universalna

What is a Universal Card?

It's a card that gives you the opportunity to use both your own money on the card and the bank's funds by taking out a loan (up to UAH 50,000).

Your relatives, friends or partners can transfer money to this card.

Payment is possible in any retail outlets, on the Internet and in self-service terminals. You can also withdraw cash anywhere in the world.

When keeping your own money on the card, you receive 7% per annum on your own assets balance exceeding UAH 100 (the money is credited to your bonus account). For this purpose you need to activate the deposit function of your card by means of Privat24 or ATM.

The grace period of up to 55 days allows you to use credit funds for free.

If you pay off the debt during the grace period, you will not have to pay interest!

PrivatBank cards are open for any operations abroad!

To pay for purchases by card and withdraw cash at ATMs abroad you don't have to "switch on" your card or warn the bank before your trip.

Make it your habit to pay with a card anywhere abroad, because it is much more convenient and cost-effective than cash withdrawing! In this way you avoid double conversion and save on commissions.

The security of payments is guaranteed by international payment systems and the PrivatBank's fraud prevention automated program. If additional confirmation of payment abroad is required, the bank's employees will contact you by any way convenient for you.

In Privat24 you can set limits on the use of your cards on the Internet or abroad by yourself.

Simple and free registration without income certificate

The card issuing will take you only 15 minutes.

To obtain a card it is enough to present your passport and taxpayer ID number. Other documents, such as a job reference, are not mandatory, but their availability may be an important factor in determining the credit limit.

7% per annum on your own assets balance on the Universal Card

You can keep your own money on the Universal Card and receive additional income in the amount of 7% per annum on your own assets balance exceeding UAH 100 (the money will be credited to your bonus account).

For this purpose you need to activate the deposit function of your card by means of Privat24 or ATM.

Credit limit of up to UAH 50,000

At your discretion, a credit limit may be set on your Universal Card.

Credit limit is the amount of money that the bank lends to you. The credit limit size is set individually for each client.

Provide us with a certificate of your income, your passport for travel abroad or documents confirming the property holding, as well as a statement of your card account with another bank, and it will improve your chances of increasing the credit limit!

The advantage of a Universal credit card is that the credit limit is set in 1 day. Most often, this takes place immediately after the issuance and activation of the card.

You can find out the current amount of your credit limit in any way convenient for you: at an ATM, at the bank's branch, in the Privat24 system or in online chat.

Grace period is up to 55 days

Universal Card of PrivatBank has a grace period of use, during which you can use credit funds for free. This means that if you pay off the debt during the grace period, you will not have to pay interest on this loan!

Universal Cards have a grace period for using the credit up to 55 days. It means that in order not to pay interests, you have to pay back your debt before the 25th day (inclusive) of the month following the month when you used the credit.

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 5 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

If you fail to meet the grace period, then you will have to make a monthly payment to the card for the loan repayment. The minimum monthly payment is 5% of outstanding amount (but not less than UAH 100), which will not create a significant burden on your family budget and at the same time will prevent you from falling into arrears.

We made sure that you could find out the amount of the mandatory payment as simple as possible. You can check it yourself by means of an ATM, a self-service terminal, by calling 3700 or in Privat24 Internet-bank".

Example for accrual of interests for using the credit limit:

Debt amount, UAH	Number of days	Accrued interest amount, UAH
UAH 1,000 (purchase on January 3)	From Jan. 03 to Feb. 04 inclusive = 33 days	1,000 * 33 * 3.6 * 12 / 365 / 100 = 39.06 UAH
UAH 1,500 (amount of purchases on January 3 and February 5)	From Feb. 05 to Feb. 20 inclusive = 16 days	1,500 * 16 * 3.6 * 12 / 365 / 100 = 28.41 UAH
UAH 1,400 (debt after repayment on February 20)	From Feb. 21 to Feb. 28 inclusive = 8 days	1,400 * 8 * 3.6 * 12 / 365 / 100 = 13.26 UAH

The total amount of accrued interest as of Feb. 28: UAH 80.43 = 39.06 + 28.41 + 13.26

