Frequently Asked Questions

The loan and interest thereon is repaid using one of the following methods depending on the terms chosen by the borrower:

• Monthly, loan instalments are calculated using the annuity method;
• Monthly, loan principal is repaid in equal installments and interest is accrued on the loan outstanding.

Early loan repayment takes place without limitations and charges.
 

• CASCO insurance policy;
• Third Party Liability insurance policy;
• The customer may need to get a life insurance depending on the credit product.
   

• You pay your down payment for a car in the cash office of the car dealership or the bank;  
• You conclude a purchase and sale agreement with the car dealership;
• The vehicle is registered with the State Traffic Inspection. This can be done by the car dealership manager, or you can do it yourself;  
• Car dealership employee draws up a set of documents and gets approval of the date of disbursement from the employee of the bank;
•  All the necessary documents are signed in the outlet of the bank;
•  A current account is opened in your name and money is transferred therefrom to the car dealership’s account to pay for a car;  
• As soon as the car dealership sees the money in the account, you can get your car.              
   

If the price of the vehicle went up, you have the following options:  

• If you can increase the amount of down payment so that the loan would not exceed the amount stated in the Letter of Intent, then the loan decision is not reconsidered;  
• If you do not have a possibility to increase your down payment and you would like to have your loan amount increased or the other loan terms changed, then it is necessary to have the decision approved once again.  
   

• To change a car, you need to address a certified car dealership that has a car you need and take the following steps:  
• Submit the same set of documents;
• Update income statement if it has been issued more than 14 days ago;
• Have your loan application approved once again;
• Get a new Letter of Intent and have the previous one cancelled.
   

To change lending terms and conditions you need to address either a car dealership, or an outlet of the bank depending on where the documents for a loan application were initially submitted. 

If you want to increase your down payment, you can do that without any additional approval from the bank.  

If you want to reduce your down payment, change validity period of the loan, switch to another lending program or change the interest rate, you have to: 

• Submit the same set of documents (to the car dealership or the outlet);
• Update income statement if it has been issued more than 14 days ago; 
• Have your loan application approved once again; 
• Get a new Letter of Intent and have the previous one cancelled.   

• Once a positive decision is made, the bank draws up a Letter of Intent in the name of the customer. This document confirms a possibility of receiving a loan;
• The Letter of Intent contains any and all parameters of the loan, lending terms and conditions, as well as any additional documents mandatory for loan acquisition by the customer. Fulfillment of the terms and conditions of the Letter of Intent is a mandatory prerequisite;
• The Letter of Intent remains in force for 60 days from the moment of its issue;
• You can get only one valid Letter of Intent at a time. If the customer wants to change lending terms and conditions, a vehicle or a car dealership, one of the Letters of Intent will be cancelled on a mandatory basis.
   

• Positive credit history provides additional evidence of the borrower’s solvency; 
• Absence of concealed loans, attachments and encumbrances over both movable and immovable property;
• Documents that confirm ownership of assets. Assets the customer bought for his/her own funds or on credit provide an advantage (cars, tractors, equipment, other movable property, apartments, houses, land plots, deposits, shares in business, etc);

The customer may improve his/her chances of a positive decision, if he/she provides documents about the customer’s business or additional income, namely:

• Lease agreements for premises;
• Account statements about cash flows;
• Service agreements;
• Product purchase agreements;
• Work completion reports (agreements);
• Regular financial aid from the relatives working abroad (bank certificate about the incoming funds for the last 6-12 months, or the account statement, or receipts for the last 6-12 months confirming received electronic money transfers).  

All the documents submitted to the car dealership at the moment the bank receives a loan application should be provided, namely:

Documents about the customer’s identity/income:

• Passport of the citizen of Ukraine or a national passport of the citizen of another country (with a record about a permit for permanent residence in Ukraine) together with a certificate of permanent residence;
• Tax ID number (TIN) or a copy of the passport page with a record about the right to carry out any payment transactions using the series and number of passport;
• Marriage certificate (if the customer/surety/property surety is officially married);
• Divorce certificate or a court ruling about the dissolution of marriage with a record confirming its effectiveness (if the marriage of the customer/surety/property surety has been dissolved);
• Original documents confirming income of the customer, his/her spouse, financial surety (income statement for a work-for-hire worker, tax declarations for private entrepreneurs).    

