Pension optimal

Package for recipients of pensions and financial aid

Visa Classic

Pension optimal #2 | Raiffeisen Bank Aval

Visa Fishka

0 uan

Payment for using the package of services for 5 purchases during the month or the average daily balance of UAH 3000 and more

Payment for services and goods on the Internet with 3D-Secure service

Visa Fishka is a card that combines a payment card and Fishka Loyalty Program card.

0 uan

Payment for using the package of services for 5 purchases during the month or the average daily balance of UAH 3000 and more

Accumulation of points for each purchase when calculating a card

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

Key benefits

Additional card Visa Classic

Free additional card Visa Classic (on behalf of trustee with the possibility of setting individual limits)

Economically

Free cash withdrawals at ATMs and branches of Raiffeisen Bank Aval, as well as free cash withdrawals of up to 10 thousand per month at ATMs of other banks in Ukraine

Additional Profit

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

Accumulation of points

Accumulation of points for each purchase when calculating Visa Fishka card

Mobile banking

Free Mobile and Internet Banking

Loyalty program

Free card Visa Fishka and participation in the FISHKA program

Tariffs

Operations and Services	Package of services "Pension Optimal"
Opening an account in UAH	Free
Card expiry date:	4 years
Issue and reissue of one card in the name of the account holder:	Free
	Visa Classic or Visa Fishka
	Visa Instant
	–
Issue, maintenance and reissue of one card in the name of a trustee:
– one card Visa Classic	60 UAH
– one card Visa Instant	20 UAH
– one card Prostor	–
Getting cash:
– in the network of ATMs and branches of JSC "Raiffeisen Bank Aval"	Free
– in the network of other ATMs in Ukraine¹	Up to 10,000 UAH. for a calendar month - for free, each subsequent withdrawal from 10 000,01 UAH - 1,5% + 5 UAH
– in the branch network of other banks in Ukraine¹	1,5% + 5 UAH
– in the network of other banks and ATMs outside Ukraine¹	1,5% + 40 UAH
Crediting of non-cash receipts card account:
– pensions, social assistance (PFC, social security agencies, employment centers, etc.)	Free
– other income	0,5%
Cash account replenishment through ATMs with the function of receiving funds of JSC "Raiffeisen Bank Aval"	Free
Connection and maintenance of a card account for the "Mobile Banking" service (round-the-clock monitoring of the movement of funds via SMS messages to a mobile phone for transactions from UAH 100.00) per month	Free
Calculations in the trading network using the card; Internet payment with 3D-Secure service	Free
Connect to the Internet banking system "Raiffeisen Online" with the possibility of operations	Free
Monthly fee for service package	Taking into account the number of operations in the trade and service network and average daily account balances²
	5 or more account transactions or daily average balance in the amount of 3000 UAH. and more³ Free
	Less than 5 account transactions or average daily balance of less than 3000 UAH.³ – 11 UAH

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

2 – 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. 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.

3 – when applying a monthly account maintenance fee, the following are taken into account:\ Transactions in the sales and service network carried out during the previous calendar month using a card, on cards issued to an account, which include the purchase operations in the sales and service network, on the Internet (except for payment for financial services), regular payments for Direct Debit, Standing Order services, and also transfer of funds in the "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 trade and service network is reduced by the number of cash refund transactions to the Client’s account during the previous calendar month, in ’ connection with the cancellation / partial cancellation of purchases using the card. - average daily balances Customer’s own funds placed on the card account for the previous calendar month.

4 – the fee is charged at the beginning of the period for which the service is provided, each month of the next business day after the day, corresponding to the opening date of the card account, after the first transfer of funds to the card account, subject to sufficient funds on the account. The period from the date of the first transfer of funds to the card account in the next business day following the day corresponding to the date of opening the card account and follows the date of commencement of the provision of the Service is not charged.

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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