Warning!

If you fail to pay the interest on the loan or the loan itself, the Bank has the right to demand compensation for the losses incurred in the form of a forfeit (fine/penalty).

According to the current legislation of Ukraine, in the event of a consumer's delay in the period from March 1, 2020, until the termination of obligations under the consumer loan agreement concluded before the thirtieth day inclusive of the date of entry into force of the Law of Ukraine «On Amendments to Certain Laws of Ukraine on Improving State Regulation of Financial Services Markets»*, including the term of which was extended after the entry into force of the Law of Ukraine «On Amendments to Certain Laws of Ukraine on Improving State Regulation of Financial Services Markets», the consumer is released from liability to the lender for such delay. Including, but not limited to, the consumer is released from the obligation to pay a forfeit (fine, penalty) and other payments to the lender in case of such delay, provided for in the consumer loan agreement for delayed fulfillment (non-fulfillment, partial fulfillment) by the consumer of obligations under such agreement. It is prohibited to increase the interest rate for the use of a loan for reasons other than those provided for in part four of Article 1056-1 of the Civil Code of Ukraine in the case of failure to fulfill obligations under the consumer loan agreement within the period specified in this clause. Forfeit (fine, penalty) and other payments provided for in the consumer loan agreement accrued for the period specified in this clause for delay in fulfillment (non-fulfillment, partial fulfillment) of obligations under such agreement shall be charged off by the lending bank.

*The Law of Ukraine «On Amendments to Certain Laws of Ukraine on Improving State Regulation of Financial Services Markets» entered into force on December 24, 2023.

The Bank has the right, in cases specified in the agreement, to demand early repayment of loan payments and reimbursement of losses incurred by the breach of the obligation. The bank has the right to enter information into the credit bureau / Credit Register of the National Bank of Ukraine; the customer's failure to fulfill obligations under the consumer loan agreement results in a negative credit history, which may be taken into account by the bank when making a decision on granting a loan in the future.

The bank does not require the customer to purchase any goods or services from the bank or a related or affiliated person as a prerequisite for the provision of these services (except for the provision of a package of banking services).

Amendments to the agreement shall be made by the bank only upon consent of the customer (party to the agreement), unless otherwise provided by the agreement or the legislation of Ukraine.

​After termination of the banking service agreement, including due to expiration, termination or fulfillment of such agreement, the client has the right to request information (certificate) from the bank regarding the fulfillment by the parties of their obligations under the agreement, including information (certificate) on the absence of debt and fulfillment of the client's obligations under the agreement in full, which the bank provides in the form of a paper or electronic document (at the client's option) within five business days from the date of receipt.

Increase of the fixed interest rate under the agreement may not be carried out without the written consent of the consumer of the financial service.

The Customer has the right to refuse to receive advertising materials that may be sent to him/her via remote electronic service channels in the future.Application form for refusal to receive advertising materials is available at the link in the «Other» section.