the resolution of the Pechersk District Court of the city of Kyiv, published on December 12, 2025.

In the period from June 29, 2024 to June 30, 2024, money in the total amount of 78,731 hryvnias was withdrawn from the credit card of a PrivatBank client by unknown subjects, however, he claims that he did not perform settlement operations on the card during the specified time period, and the withdrawal of money from the account became possible due to the loss of a mobile device with a financial number. On June 30, 2024, he turned to the police with a report of a criminal offense, in which he stated that unknown persons had obtained access to a card account on a lost mobile phone, on the basis of which information about the commission of a criminal offense was entered into the Unified Register of Pretrial Investigations and a pretrial investigation was started on July 1, 2024, in connection with which he was recognized as a victim. At the same time, he notes that in the period from August 1, 2024 to September 1, 2025, he was charged interest in the total amount of 34,170 hryvnias. In connection with the above, he appealed to the court to protect his violated rights.

PrivatBank submitted to the court an objection to the statement of claim, in which it expressed its disagreement with the satisfaction of the claims, citing the fact that the husband chose an inappropriate way of protecting the violated rights. He emphasized that he was familiar with and agreed with the conditions and rules for providing banking services of JSC CB PrivatBank, that is, he was informed of his duty to immediately notify the issuer of the information that became known about the loss of the financial number. However, the withdrawal of money, which the client considers to be illegal and carried out by unidentified persons, was carried out from June 29, 2024 to June 30, 2024, while he informed the banking institution about the loss of the financial number only on July 2, 2024. Therefore, he did not provide evidence of violation of his rights and interests by PrivatBank.

What decision did the court make? The court rejected the husband’s request to satisfy the claim. He did not ensure safe storage of a personal mobile phone with a financial number, did not protect the phone with a password or biometric data (fingerprint, face identification), did not inform the bank about its loss in a timely manner, thereby contributing to the use of information stored on the phone by third parties, which allowed to initiate settlement transactions, in other words, by his inaction, he enabled third parties to gain free access to PrivatBank cards in the Privat-24 system.

“The order to withdraw money from the plaintiff’s account was made using his financial phone due to the plaintiff’s negligence in keeping such a phone, which led to third parties gaining access to Privat-24 and withdrawing money from his accounts. Thus, the plaintiff did not provide the court with proper, admissible, sufficient and reliable evidence that the funds were not withdrawn by him, but by unidentified persons, the defendant was notified of the loss of the bank card in violation of the Law of Ukraine “On Payment Services”, accordingly, the lawsuit against JSC CB “PrivatBank” is groundless. Evaluating the propriety, admissibility, reliability of each piece of evidence separately, as well as the sufficiency and mutual connection in their totality, based on a comprehensive, complete, objective and direct examination of the evidence in the case, the court comes to the conclusion on rejection of the claim”, – emphasized the court.