To remain in the grace period just got easier!

What do cash withdrawals and transfers without overpayments mean?

It's simple; these transactions made during the offer's validity period will be included in the grace period. This means that no interest will be accrued on the used amount of the credit limit during this period, provided that the entire amount owed for the previous billing periods is paid before the payment date.

The period of using the grace period depends on the date of opening the account:

• for those opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 to 30.03.2021;
• for those opened until 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 31.10.2020 to 30.03.2021.

What cards are involved in this offer?

This offer applies to new and existing customers who are holders of the "vseMOZHU" card (those customers who have joined the Public Offer of JSC "PUMB" to conclude an agreement for comprehensive banking services for individuals and their accounts), opened until 02.28.2021 – the preferential interest rate is applied for transactions carried out until 30.03.2021.

I already have a grace period for the card up to 62 days; what is the offer's unique feature?

During the offer, the grace period ADITTIONALLY applies to cash withdrawals and transfers by credit card.

At the same time, it also continues to operate for operations of payment for goods and services by card in stores and on the Internet, payment for utilities, and top-up of mobile phone in PUMB Online.

It turns out that the interest will not accrue on these transactions for the used amount of the credit limit, provided that the entire amount owed for the previous billing periods is paid before the payment date.

The grace period will apply for a limited period of time, namely for accounts opened until 28.02.2021 – used for transactions made before 30.03.2021.

I want to withdraw funds/make a transfer on my card, will there be a grace period for this transaction?

For customers with cards that were opened until 28.02.2021, the grace period will apply for these transactions carried out in the period from 26.10.2020 to 30.03.2021, depending on the date of opening the account:

• for those opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 to 30.03.2021;
• for those opened until 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 31.10.2020 to 30.03.2021.

What happens if I am late repaying the amount withdrawn in cash or transferred to another card or account during the grace period?

If you have not managed to pay off the debt during the grace period, interest will be charged on it from the date of withdrawal or transfer of funds.

What will the interest rate be after the expiration of the grace period?

After the expiration of the grace period, the standard interest rate will apply to the transactions of withdrawing and transferring funds on the card: 47.88% per annum or 3.99% per month.

Will there be a grace period for my cash withdrawals/transfers to another card carried out until 26.10.2020?

No, the grace period will not apply to these transactions. For accounts opened until 28.02.2021, the grace period will use for cash withdrawals/transfers made from 26.10.2020 to 30.03.2021, depending on the date the account was opened:

• for those opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 to 30.03.2021;
• for those opened until 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 31.10.2020 to 30.03.2021.

Please note: the grace period is valid for customers who have joined the Public Offer of JSC "PUMB" to conclude an agreement for comprehensive banking services for individuals.

What does a grace period up to 62 days mean?

A grace period is a period during which no interest is accrued on the used credit limit, provided that the entire amount owed for the previous billing periods is paid before the payment date. The grace period is valid for payment transactions for goods and services by card in stores and on the Internet, payment for utilities, and top-up of the mobile phone in PUMB Online. 

The grace period also applies to cash withdrawals, transactions without the physical usage of a payment card or its details, carried out in the period from 26.10.2020 to 30.03.2021 for customers who joined the Public Offer of JSC "PUMB" to conclude an agreement for comprehensive banking services for individuals and their accounts, depending on the date of opening an account:

• for those opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 to 30.03.2021;
• for those opened until 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 31.10.2020 to 30.03.2021.

I know that before, the grace period was valid only for transactions of payment for goods and services by card in stores and on the Internet, or utility payments and mobile top-ups in PUMB Online. Is it for cash withdrawal transactions as well now?

Yes, the "vseMOZHU" credit card can do everything, and the grace period also applies to cash withdrawals, transactions without the physical usage of a payment card or its details, carried out from 26.10.2020 to 30.03.2021, for customers who have joined the Public Offer of JSC "PUMB" to conclude an agreement for comprehensive banking services for individuals and their accounts, depending on the date of opening an account:

• for those opened from 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 26.10.2020 to 30.03.2021;
• for those opened until 26.10.2020, a preferential interest rate is applied for transactions carried out in the period from 31.10.2020 to 30.03.2021.

