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How to buy USDT via Privat24 with a bank card: a simple guide for Ukrainians

April 30, 2025

USDT is a stablecoin whose value is pegged to the US dollar. It is used as a digital alternative to cash: for storing funds, international transfers, or payments within the crypto community. In Ukraine, demand for USDT remains consistently high, particularly due to restrictions on the dollar in banks and the exchange rate of the hryvnia.

What the Law Says

In 2022, the Verkhovna Rada passed the law «On Virtual Assets.» It allows you to officially own cryptocurrency, buy, sell, and store it. At the same time, the National Bank prohibits banks from directly servicing cryptocurrency transactions — so USDT can only be purchased through exchanges, P2P platforms, or exchangers that act as intermediaries.


The legislation does not require taxes to be paid when purchasing cryptocurrency, but when withdrawing profits (for example, exchanging USDT to hryvnia), this may be considered income.

An Important Clarification

PrivatBank does not have a built-in function for purchasing cryptocurrency. Therefore, buying USDT via Privat24 does not happen inside the app but through external platforms — with payment made by PrivatBank card.

Option 1: Buying USDT via P2P Services on Exchanges

The most popular and usually the most profitable option is P2P trading. These are platforms where people sell USDT to Privat24 directly to other people.

Step-by-step:

  1. Register on the exchange.
  2. Complete identity verification (passport or ID card).
  3. Go to the P2P section.
  4. Select the purchase currency — hryvnia, and payment method — PrivatBank.
  5. Find a seller with good reviews, select the amount, and click “Buy.”
  6. Pay the specified amount from your card via Privat24.
  7. After confirmation by the seller, you will receive USDT in your exchange account.

P2P is the most flexible option for Ukrainian users. But choose only verified sellers and never send money before the transaction is confirmed in the system.

Option 2: Through Online Exchangers

Online exchangers are services where you select the direction «Privat24 UAH — USDT,» enter your details, and instantly receive cryptocurrency in your wallet.

Step-by-step:

  1. Go to the website of a crypto exchanger.
  2. Select: «Privat24 UAH» to «Tether (USDT TRC20).»
  3. Check the rates and reviews.
  4. Enter the amount, your USDT wallet address, name, and email (if needed).
  5. Copy the payment details and pay via Privat24.
  6. In a few minutes, you will receive USDT in your wallet.

Tip: create a wallet for USDT in advance and make sure it supports the TRC20 network — this reduces the transaction fee.

What You Definitely Need to Know

Sometimes P2P transfers may be blocked (this is related to financial monitoring). Therefore, it is recommended not to split amounts and not to mention «crypto» in the payment purpose.


And remember about security! In 2024, hacker attacks and crypto-related scams led to losses of over $3 billion, according to blockchain security firm PeckShield. Hacker attacks accounted for over 70% ($2.15 billion) of these illegal activities, while scams accounted for 30% ($834.5 million).


Ultimately, regardless of the chosen method, the main thing is attentiveness, checking sites, using the correct wallet network, and following basic security rules. Save Privat24 receipts, don’t use suspicious services, and don’t share personal data with third parties. This way, your exchange will be profitable and secure!

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