“Dreams” credit card

Let your dreams come true!

Advantages of the loan

  • credit limit — from UAH 1,000 up to UAH 100,000 (from UAH 1,000 up to UAH 500,000 — for the "Premium Credit Card” programme).
  • grace period — up to 55 days for cashless settlements with a payment card for only 0.01 % per year.
  • renewable credit line.
  • monthly minimum mandatory payment — 7 %;
  • premium card with a built-in chip and contactless payment technology;
  • minimum package of documents required for execution of the agreement on the card.
Principal terms and conditions
Loan term

from 1 up to 12 months with automatic prolongation option

Interest rate

39.99 % per year (36 % per year — for the "Premium Credit Card” programme)

Control

online via the Pivdenny MyBank system

How do I apply for a loan?

Specific features of the loan

The offer is extended to clients of Pivdenny Bank within the scope of the "Credit card" programme (including Premium segment clients — within the scope of the "Premium Credit Card” programme).

The Borrower has the right to repay the consumer loan in full or in part at any time, including by increasing the amount of periodic payments, without any additional fee associated with early repayment. In the event of early repayment of a consumer loan, the borrower pays the lender interest on the loan and the cost of all services related to servicing and repayment of the loan for the period of actual use of the loan.

The Client has the right to withdraw from a particular Application Service Provision Agreement (if required by applicable legislation of Ukraine) and terminate this Agreement and close accounts on the basis of a written application (except when early closure/refusal/termination of the agreement is prohibited by law), provided that there are no outstanding debts or valid Application-Agreements/Agreements at the Bank, and all PCs have been returned at the request of the Bank, including those issued to the Client's proxies. This Agreement is considered terminated on the day of account closure and full fulfilment of obligations under this Agreement.

The Borrower has the right within 14 (Fourteen) calendar days from the date of conclusion of the Loan Agreement to withdraw from the Loan Agreement for any reason or no reason on the basis of a written application in the manner prescribed by Art. 15 of the Law of Ukraine on Consumer Lending. The Borrower does not have the right to withdraw from the Loan Agreement if at the time of the Borrower's withdrawal from the Loan Agreement, the purchase of works (services) provided for by the Loan Agreement has already taken place.

Necessary documents:

  • Ukrainian passport;
  • taxpayer ID number.

Additional documents required for certain client categories:

  • employers’ statement of income received (salaries paid) for the past 6 months with a break-down by month – for employees of organisations who have received services from Pivdenny Bank for fewer than 3 months;
  • pensioner’s certificate – for pensioners;
  • current and any previous contracts with the employer for the past 3-12 months depending on the validity term of the current contract, but no more than for the past 12 months – for the "IT specialist, freelancer” category.

How do I repay my loan?

  • Visit a branch

    Select a branch and visit it at your convenience.

  • Pivdenny MyBank

    If you are a Pivdenny MyBank system user, complete the authorisation procedure and order services automatically.

FAQ

Potential risks for the client in using consumer loans

Concluding and servicing a consumer loan agreement in accordance with a certain lending programme requires the borrower to pay for services of the bank and/or third parties. Read more in the Documents section

Risk of late fulfilment of obligations under the consumer loan agreement in case of poor understanding of the terms/documents before concluding the loan agreement and/or mortgage agreement (pledge, surety).

Risk of scams associated with unauthorised use of client identity documents/data.

In case the borrower violates the terms of the loan agreement, the borrower pays a penalty (fine, penalty).

In cases provided for in the loan agreement and/or mortgage agreement (pledge, surety), the bank is entitled: to demand early repayment of loan payments and compensation for damages inflicted on the bank in breach of obligation, to recover mortgaged housing, property rights to it or other immovable/movable property according to Ukrainian legislation, and in case of insufficient funds received from the sale in the mortgage (pledge) of property, to repay the claim under the consumer loan agreement, the client's personal property may be levied to repay the loan, to apply to court in accordance with the procedure specified in the Ukrainian legislation.

The bank is entitled to transfer information on indebtedness to the credit bureau/Credit Register of the National Bank of Ukraine, including negative credit history, which may be taken into account by the bank when making a decision on granting a loan in the future.

Currency risks: Purchase and sale of currency to fulfil obligations under the loan agreement is carried out at the initiative of the bank only upon contractual debiting of funds from the client’s accounts. When buying and selling foreign currency, the Bank applies the current market exchange rate on the date of buying and selling foreign currency, and the bank fee for buying/selling foreign currency for UAH is charged in accordance with the Pivdenny Bank tariffs. Read more

Potential risks for the client in using payment cards

When registering and servicing service packages while opening current accounts using electronic means of payment – payment cards, payment transactions with cards for debiting or crediting funds, there may be fees, both imposed by the issuing bank of the card and other banks, including costs, related to the tariffs of other banking institutions of Ukraine. Read more about Pivdenny Bank Tariffs here

In the case of non-fulfilment by the client of obligations under the Individual Complex Banking Service Agreement and/or its appendices, payments on the card (block) may be suspended and/or declared invalid until these violations are eliminated. Early fulfilment of debt obligations in whole or in part as determined by the bank, including contractual write-off of amounts in repayment of debt at the expense of funds on other accounts of the client may be demanded, and information concerning this debt or negative credit history may be provided to the credit bureau/Credit Register of the National Bank of Ukraine, which may be taken into account by the bank when making a decision on granting a loan in the future, or applying to courts in accordance with Ukrainian legislation. Read more

Risk of scams associated with unauthorised use of the card or client data. Read more

Risks associated with dangerous card payments on the internet. Read more

Risks associated with non-compliance with the rules of ATM use. Read more

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