Cookies settings
We use the necessary cookies for the operation of our site. We would also like to set additional cookies to help us improve our site. Read more about cookies in our Notification of Cookie Processing.
11 million clients are already using Universal Card
Try. With this card you can:
- spend either your or bank’s credit money
- pay anywhere, everywhere, online and abroad
- enjoy a grace period of up to 55 days interest-free
- pay by smartphone and watch contactlessly with Google Pay and Apple Pay
Service rates
| Grace period | up to 55 days |
| Minimum credit | UAH 0 |
| Maximum credit | UAH 200,000 |
| Credit term | 12 months with automatic renewal |
| Cost of issue and reissue: | |
| 6 cards per year (for additional cardholders — 3) | Free of charge |
| 7 or more cards per year (4 or more for additional cardholders) | UAH 100 |
| Card with personalised photo for yourself or additional cardholder | UAH 100 |
| Basic interest rate per month: | Until August 1, 2020 – 3.6% From August 1, 2020 – 3.5% |
| Minimum monthly payment | 5% of the balance, not less than UAH 100 and no more than the balance; 10% of the balance, not less than UAH 100 and no more than the balance – if overdue, starting from the second month |
| Fee for overdue payments under agreed level, per month: | Until August 1, 2020 – 7.2% From August 1, 2020 – 7.0% |
| Interest on the amount not repaid on time in accordance with Part 2 of Art. 625 of the Civil Code of Ukraine, annually: | Until August 1, 2020 – 86.4% From August 1, 2020 – 60% The list of conditions under which interest is accrued in accordance with Part 2 of Art. 625 of the Civil Code of Ukraine, given in paragraph 2.1.1.2.12 of the Terms and Conditions |
| Monthly fee for using the card | - |
| Fee for cash withdrawals at PrivatBank ATMs and cash points, any Ukrainian and foreign bank cash points, as well as quasi-cash transactions. The amount of cash that can be withdrawn from PrivatBank(Ukraine) ATMs is limited – no more than UAH 20,000 in 3 hours. | 1 — UAH 100 — UAH 7 100.01 — UAH 200 — UAH 12 200.01 – UAH 300 – UAH 18 300.01 – UAH 400 – UAH 24 400.01 – UAH 500 – UAH 30 500.01 – UAH 1,000 – UAH 47 over UAH 1,000 – 4% of the transaction amount |
| Fees for cash advances | |
| From PrivatBank ATMs and cash points and other Ukrainian banks | 1% |
| At ATMs and cash points abroad | 2% |
| Currency conversion fee for transactions abroad | Prohibited transactions |
| Cashless payment fee | |
| Payment for goods and services in retail outlets and online | UAH 0 |
| Fee for Payment in Instalments/Instant Instalments | 4% for payments from credit funds or free of charge for payments from own funds |
| Sending urgent cash payments | 3% for payments from credit funds or free of charge for payments from own funds |
| Payment to a card from any Ukrainian bank | payment via PrivatBank services – 0.5% (min. UAH 5) + 3% offset against credit funds payment via other banks services – 0.5% (min. UAH 5) offset against own funds, or 4% against credit funds |
| Transfer to Mastercard from a foreign bank | 2% (min UAH 50) + 3% for payments from credit funds |
| Transfer to a Visa card from a foreign bank | 1% (min equivalent $1) + 3% for payments from credit funds |
| Payment to any Universal Card, individual current account | 4% for payments from credit funds or free of charge for payment from own funds + UAH 2 for payments by voice banking |
| Payment to a Card for Pay-outs | 4% for payments from credit funds or 0,5% for payments from own funds + UAH 2 for payments by voice menu |
| Payment to PrivatBank account of a legal entity within Ukraine | own funds - Charge for payment credit funds - Charge for payment + 3% |
| Payment to a legal entity account from another Ukrainian bank | own funds - Charge for payment credit funds - Charge for payment + 3% |
| Fee for monitoring an inactive "Bonus Plus" card account (if for 500 consecutive days there is no activity on the "Bonus Plus" account and there are no active cards). | UAH 100 for the first year and UAH 500 each following year, but not more than the balance of funds on the Bonus Plus account |
| Providing certificates and checks | UAH 0 Certificate of debt (must be provided to government agencies when travelling abroad) |
| UAH 100 Reference/certificate for a card in the bank branch for any period | |
| UAH 3 Balance check at a PrivatBank ATM and self-service terminal (not including a cash withdrawal check) | |
| Fee for withdrawing funds from the card to top up a mobile phone | 1% from credit funds |
| Card replenishment (including crediting the change from UAH 50) | At a cash desk:
Digital card:
Via a self-service terminal:
|
| Cash withdrawal without a card | At a cash desk – 0.2%, min. UAH 5 (UAH 0 for Digital cards) At ATMs – UAH 2 (UAH 0 with QR-code) |
| Effective interest rate: | Until August 1, 2020 – 52.84% From August 1, 2020 – 51.09% |
| Card monitoring commission of expired card and for which there have been no transactions for 6 months in a row (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 |
Show all
* PrivatBank’s card holders are charged at a special rate of 0,2% of the amount (min. UAH 2).
Monthly mandatory payment
{{ monthlyPayment.toLocaleString() }} UAHCredit amount
{{ amountCredit.toLocaleString() }}Interest amount
{{ amountPercents.toLocaleString() }}Total loan costs
{{ totalCostsByCredit.toLocaleString() }}Total сredit cost
{{ costCredit.toLocaleString() }} UAHBase interest rate, per month
{{ percentageRateInMonth }} %Real annual interest rate
{{ realYearRate }} %The calculation of interest is for reference only
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 3.5% per month applies.
If fulfillment of obligations under the contract is delayed, the fee of 7.0% 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
What transactions are taken into account during grace period?
Any expense transactions, including cash withdrawal, card payment for purchases and non-cash transfers.
How to repay a loan through another Ukrainian bank?
To top up your card, please provide the following details:
- IBAN (Privat24 → Wallet → Card → Settings → Details)
- Full name
- TIN
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.
Table
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:
- Payments with Privat24
- Online shopping
- Payments for goods and services with Apple Pay and Google Pay
- Cash withdrawal in ATM using QR-code
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.
Credit limit: what do you need to know?
Credit limit up to 200 000 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.