In case spouse/surety/property surety of the customer is absent at the moment of the agreement conclusion:

• Notarized application confirming consent of the customer’s spouse to loan acquisition and provision of the car purchased on credit to the bank as collateral;
• Notarized application confirming consent of the property surety’s spouse to provision of the car purchased on credit to the bank as collateral;
• Notarized application confirming consent of the surety’s spouse to the surety agreement conclusion.

Documents for a car being purchased: 

• Concluded vehicle purchase and sale agreement;
• invoice (or vehicle specification, or vehicle bill of lading);
• vehicle registration certificate (technical passport);
• document confirming a down payment for the vehicle (payment instruction, receipt, second copy of the credit slip, payer’s current account statement, etc);
• CASCO insurance policy or Third Party Liability policy,

as well as other original documents provided to the car dealership for making a loan application to the bank.

• Minimum loan amount - USD 2,000 (in equivalent);
• Maximum loan amount - USD 100,000 (in equivalent).;

• The Borrower’s passport and copy of passport of the Borrower’s spouse (all pages containing information);
• Certificate from the tax authorities about the assignment of the tax ID number to the Borrower; 
• Car selection certificate, vehicle specification or invoice;
• Other documents requested by the Bank;

Documents to be submitted by a private individual:

The proof of employment of the Borrower and/or his/her spouse certified by the accounting office no more than 2 weeks prior to the day of its submission to the Bank, which contains the information about the position of the Borrower and/or his/her spouse and salary accrued for the last six months.

Documents to be submitted by a private entrepreneur (PE):
State Registration Certificate of the private entrepreneur or abstract from the Unified State Register of Legal Entities and Private Entrepreneurs.

For private entrepreneurs working under the simplified taxation scheme:

• Certificate of paying a single tax;
• Tax return of the private entrepreneur paying a single tax:
  - For the first and second groups of payers of the single tax - for the last 2 years
  - For the third and al the following groups of payers of the single tax - for the last 5 quarters.

For private entrepreneurs working under the general taxation scheme:

• An extract or certificate from the Unified State Register of Enterprises and Organization of Ukraine with the information about the main types of activity;
• Property status and income tax declaration for the last 2 (two) years.

Sailor customer has to submit the following:

• seaman’s passport;
• certificate of a crewing company containing the date of the next trip, starting date of the sailor’s employment with the relevant crewing company and name of his position; 
• contracts and sailing certificates for the last two years;
• financial surety (if the customer’s spouse is unemployed or gains low income as compared to the monthly loan installments);

Customer who is a CEO and owner (full or partial) of the organization where he/she works:

• Charter of the company;
• Financial statements of the company (F1 and f2) for the 4th quarter of the previous year and the last quarter of this year; 
• Appointment order;
• Company’s state registration certificate;

Customer having outstanding or repaid loans:

• Bank’s certificate about the Customer’s loan outstanding and its quality, loan repayment discipline being specified;
• Loan agreements and repayment schedule;

Customer living on the territory of Ukraine with a certificate of permanent residence:

• certificate of permanent residence (INDEFINITE);
• identification code;
• income statement or reports for the private entrepreneurs (income should be gained on the territory of Ukraine);
• confirmation of property rights to immovable property on the territory of Ukraine.

To draw up a car loan application you should address either a car dealership, or an outlet of the Bank, depending on the lending program. 

Depending on which of the above options you have chosen, the process of document submission and drawing up an application for a car loan takes place differently and lending terms and conditions differ as well. 

If you have submitted documents to the car dealership:

A car dealership manager takes care of the document collection and approval of the loan application up to the moment of receiving a Letter of Intent.

If you have submitted documents to the outlet of the Bank:

An employee of our Bank takes care of the document collection and approval of the loan application up to the moment of receiving a Letter of Intent.

We cooperate only with official car dealerships and importers in Ukraine. Once you have decided what car you want to buy on credit, you have to choose a credit product.

There are two main types of credit products for buying cars in our Bank:

• Special lending programs developed together with car dealerships;
• Standard lending terms and conditions effective in the outlets of the Bank.

A vehicle purchased on credit should have full CASCO insurance on a mandatory basis.

Full CASCO is a type of motor vehicle insurance which previews reimbursement of losses in the event of damage, total damage and theft (illegal possession) of the vehicle, but does not include insurance of transported passengers and cargo.

Insurance should be provided by the company approved by the Bank.

Limit of indemnity for CASCO (insured amount for the car) equals the price of the vehicle.

