Card

Credit Card Entrepreneur +

An indispensable assistant to finance the daily business expenses of an entrepreneur

Visa payWave

Credit limit - up to 300 000 UAH

60 days free of charge% (for non-cash purchase transactions)

The interest rate is 29.9% per annum

Withdrawal of cash in the network of any banks on the territory of Ukraine and abroad at a single tariff - 2,5% +15 UAH

Product Information

The Credit Card Entrepreneur + Credit Card (Credit Card for Business 2.0 tariff model)* service is provided under the terms of the Banking Agreement in accordance with the Credit 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 servicing of small and microbusiness clients - individuals-entrepreneurs and individuals who carry out independent professional activity in Raiffeisen Bank Aval JSC 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 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 case of arrears of the Credit 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 provided.
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 info@aval.ua; State regulation of the Bank's activity is carried out by the National Bank of Ukraine (01601, Kyiv, Institutskaya St., 9; hotline: 0800 505 240).

Tariffs and conditions of lending

The term of the loan	4 years with the possibility of automatic continuation
Opening a Visa Business Contactless Chip Card	Free
Credit currency	Ukrainian Hryvnia (UAH)
The maximum amount of credit limit	up to 300 000 UAH
Interest rate on the loan	29.9% pa
Grace period	up to 60 days **
Minimum monthly payment	5% of the outstanding debt on the loan ***
Monthly insurance premium	0,5% of the outstanding debt on the loan (min. 10 UAH if the debt is more than 20 UAH) ****
Monthly account maintenance fee	is missing
Cash withdrawal commission on the territory of Ukraine and abroad	2,5% + 15 UAH
Date of repayment of the minimum monthly payment	until the 20th of each month
Credit card repayment	Free
Mobile banking	Free
Pay your attention	Pursuant to the requirements of article 67¹of 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 67¹of 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.

Tariff model Credit card for entrepreneurs 2.0

Useful information

information that may be useful for you

Borrower requirements

Permanent registration on the territory of Ukraine
FOP registration and activity - at least 12 months
Age is from 23 to 64 years

How easy is it to pay off a credit card?

Choose the most convenient way for you:

card of any Ukrainian bank¹on website of the Bank;
automatic monthly payment from another FOP card / current account opened with Raiffeisen Bank Aval;
through self-service centers, ATMs and cash desks of the Bank.
non-cash transfer from a current FOP account opened with another bank.

All services are free of charge.

¹Please note that the issuing bank may additionally charge these types of transfers

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