Try. With this card you can:
| Grace period | up to 55 days |
| Your benefit is accrual of interest on your own funds exceeding UAH 100 (effective after activation) | 7% per annum |
| Maximum line size | UAH 50,000 |
| Issue and reissue: | |
| 6 pieces per year (3 pieces for an authorized person) | Free |
| More than 6 cards per year (more than 3 cards for an authorized person) | 100 UAH |
| Issue of a card with a photo | 100 UAH - with a name and a photo - UAH 100 |
| Basic interest rate per month: | Before 01.08.2020 - 3,6% After 01.08.2020 - 3,5% |
| Monthly Statutory Payment | 5% of the arrears under credit, but not less than UAH 100 and not more than the balance of the debt; 10% of the arrears under credit, but not less than UAH 100 and not more than the balance of the debt - in case of delay, starting from the second month thereof |
| Credit use fee in case of delay in the performance of the contractual obligations, per month: | Before 01.08.2020 - 7,2% After 01.08.2020 - 7,0% |
| Interest from the amount of the timely unrecovered loan in accordance with Part 2 of Article 625 of the Civil Code of Ukraine, per annum: | Before 01.08.2020 - 86,4% After 01.08.2020 - 60% The list of conditions under which in accordance with Part 2 of Article 625 of the Civil Code of Ukraine an interest is accrued, given in Clause 2.1.1.2.12 of the Terms and Conditions |
| Monthly card usage fee | - |
| Fee for withdrawal of credit funds at ATMs and PrivatBank's cash points, any Ukrainian and foreign banks, as well as for quasi-cash transactions. The amount of cash withdrawals at ATMs of PrivatBank (Ukraine) is limited to UAH 20,000 within 3 hours. | UAH 1-100 - UAH 7 UAH 100.01-200 - UAH 12 UAH 200,.01-300 - UAH 18 UAH 300.01–400 - UAH 24 UAH 400.01–500 - UAH 30 UAH 500.01–1,000 - UAH 47 more than UAH 1000 – 4% of the transaction amount |
| Fee for withdrawal of own funds | |
| At ATMs and cash points of PrivatBank and other banks of Ukraine | 1% |
| At ATMs and cash points abroad | 2% |
| Fee for currency conversion when performing transactions abroad | Free of charge |
| Fee for non-cash payment | |
| Payment for goods and services at retail outlets and on the Internet | UAH 0 |
| Fee upon "Payments by Installments" and "Instant Installments" programs | 4% for transfers from credit funds or free of charge for transfers from own funds |
| Sending urgent money transfer | 3% for transfers from credit funds or free of charge for transfers from own funds |
| Transfer to a card of any Ukrainian bank | Payment by means of PrivatBank services - 0.5% (min UAH 5) + 3% for transfers from credit funds Payment by means of services of other banks - 4% for transfers from credit funds or 0.5% (min UAH 5) for transfers from own funds |
| To the Mastercard card of a foreign bank | 2% (min UAH 50) + 3% for transfers from credit funds |
| To the Visa card of a foreign bank | 1% (min $1) + 3% for transfers from credit funds |
| Transfer to any Universal Card, current account of an individual | 4% for transfers from credit funds or free of charge for transfers from own funds + UAH 2 for transfers by voice menu |
| Transfer to a Card for Pay-outs | 4% for transfers from credit funds or 0,5% for transfers from own funds + UAH 2 for transfers by voice menu |
| To an account of a legal entity in PrivatBank (payment within Ukraine) | own funds - commission fee credit funds - commission fee +3% |
| To an account of a legal entity in other Ukrainian bank (payment within Ukraine) | own funds - commission fee credit funds - commission fee +3% |
| Fee for monitoring the inactive Bonus Plus account of your card (when there are no transactions on Bonus Plus account for the 500 days in a row and there are no active cards). | UAH 100 for the first year and UAH 500 for each subsequent year, but no more than Bonus Plus account balance. |
| Provision of certificates and receipts | UAH 0 Certificate of debt (must be submitted to state bodies in case of traveling abroad) |
| UAH 100 Card statement / certificate at the bank branch for any period | |
| UAH 3 Getting a balance receipt at ATM and self-service terminal of PrivatBank (other than cash withdrawal receipt) | |
| Fee for withdrawing money in order to top-up your mobile account | 1% - at the expense of credit funds |
| Card replenishment (including crediting the remainder of more than UAH 50) | at the cash desk
at the self-service terminal - without using a card - 0.5% of the amount (minimum UAH 5) For cardholders of PrivatBank there is a promotional rate of 0.2% of the amount (minimum UAH 2). |
| Cash withdrawal without using the card at the cash desk or ATM | at the cash desk - without using a card - 0,2% min - 5 UAH ATM: UAH 2 (except withdrawal by scanning a QR code) |
| Effective interest rate: | Before 01.08.2020 - 52,84% After 01.08.2020 - 51,09% |
| Fee for monitoring the expired card on which there were no transactions for 6 consecutive months (there are no other active cards) | - more than 12 months ago – UAH 100 per year, - more than 24 months ago – UAH 500 per year, but not more than the card balance |
What transactions are taken into account during grace period?
