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VSEMOZHU Credit card

VSEMOZHU Credit card

Credit card
VSEMOZHU

Up to 62 days
grace period without overpayments to repay
the loan
Up to 200 000 UAH
available amount credit limit
No commission
cash withdrawal in all ATMs of Ukraine and the world
3 months

Splachujte chastynamy* without a monthly commission for purchases in partner stores

3% monthly payment

from the amount of debt and accrued interest for the use of credit funds (if any)

3,99%

from the amount of debt and accrued interest for the use of credit funds (if any)

12 months

loan term with automatic prolongation

The grace period is not valid

to cash withdrawals and transfers of credit funds to the accounts and cards of any banks.

Get the card

Fill in the form and we'll call back in a minute

Get the card

Fill in the form and we'll call back in a minute

Loan funds without overpayments up to 62 days

Return the funds spent this month before the 30th day of the following month and do not pay interest
11
The purchase date
50
The duration of the grace period
a period during which no interest is accrued for the use of credit funds without overpayments
30
The billing date
the day by which you need to repay the entire amount of the bank's debt, then the use of the loan will be without overpayments

Save with cashback from PUMB

Connect cashback in the PUMB Online mobile application
Scan the QR code and download the app:
qr
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Clothes and shoes — 4%
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Cafes, restaurants and
fast food— 5%
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Railway, bus tickets and taxis — 5%
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Beauty and health — 4%
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Pharmacies — 3%
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 Utility payments (via the PUMB Online application) — 5%

Save on purchases

Pay in parts* purchases in partner stores
Order the card
Your monthly payment
Buying from partner stores

uah
uah

*In case you do not confirm the activation of the service, standard credit terms for the purchase with a grace period will be applicable.
Important! The amount of the calculation is approximate.
The total cost of the loan
uah
Total costs of consumer credit
uah
Real annual interest rate: 0%

Important! The amount of the calculation is approximate.

Order the card

Choose favorable conditions from PUMB

PUMB
PrivatBank
Monobank
Alfa-Bank
Loan rate, month
3,99 %
3,40 %
3,10 %
3,33%
Service commission, month
0 UAH
20 UAH
0 UAH
0 UAH
Withdrawing credit funds
no commission
from 7 UAH to 4%
4%
4%, min – 20 UAH
Minimum payment, month
3%
5%, min –100 UAH (in case of delay –10%)
4%, min –100 UAH
5%, min – 50 UAH
Grace period
up to 62 days
up to 55 days
up to 62 days
up to 62 days
Cashback
up to 5%
0%
up to 20%
up to 10%
Data in the table from the official web pages of banks, relevant as of 29.11.2021.

Partners

 

*In case you do not confirm the activation of the service, standard credit terms for the purchase with a grace period will be applicable.

Calculate the total cost of the loan

Provided withdrawal at the ATM and making payments in equal installments within 12 months without taking into account the grace period

Protect yourself and your card from scammers

Learn more

Pay monthly credit
card payment conveniently

  • Without commission
  • With commision
  • How to know the amount of monthly payment?
  • ​ ATMs of PUMB transferring from card to card

    At ATMs of PUMB with cash-in function

    At the departments of PUMB

    In Internet-banking PUMB Online and mobile app

    At the payment terminals of FUIB

    On the PUMB website by transfering from card to card

    PrivatBank, iBOX, Easypay, Globalmoney, City24, Sistema* self-service terminals

    * For the timely repayment of credit debt, funds must be deposited into the account no later than 18:00 of the settlement date.
    Сommission fee for payment through FUIB partner self-service terminals - 0% for all clients from April 1, 2020 to March 31, 2022.
  • Other banks of Ukraine

  • In Internet-banking PUMB Online

    Using the SMS-banking

    Using the information card with details

    Calling 044 290 7 290

    Using the Viber-bank helping

    • ​ ATMs of PUMB transferring from card to card

    • At ATMs of PUMB with cash-in function

    • At the departments of PUMB

    • In Internet-banking PUMB Online and mobile app

    • At the payment terminals of FUIB

    • On the PUMB website by transfering from card to card

    • PrivatBank, iBOX, Easypay, Globalmoney, City24, Sistema* self-service terminals

    • Other banks of Ukraine

    • * Комісія на внесення платежу через термінали самообслуговування партнерів ПУМБ - 0% для всіх клієнтів з 1 квітня по 31 грудня 2020 року.
    • In Internet-banking PUMB Online

    • Using the SMS-banking

    • Using the information card with details

    • Calling 044 290 7 290

    • Using the Viber-bank helping

We answer Your questions

What is a credit card? Why is it necessary?

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.

How can I figure out the amount of the past due debt?

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.

What documents are required to draw up a credit card?

