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Up-to-date information on loan products activities during martial law

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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
3% monthly payment

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

3,99%

the monthly interest rate after the expiration of the grace period.
The maximum interest rate is 47,88% per annum

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.

Pay monthly credit
card payment conveniently

  • Without commission
  • With commision
  • How to know the amount of monthly payment?
    • PrivatBank, iBOX, Easypay, Globalmoney, City24, Sistema* self-service terminals

    • Other banks of Ukraine

    • * 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 to June 30, 2022.
    • In Internet-banking FUIB Online

    • Using the SMS-banking

    • Using the information card with details

    • Calling 044 290 7 290

    • Using the Viber-bank helping

holidays

Preferential terms of credit card service for the period of martial law

Mandatory monthly payments include only arrears (if any) and accrued interest (if any). Payments are calculated individually and significantly reduced compared to pre-war times.

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

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

We answer Your questions

Preferential terms of credit card service for the period of martial law

What are the preferential terms of credit card service?

Preferential credit card terms are a bank initiative that allows customers to reduce the financial burden of paying off debt for a period of time by reducing the mandatory monthly payment. Preferential terms are the deferral of debt payment, not its forgiveness; this is the right of the creditor bank, not its obligations. However, if customers have sufficient resources to continue to operate and service the loan, they should continue to repay it.

For whom has the mandatory monthly payment on credit cards been reduced?

At the initiative of the bank, they reduced the mandatory monthly payment to all customers automatically, even if there is an overdue debt.

What will my required monthly payment be?

You pay only the accrued interest on the body of the loan and overdue debt (if any). Payments are calculated individually and significantly reduced compared to pre-war times. To reduce the financial burden in the future, we recommend that you do not accumulate debt and make payments in excess of what is currently calculated.

Where can I find out the amount of my credit card payment?

The amount of mandatory payment in the current month can always be seen in FUIB Online, FUIB chatbots in Viber. You will also receive monthly notifications regarding mandatory credit payments.

What will happen after the return of the standard calculation of the mandatory monthly payment? How do I pay off my credit card debt?

After the return of the standard settlement, the monthly mandatory payments will be accrued as before: 3% of the amount owed and accrued interest for the use of credit funds (if any).

For how long is the mandatory monthly payment reduced?

A program to reduce mandatory monthly payments has been developed and is currently in place. If the situation in the country improves and at the initiative of the bank, it may be terminated, with prior notice to customers.

What are the conditions of the grace period for the card?

The credit card grace period operates in standard mode, ie the amount owed at the end of the current billing period must be repaid by the payment date of the next billing period. We remind you that the terms of the grace period do not apply to cash withdrawals and transfer of credit funds to the accounts and cards of any bank.

What are the conditions for accrual of interest?

The amount of debt is charged a standard interest rate, according to the terms of the contract.

Can I use a credit card?

Credit card usage is available within individually calculated credit limits. The use of own funds is not limited in case of compliance with the law. You can view the available limit in the FUIB Online application.

What to do if there is an overdue debt under the contract?

Overdue debt is fully included in the monthly mandatory payment. Penalties do not apply for the period of martial law. To reduce the financial burden in the future, we recommend that you do not accumulate debt and make timely payments.

How does the "Splachuite chastynamy" service work?

Mandatory monthly payment, does not include the minimum level of payments for the "Splachuite chastynamy" service. You pay only the accrued interest on the body of the loan and overdue debt (if any). Payments are calculated individually and significantly reduced compared to pre-war times. To reduce the financial burden in the future, we recommend that you do not accumulate debt and make payments in excess of what is currently calculated.

What will happen to "Splachuite chastynamy" service after returning the standard required payment calculation?

After the return of the standard payment calculation, all current installments remain unchanged. All deferred minimum service charges will be included in the monthly mandatory payment in full on the first settlement date after the return of the standard mandatory payment settlement.

Is it possible to make payments higher than those set by the bank?

