FISHKA's exclusive payment card combines a bank credit card with a revolving credit line and a regular FISHKA card
Fishback Business Credit Card Loan Service is provided under the terms of the Banking Agreement in accordance with the Loan Application Statement and for the term specified 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 and entrepreneurs who carry out independent professional activity in JSC Raiffeisen Bank Aval once and publish it once a month 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 be applied 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 directing the Bank for early repayment of the debt on the loan of funds that are deposited in or on the 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 of 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 contained 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 email@example.com; 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).
|Term of the loan||4 years with the possibility of automatic continuation|
|Opening a Visa Business Fishka Contactless Chip Card||Free|
|Loan currency||Ukrainian hryvnia (UAH)|
|The maximum amount of credit limit||up to 300 000 UAH|
|Interest rate on the loan||36.9% pa|
|The grace period||up to 57 days*|
|Minimum monthly payment||5% of the outstanding debt on the loan**|
|Monthly insurance premium||0.7% of the outstanding debt on the loan (min. 15 hryvnia, if the debt is more than 25 UAH)****|
|Account Servicing Fee (Monthly)||50 UAH***|
|Cash withdrawal commission on the territory of Ukraine||3% + 15 UAH|
|Date of repayment of the minimum monthly payment||until the 20th of each month|
|Credit card repayment||Free|
|Pay attention||To meet the requirements of Art. 671 of the Law of Ukraine "On Banks and Banking" (hereinafter - the Law on Banks) JSC "Raiffeisen Bank Aval" (hereinafter - the Bank) submits to the credit register of the National Bank of Ukraine (hereinafter - the Credit Registry) information on the credit made by them regarding the debtor client transactions referred to in the first paragraph of Article 49 of the Banking Law if the amount of debt (principal and interest) on such credit operations equals or exceeds 100 minimum wages (or the equivalent of that amount in foreign currency).|
The Bank shall submit to the Credit Registry the information in the composition and volume stipulated in Part 3 of Art. Art. 671 of the Law on Banks ”, in accordance with the procedure established by the National Bank of Ukraine.
* The grace period applies to non-cash transactions for the 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 interest calculation date (interest is accrued by the bank not earlier than the 25th of each month) and beyond. up to and including the 20th 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 is 26.07, the nearest date of interest calculation is 25.08, the grace period is from 26.07 to 20.09 (57 days).
** 5 (five)% of outstanding balance. The amount of the minimum monthly payment is due until the end of each month on the date of interest calculation and must be repaid by the 20th of the following month.
*** The fee is charged monthly on the 6th of the month, taking into account transactions performed in the previous calendar month. No fee will be charged if the account is made from ten or more transactions for payment of goods / works / services in the trading network and / or the Internet using a payment card and / or the average monthly debt on the account for the previous month did not exceed UAH 75.00.
**** It is calculated from the amount at the end of the month.
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1Please note that the issuing bank may additionally charge a fee for these types of transfers.