The Bank is a beneficiary under the insurance agreement.

Mandatory Third Party Liability for Road Vehicle Owners (Third Party Insurance or OSAGO) is a type of mandatory insurance that provides reimbursement for damage inflicted upon the third party as a result of a traffic accident.

Damages you inflicted as a result of a traffic accident are reimbursed by an insurance company:

Up to UAH 100,000 per one injured for damage to property (if number of affected people more than 5, the amount reduced proportionally);
Up to UAH 200,000 per one injured for damage to life and health.

It is insurance of life and health of the Borrower. The purpose of insurance is to provide financial coverage to the Borrower and repay loan outstanding if the insured event occurs. An insured event is loss of ability to work or death of the Insured.

A policy is signed either in the car dealership, or in the outlet of the bank. It depends on a partnership program. 

Yes, you can, but you should conclude it with the insurance company which is a partner of the bank under the respective lending program. 

Down payment is a part of the cost of a vehicle to be paid by the customer independently. The payment takes place in the car dealership on behalf of a private individual customer or a property surety (if any). Down payment receipt is submitted to the bank.

Upfront fee is payable at the moment of the agreement in the outlet of the Bank as a percentage of the disbursed loan amount. The amount of fee depends on the credit product and is within the range of 0% to 3.5%.

According to tariffs of the notary and region. Paid per extract on borrower and property surety (if any) and his/her spouse.

Registration in DRORM costs from UAH 70 to 100 according to the rates of the notary public and depending on the region.

Notarial attestation costs from UAH 1,200 to 1,500 depending on the region and marital status of the Borrower. If the Borrower is not married, minimum fee is charged, if he/she is married, maximum fee is charged.    

0.1% of the cost of the vehicle.

CASCO insurance policy costs from 3.5 to 11% of the cost of the vehicle in cash equivalent depending on the lending program and insurance parameters.

Approximately from UAH 405 to UAH 2642. The payment depends on region, car value and engine volume.

Contribution to the Pension Fund stands at 3% to 5% of the cost of the vehicle less VAT in cash equivalent and is calculated using a differentiated rate: 

•  3% for a vehicle costing up to 165 minimum living wages;
• 4% - up to 290 minimum living wages;
• 5% - over 290 minimum living wages.

Calculation example No.1:

The cost of the vehicle - UAH 100,000 - should be divided by 6 (the result being UAH 16,666.67). Then we deduct UAH 16,666.67 from the cost of the vehicle. Thus we get 83,333.33 and 3% of that amount equals UAH 2,500.

Calculation example No.2:

Cost of the vehicle UAH 100,000 / 1.2 = UAH 83,333.33* 3% = UAH 2,500.

Registration fee is from UAH 2,000 to 4,000 depending on the region.

From UAH 100 to 150 according to the rates of the notary public payable for each extract for the borrower and property surety (if any) and his/her spouse(s) if it has been more than 30 days from the date of the decision.

Before signing the loan agreement, you are at any time can opt out of receiving credit.

After signing the loan agreement, you can refuse credit within 14 days of receipt of the signed copy of the credit agreement (in accordance with the Law on Consumer Protection).

The right to such refusal does not apply if the already concluded agreements on:

1. consumer loans secured by mortgage;
2. consumer loans for housing;
3. consumer loans granted for the purchase of services, execution of which occurred before the expiration of the withdrawal agreement.

1. When repaying in outlet of JSC "CREDIT AGRICOLE BANK":

• Number of the Loan Agrement;

• Full name of the borrower;

2. When repaying a loan in outlet of other bank:

• Number of transit account for loan repayment (indicated in the loan agreement, starts with 2909);

• Number of the Loan Agreement;

• MFO of PJSC "CREDIT AGRICOLE BANK" (is available on a relevant page);

•TIN and full name of the borrower

Yes, you can repay a loan partially or in full prematurely. Commission on early loan repayment is not charged.

In case of partial early repayment, the tenor will be automatically reduced. Please note that partial early repayment does not exempt the borrower from payment of the next monthly payment.

You can also repay a loan in full prematurely.

Commission on early loan repayment (full or partial) is not charged.