Service rates

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
Cost of registration	UAH 0****
Issue of a card with a photo, as well as reissue of a card to a client or his/her relatives (reissue is not carried out on the initiative of the client and during the period of validity)	- nstant – UAH 0 **** - with a name and a photo - UAH 100
Basic % rate per month	3,6 *
Mandatory monthly payment	5 % of the debt on the loan, but not less than 100 UAH and not more than the outstanding debt
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	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
Transfer to a card of any foreign bank	2% (min UAH 50) + 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 8 for transfers by phone
Transfer to a Card for Pay-outs	4% for transfers from credit funds or 0,5% for transfers from own funds + UAH 8 for transfers by phone
To an account of a legal entity in PrivatBank (payment within Ukraine)	own funds: 1% (min UAH 3 max UAH 1000) credit funds: 4% + UAH 8 for transfers by phone
To an account of a legal entity in other Ukrainian bank (payment within Ukraine)	own funds: 1% (min UAH 3 max UAH 1000) credit funds: 4% + UAH 8 for transfers by phone
Penalty for delay in payment of the loan and / or interest. The penalty is charged on the day of writing off of interest	The penalty is 0,24% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 50 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH. The penalty is 0,24% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 100 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH for the second month in a row and longer
Penalty for violation of payment deadlines under any monetary obligations	UAH 500 + 5% of the debt amount within the credit limit, including interest and fees accrued and overdue
Penalty for failure to fulfill obligations in accordance with the terms and conditions of banking services	UAH 500 + 5% of the debt amount within the credit limit, including interest and fees accrued and overdue. 0,24% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 50 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH. 0,24% of the total debt amount (charged for each day of delay instead of the base interest rate) + UAH 100 each time when there is a delay in payment of a loan or interest for the amount of not less than 100 UAH for the second month in a row and longer.
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 without using the card (including crediting the remainder of more than UAH 50).	at the cash desk - UAH 5 at the self-service terminal - 0.5% of the amount (minimum UAH 5) ***;
Cash withdrawal without using the card at the cash desk or ATM	UAH 2 (except withdrawal by scanning a QR code)
Effective interest rate	52,84%
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

Show all

* For all expenses made before April 1, 2015, interest will be accrued at the old rate (2.9%) until the amount withdrawn from the credit funds before April 1, 2015 is returned to the card in full.

** The amount of cash withdrawals at ATMs of PrivatBank (Ukraine) is limited to UAH 20,000 within 3 hours.

*** For cardholders of PrivatBank there is a promotional rate of 0.2% of the amount (minimum UAH 2).

**** the maximum quantity of free cards is 6 pieces per year (3 pieces for an authorized person);

Frequently asked questions

What transactions are taken into account during the grace period?

During the grace period all expense transactions from the card are taken into account, i.e. cash withdrawals, card payments in stores and non-cash transfers.

How to repay a loan via another Ukrainian bank?

To replenish your card in another Ukrainian bank, you will need to provide the following details:
Beneficiary: PJSC CB PRIVATBANK
Beneficiary's code (EDRPOU): 14360570
Beneficiary bank code (MFO): 305299
Beneficiary account: 29244825509100
Reference: replenishment of the card No. (card number), your full name and taxpayer ID number.

Can I receive money to my Universal Card from abroad?

Credit cards are issued only in UAH, so you can replenish them only via Ukrainian bank. To receive a transfer from other countries, we recommend that you issue any personal card with an account in the currency of the transfer. For example, Currency Universal Gold card or Card for Pay-outs in the required currency.

Can I pay by Universal Card in online stores?

With any PrivatBank card you can pay online conveniently and free of charge. Before making payments in online stores we recommend you to check whether your card is open for online payments (this can be done in Privat24 in "My accounts"> "Card / account management"> "Payment online"). You can also close or reopen a card for risky online transactions by means of Privat24.

For safety reasons, set an Internet limit, i.e. an amount beyond which you cannot spend from the card during the calendar month during the calendar month (the limit is valid only for risky Internet transactions). On the first day of every month, the limit will be revolved, and you will be able to redeem this amount again.

Can I ask the bank to reduce the credit limit on my card?

Yes, you can contact the bank and apply for a reduction of your credit limit.

Should I fully pay off the debt on Universal Card, when the card expires?

That is unnecessary. After the reissuance of your card the loan debt and the available balance will remain the same, and you will be able to repay the loan in the same way as before.

What if my card is lost?

In the event of loss or theft of your card you should block its account as soon as possible. You can contact the bank 24/7 by calling 3700 (toll-free for mobile calls within Ukraine). You will receive a new card at the PrivatBank branch.

Will the card number remain the same after the re-issue due to a loss or expiration?

The card number does not remain the same.

How do I pay online with a credit card? Opening a card for online payment

Learn more

Frequently Asked Questions about penalties

What is the penalty?

According to the terms of the agreement, if a client defaults on any Universal Card payments for more than 30 days, he/she will be charged a penalty in the amount of 500 UAH + 5% of the outstanding amount. The mechanism for calculating the penalty is specified in the Terms and Conditions of Banking Services.

