Payment cards with an overdraft option

Overdraft option for retirees

Overdraft terms:

• In national currency;
• Limit is 50% of pension (up to Hr10,000.);
• Overdraft period is up to 1 year;
• 36% APR.

Overdraft option for public sector staff

Overdraft terms:

• In national currency;
• Limit is up to Hr10,000;
• Overdraft period is up to 1 year;
• Interest rate is as much as the NBU's discount rate.

Overdraft option for private sector staff

Overdraft terms:

• In national currency;
• Limit is up to Hr10,000;
• Overdraft period is up to 1 year;
• 34% APR.

Overdraft option for the bank's account-holders against deposit

Overdraft option is at the account-holder's discretion and subject to a deposit of Hr3,000 or equivalent.

Overdraft terms:

• In national currency;
• Limit is up to 70% of the deposit;
• Overdraft period is as long as the deposit term;
• Interest rate: APY+ 5 bp;
• Financed against deposit.

To apply, pertinent documents are as follows:

• National passport;
• Tax-payer ID;
• 6-month payroll statement;
• For self-employed, Registration Certificate, income verification document from the Tax Administration at the place of registration (Sales and Purchase Statement, Tax Return, etc.) for the previous 2 reporting periods and Tax-payer Certificate;
• Track-record statement.

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For additional information, please visit us at:

46 Artema Street
Kharkiv 61002, Office. 210
Personal Loans Division (Sales Dept.)
Tel.: +38 (057) 715-52-63