• Once a respective document is received, the bank stops to make loan accruals from the borrower’s date of death.
• According to Article 1282 of the Civil Code of Ukraine, heirs shall be obliged to satisfy the creditor’s claims in full, but within the value of the inherited property. The heirs shall be obliged to satisfy the creditor’s claims by one-time payment, unless otherwise is agreed between the heirs and the creditor. In case of refusal from one-time payment, the court, against the creditor’s claim, shall foreclose the property transferred to the heirs in kind.
• If it is impossible to repay the debt under the loan agreement by one-time payment, the Bank may consider issuing a loan to the heir to repay the loan under the loan agreement of the deceased.
• If at the time of loan issuing the borrower concluded the life insurance agreement, then the loan balance can be repaid by insurance company.

You must immediately call to the Contact Center of the Bank by dialing the number 0 800 30 5555 (free calls from landline all over Ukraine) or +380 44 495 22 77 (for calls from abroad), and block the card. Through this process you will protect the funds in your account from fraudsters. In order to reissue the card, please contact the outlet of the Bank. If you have found the card unexpectedly and you are sure that the third persons had no access to it – call the Contact Center of the Bank to unblock the card. 

If the card is withheld due to technical failure, incorrect PIN-code or you forgot to retrieve it from card reader, you should contact the Bank to which this ATM belongs. In all other cases, please call (044) 495-22-77 (round-the-clock) to inform about all circumstances related to the card withholding and receive instructions on your further actions. In case of any unusual situations, please contact the Bank by calling (044) 495-22-77 (round-the-clock).

If ATM dispensed incorrect amount, the Account Owner should contact the Bank and file the transaction dispute application describing the circumstances of such transaction and submit a copy of the ATM receipt (if any).

If transaction under which the wrong amount was dispensed has been made in ATM that belongs to Credit Agricole Bank, the money will be returned to/debited from the account within three business days from the date of ATM cash collection.

Under transactions made in ATMs of other banks the money will be transferred to the card account after the Bank performs the procedures time limits of which are established by respective international payment system. 

If you have the card in hand, it's most likely that its data became known to the third persons: the card could have been copied, taken photo of or somehow got an access to its details. If you don't have the card in hand, it is probably lost and used by fraudsters or stolen.

In any case, you should block the card by calling the Contact Center of the Bank 0 800 30 5555 (free calls from landline all over Ukraine) or +380 44 495 22 77 (for calls from abroad), and block the card!

Please recall what transactions have you made recently. Sometimes, SMS messages can be received with delay. If there was an error and transaction with the use of your card has been made indeed, you can always unblock the card by calling the Contact Center of the Bank.

In order to change PIN-code, insert the card into the ATM card reader, enter current PIN-code and select "Other transactions" in the menu. Then select "Change PIN-code" in the menu and enter the new PIN-code. Then press the button "Next". The new PIN-code should consist of at least 4 symbols. Enter new PIN-code once again and press the button "Next". 

Unfortunately, the lost PIN-code cannot be restored. You should contact the outlet of the Bank to reissue the card. If you  are not sure that you can remember the PIN-code which was given to you together with the card, use the service of PIN-code change in any ATM of Credit Agricole Bank.

In case of debt under card account (unauthorized overdraft or loan payment past due), your card becomes unavailable for transactions of cash withdrawal or cashless settlements. At that, a message "Error No. 928, limited account" will be displayed on ATM screen or receipt. You can repay the debt by crediting the card or directly the card account in the Bank outlet or by transferring the money to the card in cashless form. You should remember that in case of instant card crediting (in the outlet or by online transfer) the account debt will be repaid on the next business day! Once the card account debt is repaid, the card becomes available for expense transactions.

All cards of Credit Agricole Bank are of international class. This means that regardless of the currency of the card account to which they are issued, you can pay with such cards all over the world.  If the currency of settlement is different from the currency of the card account, the amount will be automatically translated into the account currency at the exchange rate established by the Bank and/or international payment systems. 

Examples of such conversion are available in our information posts on Facebook (1, 2, 3).

If when paying or withdrawing cash the payment terminal or ATM show transaction rejection error, it is likely due to card limits for certain types of transactions. Such setting was made by the Bank in order to protect your funds.

You can manage limits for cash withdrawal, cashless payments or payments in the Internet with your card by yourself with the help of the Internet-banking «i-Bank» or in the outlet of CREDIT AGRICOLE BANK.

For this purpose, CREDIT AGRICOLE offers a convenient service of changing the limits on your card:

• You can decrease or increase (within the limits established by the effective banking law) limits on your card for the following types of transactions:
• Cash withdrawal in bank's ATMs in Ukraine and abroad
• Cashless settlements in retail network
• Payments in the Internet

Quasi cash settlements in the Internet (on websites of such bill aggregators as "Portmone", "iPay", etc.).