Yes, credit card replenishment is not limited. Each replenishment supports Ukraine's financial stability and defense capabilities.

Can a bank charge interest on a loan during the war?

Penalties shall not be applied for the period of martial law in the event of delay in the consumer's performance of obligations under the contract. The legislation does not provide for the suspension of accrual of interest by the bank for the use of credit funds. Preferential terms are a deferral of debt payment, not forgiveness.

Will the mandatory monthly payments be reduced if martial law continues?

The decision to reduce mandatory monthly payments is the right of the lending bank, not its obligations, and will be made based on the financial capabilities of customers and the bank, taking into account the situation in the country.

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.

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.
What is the grace period for FUIB's credit card?

The grace period is up to 62 days for purchases and payment of utilities in the FUIB Online mobile application.

What is the interest rate for using credit funds on a credit card?
What date is it necessary to pay monthly obligatory payment to?

The monthly payment must be paid by the 30th day of the month following the month in which the debt is incurred.

What does a monthly mandatory payment consist of?

The monthly obligatory payment is 3% of the debt amount and accrued commissions and interest for the use of credit funds (if available), as well as the minimum equal payment for the service "Pay in installments" (if available).

How does the grace period work and what transactions does it apply to?

The grace period extends to card payments for goods and services, payment for utilities and other services in the FUIB Online application. The grace period provides for the accrual of interest on arrears at a reduced rate. The condition of the grace period is the full repayment of the entire debt at the end of the month of its occurrence by the 30th day of the month following the month of occurrence of the debt.

Can I ask the bank to increase the credit limit on my card?

The credit limit is increased at the initiative of the bank if the client regularly uses the credit limit and repays the debt on time.

Can I ask the bank to reduce the credit limit on my card?

Yes, you can contact the bank at tel .: +38 044 290 7 290 and leave an application to reduce the credit limit.

What date can I liquidate a debt to, not to pay percents for a credit?

The grace period provides for the accrual of interest on arrears at a reduced rate. The condition of the grace period is the full repayment of the entire debt at the end of the month of its occurrence by the 30th day of the month following the month of occurrence of the debt.

Is there a fee for using the card if I have no debt?

There is no usage fee for the "VSEMOZHU" card. Detailed credit card conditions can be found in Public offer of JSC “FUIB” for contract conclusion of complex bank services for individuals.

How do I know the total amount owed on my card?

You can find out the total amount of debt in the FUIB-Online application.

How do I know the amount and date of my next credit card payment?

The amount of the next payment, as well as the schedule and payment history on the card can be seen in the FUIB Online application in the "Details" tab.

How can I pay off a loan?

You can make a payment by card:

  • in the FUIB Online mobile application
  • transfer from card to card on the FUIB website
  • in FUIB branches
  • in FUIB ATMs by card-to-card transfer or with the function of accepting cash
  • in FUIB payment terminals, as well as Privatbank, iBOX, Easypay, Globalmoney, City24, Sistema.

* For timely repayment of credit debt, funds must be deposited into the account no later than 18:00 of the settlement date.

Fee for payment through FUIB's self-service terminals - 0% for all clients from April 1, 2020 to April 30, 2022.

Is it possible to restructure credit card debt or get a credit holidays?

For detailed information on the possibility of providing "credit holidays" debt restructuring, as well as a list of required documents can be found at the link. 

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

You can pay the debt in the FUIB Online application, or by using card-to-card transfer services on the Internet. You can clarify the detailed information on your credit card in the FUIB Online application or by contacting the Customer Service Center at tel .: +38 044 290 7 290.

What should I do if the card is lost?

If the card is lost, it must be blocked immediately. To do this, you can use the FUIB-online application or call the phone number: +38 044 290 7 290. A new card instead of the lost one can be obtained at the bank branch.

How does credit card cashback work?

You can find out the details of the selection, accrual and subsequent withdrawal of the cash back at the link.

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