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Credit limit is up to UAH 200 000
The amount of the limit shall be set individually. In order to increase the sum of the credit amount, submit 1 of the following documents: income statement, foreign passport, statement from another bank or the documents confirming property ownership.
Credit limit allows you to use such services as “Payment in Installments” and “Instant Installments”: you can purchase goods immediately and pay for them in monthly installments. Our network of partners includes over 25 000 shops and stores.
Current amount of your credit limit can be viewed:
- in Privat24: “Services” → “Loans” → “Credit limit”;
- Via the ATM;
- visiting the Bank outlet;
- via “Help Online” chat: click the message icon in the bottom right corner of the page.
Rates
Account opening
Credit use
Account servicing
Payments and transfers
| Сost for issuing instant issue Universal Gold Card (issue, reissue) |
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| Cost for issuing a personal Universal Gold Card with photo (issue, re-issue) | UAH 150 |
| Cost for issuing a custom-designed card (issue, reissue) | UAH 99 |
| Cost for issuing a custom-designed card with photo (issue, reissue) | UAH 149 |
| Universal Gold Card monthly service fee | 20 UAH per month, eq. |
| Amount of compulsory monthly payment |
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| Interest rate for using a loan during the grace period (up to 55 days) | 0.00001% |
| Interest rate for using a loan on the balance of the debt (after the grace period ends) | 3.4% per month (40.8% per annum) based on 360 days per year |
| Interest rate for using a loan in case of overdue obligations |
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| Interest on the amount of the loan not repayed on time in accordance with Part 2 of Art. 625 of the Civil Code of Ukraine, per annum: |
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| Interest rate for unauthorized overdraft (debt on a card account for which no overdraft is provided) for foreign currency contracts, % of the unauthorized overdraft amount | 1.8% per month (21.6% per annum) |
| Interest rate if an unauthorized overdraft was not repayed until the last day of the month following the month in which an unauthorized overdraft occurred (in accordance with Part 2 of Art. 625 of the Civil Code of Ukraine), under foreign currency contracts, % of the unauthorized overdraft amount | 3.6% per month (43.2% per annum) |
| Fee for withdrawing own funds from Universal Gold Card at PrivatBank ATMs and cash points | 1% of the amount |
| Fee for withdrawing own funds from Universal Gold Card at ATMs and cash points of foreign banks | 2% of the amount |
| Fee for monitoring inactive account for Universal Gold Card | UAH 20 monthly, including VAT, but not more than the account balance |
| Fee for withdrawing credit funds at ATMs and cash points of PrivatBank, any Ukrainian and foreign banks, as well as for transactions with quasi-cash from Universal Gold Card | Differentiated rate depending on the amount: 1–100 UAH – UAH 7; 100.01–200 UAH – UAH 12; 200.01–300 UAH – UAH 18; 300.01–400 UAH – UAH 24; 400.01–500 UAH – UAH 30; 500.01–1,000 UAH – UAH 47; over UAH 1,000 – 4% of the withdrawal amount |
| Additional fee for withdrawing funds from Universal Gold Card without a card at the cash desk or through an ATM using a Card-not-present Transactions Service |
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| Fee for replenishing the Universal Gold Card without a card at the Bank's cash desk or using SST | At the cash desk:
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| Issuing a certificate/statement on Universal Gold Card at a bank branch for any period | UAH 100 Generating a certificate/statement in Privat24 - free of charge |
| Fee for receiving a balance on a check at PrivatBank ATMs and SSTs using a Universal Gold Card | UAH 3 (except for the cash withdrawal check) |
| Fee for funds transfer under the Payment In Installments and Instant Installment programs for Universal Gold Card |
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| Payment with Universal Gold Card in retail outlets and online stores | Free of charge |
| Informing client on a financial asset account through the Privat24 system / Viber / Telegram / e-mail channels | Free of charge |
| AllSMS service (informing on all financial transactions regardless of the amount by sending sms) | 20 UAH/month |
| Base interest rate on the balance of personal funds on the Universal Gold Card product (from UAH 100) per year | from June 1, 2021 it is not active. Deposit option activation is not available. |
| Payment to the card of any Ukrainian bank | Payment through PrivatBank services - 0.5% (min UAH 5) + 3% from credit funds. Payment through the services of other banks - 0.5% (min UAH 5) from own funds or 4% from credit funds |
| Payment to the card of any foreign bank | 2% (min UAH 50) + 3% at the expense of credit funds |
| Payment to the Universal Card, individual's current account | 4% from credit funds or free of charge from own funds + UAH 2 if payment is made in the voice menu |
| Payment to the Payment Card | 0.5% for crediting to the card + 4% from credit funds or 0.5% from own funds + 2 UAH if the payment is made in the voice menu |
| Payment within Ukraine to a legal entity's account in PrivatBank |
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| Payment within Ukraine to a legal entity's account in other Ukrainian bank |
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| Card replenishment (including, crediting the balance from UAH 50) | At the cash desk:
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* PrivatBank’s card holders are charged at a special rate of 0,2% of the amount (min. UAH 2).