In order to set necessary limit values, you should:

• Get an access to the Internet-banking "i-Bank" CREDIT AGRICOLE
• Select from the list of your cards the one you want to set necessary limitation
• Click the option "Limit change" in tab "Operations" and set necessary values by following the system instructions.

You can activate such limit changes for your card for a 1-day period or until the card's expiry date.

The same service of changing preset limitations for transactions under your card is available in the Bank outlet as well. The service is chargeable in accordance with the effective tariffs of the Bank.

Yes. Once in a while, Credit Agricole holds certain Promotions or promotional campaigns for holders of its cards. In such event, the Bank communicates the terms and rules of such campaigns to the customers by posting the relevant information in section "Promotional campaigns" on the website of the Bank, on official community page of Credit Agricole Ukraine on Facebook, in mass media or personally to the customer by telephone or mail.

Moreover, International Payment Systems provide long-term loyalty programs to card holders allowing the customers to receive discounts and bonus offers in certain points of sale.

For example, the International Payment System Visa has a simple global solution - Application Visa Explore, developed to inform Visa card holders about advantages of premium platform that allows them to make purchases with Visa simpler, more quickly and efficiently.

 Visa card holder can easily find special offers and promo-campaigns near his/her location in Ukraine and abroad - everything you need. Ranging from trip offers to restaurants, shops, and entertainment.

Main functions:

• Using geolocation, function [Near] finds the best offers near your location and conveniently shows them on map. It is a perfect application for the customers who want know special promotional campaigns around.
• Automatic messages inform about updates.
• Users can find ATMs located nearby with the click of the button.
• The application offers a quick access to emergency aid and telephone numbers of support service for premium card holders.

Read the installation and use instructions>> and Download application (link).

International payment System MasterCard developed its platform named "Bilshe" and allows the customers to receive discounts on certain goods by paying with Mastercard card for any purchases.

To join the program:

• Go to the program's web site at bilshe.mastercard.ua
• Register
• Add the card to the system
• Get bonus points and exchange them to discounts from the catalogue.

Any MasterCard cards are eligible to participate in the program.

In order to open the card the following documents should be submitted:

• passport of citizen of Ukraine (for non-residents – passport or other ID)
• Identification Code Certificate (if any)

In addition:

• for deposit card – a copy of the Deposit Agreement concluded with Credit Agricole should be also submitted.
• for credit card - certificate on income for the last 6 months is required. When opening the credit card under salary project, the employment confirmation letter containing the position held and income received for the last 6 months is not required.
• for pension and social card - identity document or other document confirming the customer's right to social payments should be submitted.

• Details for cashless crediting of the card account of private entrepreneur and legal entity opened with PJSC "CREDIT AGRICOLE BANK"
• Details for cashless crediting of the card account of private individual opened with PJSC "CREDIT AGRICOLE BANK"

All operations in ATM are performed by pressing respective buttons near the screen and on keypad.

Getting started:

• Before making any transactions, make sure that ATM is working.
• Gently insert the card into the ATM with magnetic stripe down on the right. The card will be in ATM until the transaction is complete.
• Select the preferred language and press the relevant button.
• Enter your PIN-code and confirm it by pressing the relevant button near the screen. PIN-code can be requested either once for all transactions or several times before every transaction.

Note! After the incorrect PIN-code is entered for three times, the ATM will retain your card for security purposes.

Select transaction:

select necessary transaction from the list displayed on the screen of ATM: "ACCOUNT BALANCE", "CASH WITHDRAWAL", "MINI SLIP" or "PAYMENT".

Account balance:

• When transaction "ACCOUNT BALANCE" is selected, the amount of your account balance will be displayed on the screen. Note! Your account balance can be checked only in ATMs of Credit Agricole.
• ATM will print a slip with card account balance on it, and then the message "Other transaction?" will pop up and options "Yes" and "No" will appear.

Cash withdrawal:

• Select "CASH WITHDRAWAL"
• If you need a bigger amount than those indicated on the screen, press the button "Other amount". Then enter necessary amount using a keypad and press the button "Correct".
• If you entered the wrong amount by mistake, press the button "Not correct" and start over again.
• If you need an amount bigger than maximum one-time withdrawable amount, repeat the operation until you have the necessary amount. Each ATM has limited amount for one-time withdrawal.
• Having entered the amount, wait several seconds — your request is being processed. Once the requested bills are in cash dispenser, take them out without delay.

