With a credit card, you can make purchases at retail and service outlets in Ukraine and abroad (including online), settle debt with your partners via Raiffeisen Bank Aval website or the network of our self-service centers, withdraw cash at ATMs of our bank and other banks in Ukraine and abroad, pay taxes and your business (including travel) expenses in Ukraine and abroad.
Credit limit - up to 250 000 UAH
The interest rate is 29.9% per annum
The grace period is up to 47 days
Payment at points of sale and online is free of charge
Credit card service “Credit Card for Entrepreneurs” is provided under the terms of the Banking Agreement in accordance with the Loan Application Statement and for the term stipulated in the Credit Terms.During the term of the Banking Service Agreement, the Client has the right to initiate the termination of the Banking Service Agreement by giving written notice to the Bank. Termination of the Banking Agreement on the Client's initiative is possible only in the absence of any debt of the Client to the Bank under the Credit.
Changes and additions to the Banking Agreement are made by the Bank by presenting the “Rules of banking customer service for small and micro-businesses - individuals-entrepreneurs and individuals conducting independent professional activity in JSC“ Raiffeisen Bank Aval ”once a month and its publication on the first day of each calendar month on the Bank's website and in the Bank's outlets (if the first number falls on a weekend, public holiday or other non-business day, publication shall be made on the first business day) the next one). Such periodicity of amendments to the Rules shall not apply in cases where amendments are made necessary to bring the terms of the Agreement in compliance with the requirements of the legislation of Ukraine (in such cases, the amended Rules shall be published on the Bank's website and enter into force on the date specified therein). The Client is obliged to read the new (amended) Rules on the first day of each month.
Changes and additions to the Loan Application are made by concluding additional agreements / statements between the Bank and the Client, unless otherwise stated in the Application.
The Client is entitled to early fulfillment of the obligations under the Credit. Early repayment of the Loan is effected by sending the Bank for early repayment of the debt on the loan of funds that are deposited in or in this account in an amount greater than the amount of the monthly payment in the case of a debt on the Loan and in the absence of arrears on payment of other payments on the Loan. The Client's waiver of the obligations under the Credit unilaterally is not envisaged.
The amount of costs to be paid by the Client and / or the procedure for their determination, including taxes, is set out in the Tariffs. The service is provided by JSC Raiffeisen Bank Aval, NBU license №10 dated June 18, 2018; EDRPOU code 14305909; was included in the State Register of Banks on 27.03.1992. under No. 94; location: 01011, Kyiv, str. Leskov, 9; phone numbers: 044 490 88 88; 0 (800) 505-045; e-mail address firstname.lastname@example.org; State regulation of the Bank's activities is carried out by the National Bank of Ukraine (01601, Kyiv, Institutskaya St., 9; hotline: 0800 505 240).
|The term of the loan||2 years with the possibility of continuation|
|Deposit currency||Ukrainian hryvnia (UAH)|
|Minimum monthly payment||15% of the amount of debt|
|Maximum credit limit size||up to 250 000 UAH|
|Interest rate for use||29.9% per annum|
|Grace period||47 days|
|Monthly insurance premium||0,5% of the outstanding debt on the loan (min. 10 UAH if the debt is more than 20 UAH) ***|
|Fee for cash withdrawal on the territory of Ukraine||3,5 % (minimum amount - 5 UAH)|
|Date of repayment of the minimum monthly payment||until the 10th of each month|
|Credit card repayment||Free|
|Pay your attention||Pursuant to the requirements of article 671 of the Law of Ukraine On Banks and Banking (hereinafter – Law on Banks), Raiffeisen Bank Aval JSC (hereinafter – Bank) shall submit to the credit register of the National Bank of Ukraine (hereinafter – Credit Register) the information on its credit operations involving the client-debtor, as indicated in part one of article 49 of the Law on Banks, if the amount of debt (principal debt and interests) under such credit operations is equal or exceeds 100 minimum salaries (or a foreign currency equivalent of this amount).|
The Bank shall submit to the Credit Register the information, the content and scope of which is stipulated by part 3 of article 671 of the Law on Banks, according to the procedure determined by the National Bank of Ukraine
* - The grace period applies to non-cash transactions for payment of goods / works / services in the trading network and / or the Internet using a payment card and is valid from the date of the transaction until the nearest date of interest calculation (interest is accrued by the bank not earlier than the 25th of each month), and up to and including the 10th of the following month (subject to repayment of the limit amount used during the specified period). (Example: the date of non-cash payment of goods - 26.07, the nearest date of interest calculation - 25.08, the grace period - from 26.07 to 10.09 (47 days).
** - 15 (fifteen)% of the outstanding debt on the loan. The amount of the minimum monthly payment is issued until maturity each month on the date of interest calculation and must be repaid by the 10th of the following month.
*** - calculated at the end of the month.