I opened the “vseMOZHU” card until 26.10.2020 and have been using it for a long time; will there be a grace period for my cash withdrawals or transfers from an account/card?

Yes, the grace period is also valid for cash withdrawals, transactions without the physical usage of a payment card or its details, for customers who have joined the Public Offer of JSC "PUMB" to conclude an agreement for comprehensive banking services for individuals and their accounts for transactions carried out in the period from 31.10.2020 to 30.03.2021.

A special offer from PUMB on the “Splachujte chastynamy” service

In the period from October 26, 2020, to March 30, 2021, each existing or new holder of the “vseMOZHU”* card can take advantage of the special offer from PUMB, namely:

• the “Splachujte chastynamy” service for 6 months without overpayments for all transactions from 1,000 UAH – this offer can be used when purchasing any goods and services at points of sale and on the Internet. The primary condition is transactions for 1,000 UAH or more with a "vseMOZHU" credit card and confirmation of the bank's offer. Installment is issued for a period of 6 months.

What is the difference between this offer and a permanent one?

• This offer has a long-term interest-free period: 6 months for transactions on the Internet and at points of sale.
• You can connect the service not only in partner stores but also when making any purchases on the Internet and points of sale from  1,000 UAH while having a grace period for paying commission for the entire period – 6 months.
• The period when you can take advantage of the offer is limited – from October 26, 2020, to March 30, 2021.

How can I take advantage of these offers?

If you are already the owner of the "vseMOZHU"* credit card – then when making purchases from 1,000 UAH in partner stores, on the Internet, or other points of sale, you will automatically receive the offer connect an installment plan on special terms. You need to follow the instructions given in the message and confirm the request.

If you do not have the "vseMOZHU" card yet, apply for it using the link https://retail.pumb.ua/en/credit/can-all#form.

If the amount of my purchase is less than 1,000 UAH, will I receive an offer to connect the service?

If you purchase for less than 1,000 UAH, the offer to connect the service will not be received, and standard credit card conditions will apply.

If the purchase is made within the specified period, will the conditions remain valid after its expiration for this transaction?

Yes, for all transactions that meet the requirements of the special offer and were carried out in the period from October 26, 2020, to March 30, 2021 – remain unchanged.

I already have several installments; can I take advantage of this offer?

Yes, you can take advantage of the offer within the valid credit limit on your credit card. In this case, previously issued installments will operate on standard terms without changes. All recent transactions carried out during the specified period for which you have activated the offer will be connected on special terms.

As I understand it, will I be connected to the “Splachujte chastynamy” service with a special offer?

After your confirmation of activation of the “Splachujte chastynamy” service by sending a free SMS-code in response to number 2242 or Viber-bot, the service is automatically connected. At the same time, a corresponding message will be sent to the Viber-bot with the terms and conditions for joining the service.

Credit card is a universal payment instrument, which is the key of access to a bank account and it, is intended to carry out payment transactions exceptionally at the expense and within the funds provided by the bank to a client as a set credit limit.

A credit card from FUIB will allow You to use the bank's money to pay for goods and services as well as for cash withdrawals. You do not have to postpone the purchase or the money on it. You can buy what You want, even if You don’t have a desired amount at hand, and You can return the used funds gradually or totally at any time convenient for You. Moreover, that is not all: the repaid amount will be available for using again every time.

FUIB offers the clients, the chip credit cards of international payment systems Mastercard and Visa, with the help of which You can freely make purchases and pay for services at any place where such cards are accepted, including in the internet and abroad.

To get the information about the amount of the past due debt, amount of accrued fines and penalties You should call 0800 50 25 75 or 044 391 55 60.

To draw up a credit card the following documents are required:

• the passport of the citizen of Ukraine;
• certificate of TIN assignment or a mark in the passport of the citizen of Ukraine about refusal from the assignment of TIN.

For more information about the possibility of "credit holidays ", debt restructuring, and the list of required documents, please apply to a credit manager of FUIB department, which serves Your credit agreement, or call 0800 50 25 75.

The Service "Splachui Chastynamy" – a partition of the purchase amount into equal parts (monthly payments), depending on the chosen term by a client and taking into account the accrued payments by the bank for using the credit funds and commissions for the service "Splachui Chastynamy".