Attention! Bills not taken out during 20 seconds will be retained by ATM!

Mini slip:

• If you want to check your account status, select transaction "MINI SLIP".
• ATM will print a slip with your card account where the last 10 transactions will be indicated.

Repeat transaction:

If you want to repeat any transaction, press the button "Yes" next to "CONTINUE?" and select necessary transaction.

Finishing:

If you want to finish the work with ATM, press the button "No". ATM should give you the card back and a slip. The card should be taken out during 30 seconds.

Attention! ATMs will retain the forgotten cards!

Questionnaire for a legal entity

CREDIT AGRICOLE BANK cares about our customers’ payment security; therefore all cards issued by the Bank, without exception, will be connected to 3D technology automatically and for free.

The use of 3D Secure is aimed at the protection of funds of the Bank’s customers, therefore the service is mandatory. Moreover, you will not be able to make a purchase at web-sites that support 3D Secure without prior activation and use of this service.

In such case, you can seek help of the Bank’s Contact Centre. You should call the number of the hotline indicated on the reverse side of your card.

To activate an instant re-issued card without the name of the cardholder on it, you should enter the word INSTANT in the field “Name and surname on card”.

If you enter wrong activation data 3 times or in the process of using the service, your card will be blocked for Internet transactions.. To get your card unblocked, you should call the Bank’s hotline using the phone numbers indicated on the reverse side of your card.

If the input of one-time password is required by 3D Secure screen forms, and you are not receiving the OTP to your phone, please, make sure that:

- your mobile phone is switched on, the account is not locked, and you are located within the area of operator coverage;

- you have enough free space on your SIM card to receive new SMS messages (you should delete old SMS, if needed);

 - The account is not blocked, your tariff package allows for receipt of SMS messages, and roaming service is enabled (if you are located outside of your home network).

 If all of the above-mentioned conditions are met, please try to repeat your payment once again or call the Bank’s Hotline phone numbers indicated on the back of your card.

If an online store does not support 3D Secure (there is no  Verified by Visa or MasterCard® SecureCode ™ logo on its website), you can make a payment by entering the details of your card that are required by the store. However, in this case your payment transaction will not be protected by 3D Secure.

It is a rewords program under which its participants accumulate points by paying with Mastercard card and then can exchange these points for offers from the catalogue (discounts, participation in draws).

You have to register at the Program website and register at least one Mastercard® card

https://bilshe.mastercard.ua

All Mastercard® cards issued in Ukraine and confirmed by bank for participation in the Program. Maestro cards do not participate in the Program.

After the Program restarts and the bank joins it, you have to go through the registration process again and link cards to your personal account, including the cards which have already been linked in the account of the first version platform.

If the card has already participated in the Program, the accumulated points (including those accumulated during the non-availability period of the Program) will be shown in personal account.

Note: Card’s participation in the Program must be confirmed by bank.

Starting from 01.08.2020, the points accumulated over the previous period by customers of banks which will not confirm participation of their cards in the Program and will not download them in the Program’s system, will be canceled.

You can check your current points balance at your personal page at the Program website.

https://bilshe.mastercard.ua/profile/

You receive points for purchases in the amount exceeding UAH 50 made with your Mastercard® card.

Limitations of transaction amount do not apply to payment of fares on public transport (Kyiv metro, express tramway, and funicular).

Note: a transaction performed in transport will be accepted only if you pay the fares by contactless Mastercard® card on Mastercard-branded fare-gate.

There are some categories of transactions you don’t earn points for. They are listed in the Official Rules of the Program.

https://bilshe.mastercard.ua/terms_and_conditions.html

You get 1 point for 1 transaction regardless of the purchase sum, but it must be at least UAH 50. For one transaction made with smartphone or smart using NFC*-technology you will get 2 points regardless of the purchase sum, but it must be at least UAH 50.

* NFC (Near Field Communication) — means a contactless high-frequency short-range communication technology “One Touch”. It allows data exchange between electronic devices, especially smartphones and contactless payment terminals, over a distance of approximately 10 cm.

Limitations of transaction amount do not apply to payment of fares on public transport (Kyiv metro, express tramway, and funicular), if you pay by contactless Mastercard® card on Mastercard-branded fare-gate.