Any expense transactions, including cash withdrawal, card payment for purchases and non-cash transfers.
How do I repay the loan via other Ukrainian bank?
To refill your card via any other Ukrainian bank, you will have to provide the following details:
Beneficiary: JSC CB PRIVATBANK
Beneficiary's code (EDRPOU): 14360570
Beneficiary bank code (MFO): 305299
Beneficiary account: 29244825509100
Reference: refill of the card No. (card number), your full name and taxpayer ID.
Can I receive money transferred from abroad to Universal Card?
Credit cards are only issued in UAH, so they can be refilled only via Ukrainian banks. For abroad transfers, we recommend using any other personal card issued in the currency of transfer, e.g., Universal Gold currency card, or Card for Pay-outs in the required currency.
Can I ask the bank to decrease credit limit on my Universal Card?
Yes, you can request lowering your credit limit if you want to.
Do I have to repay my debt in full before the card expires?
It is not necessary, as after the card is re-issued, both debt and balance will remain the same, so you will be able to continue repaying your debt.
What if I lose the card?
In case of card being lost or stolen you have to block it as soon as possible. This can be done by calling 3700 (free for mobile calls within Ukraine), the service is available 24/7. You can receive your new card in PrivatBank branch. Card loss is not a reason for distress!
Will the card number stay the same after re-issuance due to card loss or expiration?
No, your new card will have the new number.
How do I pay for online purchase with the card? Activating online payments.
How do I get an instant card?
You have to visit the nearest PrivatBank branch. The only document needed is your passport. The procedure of card issuance takes just 15 minutes.
How old do I have to be to get Universal Card?
You have to be 16 years old to get Universal Card to use it as a personal card, but credit limit can be set on it only after you turn 18.
What is the interest rate for Universal Card loan?
The effective interest rate for Universal Card loan is:
Before 01.08.2020 - 52,84%
After 01.08.2020 - 51,09% .
This is the total cost of the loan, including (in addition to the nominal interest rate) the costs of loan servicing and processing. It is distributed over the entire term of the loan and expressed as a percentage of the loan amount.
When do I have to repay the loan in order not to pay the interest?
Within the first 25 days of the month that follows the month when you used a credit funds.
Is there a monthly fee for using the card if I do not have a debt?
Monthly fee is not charged for using a Universal Card.
What is included in a mandatory monthly payment?
Starting from the month following the first transaction that used credit funds, you will have to make mandatory monthly payments to the card. These include a fraction of the loan and interest. Debt repayment by putting money on a card account is made in the following order: penalties, fines, overdue fees, overdue interest, overdue loan, accrued fees, accrued interest, debt.
In what cases is my inactive card being monitored?
If you have up to 100 UAH on your card balance and no transactions with the card were conducted within 12 months in a row.
What conversion rate is used when I use the card for paying abroad?
