Starting from the previous year and continuing in 2026, the state returns from 5% to 15% for purchases of Ukrainian goods in well-known chains ATB, Silpo, Varus, EKO-market and others. Maximum 3000 UAH per month. The money can be spent not only on food, but also on paying for utilities, medicines, books or donating to the Armed Forces of Ukraine. In this article
Starting from the previous year and continuing in 2026, the state returns from 5% to 15% for purchases of Ukrainian goods in well-known chains ATB, Silpo, Varus, EKO-market and others. Maximum 3000 UAH per month. The money can be spent not only on groceries, but also on paying for utilities, medicines, books or donating to the Armed Forces of Ukraine.
In this article, we have prepared a guide on how to buy groceries, medicines, fuel and at the same time save up to 3,000 hryvnias per month. As they say, “saved – means earned!” So, what can you spend your earnings on, how to spend national cashback correctly, and life hacks for a large family so as not to lose money.
Please note: Funds from the National Cashback are not taxable and do not affect the allocation and payment of the subsidy.
Important to inform: Information regarding the National Cashback program is constantly changing, current information is constantly checked and the article is updated. Always additionally check the current rules on the official website https://madeinukraine.gov.ua/national-cashback and in the Diya application.
Introduction: why is national cashback useful right now?
From March 1, 2026, “National Cashback” has switched to a new differentiated model: 5% or 15% depending on the product category. Previously, it was 10% on everything. Plus a temporary cashback on fuel (15% on diesel, 10% on gasoline, 5% on gas) until May 1, 2026.
The maximum amount is 3,000 UAH per month per person.
Life hack: If you have a large family and you quickly reached the cashback limit of 3,000 hryvnias, simply issue a National Cashback card for all adult family members so as not to lose money beyond the limit. That is, if mom’s card already has 2,990 hryvnias in cashback, then we use dad’s or grandma’s or grandpa’s card.
The money is credited to a special card in Diya and can only be used until June 30, 2026 .
Thousands of Ukrainians are already looking for national cashback 2026 , and how to spend national cashback , or what you can spend cashback 2026 on . So let’s talk about it further in this article below, so that you can spend every hryvnia with benefit.
What is National Cashback and how does it work?
“National Cashback” is a state program to support Ukrainian manufacturers. You buy goods registered in the program (products of such manufacturers are often, but not always, marked with a sign like in the photo above), pay cashlessly with a card in participating stores – and the state returns part of the money to you the following month.
- 5% – for goods where Ukrainian producers already occupy a large market share.
- 15% – for categories where there is strong competition from imports.
Cashback is credited the next day and paid out by the end of the following month. The money is credited to a special account at Diya and cannot be withdrawn in cash .
National Cashback 2026 works only for individuals over 18 years of age and is not available to children or teenagers, even if they have a junior card at the bank or a passport after reaching the age of 16. Businesses and condominiums do not participate, therefore they do not receive funds when purchasing goods under the National Cashback.
What can you spend cashback on in 2026?
The official list of what you can spend cashback on in 2026:
- Food products (only Ukrainian, registered in the program)
- Utilities
- Postal services
- Ukrainian-made medicines and medical devices
- Books and other printed products of Ukrainian production
- Charity (including donations to the Armed Forces of Ukraine)
Important: only goods/services that are included by the manufacturer or supplier in a special list of the program. However, the “Made in Ukraine” marking does not guarantee participation.
Table of expense categories with examples
| Category | Examples of goods/services | Examples of networks/services | Maximum benefit |
|---|---|---|---|
| Food products | Milk, bread, cheese, sausages, canned goods, vegetables (Ukrainian) | Silpo, Novus, ATB, Fora, Varus | Up to 3000 UAH/month |
| Utilities | Electricity, gas, water, heating | Through Action or Banks | Full amount |
| Medicines | Ukrainian medicines, vitamins, medical products | Pharmacies: Podorozhnyk, BaDM, Antsir | Up to 3000 UAH |
| Books and printed matter | Books from Ukrainian publishers, magazines | Bookstores Ye, Yakaboo, Rozetka (books section) | Up to 3000 UAH |
| Postal services | Ukrposhta, Nova Poshta (parcels) | Ukrposhta, Nova Poshta | Full amount |
| Charity | Donate to the Armed Forces of Ukraine | Platforms “Return Alive”, “SOS Army” | Any amount |
National cashback on Ukrainian goods works in these categories, which are shown in the table in the photo below. The list is constantly being updated.
