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Terms of the loan program
- Opening a virtual card Visa Platinum 100 days
free
- Grace period
up to 100 days* for purchase and money transfer transactions
- Interest rate out of grace period
3% per month
- Fee for cash withdrawal/money transfer
3%
- Minimum monthly payment
3% of the outstanding balance at the end of each month
- The maturity date of the minimum monthly payment
until 18:00 on the last calendar day of the month
- Credit limit amount
from UAH 10 000 to UAH 500 000
- Loan repayments
free
- Accompanying services of bank/3 persons
not applicable
* grace period - a period during which interest is not accrued for the use of a loan, provided that the conditions of the grace period are met. The grace period begins on the date of the first transaction made during the grace period and is valid for 100 days. For all subsequent transactions, the grace period ends on the date of the end of the grace period from the date of the first transaction made.
To use the grace period, you must:
- repay the minimum monthly payments during the grace period, which are calculated as 3% of the amount of the used credit limit on the last calendar day of the month. The minimum monthly payment payment deadline is from the first calendar day and until 18:00 of the last calendar day of the month following the month of calculation of the minimum payment.
- repay all debt within 100 days from the date of the first transaction in the grace period (the debt is considered paid provided that the card account is replenished with the amount of debt that was at the end of the previous day by 18:00 of the current day).
For example,
- the date of purchase - June 02 is the beginning of the grace period, which ends on 10.09 (validity period - 100 days);
- the first monthly minimum payment will be calculated on June 30, the following on July 31 and August 31;
- the dates of repayment of the minimum monthly payments - by 18:00 on July 31, by 18:00 on August 31. In case of untimely payment, a delay occurs, the grace period is canceled and interest is accrued from the first day of the grace period (interest is accrued on the remaining debt at the end of each day).
- full repayment must be made by 6:00 PM on September 10. In case of late payment, the grace period is canceled and interest is accrued from the first day of the grace period.
WARNING to individual customers when using the Credit Card consumer credit service The service of providing Raiffeisen Bank JSC (hereinafter - the Bank) with consumer loans under the credit card program is provided by the Bank to individual customers under the terms of the Banking Service Agreement. The Banking Service Agreement (hereinafter - the Agreement) is an accession agreement (Article 634 of the Civil Code of Ukraine) and consists of a public offer, a statement of acceptance of a public offer/agreement, "Rules for Banking Service of Individuals in Raiffeisen Bank JSC", Bank tariffs and a loan application "Credit Card". In case of non-fulfillment or improper fulfillment by the client of the loan obligations established by the Agreement, the client is liable according to the legislation of Ukraine and the terms of the Agreement. Thus, for the delay in the fulfillment by the client of any monetary obligations under the loan, the client must pay a penalty at the request of the Bank in the amount of 1% (one percent) of the amount of overdue payment, but in any case not less than 50 (fifty) hryvnias. Also, in case of non-return of the loan by the client on the last day of the loan term, the client must pay interest to the Bank (as liability for violation of the monetary obligation under Article 625 of the Civil Code of Ukraine) in the amount of 0.000001% to 36.00% per annum. The Bank shall not require the client to purchase any goods or services from the Bank or a related or associated person as a prerequisite for the provision of a consumer credit service (except for the provision of a package of banking services). The Bank shall not be entitled to amend the Loan Card application with the client unilaterally unless otherwise provided by the Agreement or the law. The customer may refuse to receive promotional materials by means of remote communication channels. |
Useful information
Permanent registration on the territory of Ukraine
The age of the borrower from 23 to 60 years
Choose the most convenient way for you:
- via mobile app MyRaif;
- by a card of any Ukrainian bank1 on the Bank website;
- by an automatic monthly payment from another card account, issued by Raiffeisen Bank;
- via deposit ATMs and cash desks of the Bank (replenishment of the card at a deposit ATM is possible only using a physical card (the function is currently unavailable for a virtual card).
The Bank does not charge a fee for replenishing a credit card account..
The all services are FREE.
1Please pay attention that other isssuers can charge fee for such money transfers
- Ukrainian passport
- Taxpayer identification number
- Income certificate for a loan of UAH 20,000 or more
News
All newsRaiffeisen Bank Becomes the First in Ukraine to benefit from the First-Loss Risk Cover mechanism for Investment Projects supported by the EBRD and European Union
Raiffeisen Bank and the European Bank for Reconstruction and Development are partnering on a project-by-project risk-sharing programme to provide long-term financing to SMEs and midcaps for more complex investment projects, including those affected by wartime uncertainty. Enabled thanks to first-loss risk cover from the European Union (EU) under the Ukraine Investment Framework (UIF) as part of the Ukraine SME Recovery Programme.
EU-funded War Risk Coverage Grant to help Ukraine's MSMEs insure EBRD-financed investments against war risk
At the Ukraine Recovery Conference 2026 in Gdańsk, the EBRD, the European Commission, the Export Credit Agency of Ukraine ("ECA"), Raiffeisen Bank Ukraine and INGO announced their intention to implement the War Risk Coverage Grant ("WRCG") – a EUR 5 million, EU-funded pilot established under the EBRD-European Union contribution agreement signed in May 2026 within the Ukraine Investment Framework. The WRCG will help eligible Ukrainian micro, small and medium-sized enterprises ("MSMEs") afford war-risk insurance for the fixed assets they finance through EBRD-supported capex lending in Ukraine.
Raiffeisen Bank Ukraine signed a Mandate Letter with IFC on a potential risk-sharing facility to support businesses in Ukraine
The potential instrument would be designed to expand access to lending for micro, small and medium-sized businesses, as well as mid-market companies that continue to operate, invest in development, and support the recovery of the economy under wartime conditions.