The points are credited to your account automatically within 2–10 days. However, bear in mind that processing of a transaction and accrual of points for transactions made outside Ukraine may take up to five weeks from the date of transaction.

That is why points might not be credited on the day of purchase or the next day.

Not all transactions give you the points. Transactions for which the points are not accrued are the following:

• Cash withdrawal with a card in ATM or bank’s cash desk;
• Cash balance transfer;
• Purchases with cheques;
• Insurance premiums;
• Interest;
• Any fees and charges;
• Traveler’s cheques;
• Gambling games of any kind (including payments for a chance to win the prize);
• Any purchases in cash.

Yes, you can. You receive as a gift:

• 10 points for registration of your first card (you will not receive 10 points for subsequent registered cards).
• 5 points for e-mail confirmation.
• 5 points for entering your individual tax number (TIN) during the registration or on your personal page.
• 10 points for each friend who would register following your link. To do so, you need to go to the offers page in the catalogue and share it on Facebook. You will get 10 points for each user who will register following this link.

On your personal page of the Program, you can register unlimited number of cards. Points balances in several payment cards will be combined. If cards are registered to different users, they can no longer be combined or re-registered.

You can exchange your points for different offers. Some of them are available on the Program website.

https://bilshe.mastercard.ua/

To view the whole list of offers, you need to register.

You can exchange points only on the Program website. Log in to your personal page and select an offer from the catalogue.

Unfortunately, orders cannot be returned or changed.

What should I do if points were not credited to my account?

All information about all transactions made with your card and number of points earned is contained in your personal account. There are some categories of transactions you don’t earn points for. They are listed in the Official Rules of the Program. https://bilshe.mastercard.ua/terms_and_conditions.html

Please note, that points are credited within 2–10 days.

If you think that transaction which was not recognized does not belong to any of these categories, send bank statement which will confirm that the transaction is performed, to bilshe_info@mastercard.com.

All discrepancies in numbers of points must be communicated within three months from the date of purchase.

It is recommended to use the latest versions of web browsers. To log in to an account, enter your mobile phone number without spaces and additional symbols, and a password generated during registration. If you have forgotten your password, use “Forgot password?” function on the website.

If you want to delete a card from your account, use “Delete card” function in section “Cards”.

Yes, you can register it again.

Only Mastercard® cards issued in Ukraine and confirmed by bank for participation in the Program can be registered in the Program.

Make sure that it is so (Mastercard® card can be identified by the first number 5****).

Check if the entered data is correct.

It is a separate catalogue Mastercard Bilshe with special premium offers and promo campaigns available to users who have registered at least one card of Platinum, World Black Edition or World Elite level in the Program.

Offers from this catalogue can be received in exchange for points accumulated by cards of Platinum, World Black Edition or World Elite level. Balance of such premium points is shown in personal account separately from point balances in other registered cards.

It is a special offer for users of Mastercard Bilshe Program, during which each user can exchange 10 points for participation and spin the wheel. The wheel of surprises is “prizes-for-all” offer: you can win additional points, certificates, discounts, gifts, and valuable prizes. You can spin the wheel three times a day. The reward cannot be returned or changed.

Maximum amount of one payment by requisits is 999 999 999 UAH.

Maximum amount of one card to card payment is 25 000 UAH.

Transfers on own accounts of a clients are done without any fee

• Transactions performed in CA+ (except utilities and mobile phone top up in CA+);
• Transactions performed using a payment card, MCC code - 6012 (Customer Financial Institution - Merchandise and Services), 4829 (Money Transfer), 6538 (MC MoneySend Funding).

CREDIT AGRICOLE BANK JSC (hereinafter - the Bank) has the right to sale all or part of its rights under the consumer loan agreement, and agreements to ensure the fulfillment of obligations under consumer loans, at any time to any third party without the consent of the Borrower and to communicate to such actual or potential assignee or other person any information about the Borrower and third parties with whom collateral agreements have been entered into that are necessary or deemed appropriate by the Bank.

In case of sale of the right of claim under the consumer loan agreement, the Bank shall notify the Borrower of such fact within 10 working days in one of the following ways: by sending letter, text, voice and other messages by telecommunication, including without involving the Bank's employee, by using software or technology, according to the details specified in the consumer loan agreement, or according to other details received by the Bank in the process of execution of the said agreement.

