“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)

real annual interest rate 51.28 – 79.08 % per year

online via the Pivdenny MyBank system

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).

Necessary documents:

  • Ukrainian passport;
  • taxpayer ID number.

Additional documents required for certain client categories:

  • employers’ statement of income received (salaries paid) for the past 3-6 months with a break-down by month – for employees of organisations in case of absence of salary credits to the current account in Pivdenny Bank;
  • 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.

Information on obtaining a consumer loan

Essential characteristics of the service for providing a consumer loan, information on the availability, list and cost of additional and/or related services of a financial institution, credit intermediaries and third parties, including the amount of payment and the basis for its calculation, taking into account the requirements of the legislation of Ukraine, see the calculator in the Documents section.

The Bank's web page, where the terms of the agreement are posted (including its public part, offers) and other standard agreements on the provision of consumer loans, internal rules for the provision of financial services by the Bank, is located here.

The page of the official Internet representation of the National Bank, on which the State Register of Financial Institutions is located, can be found here.

We recommend that the consumer immediately inform the Bank about unauthorized access or changes to the consumer’s information in the Bank’s remote service system.

The order and procedure for protecting personal data of consumers is located here.

The consumer has the right, after termination of the agreement for the provision of a consumer loan, including expiration, termination or execution of such an agreement, to contact the Bank with a request for information (certificate) regarding the fulfillment by the parties of their obligations established by the agreement, including information (certificate) about the absence debt and fulfillment of the consumer’s obligations under the agreement in full, which the Bank provides in the form of a paper or electronic document (at the consumer’s choice) within five business days from the date the financial institution receives such a request.

Information on the procedure for the Bank's consideration of consumer requests (complaints) regarding the consumer loan service is located here.

The possibility and conditions for early termination of the agreement on the provision of a consumer loan, as well as the method of such termination of the agreement, terms and conditions for the return of funds:

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.

Potential risks for the client in using consumer loans. Warning

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. Failure to comply with the obligation to repay a consumer loan can affect your credit history and complicate obtaining a consumer 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

The Bank is prohibited from requiring the consumer to purchase any goods or services from the Bank or a related or associated person as a prerequisite for providing a consumer loan.

To make an informed decision about obtaining a consumer loan on the proposed terms, the consumer has the right to consider alternative types of consumer loans and financial institutions.

The Bank has the right to make changes to consumer loan agreements concluded with consumers only with the consent of the parties.

You may refuse to receive promotional materials by calling the Customer Support Centre (free of charge in Ukraine) at 0 800 30 70 30 or through remote electronic service channels.

Possible expenses for payments by the consumer for using a consumer loan depend on the payment method chosen by the consumer.

The consumer's initiation of an extension (longation, prolongation) of the repayment period of a consumer loan (deadline for fulfilling a monetary obligation) / loan term / validity period of a consumer loan agreement is carried out without changes.

Potential risks for the client in case of failure to fulfill obligations under the Loan Agreement regarding consumer lending

The amount of a penalty charged by the Bank may not exceed half of the amount received by the Borrower under the Loan Agreement, and may not be increased by agreement of the parties, subject to the requirements of Part 3 of Article 21 of the Law of Ukraine “On Consumer Lending”, namely:

  • in case of delay in loan payments, the Borrower shall pay a fine in the amount of 100 (one hundred) hryvnias and 00 kopecks for each case of delay in monthly mandatory minimum payment;
  • an increased rate of 60% (sixty percent) per annum is charged on the overdue amount under the credit line;
  • the Borrower shall pay a fine in the amount of 5% (five percent) of the loan amount (maximum limit of the credit line) specified in the Loan Agreement for each case of such violation, namely:
  • within three days to inform the Bank about changes in his/her place of employment and/or residence, passport data, the client’s financial telephone number, opened accounts and obtained loans with other banks, as well as about the initiation of a criminal case against the Borrower or about civil disputes involving the Borrower;
  • upon the Bank’s first request, to provide the Bank with information that characterizes the Borrower’s financial position (certificates from the place of work about received income, if any – income declaration), as well as: statements of current accounts opened with other banks, certificates about availability of loans with other banks to assess the Borrower’s financial position.

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.


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

The bank is not allowed to require customers to purchase any goods or services from the bank or its affiliates or partners as a mandatory condition for the provision of these services (except for the banking package).

The bank has no right to unilaterally make changes to agreements concluded with customers, unless otherwise provided by the agreement or the law.

You may refuse to receive promotional materials by calling the Customer Support Centre (free of charge in Ukraine) at 0 800 30 70 30.

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