In the PUMB partner stores: 33 квадратних метри, ALL STARS, BODO, Bosch электроинструмент, Camelot, Cifrix, Comfy, Converse, DACK Центр, iOn, iStudio, Fishki, Kenwood-Shop, Kiddy Boom, Kilimanjaro, Largo, MASTER, MOBI STYLE,  MOYO, Nike, Ringoo, Rozetka, SAMSUNG, Sport Life, VeloGo, Vmtehnika, Vodafone, YABLOKi, Z-stores, АЛЛО,  Будмен, ВАШ ПАРТНЕР, Віста, ВодКанГаз, Ворона-Меблі, Вухо, Двери Белоруссии, Дека, Домотехніка, Електродім, Електрон, Елма Сервіс, Ельдорадо, Ельмарт, Епіцентр, Імперія Меблів, Каста, Кібернетики, Комп’ютерний Всесвіт, Крайт, магазин UP, магазин Джакузи, магазин Динамо, магазин Домотроніка, магазин Окна Сервис, магазини ФК Шахтар, МегаЛюкс, Магеллан, МАМАЛЮК, Мобижук, Нова Лінія, Опора, Оптика Зір, Орбіта, Офтальмологічний центр Печерський, Плазма, ПМП Техніка, Помаранчевий РОВЕР, Пульсар, Рем-Мебель, РОНА, Світ Малюка, Сладкий сон, Сота Альянс, салон штор и люстр Анкара, Техномаркет, Технопростір, Технотоп, ТОПАЗ ювелірні вироби, Траверс, ТТТ, Туристическое агентство Happy Travel, Уголек, Уют мебельный салон, Фокстрот, ЦЕНТР КУХНИ, Цитрус, Школяр, as well as in online stores 27.ua, 7sorok, All-ok, BODO, iskraservice, iStudio, Kenwood-Shop, Kilimanjaro, Merezhka, MOYO, PIXEL, Rozetka, Smartmebel,  Velotime.com.ua, Yellow, АЛЛО, БітКом, ВодКанГаз, Ельдорадо, Дека, Каста, Киев Мебель, магазин Домотроніка, магазин ФК Шахтар, МАМАЛЮК, Нота Комфорта, Помаранчевий РОВЕР, Світ Малюка, Смарагд, Технолюкс, Траверс, Уют мебельный салон, Фокстрот, при оплаті покупки понад 500 грн кредитною карткою «ВСЕМОЖУ» або «soloМАНДРИ». You receive the conditions for activating the service: the first 3 months - no commission; monthly commission - 3% of the purchase amount in the following months; term - 24 months.

You can pay for a credit in another country with the help of any bank where there is an account in UAH. Additionally, we inform that to make a payment on the credit, You can do it through the internet by using Internet-banking FUIB Online, Portmone, EasyPay services. To clarify the detailed information on Your credit is recommended to apply to the Customer Service Center: +38 044 290 7290.

You can contact the Customer Service Center by phone 044 290 7290 and ask the operator Your question.

To find out where to pay the debt on card, click on the link.

To learn more about how to use the loan, join us in Viber.

You can see the amount of the next payment, as well as the schedule and payment history on the card at the personal cabinet in Internet-banking.

To learn more about how to use the loan, join us in Viber.

You can find out the amount of debt in Internet-banking at Your personal cabinet.

To learn more about how to use the loan, join us in Viber.

Terms and conditions for receiving bonuses to co-brand credit card with COMFY:

• by shopping in COMFY, the customer receives the standard bonuses for the purchase, plus an additional 2% charged by credit funds spent
• by shopping in any other stores the customer receives 1% of the spent credit

Terms and conditions for spending bonuses with co-brand credit card COMFY:

• bonuses can be paid for up to 100% value of the goods only in the COMFY stores (in comfy.ua online store - only for picking up from the store).

Basic conditions of the bonus program from COMFY you can find on the website www.comfy.ua/welcome.

* The loyalty program applies to customers who have issued a co-branded card till 05.05.18.

If the card is lost, it must be immediately blocked. You can use the system FUIB Online or call the Customer Service Center +38 044 290 7290 and send an SMS-message to the number 4682 with the text "BlokNNNN", where NNNN - the last four digits of Your card number.