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 The amount of cash that can be withdrawn from PrivatBank(Ukraine) ATMs is limited – no more than UAH 20,000 in 3 hours.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: - cardholder (with or without a card) – 0.2%
- third party – 0.5%, at least UAH 5;
Digital cards: - card holder – UAH 0.
- third party – 0.5%, at least UAH
To PrivatBank cards via self-service terminals – 0.2% of the payment amount, min. UAH 2 To cards of other banks via self-service terminals – 0.5% of the payment amount, min. UAH 5 (without the card) |
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 |