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 PUMB mobile application.

What is the interest rate for using credit funds on a credit card?

Detailed credit card conditions can be found in Public offer of JSC “FUIB” for contract conclusion of complex bank services for individuals.

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 PUMB 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 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 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 PUMB 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 thePUMB mobile application in the 'Details' tab.

How can I pay off a loan?

You can make a payment by card: in the PUMB mobile application 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 PUMB mobile 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 PUMB mobile 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.

Credit Card VSEMOZHU

Credit card VSEMOZHU (till 25.02.2022)

Up to 62 days

grace period without overpayments for loan repayment

Up to 200 000 UAH

available amount credit limit

No commission

cash withdrawal

1. Можливі наслідки для клієнта в разі користування послугою з надання споживчого кредиту або невиконання ним обов'язків згідно з договором про надання послуги з надання споживчого кредиту:
- 1) клієнт повертає суму кредиту, комісії, відсотки, інші платежі за його користування відповідно до умов договору та вимог законодавства України;
- 2) у разі несвоєчасного виконання зобов’язань (в повному обсязі та/або частково) при користуванні споживчим кредитом передбачено:
  - - неустойку (штраф, пеню) за прострочення сплати по споживчому кредиту;
  - - право банку у визначених договором випадках вимагати дострокового погашення платежів за споживчим кредитом та відшкодування збитків, завданих йому порушенням зобов’язання;
  - - право Банку доручити врегулювання простроченої заборгованості колекторським компаніям, перелік яких визначено у файлі «Співпраця з колекторськими компаніями», розміщеному на сторінці https://about.pumb.ua/info/overdue_debt.
2. Банку забороняється:
- 1) вимагати від клієнта придбання будь-яких товарів чи послуг від банку або спорідненої чи пов'язаної з ним особи як обов'язкову умову надання цих послуг (крім надання пакета банківських послуг);
- 2) вносити зміни до укладених з клієнтами договорів в односторонньому порядку, якщо інше не встановлено договором або законом.
3. Клієнт має право:
- 1) відмовитися від отримання рекламних матеріалів засобами дистанційних каналів комунікації;
- 2) відмовитися від договору про надання споживчого кредиту протягом 14 календарних днів з дня укладення договору відповідно до положень Закону України «Про споживче кредитування».

Apply the card VSEMOZHU Online

3% monthly payment

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

3,99%

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

ATMs of FUIB transferring from card to card

At ATMs of FUIB with cash-in function

At the departments of FUIB ATMs

In Internet-banking PUMB and mobile app

At the payment terminals of FUIB

Easypay, City24* 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.
The commission for making a payment through the self-service terminals of FUIB partners is 0% for all customers until December 31, 2022.

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

The purchase date

The duration of the grace period

a period during which no interest is accrued for the use of credit funds without overpayments

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

Specify the purchase price

For a period, month

Your first monthly payment

1 245 uah

The total cost of the loan

12 575 uah

Total costs of consumer credit

2 575 uah

Real annual interest rate: 47.88%

Important! The amount of the calculation is approximate

Information on the essential characteristics of the Credit card VSEMOZHU with a grace period and a checkout service "Splachuyte chastynamy" .pdf

Protect yourself and your card from scammers

Learn more

We answer your questions

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 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.
The grace period is up to 62 days for purchases and payment of utilities in the PUMB mobile application.
Detailed credit card conditions can be found in Public offer of JSC “FUIB” for contract conclusion of complex bank services for individuals.
The monthly payment must be paid by the 30th day of the month following the month in which the debt is incurred.
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).
The grace period extends to card payments for goods and services, payment for utilities and other services in PUMB 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.
Yes, you can contact the bank at tel .: +38 044 290 7 290 and leave an application to reduce the credit limit.
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.
There is no usage fee for VSEMOZHU card. Detailed credit card conditions can be found in Public offer of JSC “FUIB” for contract conclusion of complex bank services for individuals.
You can find out the total amount of debt in the PUMB Online application.
The amount of the next payment, as well as the schedule and payment history on the card can be seen in thePUMB mobile application in the "Details" tab.
You can make a payment by card:
- in the PUMB mobile application
- 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.
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.
You can pay the debt in the PUMB mobile 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.
If the card is lost, it must be blocked immediately. To do this, you can use the PUMB mobile 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.
You can find out the details of the selection, accrual and subsequent withdrawal of the cash back at the link.

The files for downloading

Public offer of JSC “FUIB” for contract conclusion of complex bank services for individuals

Previous editions can be found at the link.

Guidance for the cardholders

Recommendations for the cardholders

General terms of credit contracts, opening and maintaining accounts

For customers who drew up an agreement before 01.01.2016. Drawing up new agreements on the General Terms and Conditions will not be carried out from 01.01.2016

Exchange rate formation on cards

To owners of Ratio\Emozio card products

Information for military borrowers

Information on the essential characteristics of the service for the provision of the Credit Card VSEMOZHU with a grace period and the service of registration of purchases "Splachuyte chastynamy"

Recommendations for the cardholders

The report for clients of JSC "Bank Renaissance Capital" about the closure of accounts which are not used for transactions more than 6 months

Cooperation with collection companies (ua)

Interaction in settlement of problem debts

Information to inform consumers of financial services

Tariffs for service of individuals (current version)

Previous editions can be found at the link.

Tariffs for service of individuals