How can I pay the penalty?

The penalty shall be repaid as a matter of priority. It is required to pay the full amount of the penalty + overdue loan payment.

When do I receive an SMS about the possible accrual of penalties? On what day of delay?

Penalties for Universal Card are charged on the 30th day of arrears. An SMS message indicating the amount of debt and a warning about the possible accrual of penalties shall be sent to the client on the 20th day of arrears on Universal Card. In order to avoid accrual of penalties, the client needs to pay the debt within 10 days after receipt of the SMS.

On what day of arrears does SMS about accrual of penalties on Universal Card come?

Penalties for Universal Card are charged on the 30th day of arrears. On the same day, an SMS message is sent to the client stating that he/she has been penalized. The amount of debt and penalty is also indicated. The bank may decide to enforce the debt from the client in court. In order to prevent this procedure, the client must pay off the debt and pay a penalty within 7 days after receiving the SMS.

How do I get an instant card?

You need to visit the nearest branch. To get a card it is enough to present your passport. The card issuing will take you only 15 minutes.

At what age can I get a Universal Card?

From the age of 16, you can register a Universal Card without a credit limit and use it as a personal card. The credit limit will be set on your card after you reach age 18.

What is the interest rate?

The effective interest rate is 52.84%.

This is the total cost of the loan, which includes (in addition to the nominal interest rate) the costs of loan servicing and processing. It is spread over the entire term of the loan and expressed as a percentage of the loan amount.

Until when should I repay the debt so as not to pay interest on the loan?

Before the 25th day of the month following the month when you used the credit.

How can I activate the deposit function of the card in order to receive interest on my own funds?

In Privat24 select "Card / account management - Accrual of interest on the card balance - Enable".

Is there a monthly fee for using the card if I have no debt on the card?

There is no monthly fee for using a Universal Card.

What is included in the monthly mandatory payment?

Starting from the month following the first transaction, you will need to make mandatory monthly payments to the card, which include both a portion of the loan principal and accrued interest. Debt repayment when depositing funds to a card account shall be carried out in the following order: penalties, fines, overdue fees, overdue interest, overdue loan, accrued fees, accrued interest, debt under the credit limit.

In what cases is my inactive card being monitored?

If you have your own funds of up to UAH 100 (inclusive) on your card and there have been no transactions on your card for 12 months in a row.

If I pay by card abroad, then at the rate of what day will the currency be converted?

Currency conversion will be carried out at the rate of the day when you made the purchase (the rate will be indicated in the SMS that you will receive when paying by card).

How do I replenish my card in order to repay the debt under the credit limit?

You can replenish your card in Privat24 by transfer from another of your cards or transfer funds from the card of another bank. You can replenish your card in cash at self-service terminals or cash desks of PrivatBank.

Can I transfer money to QIWI-wallet from Universal Card?

Yes! You can link your Universal Card to your QIWI wallet in your account on 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, contact the bank's representatives by using the online chat.

What is a CVV code?

A CVV-code is a three-digit code for verifying the authenticity of your card when paying online and performing other types of transactions. You can find the CVV code on the back of your card - it is the last 3 digits of the seven-digit number next to the signature stripe, which are usually visually separated from the whole number.

What is the deposit option of the Universal Card?

You can keep money and receive 7% per annum on a monthly basis. To do this you do not need to open a deposit - it is enough to activate the deposit option of your card in Privat24.

Frequently asked questions on the grace period

What is the grace period?

What is the grace period of Universal Cards?

Universal Cards have a grace period for using the credit of up to 55 days It means that in order not to pay interests you have to pay back your debt before the 25th day of the month following the month when you used the credit.

How does the grace period of "55 days" work?

In order to take advantage of the grace period, you must deposit the amount of the debt of the past month on any day before the 25th day of the current month. The grace period is not applied if your card has outstanding debts of previous periods. In this case, the grace period will not be applied to new expenditures!

Example: You did not use your card earlier. On March 2, you made a purchase in the store with your Universal Card for UAH 500, and on March 28 you made a purchase for another UAH 500. By April 25 you had paid back UAH 1000 to your card and did not pay for the use of credit funds.

How do I save on purchases with my Universal Card?

Payment by Universal Card in stores is carried out without any fees. In stores that are the partners of Bonus Plus program you make purchases without any fees and earn some good bonuses. For cash withdrawal at an ATM you pay a fee, the size of which depends on the amount of withdrawal. The fee will be added to your debt.