The notice about sale of the right of claim under the consumer credit agreement shall contain information on: 1) the fact of assignment of the right of claim under the consumer credit agreement; 2) transfer of personal data of the consumer (Borrower); 3) new creditor (name, identification code of the legal entity in the USREOU, location, information for communication - telephone number, address, e-mail address); 4) the amount of debt under the consumer loan agreement, the right to claim which has been assigned.

To obtain the information about the procedure for repayment of the assigned debt, it is necessary to contact the New Lender.

To the attention of CREDIT AGRICOLE BANK clients – private individuals!

Bank draw your attention to the need to properly fulfill the obligations under the loan agreement by complying with the terms of the loan payment schedule. Bank remind you that violation of payment deadlines may lead to the deterioration of your credit history and the application by the Bank of liability under the loan agreement.

In case of financial difficulties to make the next payment within the stipulated period, contact the number (044) 3937654 with Soft Collection Division. The Bank's experts will record your proposals for settling overdue debts, provide qualified advice on how to repay the debt and, if necessary, offer restructuring, change the repayment date or other most effective solution for the client.

The Bank start process of settling overdue debts under consumer credit agreements from the first day of such delay.

Importantly! The Bank's employees are guided exclusively by the requirements established by the current legislation for interaction with Clients, including requirements for interaction with Clients and other persons in settling overdue debts (requirements for ethical conduct), the list of which is defined by the Law of Ukraine.

You can repay existing loans issued in the institutions of JSC "CREDIT AGRICOLE BANK", including repaying overdue loans, through the Bank's self-service terminals, cash desks of any Bank’s branch, cash desks and remote service channels of other banks, or through the mobile application "CA +", downloading it to your smartphone with Android or IOS operating system.

Register and use "CA +" anytime and anywhere *, because this is the easiest way to repay the loan - in just three clicks and without commission. In addition, the use of remote service channels will save your free time.

In "CA +" the Bank's clients can:

• find out the amount of the required payment on the loan or credit card
• repay the next loan payment or make an early loan repayment
• control all account transactions and check the balance
• activate the card or change the PIN code and more.

You can get acquainted with all the features of the mobile application "CA +" on the official website of the Bank www.credit-agricole.ua.

There are additional questions on settlement of overdue debt - call 044-393-76-54.

Download and activate the CA + internet banking application via the iOS or Android operating system: 

Could not register in the mobile application - call 0800-30-5555.

* Under the conditions of access to the Internet.

The procedure for notification by borrowers of JSC "CREDIT AGRICOLE BANK" on the representation of their interests in the settlement of overdue debts by an authorized representative

Dear clients!

Please note that in accordance with the current legislation of Ukraine, consumers of financial services have the right to appoint an authorized representative to represent their interests in the settlement of overdue debt, which must be notified to the bank.

CREDIT AGRICOLE BANK JSC (hereinafter - the Bank) informs that you can notify the presence of an authorized representative in one of the following ways:

• by sending a written notice to the Bank's address: 01024, Kyiv, st. Pushkinskaya, 42/4;

• by submitting a written notice to any branch of the Bank.

The notification must be made in accordance with the Application Form with the obligation to attach the following documents:

1) a notarized copy of the power of attorney, which contains the authority of the representative to represent the interests of the borrower in the settlement of overdue debt on the loan;

2) the original extract from the Unified Register of Powers of Attorney, formed on the date of sending / submitting the notification confirming the validity of the power of attorney;

3) copies of the passport or other document certifying the identity of the authorized representative;

4) copies of the document on assignment of the registration number of the taxpayer's account card (RNOKPP, or TIN) to the authorized representative (if available).

Порядок повідомлення про представлення інтересів eng.pdf

• From June 1, 2022, the bank reduces the mandatory payment amount to 3% for all credit cards and premium packages with a credit limit.

• In accordance with the requirements of the law, fines (fines, interest) are not charged for overdue debt, and an increased interest rate is not applied to untimely (overdue) credit card debt from 07.31.2022, the special terms of service introduced by the bank will cease to be valid for loans, credit cards and premium packages with a credit limit, and from 08.1.2022, all payments that have not been repaid during the validity of the special terms of service and subsequent payments that have not been repaid on time , stipulated by the terms of the concluded contracts, will be considered overdue.

In view of the above, in order to avoid the occurrence of overdue debt after the expiration of the special terms of service, it is necessary to fulfill the payment obligations under the relevant credit agreement.