An indispensable assistant to finance the daily business expenses of an entrepreneur
Credit limit - up to 300 000 UAH
60 days free of charge% (for non-cash purchase transactions)
Interest rate – from 29.9% to 31.9% per annum
Payments in web version / mobile application of Raiffeisen Business Online with your own or credit funds - Free of charge
The Credit Card Entrepreneur + Credit Card (Credit Card for Business 2.0 tariff model)* service is provided under the terms of the Banking Service Agreement in accordance with the loan Application and for the term stipulated in the Terms of the loan.
During the term of the Banking Service Agreement, the Client has the right to initiate the termination of the Banking Service Agreement by giving written notice to the Bank. Termination of the Banking Service Agreement on the Client's initiative is possible only in the absence of any debt of the Client to the Bank under the loan.
Changes and additions to the Banking Agreement are made by the Bank by presenting the “Rules of banking servicing of small and microbusiness clients - individuals-entrepreneurs and individuals who carry out independent professional activity in Raiffeisen Bank JSC once and publish it once a month on the first day of each calendar month on the Bank's website and in the Bank's outlets (if the first number falls on a weekend, public holiday or other non-business day, publication shall be made on the first business day) the next one). Such periodicity of amendments to the Rules shall not be applied in cases where amendments are made necessary to bring the terms of the Agreement in compliance with the requirements of the legislation of Ukraine (in such cases, the amended Rules shall be published on the Bank's website and enter into force on the date specified therein). The Client is obliged to read the new (amended) Rules on the first day of each month.
Changes and additions to the Loan Application are made by concluding additional agreements / statements between the Bank and the Client, unless otherwise stated in the Application.
The Client is entitled to early fulfillment of the obligations under the loan. Early repayment of the Loan is effected by sending the Bank for early repayment of the debt on the Loan of funds that are deposited in or in this account in an amount greater than the amount of the monthly payment in case of arrears of the Loan and in the absence of arrears of payment of other payments on the Loan. The Client's waiver of the obligations under the Loan unilaterally is not provided.
The amount of costs to be paid by the Client and / or the procedure for their determination, including taxes, is contained in the Tariffs
The service is provided by JSC Raiffeisen Bank, NBU license №10 dated July 02, 2021; EDRPOU code 14305909; was included in the State Register of Banks on 27.03.1992. under No. 94; location: 01011, Kyiv, str. Leskov, 9; phone numbers: 044 490 88 88; 0 (800) 505-045; e-mail address email@example.com; State regulation of the Bank's activity is carried out by the National Bank of Ukraine (01601, Kyiv, Institutskaya St., 9; hotline: 0800 505 240).
|The term of the loan||4 years with the possibility of automatic continuation|
|Opening a Visa Business Contactless Chip Card||Free|
|Credit currency||Ukrainian Hryvnia (UAH)|
|The maximum amount of credit limit||up to 300 000 UAH|
|Interest rate by the loan||from 29.9% to 31.9% per annum|
|Grace period||up to 60 days **|
|Minimum monthly payment||5% of the outstanding debt on the loan ***|
|Monthly insurance payment||0,5% of the outstanding debt on the loan (min. 10 UAH if the debt is more than 20 UAH) ****|
|Monthly account maintenance fee||-|
|Payments in Raiffeisen Business Online with own or credit funds||Free of charge
|Cash withdrawal commission on the territory of Ukraine and abroad||2,5% + 15 UAH|
|Date of repayment of the minimum monthly payment||until the 20th of each month|
|Credit card repayment||Free|
Save your time using the Qualified Electronic Signature (CEP) and sign all documents without visiting the Bank Branch. More details on Link
Pay your attention
|Pursuant to the requirements of article 671 of the Law of Ukraine On Banks and Banking (hereinafter – Law on Banks), Raiffeisen Bank JSC (hereinafter – Bank) shall submit to the credit register of the National Bank of Ukraine (hereinafter – Credit Register) the information on its credit operations involving the client-debtor, as indicated in part one of article 49 of the Law on Banks, if the amount of debt (principal debt and interests) under such credit operations is equal or exceeds 100 minimum salaries (or a foreign currency equivalent of this amount).|
The Bank shall submit to the Credit Register the information, the content and scope of which is stipulated by part 3 of article 671 of the Law on Banks, according to the procedure determined by the National Bank of Ukraine
* «Credit Card for entrepreneurs 2.0» tariff model
**Grace period applies to non-cash payment transactions for goods/works/services purchase at a retail network and/or Internet using the payment card. The Grace period continues from the first non-cash transaction in the Grace Period (on condition that there is no loan debt on the date of the transaction; if there is a loan debt, to start the grace period it must be paid by the client in full) and ends in sixty calendar days. For all expense transactions for payment of the cost of goods / services using a payment card made after the first such operation in the Grace Period, the Grace Period ends on the expiration date of the Grace Period for the first such operation in this Grace Period. The Grace period applies (interest for using the loan is not charged during this period) if the used limit amount was repaid by the end of the Grace period and minimum monthly repayments during the Grace period were made in due time.
- purchase date – 26.06;
- next date of interest calculation – 25.07, 25.08;
- repayment date of minimum monthly repayments – 20th day of every month – 20.08, 20.09;
- full repayment – by 24.08;
- grace period term – from 26.06 till 24.08 (60 days).
*** 5 (five)% of debt remain. Amount of minimum monthly payment is set for repayment every month on date of interest calculation and shall be repaid by the 20th day of the following month.
**** - calculated at the end of the month.
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1 Please note that the issuing bank may charge extra fee for these types of transfers.