Yes, you can contact the Bank at the branch, in the "FUIB Online support" chat, leave a request on the Bank's website in the feedback form, or by phone number +38 044 290 7 290 and leave a request to reduce the credit limit. Please note that as a result, the total credit limit for all products will be reduced. A reduction in the credit limit is possible up to 1,000 UAH, but not below the amount of the actual debt (the amount of the selected limit).

You can conveniently allocate the unified credit limit in the PUMB mobile application, in the "Loans" section, within the available amount of the credit limit, to the corresponding credit products.

The terms of each individual credit product are different:

VSEMOZHU Online credit card:  

• interest rate – 2.99% per month
• mandatory minimum payment – 2.99% of the amount owed and fee, interest (if available)
• fee for transfers and withdrawal of credit funds – 2.99% of the transaction amount
• grace period of 62 days – applies to all types of transactions
• real annual interest rate – 42.36% (approximately, it may be different, depending on the transactions carried out)
• cashback up to 20%; the maximum reward amount is 500 UAH per month

 Hroshi v rozstrochku:   

• fee – 2.99% per month
• loan term – from 3 to 24 months
• fee for transfers and withdrawal of credit funds from a debit card – absent
• real annual interest rate – from 0.1% to 81.94%

Splachujte chastynamy:  

• fee – from 0% to 0.8% per month
• credit term – from 2 to 24 months
• real annual interest rate – from 0.00001% to 18.94%
• the customer's own payment – not provided

You can find out the total amount owed in the PUMB mobile application in the "Loans" section, the "Available limit" tile, and the "Used" field.

The amount, date, and details of the calculation of the following payment can be seen in the FUIB Online application in the section of each credit product:

• in the "Credit card details" tab, in the case of using a credit card
• in the "Splachujte chastynamy" tab of the "Loans" section, in the case of purchasing the product in installments
• in the "Hroshi v rozstrochku" tab of the "Loans" section, in the case of transferring the performed operations to installments or drawing up another loan within the framework of this product

In case of debt repayment on the "Credit card" product, the credit limit will be renewed. In the case of full repayment of the "Splachujte chastynamy" and/or "Hroshi v rozstrochku" products, the limit will be restored to the repayment amount. In the case of partial repayment of the "Splachujte chastynamy" and/or "Hroshi v rozstrochku" products, the limit will not be restored at this time.

This is a new credit card that can be issued in the PUMB mobile application without leaving home, as well as at any point of sale of the bank. You will be able to enjoy all the benefits of the credit card, namely: make purchases with credit funds, make transfers and withdrawals, as all transactions have a grace period of up to 62 days, and the fee for withdrawals and transfers of credit funds is only 2.99%, replenish your mobile account and pay for utilities without a fee, and receive cashback of up to 5%.

In the PUMB monmobile application:

1. Download the PUMB mobile application to your smartphone, the application is available in the App Store (for Apple) and Play Market (for Android)
2. Check if there is an offer for a credit card in the mobile application in the "Loans" section
3. If prompted, follow the on-screen instructions
4. Get verified through Дія (if necessary)

In the bank's branches and points of sale, it is necessary:

1. provide a passport of a citizen of Ukraine and a certificate of TIN assignment or a passport of a citizen of Ukraine with a TIN stamp or digital documents in the "Дія" application (E-passport of a citizen of Ukraine or E-passport of a citizen of Ukraine for traveling abroad) or, in some cases, a certificate of income.

A virtual card is a card in your smartphone or smartwatch with NFC technology.

1. To pay for purchases in the trade and service network using Android gadgets, a virtual card must be added to the Google Pay application, for Apple gadgets - to Apple Pay.
2. For cash withdrawal operations, you need to contact one of the FUIB branches to receive a plastic card (add a link or a file with a list of branches)
3. To transfer funds, pay utility bills, top up your mobile phone, use the PUMB mobile application.

By credit card number VSEMOZHU Online can be replenished in:

• In FUIB ATMs by transfer from card to card
• In branches of FUIB
• In internet banking and PUMB mobile application  
• In FUIB payment terminals
• Transfer from card to card on the FUIB website
• In self-service terminals Easypay, Globalmoney, City24, Sistema

When replenishing the card, a fee may be charged by the sending bank when transferring from an account of another bank.

For more information on how to top up your card, please follow the link.

Yes, you can contact the Bank branch and get a physical card.

• Interest rate – 2.99% per month
• Mandatory minimum payment – 2.99% of the amount owed and commission, interest (if any)
• Commission for transfers and withdrawal of credit funds – 2.99% of the transaction amount
• Grace period of 62 days - applies to all types of operations
• Effective annual interest rate - 42.36%
• Cashback up to 5%, the maximum reward amount is 500 UAH per month

In the mobile application in the "Details" section of the credit card.

The cashback amount is up to 20%, which depends on the product/service category. The cashback amount and category may change monthly.  The maximum amount of reward cannot exceed  500 UAH. The reward can be withdrawn by the account holder independently to any chosen hryvnia card. Cashback can be accumulated on the account and withdrawn to the card at any time after reaching the minimum amount of 100 UAH.

If the accumulated amount of the reward is less than 100 UAH, the button for withdrawal of funds in the FUIB Online mobile application will be absent.

Additionally, a tax of 19.5% (personal income tax + military tax) is withheld.

The grace period is valid for up to 62 days for all types of card transactions. A grace period is a period of using credit funds, during which, in case of full repayment of the debt at the end of the settlement period in the period until the payment date of the next settlement period, interest on the amount of the debt is charged at a preferential rate. In case of non-compliance with the specified condition – on the amount owed, from the date of the transaction, the amount of interest is recalculated at the standard interest rate.

The monthly payment must be made by the 28th/29th/30th of the month following the month in which the debt arose.

The monthly mandatory payment is 2.99% of the debt amount and accrued commissions and interest for using credit funds (if available), as well as the minimum equal payment for the "Pay in installments" service. (if available).

The increase of the credit limit is carried out at the initiative of the bank if the client regularly uses the credit limit and repays the debt in a timely manner.

Yes, you can contact the bank at phone number: +38 044 290 7 290 and leave an application for reducing the credit limit.

You can find out the total amount of debt in the PUMB mobile app.

The amount, date and details of the calculation of the next card payment can be seen in the PUMB mobile app in the "Details" tab.

If the card is lost, it must be blocked immediately. To do this, you can use the PUMB mobile app or call the phone number: +38 044 290 7 290. You can get a new card instead of a lost one at a bank branch.

You can pay the debt in the PUMB mobile app, or by using card-to-card transfer services on the Internet. You can clarify detailed information on your credit card in the PUMB mobile app or by contacting the Customer Service Center at phone number: +38 044 290 7 290.