How to check if you can spend cashback on a specific product
The easiest way:
- Open the Action app .
- Select the “National Cashback” section.
- Scan the product barcode with your phone’s camera.
- The program will show whether the product is participating and what the cashback percentage is.
An alternative is to search on the website https://madeinukraine.gov.ua/national-cashback/perelik-tovariv .
Step-by-step instructions: how to spend cashback
In regular stores:
- Check the product in Action.
- Pay with a regular bank card (or National Cashback card).
- The funds will automatically be “unfrozen” in your special account.
Online:
- Rozetka, Yakaboo, Silpo Online — choose products with the program mark.
- After payment, cashback is credited automatically.
Utility bill:
- Through Diya or the supplier’s personal account – funds are debited automatically.
Donate to the Armed Forces of Ukraine:
- Transfer from a special National Cashback account – this is the fastest way to use the money.
Calculation examples: how much you can realistically save per month
Family of 2 adults (Kyiv):
- Products — 8000 UAH (cashback 5–15%) = 400–1200 UAH
- Utilities — 2500 UAH = 2500 UAH (in full)
- Medicines — 800 UAH = 800 UAH
- Total: up to 3000 UAH (limit)
Family of 4 + child:
- Groceries + medicines + books = up to 4,500 UAH cashback, but only 3,000 UAH will be paid.
Life hack: if each family member has their own national cashback card, then the amount of expenses per person is 3,000 hryvnias of cashback, and the overall picture is disappointing. That is, if mom + dad + grandmother, the maximum amount of cashback expenses for the family will be = 9,000 hryvnias.
Single pensioner:
- Utilities + medicines = 1800–2200 UAH of real savings.
Ukrainians often ask about cashback on utility bills 2026 and national cashback on medicines and books – these are the most profitable areas.
A couple more life hacks
Life hacks:
- Buy large packages (for example, 10 kg of buckwheat) – the cashback is the same, and the savings are greater.
- Plan major purchases for the beginning of the month.
- Combine with store promotions (cashback is accrued additionally + on top of the promotion).
- Use the funds to donate to the Armed Forces of Ukraine — this is the fastest way to spend money.
Pitfalls:
- The funds “burn out” after June 30, 2026.
- Only cashless payment must be made to earn cashback at participating stores.
- Not all products labeled “Made in Ukraine” participate, it is important to pay attention and check the product on the website.
- Limit 3000 UAH – exceeding the cashback limit for 1 individual will not be refunded.
How to combine with fuel cashback and other programs
Cashback on fuel (until May 1) is credited to the same account and spent according to the same rules. You can receive:
- 15% for diesel + 5–15% for products = up to 4,000 UAH of total cashback, but a maximum of 3,000 UAH will be paid.
Life hack: buy groceries with your mom’s card and fuel with your dad’s card to avoid exceeding your limits.
Conclusion + checklist “What to do right now”
National Cashback 2026 is a real tool to support the economy and your family’s finances. Until June 30, 2026, you have a chance to return up to UAH 18,000 for the entire period (UAH 3,000 per month).
Checklist:
- Check in Action whether the National Cashback card is connected.
- Scan a few items in the store to see if they are participating.
- Make a shopping list for the month, taking into account cashback.
- Use the funds by June 30, 2026.
- Share the article with your family – together we save more.
We hope that this material was useful for you and that you understood how to spend national cashback simply and without losing limits. Don’t delay – cashback money is limited in time and can simply burn.
Save the article and start saving today.
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