Your Extra Features
Personal manager
Contact your personal manager in case of any financial issues at a convenient time. The banker’s contact details can be found in Privat24.
Individual customer support
Round-the-clock GOLD-club customer support: call 0 800 504 707 (for free) or e-mail us: gold-club@privatbank.ua.
Safe Deposit
Reliable storage of your possessions and valuables. We offer: flexible terms for leasing, compliance with security standards, “Shared Lease” service, etc.
“Regular Payments”
Instruct the Bank to make payments for you: pay for your utility bills, transfer money to relatives, top-up your cell.
The commission fee for the service is lower than if you make the same payments at the Bank’s cash desk.
“Payment in Installments”
Purchase goods in installments in over 25 000 shops and stores with no additional commission fees. The payments are available– from one month to one year.
Monthly mandatory payment
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Restructuring for credit card holders - 2022
Terms of the program
How to arrange debt restructuring?
Debt restructuring is available to customers with overdue debts where the Bank has made a relevant decision.
- Mandatory monthly payment:
- The interest rate on credit is 1% per month of the outstanding balance.
- The agreement term is up to 5 years (in the absence of arrears).
Note of warning
What are the possible consequences for a client in case of using the banking service or non-fulfillment of obligations under the contract for provision of this banking service?
Within a grace period (up to 55 days), the interest rate for using a loan is 0.00001% per annum; after the grace period ends and starting from the moment of debt incurrence, the interest rate of 3.4% per month applies.
If fulfillment of obligations under the contract is delayed, the fee of 6.8% per month applies. Learn more about the tariffs.
Can the bank require a client to purchase products that are not included in the banking services package?
The bank is prohibited from requiring the customer to purchase any goods or services from the bank or a related person as a prerequisite for the provision of these services (except for the provision of banking services package).
Does the bank have the right to amend the contract?
The Bank does not have the right to unilaterally amend contracts concluded with clients, unless otherwise is provided by the contract terms or by law.
Does the client have the right to withdraw from the contract?
Yes. The client has the right, within 14 calendar days from the date of the conclusion of the contract, to withdraw from it without explaining the reasons, including without limitation receipt of funds, in compliance with the following requirements. In case of withdrawal of the contract it is necessary to notify the bank thereof (in paper or e-mail with an electronic digital or handwritten signature/seal) in the manner prescribed by law, before the end of the 14-day period from the date of conclusion of the contract. If the client does not submit a notification personally, it must be notarized or submitted and signed by a representative with a power of attorney to perform such actions. Within 7 calendar days from the date of submission of a written notice of cancellation of the contract the client is obliged to return the funds received under the contract to the bank and pay interest for the period from the date of receipt of funds to the day of their return at the rate established thereby.Yes. The client has the right, within 14 calendar days from the date of the conclusion of the contract, to withdraw from it without explaining the reasons, including without limitation receipt of funds, in compliance with the following requirements. In case of withdrawal of the contract it is necessary to notify the bank thereof (in paper or e-mail with an electronic digital or handwritten signature/seal) in the manner prescribed by law, before the end of the 14-day period from the date of conclusion of the contract. If the client does not submit a notification personally, it must be notarized or submitted and signed by a representative with a power of attorney to perform such actions. Within 7 calendar days from the date of submission of a written notice of cancellation of the contract the client is obliged to return the funds received under the contract to the bank and pay interest for the period from the date of receipt of funds to the day of their return at the rate established thereby.
