Question 1

Am I eligible for a loan from Pivdenny Bank if I have current loans in other banks?

Accepted Answer

Yes, if the borrower’s income supported by documents is sufficient to serve the payables on the loans and cover basic expenses.

Question 2

How can I check on the status of my loan application?

Accepted Answer

Information about the status of your application can be obtained from the manager corporate business.

Question 3

How do I find out the balance of payables on a loan?

Accepted Answer

This and other information on account status is conveniently available online in the remote system for individual clients of Pivdenny MyBank. In addition, you can obtain information on the estimated loan instalment personally at the branch or by calling the Contact centre at: (0482) 30 70 30 or 0 800 30 70 30 or via Skype.

Question 4

How do I find out what late payment charges I will have to pay if I fail to repay my loan on time?

Accepted Answer

Information on the estimated late payment penalty on a loan may be obtained personally at the branch, while the terms and conditions of accrual and the amount of the penalty stipulated by the credit programme are specified in the respective consumer loan passport and in your loan agreement.

Question 5

Where can I get information about the detailed terms and conditions of the loan agreement and the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents” section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 6

What is the procedure for assessing the credit limit?

Accepted Answer

The amount of the credit limit depends on the amount of the client’s income and comprises:

up to UAH 100,000 – for the "Credit card” programme;
up to UAH 200,000 – for the "Credit card – Premium" programme.

Question 7

What is the maximum duration of the credit limit validity?

Accepted Answer

Standard duration of the credit limit validity is up to 12 months. The agreement allows its automatic prolongation but for a period no longer than the duration of the term of validity of the client’s card.

Question 8

What is a grace period?

Accepted Answer

The grace credit period makes it possible to use the credit line virtually free of charge (0.01% per year) during a certain period after making a purchase/payment for services. The duration of the grace credit period is up to 55 days provided that you fully repay your debt on the credit card by the 25th day of the month following the month in which you used the credit funds.

Question 9

What transactions does the grace period apply to?

Accepted Answer

The grace period applies to payment transactions for goods and services using the credit card, including via the internet (excluding settlements via the Pivdenny MyBank system, card-to-card transfers, etc. (see next question)).

Question 10

Are there any transactions to which the grace period does not apply?

Accepted Answer

The grace period terms and conditions do not apply to cash withdrawal transactions using the credit card, including transactions identified by payment systems as those that are directly convertible into cash (replenishment of internet wallets, money transfers, card-to-card transfers, settlements via Pivdenny MyBank system, etc.), as well as to transfers of funds from the credit card account to the account of any third person or to the holders’ current account.

Question 11

Can I make use of the grace period during the next month if I repaid only a portion of my debt on the card?

Accepted Answer

Question 12

When does the Bank begin to accrue interest on the credit funds?

Accepted Answer

The interest will start to accrue from the day of performance of a cash/cashless settlement using the credit card through the day of full repayment of the debt.

Question 13

Can I use Pivdenny Bank credit cards abroad?

Accepted Answer

Pivdenny Bank credit cards are accepted for payment for goods and services both in Ukraine and abroad. A credit card eliminates foreign exchange transactions problems; it is more secure and handy for travellers. In addition, you can use the credit card to withdraw cash from any ATM worldwide.

Question 14

Do the terms of the grace credit period apply to purchases made abroad or via the Internet?

Accepted Answer

Question 15

Are the terms of the grace credit period applicable to purchases made using additional cards?

Accepted Answer

Yes. The payables on the additional card are added to the total amount payable under the main card. The grace credit period will be in effect subject to full payment of the total amount of debt by the 25th day of the month following the month during which you used the credit funds.

Question 16

What is the monthly minimum mandatory payment?

Accepted Answer

In the case of a significant outstanding balance, payment must be made by the 25th day of the month following the month during which you used the credit limit.

The amount of this fee is determined as a percentage of the outstanding balance. The outstanding balance is equal to the amount of the used credit limit existing on the first working day of the month.

See details in the "Documents” section.

