“The client noticed in the Privat-24 application that money was withdrawn from the cards in the amount of 100,259 hryvnias. The client received several notifications from PrivatBank to confirm the money transfer, for which he chose the option to reject the transaction. Later, in the Privat-24 application, withdrawals from accounts in the amount of 100,259 hryvnias were detected. This is stated in the decision of the Nikopol city and district court of the Dnipropetrovsk region, published […]”, — write: businessua.com.ua
The client noted in the Privat-24 application that money was withdrawn from cards in the amount of 100,259 hryvnias
The client received several notifications from PrivatBank to confirm the transfer money, for which he chose the option to reject the operation. Later, in the Privat-24 application, withdrawals from accounts in the amount of 100,259 hryvnias were detected. This is stated in the decision of the Nikopol city-district court of the Dnipropetrovsk region, published on November 3, 2025.
On October 16, 2023, while viewing the amount of money remaining on the payment cards of JSC CB PrivatBank in the mobile application “Privat-24”, the client received a sound notification from the number of JSC CB “PrivatBank” to approve the transfer of 4 thousand hryvnias. The notification said: “Press 1 to confirm, press 0 to cancel.” In response to this message, he chose to decline the payment, but these actions did not protect his card accounts. Similar calls were repeated four times with approval amounts of 3 thousand hryvnias, 1 thousand hryvnias, and 50 hryvnias. After that, after a certain time, he entered the mobile application and saw that money in the amount of 100,259 hryvnias had been withdrawn from the payment cards. In this regard, on October 20, 2023, he submitted a statement to the police, in which he asked to conduct an investigation into the fact of fraud with payment cards of PrivatBank, as a result of which money was withdrawn from payment cards in the amount of 100,259 hryvnias.
What decision did the court make? The court satisfied the client’s claim. The commercial bank “PrivatBank” will collect money in the amount of 10,050 hryvnias for its benefit from the joint-stock company.
“Evaluating the arguments of the lawsuit, the court took into account the unequal status of the parties in the specified contractual relations, which are consumer by their legal nature. Considering the consumer nature of the legal relationship between the parties, the court proceeds from the fact that in the absence of proper and admissible evidence, doubts and assumptions should be interpreted mainly in favor of the consumer, who is usually the “weak” party in such civil relations, the consumer’s legal relationship with the bank is actually not When applying to the court, the client claimed that he did not carry out the above-mentioned transactions, did not disclose the information about them (PIN code, CVV) immediately after discovering the unauthorized withdrawal of money, as well as his appeal to the law enforcement authorities regarding the fraudulent actions committed against him in total, the plaintiff did not have consent to the specified transactions. The defendant did not provide adequate and admissible evidence to confirm that the plaintiff contributed to the loss, illegal use of the personal identification number or other information, which allows for the initiation of the payment transaction. The court considers that JSC CB “PrivatBank” did not provide adequate and admissible evidence proved that the plaintiff, as a credit card user, by his actions or inaction contributed to the access to information on the card, his personal account, account or mobile application “Privat-24”, the illegal use of the PIN code or other information, which made it possible to initiate a payment transaction for the withdrawal of money from his card account on 10.16.2025 in the amount of UAH 100,259. At the same time, the court took into account that “On January 3, 2024 and January 10, 2024, money in the total amount of UAH 90,203 was returned by the bank and credited to the plaintiff’s card. Under such circumstances, the client’s claims for the recovery of money from the joint-stock company PrivatBank in the amount of UAH 10,050 are justified and subject to satisfaction,” the court emphasized.
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