He took out microloans through “Diya” and BankID: fraudster sentenced to actual prison term in Lviv region

He took out microloans through “Diya” and BankID: fraudster sentenced to actual prison term in Lviv region

The Drohobych City-District Court of Lviv Region delivered a verdict in the case of local resident Maksym Tyutyunnyk, who systematically obtained microloans in the names of his acquaintances without their knowledge.

This is reported by the Telegram channel «Sudom po skhemam» citing the court verdict in case No. 442/5687/26 dated August 11, 2026.

 How the «online earnings» scheme worked

Between December 2025 and January 2026, the defendant, under the pretext of «helping with online earnings» or exploiting the victims’ trust, obtained their authorization data, logins, and passwords for banking apps (Privat24, A-Bank), as well as the Diya app.

Having gained access to the private data, the perpetrator:

• Completed verification via the NBU BankID system on behalf of the victims;
• Submitted online applications to microfinance organizations (including Credit7, MyCredit, Smartivey, Ye Hroshi, ShvydkoHroshi);
• Increased credit limits and concluded electronic agreements for amounts ranging from 500 to 17,000 hryvnias;
• Appropriated the received funds and spent them for personal needs.

In total, at least three individuals and several financial institutions suffered from the fraudster’s actions.

 Recidivism and the court’s verdict

During the court hearing, Maksym Tyutyunnyk fully admitted his guilt. It was revealed that the perpetrator had prior convictions for similar crimes and committed the new offenses while on probation under a November 2025 sentence.

The court qualified the defendant’s actions under three articles of the Criminal Code of Ukraine:

• Part 2 of Art. 182 — violation of the inviolability of private life;
• Part 2 of Art. 361 — unauthorized interference with the operation of information and communication systems;
• Part 4 of Art. 190 — fraud committed through illegal operations using electronic computing equipment.

The court sentenced Tyutyunnyk M. A. as follows:

• Punishment: by partial addition of the unserved portion of the previous term, the final sentence was set at 3 years and 1 month of imprisonment;
• Compensation for damages: the civil claims of the victims were fully satisfied — more than 46,000 UAH in material damages will be recovered from the convicted person in favor of the victims and the financial company, as well as 18,000 UAH in moral damages to one of the victims.