Question 17

Where can I get information about the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review complete information on the status of your accounts online using Pivdenny MyBank system of remote services to individual clients of the bank.

You can get information on the amount of the next instalment on the loan:

personally, at any bank branch;
from the Contact centre of the bank at: (0482) 30 70 30 or 0 800 30 70 30 or via Skype.

Question 18

What is the difference between the credit card and other payment cards?

Accepted Answer

You do not have to contribute your own funds to the bank in advance. You can use the bank’s funds and repay the debt at a time and in a manner that is convenient for you. The expenditures of funds from such account are also more convenient to monitor, whereas the credit limit is established on a separate (not salary) Gold or Platinum card.

Question 19

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via the Pivdenny MyBank system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 20

How can I extend the term of repayment of the credit limit for my credit card?

Accepted Answer

fill out an online application;
complete the remote application after visiting a bank branch or calling the Contact centre of the bank at: (0482) 30 70 30 or 0 800 30 70 30;
Visit any branch of Pivdenny Bank.

Question 21

How do I apply for a loan?

Accepted Answer

— fill out an online application;

— complete the application after visiting a bank branch or calling the Contact centre of the bank at: (0482) 30 70 30 or 0 800 30 70 30;

— visit any branch of the bank with the following documents:

Ukrainian passport;
taxpayer ID number;
marriage/divorce certificate (if any).

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.

Details of the terms and conditions of the agreement are set forth in the “Documents” section.

Question 22

How do I apply for a loan?

Accepted Answer

- fill out an online application;

- visit any Pivdenny Bank branch and provide the following documents:

Ukrainian passport (passport of the borrower and husband/wife);
taxpayer ID number (ID number of the borrower and husband/wife);
marriage/divorce certificate (if any).

Additional documents necessary for certain client categories:

pension certificate – for "pension" category;
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 "IT-specialist, freelancer" category;
certificate/passport of the sailor and/or sailor's seagoing service record book – for "sailor" category.

The details of the terms and conditions of the loan agreement are set forth in the “Documents” section.

Question 23

Where can I get information about the detailed terms and conditions of the loan agreement and the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents” section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 24

How is my borrowing power evaluated?

Accepted Answer

The loan amount (from UAH 1,000 up to UAH 500,000) is assessed based on the client’s category and his/her income.

Question 25

Where can I get information about the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review complete information on the status of your accounts online using Pivdenny MyBank system of remote services to individual clients of the bank.

You can obtain information on the amount of the next instalment on the loan:

- personally, at any bank branch;

- from the Contact centre of the bank by calling: (0482) 30 70 30 or 0 800 30 70 30;

- via Skype from the bank’s page.

Question 26

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via the Pivdenny MyBank system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 27

When do I have to repay the loan?

Accepted Answer

The loan must be repaid in accordance with the agreed instalments payment schedule. At any rate, each instalment must be repaid by the last business day of the month.

Question 28

How do I apply for a loan?

Accepted Answer

- fill out an online application;

- visit any bank branch and provide the following documents:

Ukrainian passport (passport of the borrower and husband/wife);
taxpayer ID number (ID number of the borrower and husband/wife);
marriage/divorce certificate (if any);
documents proving receipt of income (by the borrower and husband/wife);
collateral documents.

For a more detailed list of documents, see section "Documents".

Question 29

Where can I get information about the detailed terms and conditions of the loan agreement and the size of the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents" section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 30

What is the procedure for assessing the loan amount?

Accepted Answer

The amount of the loan is determined based on the market value of the car and the amount of the borrower’s income and may not exceed 80 % of the car’s market value. The borrower’s personal income should make it possible to repay the loan and afford basic expenses.

Question 31

Where can I get information about the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review complete information on the status of your accounts online using Pivdenny MyBank system of remote services to individual clients of the bank.

You can get information on the amount of the next instalment on the loan:

personally, at any bank branch;
from the Contact centre of the bank by calling: (0482) 30 70 30 or 0 800 30 70 30;
via Skype from the bank’s page.

Question 32

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via the Pivdenny MyBank system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 33

When do I have to repay the loan?

