Optimal Plus

Package of services for payroll service customers who appreciate the comfort, convenience and financial freedom

Mastercard Gold Contactless

Visa Gold Pay Wave

Visa Fishka

Discounts and special offers from more than 100 partner companies in Ukraine and abroad www.mastercard.ua

0 UAH

Free enrollment and transfer of funds from a card of any bank on the Bank's website

0 UAH

For the use of the package of services in the implementation of 10 payments/month. (less than 10 payments - the package price is 36 UAH)

Discounts and special offers from Visa www.visa.com.ua

Free cash withdrawal in all ATMs in Ukraine

0 UAH

For the use of the package of services with the implementation of the 10 payments/month (less than 10 payments – the cost 36 UAH)

Visa Fishka card, which combines payment card and a card of Loyalty Program Fishka

0 uan

For the use of the package of services with the implementation of the 10 payments/month (less than 10 payments – the cost 36 UAH)

Exchange of points for discounts from the Program Partners: AZK OKKO, ALLO, FURSHET, PROSTOR and rewards from the catalog

The accumulation of points for every purchase with the card

Key benefits

Additional privileges

Free of charge two gold cards: Visa Gold payWave and Mastercard Gold Contactless

Cash withdrawal

Free cash withdrawal at all ATMs of Ukraine

Profitable

The fee for using the package of services is 0 UAH / month when making 10 payments/month (Less than 10 purchases - the package price is 36 UAH)

Internet Banking

Free Internet Banking

Additional contactless cards

Free additional contactless cards to the account holder and trusted person

Secure

Secure online payments with 3D-Secure service

Loyalty program

Accumulation of points for each purchase when calculating Visa Fishka card

Additional Profit

Additional profit - 7% per annum in hryvnia on the deposit "Universal" with free movement of funds

Tariffs

Operations and Services	Package of services "Optimal Plus"
Opening an account in UAH	Free
Card expiry date:	4 years
Release and reissue (expiration, theft, damage, loss):
In the name of the account holder:	Free one card Visa Fishka payWave one card Visa Gold payWave one card Mastercard Gold contactless



In the name of a trustee:	Free
	one card Visa Gold payWave
Cash withdrawal, customer’s own funds:
– in the network of ATMs and branches of JSC "Raiffeisen Bank Aval"	Free
– in the ATM network of other banks in Ukraine³	Free
– in the network of branches of other banks in Ukraine³	1,5% + 5 UAH
– in the network of other banks and ATMs outside Ukraine³	1,5% + 40 UAH
Non-cash funds crediting:
– enrollment in the framework of the salary project from the company-employer	Free
– other non-cash transfers from individuals and legal entities	0,5%
Cash account replenishment through ATMs with the function of receiving funds JSC "Raiffeisen Bank Aval"	Free
Connection and maintenance of a card account for the "Mobile Banking" service (round-the-clock control of the movement of funds via SMS messages to a mobile phone for transactions from 100.00 UAH.)	Free (SMS notification of all account transactions)
Calculations in the trading network using the card; Internet payment with the 3D-Secure service	Free
Connecting to the Internet banking system «Raiffeisen Online» with the possibility of operations	Free
Monthly fee for maintenance of the Customer’s account within the Service Package	Taking into account the number of operations in the trade and service network¹
	10 or more operations²– Free
	Less than 10 operations²– 36 UAH

1 – the fee is charged at the beginning of the period for which the service is provided, after the first transfer of funds to the card account on the 6th day of each month, taking into account the achievement of financial indicators for the previous calendar month specified in clause 1 of these Tariffs, subject to sufficient funds on the account. The period from the date of commencement of services in the near 6th day is not charged. The account service from the 6th day following the date of the package of services to the next 6th day of the month is 0.01 UAH.

2 – when applying the monthly account maintenance fee, transactions in the sales and service network carried out during the previous calendar month using the card, using cards issued to the account, which include purchases in the sales and service network, on the Internet, regular payments for the services of Direct Debit, Standing Order, as well as the transfer of funds in the system "Raiffeisen Online" (The operations in self-service centers, purchases at ATMs, transactions for transfer of funds to the card account through the system "Raiffeisen Online" transfer from card to card) are not taken into account. The total number of transactions in the sales and service network is reduced by the number of cash back transactions to the Customer’s account during the previous calendar month, due to cancellation / partial cancellation of purchases using a card.

3 – other banks may charge additional fees in the currency of cash withdrawal.

Tariff for the maintenance and servicing of cards accounts of individuals – private clients and cards., opened in the framework of salary projects (current version of the document from 25.10.2020). Publication date 25.09.2020

Useful information

information that may be useful for you

Card opening

On site bank. You can change the card and enter the new rachunok on the website of the bank. Competing with this service, you save the hour and delete the card for one visit before the bank you created. Lines of cards wiggling - 10 working days from the day cards are wired to the site. For the card to be removed, you need to mother the passport of a Ukrainian citizen, but a document that says nothing, that is a certificate about the assignment of an identifier code.
At the nearest bank branch. To order a card you must have a passport of a citizen of Ukraine with you or a document that replaces it, and a certificate of assignment of an identification code. Card production time - 10 business days from the date of order.

What documents are required to open a card?

To open the card must have a passport of citizen of Ukraine or document substituting and help with taxe code.

How is the commission written off?

Charges are written off according to the tariffs of the Service Package on which the payment card is served. The tariffs can be found here.

Actions if you loss card

Urgently notify Raiffeisen Bank Aval of the loss (theft) of the card to block it by calling the Information Center:

0 (800) 500-500 (free in Ukraine)
0 (44) 490-88-88 (for Kyiv and calls from abroad)
521 (free for Vodafone mobile operator).

When you contact the Information Center, you can immediately order a new card to be issued to your account. It will be available in 10 days at your chosen bank branch.

Lock the card yourself using Raiffeisen Online.
On the bank's website you can also order an additional card to your account and receive it at your chosen bank branch in 10 days.
You can also block your own payment card at your nearest Raiffeisen Bank Aval office.

Card activation

In order to activate the card, you must make any transaction with the PIN code entry in:

ATMs;
Self-service center;
POS terminals of the bank cash desk.

The card automatically becomes active as soon as you enter the correct PIN. The card can be activated in payment devices of both Raiffeisen Bank Aval and other banks.

How to deal with fraudulent operations?

Keep your card data confidential.

If anyone calls you, do not disclose any of the following, despite any introduction they make:
• PIN-code of the card
• Its validity term
• 3 figures on the back of the card (CVV2/CVC2-code)
• Passwords sent via SMS
• Password to “Raiffeisen Online” Internet-BankingDo not disclose the above mentioned data to any third parties, despite any introduction they make.
The Bank has all the necessary information for servicing your card.

Procedure of the bank in case of non-fulfillment of obligations by the client under the agreement on the provision of banking services

In case of the amount of transaction is more than available balance overdraft arises on the card account.

In this case Bank will follow Banking Rules for private Individuals in accordance with Article 8, paragraph 8.6. Section 2

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