Currency conversion will be made at the rate of the day when you made the payment. The conversion rate will be specified in the SMS message that you will receive after making the payment.
How do I put money on my card to repay the loan?
You can put money on your card by transferring funds from another PrivatBank card using Privat24 app, or refill it using card of another Ukrainian bank. You also can use cash to refill your card at a self-service terminal or cash desk of a nearest PrivatBank branch.
Can I transfer money from Universal Card to QIWI wallet?
Yes! You can link your Universal Card to your QIWI wallet in your account at the QIWI website. Please note that the service charges a fee.
What should I do if the interest is accrued incorrectly?
If you think that the interest on using the credit limit has been accrued incorrectly, please contact the bank using the “Online Help” chat.
What is a CVV code?
CVV code is a three-digit code used to verify your card authenticity for online payments and some other transactions. You can find it on the backside of your card - CVV is the last 3 digits of the seven-digit number next to the signature stripe, they are usually visually separated from the other numbers.
Frequently Asked Questions on interest accrual
In what case do I have to pay interest for using credit funds on Universal Card?
If you do not repay the full amount of credit funds used in the previous month by the 25th day of the current month, the grace period does not apply, so the interest is accrued on the entire amount of your debt, starting from the date you began to use credit funds. The grace period will not be applied to any new expenditures until the debt is repaid in full.
Example: You have spent 1000 UAH of credit funds making purchases in a store using your Universal Card on January 3 and went on to spend 500 UAH on February 5. On February 20, you have put 100 UAH on your card. The grace period cannot be applied in this case, so interest is accrued on the entire amount of your debt from the date you started spending credit funds.
What is the interest rate accrued on debt on a Universal Card?
The interest rate for using credit funds beyond the grace period is very favorable, you only have to pay 3,5% (after 01.08.2020) per month.
Before 01.08.2020 - 3,6%
What formula is used for interest calculation on Universal Card?
The interest is calculated for each calendar day of using credit funds according to the following formula:
debt amount * days of using credit funds * 3,5% * 12 / 365
where:
• 365 is a constant value (the number of days in a year);
• 3,5% is a constant value (the monthly interest rate according to bank tariffs);
• 12 is a constant value (the number of months in a year).
Separate calculation is made for each transaction, resulting in a change of total debt amount. The debiting of interest takes place on the 1st day of the month following the month of grace period expiration. The result of calculating is rounded to two decimal digits.
Example: As of January 1, you had no debt on your Universal Card. You have spent 1000 UAH of credit funds making purchases in a store using your Universal Card on January 3 and went on to spend 500 UAH on February 5. On February 20, you have put 100 UAH on your card.
Can I choose the design of my Universal Card?
Yes, you can have either a card with individual design or a regular instant card.
Do rates and other terms of service depend on the card design?
No, design only affects the way your card will look. It does not affect rates and terms of service.
What is a quasi-cash transaction?
Quasi-cash transaction is a purchase of traveler’s checks, lottery tickets, bonds, precious metals at credit organizations, as well as transactions in casinos and other gambling establishments, including online ones.
Why do I have to pay a fee for quasi-cash transactions, as when withdrawing cash?
Because quasi-cash transactions are highly liquid transactions, i.e., the purchase of assets that are easily converted into cash. The bank is entitled to equate them with cash withdrawal transactions.
What is the commission fee for quasi-cash transactions?
The commission fee for quasi-cash transactions is equal to that for credit funds withdrawal from Universal and Universal Gold cards.
At what rate will my PrivatBank card in the national currency be debited for purchase made abroad in RUB / USD / EUR?
At the sell rate of RUB / USD / EUR set in PrivatBank at the day of purchase.
At what rate will my PrivatBank card in the national currency be debited for purchase made abroad in exotic currency (other than RUB / USD / EUR)?
At the exchange rate set by payment systems for the exotic currency/USD pair. The amount of money in USD will be debited at the sell rate set in PrivatBank for USD/UAH pair at of the day of purchase.
At what rate will my USD PrivatBank card be debited for purchase made abroad in exotic currency (other than RUB / USD / EUR)?