Accepted Answer

The loan must be repaid in accordance with the agreed repayment schedule. At any rate, each instalment must be repaid by the last business day of the month.

Question 34

How do I apply for a loan?

Accepted Answer

- fill out an online application;

- visit any bank branch and provide the following documents:

Ukrainian passport (passport of the borrower/ spouse/ family member);
taxpayer ID number (ID number of the borrower/ spouse/ family member);
marriage/divorce certificate (if any);
documents proving receipt of income (by the borrower/ spouse/ family member);
collateral documents.

For a more detailed list of documents, see section "Documents".

Question 35

Where can I get information about the detailed terms and conditions of the loan agreement and the size of the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents" section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 36

What is the procedure for assessing the loan amount?

Accepted Answer

The loan amount is assessed based on the market (estimated) value of the mortgaged property acquired by the borrower and his/her income, which should make it possible to repay the loan while affording basic expenses and must not exceed 80 % of the market value of the mortgaged property according to the Consumer Credit Passport.

Question 37

Where can I get information about the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review complete information on the status of your accounts online using Pivdenny MyBank system of remote services to individual clients of the bank.

You can get information on the amount of the next instalment on the loan:

- personally, at any bank branch;

- from your manager.

Question 38

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via the Pivdenny MyBank system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 39

When do I have to repay the loan?

Accepted Answer

The loan must be repaid in accordance with the agreed instalments payment schedule. At any rate, each instalment must be repaid by the last business day of the month.

Question 40

How do I apply for a loan?

Accepted Answer

- fill out an online application;

- visit any bank branch and provide the following documents:

Ukrainian passport (passport of the borrower and spouse);
taxpayer ID number (ID number of the borrower and spouse);
marriage/divorce certificate (if any);
application/agreement on a bank deposit in any currency made with Pivdenny Bank (the agreement should be current at the moment of execution of the application for the loan);
documents proving receipt of income (by the borrower and spouse);

Details of the terms and conditions of the loan agreement are set forth in the “Documents” section.

Question 41

Where can I get information about the detailed terms and conditions of the loan agreement and the size of the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents" section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 42

What is the procedure for assessing the loan amount?

Accepted Answer

The loan amount is determined on the basis of the UAH equivalent of the current deposit applying the foreign exchange rate of the NBU ruling on the day of filing by the client of respective application and may not exceed 90 % of the deposit amount.

Question 43

Where can I get information about the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review complete information on the status of your accounts online using the Pivdenny MyBank system of remote services for individual bank clients.

You can get information on the amount of the next instalment on the loan:

– personally, at any bank branch;

– via the Contact centre of the bank at (0482) 30 70 30 or 0 800 30 70 30;

– via Skype from the bank’s page.

Question 44

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via the Pivdenny MyBank system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 45

When do I have to repay the loan?

Accepted Answer

The loan must be repaid in accordance with the agreed instalment payment schedule. At any rate, each instalment must be repaid by the last business day of the month.

Question 46

How do I apply for a loan?

Accepted Answer

- fill out an online application;

- visit any bank branch and provide the following documents:

Ukrainian passport (passport of the borrower and husband/wife/guarantor);
taxpayer ID number (ID number of the borrower and husband/wife/guarantor);
marriage/divorce certificate (if any);
certificate/passport of the sailor and/or sailor's seagoing service record book.

Additional documents required for new clients of Pivdenny Bank:

statement of income under contract from an account in a Ukrainian bank during the past 12 months;
for guarantors (if available) — a document proving receipt of income.

Details of the terms and conditions of the loan agreement are set forth in the “Documents” section.

Question 47

How do I find out the detailed terms and conditions of the loan agreement and the size of the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents" section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 48

What is the procedure for assessing the loan amount?

Accepted Answer

The loan amount is assessed based on the client’s category and his/her income. The maximum amount of the loan is UAH 500,000.

Question 49

How do I find out the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review complete information on the status of your accounts online using the Pivdenny MyBank system of remote services for individual bank clients.