What are the conditions for early termination of the contract?
As per Art. 1056 of the Civil Code of Ukraine, the Bank can deny client a credit provided for in a Contract. A credit can be denied in part or in full if there are circumstances clearly indicating that a credit provided to the Client will not be repaid on time. The parties have agreed that the recognition of such circumstances indicating that a credit will not be repaid on time is to be done by the Bank at its sole discretion and does not require agreement with the Client. In such a case, the Bank can block debit transactions carried out at the expense of credit funds at any time after recognition of such circumstances. The Bank notifies the Client about such blocking by SMS and/or via messengers.
Does the bank have the right to amend the contract?
The Bank does not have the right to unilaterally amend contracts concluded with clients, unless otherwise is provided by the contract terms or by law.
What is the loan term?
Loan term - 12 months. The term for using the loan continues for every next 12 months, unless the bank informs the client about the termination of lending at least 30 calendar days before the loan repayment date.
Frequently Asked Questions
If I issue an “Universal Gold” card and a Gold card for enrollments, from what card will be debited UAH 20 of the monthly commission fee for servicing the Gold card?
UAH 20 will be debited from your Gold Card for Enrollments.
What should I do if I’ve lost my card?
If you’ve lost your card, you should block it as quickly as possible. You can contact round-the-clock GOLD-club customer support at 0 800 504 707 or send an email to: goldclub@privatbank.ua. You can pick up a new card at PrivatBank outlet.
What is a grace period?
The PrivatBank “Universal Gold” card has a grace period during which you can use credit funds for free. Meaning if you repay the loan during the grace period, you will not have to pay any interest on this loan!
What transactions are included into the grace period?
The grace period includes all the card spending transactions– cash withdrawal, card payments made in shops and stores, and cashless transfers.
What is the grace period for “Universal Gold” cards?
The grace period for the “Universal Gold” cards lasts for up to 55 days. If you do not want to pay the interest, you should repay the debt prior to the 25th day of the month which follows the month when you’ve availed the loan.
How does the “55-day grace period” work?
Example 1
- On January 1 you spent UAH 500 from the card; on January 20 you spent another UAH 800.
- If you load UAH 1 300 on to the card before February 25, then you will not pay any interest.
Example 2
- On January 1 you spent UAH 1,000 from the card; on January 30 you spent another UAH 400.
- On February 2 you spent UAH 900, and on February 05 you spent another UAH 100.
- If you load UAH 1,400 that you spent in January on to the card before February 25, then you will not pay any interest.
- In order not to pay any interest again in March, it is necessary to load.
- UAH 1,000 that you spent in February on to the card before March 25.
When the interest for availing credit funds on the “Universal Gold” card should be paid?
If you do not repay the sum of your debt in full until the 25th day of the previous month, the grace period shall not be applied, and the interest will be accrued for the whole sum of debt from the initial date of availing credit funds. The grace period will not extend to new expenses until all of the debt is repaid in full.
For example: on the 3rd of January you purchased some goods in a store and paid UAH 1 000 with the “Universal Gold” card, and on the 5th of February you purchased goods and paid another UAH 500 with the same card, and on the 20th of February you put only UAH 100 on this card. The grace period, in this case, shall not be applied, and the interest will be accrued for the whole sum of the debt from the initial date of availing the credit funds.