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

 

  • The passport of the citizen of Ukraine;
  • Certificate of TIN assignment or Passport of the citizen of Ukraine with TIN stamp.
Is it possible to restructure the debt on my credit or get “credit holidays”?

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.

What is the service of drawing up a purchase "Splachujte chastynamy"?

The Service "Splachujte 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 "Splachujte chastynamy".

Where can I buy the “Splachujte chastynamy” service and what terms of buying I can get?

In the PUMB partner stores: 33 квадратних метриALL STARSBosch электроинструмент, Camelot, Cifrix, Comfy, Converse, DACK Центр, iOnFishkiKenwood-Shop, Kiddy Boom, KilimanjaroLargo, MASTERMOBI STYLE,  MOYO, Nike, Ringoo, Rozetka, SAMSUNGVeloGoVmtehnika, Vodafone, YABLOKi, Z-stores, АЛЛО,  Будмен, ВАШ ПАРТНЕР, ВістаВодКанГаз, Ворона-Меблі, Вухо, Двери Белоруссии, Дека, Домотехніка, Електродім, Електрон, Елма Сервіс, Ельдорадо, Епіцентр, Імперія Меблів, Кібернетики, Комп’ютерний Всесвіт, Крайт, 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, РОНАСладкий сон, Сота Альянс, салон штор и люстр Анкара, Техномаркет, Технопростір, Технотоп, ТОПАЗ ювелірні вироби, ТТТ, Туристическое агентство Happy Travel, Уют мебельный салонФокстрот, ЦЕНТР КУХНИ, Цитрус, Школяр, as well as in online stores 27.ua, 7sorok, All-ok, iskraservice, Kenwood-Shop, Kilimanjaro, Merezhka, MOYO, PIXEL, Rozetka, Smartmebel,  Velotime.com.ua, Yellow, АЛЛО, БітКом, ВодКанГазЕльдорадо, Дека, Киев Мебель, магазин Домотроніка, магазин ФК Шахтар, МАМАЛЮК, Нота Комфорта, Помаранчевий РОВЕР, Смарагд, ТехнолюксУют мебельный салонФокстрот, when paying for a purchase over UAH 500 by credit card​ «ВСЕМОЖУ» or «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.

How can I pay the debt on the credit if I am abroad?

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.

Where else can I learn more about the credit card?

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

Where can I make my card payment?

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.

How can I know the amount and date of the next payment on my credit or card?

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.

How can I find out the total amount of debt on my credit?

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.

What conditions for receiving/spending bonuses with loyalty program to co-brand credit card COMFY? *

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.

What should I do if the card is lost?

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.

Can I withdraw cashback immediately after accumulating the minimum withdrawal amount? To which account/card can I withdraw the accumulated cashback?

The account holder can withdraw the reward on his own to any selected hryvnia card. Cashback can be accumulated on the account and withdrawn to the card at any time when the minimum amount is reached – 100 UAH.

If the accumulated reward amount is less than 100 UAH, then there is no button for withdrawing funds in the PUMB Online mobile application.

An additional 19.5% tax is withheld (PIT + military tax). 

Is it possible to withdraw the reward to my card/account of another Bank or card/account of relatives, friends, etc.?

The reward can be withdrawn only to one of the PUMB cards of the account holder, which was not opened by an individual for entrepreneurial activity. The participant of the Promo cannot transfer his right to receive the reward to any other person. 

If I have several PUMB cards, will I receive a reward for transactions on each of them?

The maximum amount of reward that one Promo participant can receive, regardless of the number of cards, is 500 UAH. Cashback is not credited to cards opened by individuals for entrepreneurial activity.

An additional 19.5% tax is withheld (PIT + military tax). 

An additional profit from cashback can lead to the loss of benefits and subsidies. 

Can I change the selected category to receive the cashback within one month?

You can select a new category in each subsequent calendar month, while there is no option to change the category during the current month after it has been selected. 

Do I get cashback on an additional proxy card?

The reward for transactions is credited to the account holder for all additional customer cards, regardless of the name of the supplementary card issued to the account. The category for cashback is chosen by the account owner. The selected category is valid for all main and additional cards of the owner of this account.

The maximum amount of reward for all customer cards does not exceed 500 UAH.

An additional 19.5% tax is withheld (PIT + military tax). 

Will the cashback be credited if I have returned the purchased item or there has been a failure to pay?

The Promo does not include transactions for which there has been a full or partial refund to the card account of the Promo participant. 

Why haven't I got a cashback for a purchase?

Purchase categories are determined automatically by MCC codes – this is the seller's category code provided to the points of sale by its acquiring bank. 

The seller's MCC code may not correspond to the merchant's type of activity, and therefore cashback is not credited for such a purchase. In this context, PUMB does not affect the MCC coding and cannot change it.

What is the term of the Promo?

The promotion is held from 22.10.2021 to 30.09.2022 inclusive.

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