At the exchange rate set by payment systems for the exotic currency/USD pair. The amount of money in USD will be debited from your card without charging conversion fee.
How can new client order issuance of a credit card?
By filling out a form for online order at the bank’s website. After issuance, client can get the card in the nearest bank branch or have it delivered by courier.
Can I get a loan in 1 day without providing an income certificate?
The fastest way to do this is increase the credit limit on your Universal Card. Open the Privat24 app, choose “My accounts” tab and then choose the card on which you want to increase the credit limit. Press “Manage card/account”, and on the page that opens find the “Credit limit” section.
Where can I get a credit card without providing an income certificate?
You can get Universal Card at any PrivatBank branch within 15 minutes, and you do not have to provide an income certificate to do this.
What is a «Digital card» and how do you get it?
Digital Universal Card has all the benefits and features of a regular plastic card.
How to get it?
Step 1. Open Privat24.
Step 2. Choose “Wallet” -> “Cards”
Step 3. Choose the “Add Cart” operation and press “Virtual”.
Virtual cards capabilities:
Do I have to inform the bank about going abroad with the card?
PrivatBank cards are open for any transactions abroad!
You don’t need to take any additional actions to pay for your purchase or withdraw cash abroad.
Use the card for paying abroad, it’s more cost-effective and much easier than withdrawing cash! This way, you avoid double conversion and save on additional fees.
You can also set limits on using your card for online or abroad payments in Privat24.
How long does it take to get the card?
You can get the Universal Card in just 15 minutes.
Registration process is very easy. To get the card you have to show your passport and taxpayer ID. Other documents, like income certificate, are not necessary, but having them can strongly influence the amount of your credit limit.
You can also have the card delivered to you. To do this, you have to order it online by filling a form.
What is a deposit function and how to activate it?
Universal Card lets you keep your money on the account and receive an additional interest rate in the amount of 7% per annum on any personal funds over 100 UAH (the money is added to your bonus account). To receive the interest, you have to activate the deposit function in Privat24 by choosing ‘’Manage card/account - Accrual of interest on the card balance - Enable”
Credit limit: what do you need to know?
Credit limit up to 50 000 UAH
At your discretion, a credit limit can be set on your Universal Card.
Credit limit is the amount of funds that you can borrow from the bank without having to provide an income certificate. The amount of credit limit is individual for each client.
If you provide us with income certificate, international passport, documents confirming property rights, or another bank’s account statement, you will have a chance to increase your credit limit!
One of the benefits of Universal Card is credit limit set for 1 day. This usually happens right after card issuance and activation.
You can check your current credit limit in a number of ways: at an ATM, at bank’s branch, using Privat24 or in “Online Help” chat.
Frequently asked questions about the grace period
What is a grace period?
Universal Card by PrivatBank has a period during which you can use credit funds for free without having to provide an income certificate. This means that if you repay the loan during the grace period, you will not have to pay any interest on it!
What grace period does Universal Card have?
Universal Cards have a grace period up to 55 days. This means that in order not to pay interest, you have to repay your loan within the first 25 days of the month following the month when you used the credit.
Example 1
You have spent 500 UAH of credit funds on January 1, and 800 UAH more on January 20. If you put 1300 UAH on the card until February 25, you will not have to pay any interest.
Example 2
You have spent 1000 UAH of credit funds on January 1, and 400 UAH more on January 30.
Then you have spent 900 UAH on February 2, and 100 UAH more on February 5.
If you put on the card 1400 UAH spent in January until February 25, you will not pay interest.
In order not to pay interest for credit funds spent in February, you will have to put 1000 UAH on the card until March 25.
What is a mandatory loan payment?
If you fail to repay the loan during the grace period, you will have to make a monthly payment in order to repay it. The minimum mandatory monthly payment is 5% of your debt amount (but not less than 100 UAH), which will not burden your family budget but will let you repay the debt in time.
We made sure that you can easily check the amount of mandatory payment. You can do it at an ATM, at an SST, using Privat24 or by calling our support service at 3700.