What interest is accrued on the “Universal Gold” card?
For availing the credit funds beyond the grace period there is a really favorable interest rate – just 3,4% per month (from the first of August, 2020).
What is the formula for calculating the interest on the “Universal Gold” card?
The interest on the card is calculated for each calendar day of availing the credit funds, using the following formula:
The sum of debt * number of days when the funds are availed * 3,4% * 12 / 365,
Where:
• 365 is a constant value (number of days in one year);
• 3,4% is a constant value (monthly interest rate according to the tariffs);
• 12 is a constant value (number of months in one year).
The calculations shall be made individually for each customer transaction, which will result in changes in the sum of debt. The interest will be accrued on the last day of the month after the expiration of the grace period. When calculating the interest, the figures placed after the second decimal digit shall be discarded.
For example: on the 1st of January you did not have any debt on the “Universal Gold” card. On the 3rd of January you purchased some goods in a store and paid UAH 1 000 with the “Universal Gold” card, on the 5th of February you purchased goods and paid UAH 500, and on the 20th of February you put only UAH 100 on this card.
What is an obligatory monthly payment?
If you did not put any funds during the grace period, the following month after the first transaction, you should make your obligatory monthly payments on the card, these payments shall include both, part of the loan and the accrued interest.
What is the amount for the obligatory monthly payment?
For the “Universal Gold” card the amount for obligatory monthly payment shall be 5%, but not less than UAH 100 from the sum of debt.
What is the procedure for debt repayment in the process of depositing funds to the card account?
The debt repayment when making deposits to your card account shall be made in the following order: fines, penalties, late fees, overdue interest, overdue loan, accrued fees, accrued interest, credit limit debt.
How to replenish the card in order to repay the credit limit debt?
You can replenish your card in Privat24 by making a money transfer from your other card or make a transfer from the card opened in another bank. You can replenish your card with cash via the POS-terminal or PrivatBank cash desks.
How to repay the loan via another Ukrainian bank?
To replenish your card, provide the following details:
- IBAN account number (“Wallet” → “Card” → “Settings” → “Details”);
- Full name;
- Tax payer registration code (TIN).
Do I need to repay the debt on my “Universal Gold” card in full if the card is about to expire?
No, you do not. When the card is reissued, the loan debt and the available balance shall remain, so you will be able to repay the loan as you did previously.
Can I pay with the “Universal Gold” card in the internet stores?
You can pay with the “Universal Gold” card in the internet shops and stores conveniently and with no commission fees. Your card is open for internet payments for the amount up to UAH 1000 per month by default. You can either close or open the card for internet payments in Privat24. You can set an internet limit for your safety: this is the sum which cannot be exceeded when making payments with your card during the calendar month. The limit will be refreshed on the first day of each month, and the indicated sum will be available for your payments again.
What is a CVV code?
The CVV code is the three-digit code used for verification of your card authenticity when making payments online and during other transactions. You can find your CVV code on the back side of the card. These are the last 3 digits of the seven-digit number near the signature space. These 3 digits are visually separated from the whole seven-digit number.
If I pay with my card abroad, according to which exchange rate will the currency be converted?
The currency will be converted at the exchange rate of the day when the purchase was made (the exchange rate will be sent in the SMS which you will receive when you pay with the card).
At what exchange rate is debited the purchase in exotic currency (excluding USD/EUR) from PrivatBank dollar card abroad?
At the rate set by the payment systems, “Exotic currency is USD”. The USD will be debited from the card without conversion.
At what exchange rate is debited the purchase in exotic currency (excluding USD/EUR) from PrivatBank national currency card used abroad?
At the rate set by the payment systems, “the exotic currency is USD”. The USD will be debited at the selling USD rate set by PrivatBank on the day of purchase.
At what exchange rate is debited the purchase in USD/EUR from PrivatBank national currency card used abroad?
At the selling USD/EUR rate set by PrivatBank on the day of purchase.
