FAQ

• Consumer loans
  • Can I apply for the second loan?
    Yes, you can. Besides, Clients with a good positive credit history of at least 6 in Platinum Bank get a cash card as a present on special terms.
  • How long will it take to obtain a loan?
    The loan decision is taken in 20 minutes.
  • Where can I make monthly payments?
    Monthly payments can be made at any branch of Oshchadbank OJSC, Pravex-Bank JSCB, Raiffeisen Bank Aval OJSC, CredoBank OJSC, ProCreditBank CJSC, UkrEximBank OJSC, UkrSotsBank JSCB, UkrSibBank JSICB or at Ukrposhta offices.
  • What goods can be purchased on credit?

    You can purchase various household appliances, construction materials, computer hardware, mobile phones, interior items and many other things. You can buy on credit any and all goods sold by our partner shops.

  • What documents are required to obtain a loan?
    To obtain a loan, you need to provide your passport, TIN certificate, personal income statement (if any).
  • How long is the loan repayment period?
    Consumer loans are disbursed for a period of 10 to 36 months.
  • What is the possible loan amount?
    Within the framework of the consumer lending program, you may obtain a loan of UAH 500 to 15 000.
  • Where can I apply for a loan?

    Visit any Platinum Bank POS in your city. You can find the nearest POS by clicking here. Our consumer lending manager will be glad to inform you about our products and services. Make sure you have your passport and your TIN certificate with you. Our sales representative will lead you through the application filling out and loan agreement signing process.

• Cash loans
  • Where can I apply for a loan?

    Visit any Platinum Bank POS in your city. You can find the nearest POS by clicking here. Our consumer lending manager will be glad to inform you about our products and services. Make sure you have your passport and your TIN certificate with you. Our sales representative will lead you through the application filling out and loan agreement signing process.

  • What is the possible loan amount?
    You may get a loan of UAH 1 000 to 4 300.
  • How long is the loan repayment period?
    Cash loans are disbursed for a period of 20 months.
  • What documents are required to obtain a loan?
    To obtain a loan, you need to provide a passport, TIN certificate, personal income statement (if any).
  • What goods can be purchased on credit?
    You may acquire a no-purpose loan for education, treatment, recreation or for any other need.
  • How long will it take to obtain a loan?
    The loan decision is taken in 30 minutes.
  • Where can I make monthly payments?

    Monthly payments can be made at any branch of Oshchadbank OJSC, Pravex-Bank JSCB, Raiffeisen Bank Aval OJSC, CredoBank OJSC, ProCreditBank CJSC, UkrEximBank OJSC, UkrSotsBank JSCB, UkrSibBank JSICB or at Ukrposhta offices.

• Deposits
  • How often is the interest on deposit paid?

    Can I receive it during the agreement validity period? Is the interest capitalized? The interest on all deposits is accrued on a monthly basis, and you can withdraw it from your current account at any time. Presently, we do not offer the product with interest capitalization.

  • Can time deposits be replenished?

    You can replenish your deposit at any convenient time at our bank’s nearest POS.

  • How long is the deposit period?

    We receive deposits for the terms of 14 days to 18 months. You can make deposits for any term, even for 1 day, if you have chosen the On Request Deposit.

  • What documents are required to open a deposit?
     To open a deposit, you need to have a passport and TIN certificate with you.
  • Where can I open a time deposit?
    You can open a deposit at any of our POS’s.
  • What deposit return guarantees are provided?

    You have to assess reliability of the bank before you place a deposit. Analyze the major economic figures indicators of the bank, special attention being paid to liquidity. Estimate the shareholding structure and find out if the bank is a member of the Individual Deposit Guarantee Fund. Platinum Bank has the best liquidity figures in Ukraine: the current liquidity level is 753,7%, with the NBU norm of at least 40%, the bank capitalization is 4 times higher than the NBU norm and equals to 39,2%.

• Accounts
• Repay a loan
  • What happens if I fail to make my monthly payment on time?

    Your monthly payment date is fixed in your loan agreement, should you fail to pay on the stated date, a past due payment on your loan appears. Under your loan agreement, a penalty is charged per each day of delay after the monthly payment date. In this event, you have to use all efforts to make the loan payment as soon as possible to reduce the late payment fee.

  • What happens if I leave and cannot make a loan payment, can anyone else do it?

     Any person can make your monthly loan payment at your request. It is important that in any case you are responsible for making your loan payments in a timely manner.

  • What happens if I stop making loan payments?

    We understand that a number of factors may result in difficulties in making your loan payments. Please keep in memory that the bank granted you a loan for a definite period of time fixed in your loan agreement. If, for some reasons, you stop making monthly payments and you did not repay the loan to the bank in full, we strongly recommend you to resume payments at the earliest opportunity. It is important to realize that when you do not make monthly payments, the penalty is charged on your loan, and your next payment will have to include you monthly payment and the charged penalty amount. If you do not resume the loan repayment, your loan will become a problem loan, and the bank has the right to enforce collecting the debt.

  • What will happen if I have loan arrears, but I have to apply for another loan at the other bank?

    Credit Bureaus are active on the Ukrainian banking market. With a borrower’s consent, all information on loans given to a person is stored at such Bureaus. There is a possibility to learn from this database if a borrower is disciplined to make monthly payments on time, if there are loan arrears, regardless of the bank that disbursed the loan. Accordingly, the loan arrears will affect you credit history. You will not be able to obtain another loan at other banks, since the data on your loan debt will be accessible for banks – Credit Bureau members. At the same time, a good credit history provide you significant advantages, as you will be able to get more favourable terms at your bank and can be sure that other banks will also be interested in you as in a reliable client.