Zatoka is an urban-type settlement in Bilhorod-Dnistrovskyi Municipality in southwestern Ukraine. The settlement is a local beach resort. Additionally, Zatoka contains a small port named Buhaz, which has a single pier and is part of the Port of Bilhorod-Dnistrovsky.

The town is located on a sand spit of the Dniester Estuary next to where the Dniester flows into the Black Sea. It is 60 km from Odessa and 18 km from the city of Bilhorod-Dnistrovskyi in Odessa Oblast, in the historical region of Budjak or southern Bessarabia.

In the Ukrainian language, "zatoka" refers to a bay.