Example: You have no debts on your card. On March 5, you made a purchase from credit funds for the amount of UAH 300, and on March 28 you withdrew another UAH 450 from the card. The fee for withdrawal of credit funds at ATMs and cash desks of any Ukrainian or foreign bank in the amount from UAH 400.01 to UAH 500 is UAH 30. On April 5 you had to withdraw another UAH 1,500 from your card. The fee for withdrawal of credit funds at ATMs and cash desks of any Ukrainian or foreign bank in the amount more than UAH 1,000 is 4% of the withdrawn amount, that is UAH 60. After paying out the amount of expenses in March (300 + 450 + 30 = 780 UAH) by April 25, you cannot worry about those UAH 1,560 taken at the beginning of the month - interest on them will not be charged if you pay 1 560 UAH to 25 May!

Frequently Asked Questions about accrual of interest

In what case do I have to pay loan interest on Universal Card?

If you do not pay back the full amount of the debt of previous month by the 25th day of the current month, the grace period is not applied, and interest is accrued on the entire amount your debt from the date of beginning of the use of credit funds. The grace period will not be applied to any new expenditures until the full repayment of all debts.

Example: You made purchases in the store with your Universal Card on January 3 for the amount of UAH 1,000 and on February 5 for the amount of UAH 500. On February 20, you replenished your card only for UAH 100. The grace period is not applied, and interest is accrued on the entire amount your debt from the date of beginning of the use of credit funds.

What is the interest accrued on the debt on my Universal Card?

The interest rate for the use of credit funds beyond the grace period is very advantageous; it is only 3.6% per month.

What is the formula for calculation of interest on Universal Card?

The interest on a card is calculated for each calendar day of using the credit funds according to the formula:

debt amount * days of using the funds * 3.6% * 12 / 365

where:
• 365 is a constant value (the number of days in a year);
•3.6% is a constant value (the monthly interest rate according to the schedule of rates);
• 12 is a constant value (the number of months in a year).

The calculation is made separately for each client's transaction, resulting in a change of the debt amount. The debiting of interest is carried out on the 1st day of the month following the month when the grace period expires. When calculating interest, the digits to the right of the hundredths place shall be dropped.

Example: As of January 1, you had no debt on your Universal Card. You made purchases in the store with your Universal Card on January 3 for the amount of UAH 1,000 and on February 5 for the amount of UAH 500. On February 20, you replenished your card only for UAH 100.

Can I choose the design of my Universal Card?

Yes, at the issuance you will be offered to choose a patriotic card in the colors of the national flag or a traditional one with a strawberry.

Are the rates and other terms of service dependent on card design?

No. You just choose the exterior appearance of your Universal Card. The rates and terms of service are not affected.

What is a quasi-cash transaction?

Quasi-cash transaction is the purchase of traveler's checks and lottery tickets, bonds, precious metals in credit organizations, as well as transactions in casinos and other gambling establishments, including online.

Why do I pay a fee for quasi-cash transactions, as in the case of cash withdrawal??

Quasi-cash transactions are highly liquid transactions, i.e. the purchase of assets that are easily convertible into cash. The Bank is entitled to equate such transactions with cash withdrawal transactions.

What is the fee for quasi-cash transactions?

The fee for quasi-cash transactions is the same as for the withdrawal of credit funds from Universal or Universal Gold cards.

At what rate will my PrivatBank card in the national currency be debited for the amount in RUB / GEL / USD / EUR of purchases made abroad?

At the sell rate of RUB / GEL / USD / EUR in PrivatBank as of the day of purchase.

At what rate will my PrivatBank card in the national currency be debited for the amount in exotic currency (other than RUB / GEL / USD / EUR) of purchases made abroad?

At the exchange rate of payment systems for the exotic currency/USD pair. The amount in USD will be debited at the sell rate of PrivatBank for USD/UAH pair as of the day of purchase.

At what rate will my PrivatBank card in USD be debited for the amount in exotic currency (other than RUB / GEL / USD / EUR) of purchases made abroad?

At the exchange rate of payment systems for the exotic currency/USD pair. The amount in USD will be debited without conversion.

How to get a loan in 1 day without income certificate?

The fastest way is to increase the credit limit on your Universal Card. To do this, log in to Privat24, select "My accounts" tab, and then the card on which you want to increase the limit. Click the "Card / account management" link and find the "Credit limit" item on the opened page.

Where can I get a credit card without income certificate?

In any branch of the bank you can issue a Universal Card without an income certificate within 15 minutes.

UNIVERSAL CARD