• What is the unified credit limit?

The unified credit limit is the amount of credit funds that are available to the customer* for allocation at the customer's choice among credit products: "Credit card VSEMOZHU Online", "Splachujte chastynamy","Hroshi v rozstrochku."

• How can I get the unified credit limit?

To obtain the unified credit limit* in the PUMB mobile application is necessary:

• have an electronic passport in the Дія application (e-passport of a citizen of Ukraine or e-passport of a citizen of Ukraine for traveling abroad) 
• download the PUMB mobile app to your smartphone; the application is available in the App Store (for Apple) and Play Market (for Android) 
• follow the instructions on the screen 
• pass verification/identification using Дія 
• fill out a short questionnaire 
• draw up a credit product 

*only for new Bank customers

• Can I get the unified credit limit if I already have a credit card/cash loan/installment?

Currently, obtaining the unified credit limit is available only to new customers of the Bank

• What products can be allocated the unified credit limit?

The unified credit limit can be used for allocation among credit products: Credit card VSEMOZHU Online, Splachujte chastynamy, and Hroshi v rozstrochku.

• Where can I change the unified credit limit?

You can apply to increase or decrease the unified credit limit in the PUMB mobile application:

• Go to the Loans section.
• Click on the “Settings” button next to the amount of the available limit.
• The system will redirect you to the “Credit limit settings” page.
• You will have 2 options: Change unified limit and Change credit card limit. Choose the one you are interested in.
• Specify the desired limit amount.
• In case of a request to increase the unified credit limit, the bank will ask you to update your personal data, pass identification and fill out a short questionnaire. Fill in all the fields and click “Continue”.
• The application is submitted. Wait for the bank's decision.

• How can I manage/allocate the unified credit limit among products?

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.

• What are the terms of credit products for which the unified credit limit is available?

The terms of each individual credit product are different: 

Credit card VSEMOZHU Online

• 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 up to 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

• How can I find out the amount owed on the unified credit limit?

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. 

• How can I find out the amount, date, and payment for each product/service ordered within the framework of the unified credit limit consists of?

The amount, date, and details of the calculation of the following payment can be seen in the PUMB mobile 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

• Will my credit limit be renewed after repayment of the debt on the drawn-up credit products?

Yes, if you pay off your credit card debt, your limit will be restored to the repayment amount within one day. If you have paid off part of your installment plan, your limit will be restored to the amount of your installment plan payment on the due date of your installment plan payment.

• What is a credit card VSEMOZHU Online?

This is a credit card VSEMOZHU Online with the added benefits of the debit card vseKARTA, which can be issued in the PUMB mobile application without leaving home, as well as at branches of the bank. 

Advantages of using card for own and credit funds:

With credit funds: 

• making transfers, cash withdrawals (while remaining in the grace period of up to 62 days); 
• The monthly interest rate after the grace period is 2.99%; 
• Mandatory minimum payment - 2.99%; 
• Fee for transfers and withdrawals of credit funds - 2.99% per transaction amount; 

• A grace period of up to 62 days applies to all types of transactions. 

With own funds: 

• free transfers of own funds to cards in PUMB mobile application; 
• free withdrawal of own funds from ATMs in Ukraine; 
• cashback up to 20%; 
• free payment of utility bills and phone bills in PUMB mobile application. 

• Who will benefit from the credit card VSEMOZHU Online?

Economically active and responsible customers who seek personal or family financial development and are open to innovation. 

Particularly those who: 

Rely mainly on themselves

Know how to borrow
Use a credit card for purchases, controls the credit limit.
Universal
Use both credit and own funds, likes one card for everything.

• What are the main tariffs in the new credit card VSEMOZHU Online?

• 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 20%, the maximum reward amount is 500 UAH per month

• What channels can I use to open a credit card VSEMOZHU Online?

New customers can open a credit card VSEMOZHU Online through the PUMB mobile app: 

• with a credit limit;
• without a credit limit; 
• additionally vseKARTA (for salary projects). 

Existing customers without a credit card can open credit card VSEMOZHU Online through PUMB mobile app: with a credit limit only (credit card limit is equal to the available Unified Credit Limit). 

The card can also be opened at a FUIB branch. New and existing customers can open a card only with a credit limit.

• Can I open a salary card while applying for a credit card?

Yes, in PUMB mobile app, on the "What will you use" screen, you need to select "salary receiving" and you will get a vseKARTA debit card. 

If this was not specified in the process of registration in PUMB mobile application and only the credit card was opened, vseKARTA can be opened in the PUMB mobile app after registration in the Cards and Accounts section or by contacting a bank branch.

• What is the amount of cashback for a credit card VSEMOZHU Online?

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. 

When withdrawing cashback, taxes, and fees are additionally withheld.

• How to use a virtual credit card?

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

• 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. 
• For cash withdrawal operations, you need to contact one of the FUIB branches to receive a plastic card.
• To transfer funds, pay utility bills, top up your mobile phone, use the PUMB mobile application.

• What is the grace period of a credit card VSEMOZHU Online and how does it work?

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.

• How can I find out the amount owed on the card?

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

•  What date must the monthly mandatory payment be paid by?

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

• What does the monthly mandatory payment consist of?

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).

• How to find out the amount and date of the next credit card payment?

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.

• How to top up credit card VSEMOZHU Online?

By card for own and credit funds number 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, City24

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

• How can I pay my credit card debt if I am abroad?

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

• Can I get a plastic card to my credit account if I have a virtual credit card?

Yes, you can order a plastic card in PUMB mobile app to the nearest branch of Nova Poshta or pick it up at a bank branch.

• What to do if the card is lost?

If the card is lost, it must be blocked immediately. To do this, you can use 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. 

• If I want to issue a transactional installment or money in installments, where will the funds be transferred?

If you have a credit card VSEMOZHU Online + vseKARTA, then: 

The refund on transactional installments will be made to vseKARTA; 

Money in installments will be automatically transferred to vseKARTA. 

If you have only a credit card VSEMOZHU Online:

Transaction installments - "seamless" transfer to the step of opening vseKARTA; 

Money in installments - a screen with a button that takes you to the opening of vseKARTA.

Protect yourself and your card from fraudsters. Learn more

• Can I open a deposit with my credit card?

Yes, a credit card is now available in the list of accounts in the "From where to open a deposit" field. If you have your own funds on credit card, the deposit will be available within the amount of your own funds. If there are debts on the credit card and accrued interest when the deposit is returned, the deposit funds will be used to repay them. You can change the account for deposit return in the settings. If you do not have a debit card, you can open one using the mobile app or at a FUIB branch.

• In what cases is it impossible to open a deposit with a credit card?

You can not open a deposit with a credit card if you have only a credit limit on your account (without your own funds). Or if the amount of the deposit exceeds the amount of available own funds.

• Is it possible to replenish the deposit from a credit card?

If the deposit was opened with a credit card and at the time of replenishment there are available own funds (without the credit limit), you can replenish the deposit that is available for replenishment.

• The "Free" deposit allows partial withdrawals. Can I withdraw funds to a credit card account?

Yes, you can withdraw funds to a credit card account. However, if there are debts and accrued interest on the credit card when the deposit is returned, the deposit funds will be used to repay them. You can change the account for deposit withdrawal in the settings. If you do not have a debit card, you can open one using the mobile app or at a FUIB branch.