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Credit to card

Apply for an online credit to your card in the MyRaif app.

The entire process is remote, and the money is transferred within minutes after approval.

Cash credit to card

A cash credit will help when you need a large amount urgently—for repairs, a big purchase, or other important expenses.

Take a credit to the card Learn more

Credit cards

Credit cards from Raif provide daily financial support. Pay for purchases, book services, or keep a limit "just in case."

Apply for a credit card Learn more

Advantages

For any purpose Use the money for repairs, purchases, or other personal needs—without restrictions.
Fast fund transfer After approval, the money is credited to your card within minutes.
Online application You can receive a loan to your card remotely—without visiting a branch.

How to get an online credit to your card?

Step 1

Download MyRaif

The mobile app is available on iOS and Android

Step 2

Complete the identification process

Using your passport and TIN or through the "Diia" app.

Step 3

Apply for a credit

In the "Credits" section, you can apply for a credit if a credit offer is available to you.

If you are already a Raiffeisen Bank client, it's even easier. Just open the app, and if a credit offer is available, you can get a credit to your card online.

More details about credit to card

Online credit to your card is a convenient solution in situations where funds are needed urgently: for paying bills, everyday expenses, or large purchases. In such cases, there is often not enough time to visit a branch, fill out forms, or gather documents.

Online loans from Raiffeisen Bank allow you to receive money quickly and entirely remotely—through the MyRaif app.

What to choose: cash credit or credit card?

When you are looking for a credit to your card, it is important to understand the difference between cash credit and a credit card. Both products allow you to access funds, but they differ in terms of usage format.

Cash credit to your card is a one-time transfer of the entire amount to your bank card. You receive the funds immediately and repay them according to a fixed schedule. This option is convenient if you need a large sum for repairs, purchasing equipment, or other significant expenses.

A credit card is a flexible tool with a set limit. You only use the amount you need and pay only for the actual usage. In many cases, a grace period is available during which you can avoid paying interest if you repay the funds on time.

For more details on the differences between cash credit and a credit card, refer to the comparative article.

How to repay a credit to your card?

Repaying an online credit at Raiffeisen Bank is available in several ways. Choose the one that is most convenient for you:

  • In the Raiffeisen Online app — from your account or card
  • With any bank card — using your credit account number
  • Through payment services — for example, EasyPay
  • By setting up automatic withdrawal — configure regular payments
  • At a Raif ATM or branch — for cash payments

A complete repayment guide is available at this link or in the app.
Оформити кредит