You can get information on the amount of the next instalment on the loan:

- personally, at any bank branch;

- via the Contact centre of the bank at (0482) 30 70 30 or 0 800 30 70 30;

- via Skype from the bank’s page.

Question 50

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via Pivdenny MyBank, a system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 51

When do I have to repay the loan?

Accepted Answer

The loan must be repaid in accordance with the agreed instalment payment schedule. At any rate, each instalment must be repaid by the last business day of the month.

Question 52

How do I apply for a loan?

Accepted Answer

- fill out an online application;

- visit any bank branch and provide the following documents:

Ukrainian passport (passport of the borrower/ husband/wife/ family member);
taxpayer ID number (ID number of the borrower/ husband/wife/ family member);
marriage/divorce certificate (if any);
documents proving receipt of income (by the borrower/ husband/wife/ family member);
collateral documents.

Details of the terms and conditions of the loan agreement are set forth in the “Documents” section.

Question 53

Where can I get information about the detailed terms and conditions of the loan agreement and the size of the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents" section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 54

What is the procedure for assessing the loan amount?

Accepted Answer

The maximum loan amount is up to 50 % of the collateral value. The loan amount is assessed based on the market (estimated) value of the mortgaged property and the amount of personal income of the borrower. The amount of personal income should make it possible to repay the loan while being able to afford basic expenses.

Question 55

Where can I get information about the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review complete information on the status of your accounts online using the Pivdenny MyBank system of remote services for individual bank clients.

You can obtain information on the amount of the next instalment on the loan:

personally, at any bank branch;
Via the Contact centre of the bank at (0482) 30 70 30 or 0 800 30 70 30;
via Skype from the bank’s webpage.

Question 56

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via the Pivdenny MyBank system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 57

When do I have to repay the loan?

Accepted Answer

The loan must be repaid in accordance with the agreed instalment payment schedule. At any rate, each instalment must be repaid by the last business day of the month.

Question 58

How do I apply for a loan?

Accepted Answer

- fill out an online application;

- visit any bank branch and provide the following documents:

Ukrainian passport (passport of the borrower/ husband/wife/ family member);
taxpayer ID number (ID number of the borrower/ husband/wife/ family member);
marriage/divorce certificate (if any);
documents proving receipt of income (by the borrower/ husband/wife/ family member);
collateral documents.

For a more detailed list of documents, see section "Documents".

Question 59

Where can I get information about the detailed terms and conditions of the loan agreement and the real interest rate?

Accepted Answer

Under Law of Ukraine No. 1734-VIII "On consumer lending" dated 15.11.2016, all information on the product (passport to consumer loans) is available in the "Documents" section. The above document outlines real interest rates and other mandatory terms and conditions.

Question 60

How is my borrowing power evaluated?

Accepted Answer

The loan amount is assessed based on the market (estimated) value of the mortgaged property acquired by the borrower and his/her income, which should be enough to repay the loan while being able to afford basic expenses and must not exceed 50 % of the market value of the mortgaged property.

Question 61

Where can I get information about the amount of the next instalment or balance of the loan?

Accepted Answer

We provide an opportunity to review all information on the status of your accounts online using the Pivdenny MyBank system of remote services for individual clients of the bank.

You can get information on the amount of the next instalment on the loan:

personally, at any bank branch;
via the Contact centre of the bank at (0482) 30 70 30 or 0 800 30 70 30;
via Skype from the bank’s page.

Question 62

How do I repay the loan?

Accepted Answer

You can make payments by any means at your convenience:

via Pivdenny MyBank, a system of remote services for individual clients;
by money transfer;
by card-to-account transfer;
personally, at any bank branch.

The priority is to pay instalments in a timely fashion.

Question 63

When do I have to repay the loan?

Accepted Answer

The loan must be repaid in accordance with the agreed instalment payment schedule. At any rate, each instalment must be repaid by the last business day of the month.

Question 64

Can I open several deposits in my own name?

Accepted Answer

There is no limit to the number of deposits you can have with us.

FAQs

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