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Credit «Start»
For owners of salary cards. We open a credit limit to the salary card for free - an overdraft - up to 100% of the salary. You use credit funds and pay off arrears from wages.


You are between 21 and 65 years old


You have been working
in a company that pays
salaries through our Bank
for 3 months
Essential loan characteristics
  • Credit limit
    100% of the salary

    with a certificate of income

    1000 UAH

    without a certificate of income

  • Overdraft amount
    from 500 to 50000 UAH
  • Annual interest rate
  • Grace period
    30 days
  • Annual interest rate in the grace period
  • Credit term
    365 days
  • Early payment
    Without fines
  • Tariffs. Loan package «Start»
Interest is accrued on overdue loans on a daily or monthly basis, the interest rate and the procedure for accrual are determined by the terms of the agreement concluded by the parties pr by the tariffs. Since interest is charged on arrears, the due date of payment for such interest is deemed to have occurred on the day it has been charged. Payment of such interest is carried out by depositing funds to the Client's current account or to accounts for accounting for interest arrears, in accordance with the terms of the agreement concluded by the parties.
Calculate monthly payment
This is an approximate calculation, find out the exact amount
in the Bank.
How to apply for an overdraft


To come to the Bank with the following documents:
- passport,
- personal tax reference number (if any),
- a certificate of income (if needed).


Draw up an application in 15 minutes.


Get a solution in 2 days.


If you overdue the payment of interest for using a loan or payment for the loan itself, you will need to pay the double discount interest rate of the NBU that is in effect during the period for which the penalty is paid, but not more than 15 percent of the amount of the late payment.

The Bank has the right, in the cases specified by the agreement, to demand early repayment of loan payments and compensation for losses caused by the violation of the obligation.

According to the current legislation of Ukraine, in case of delinquency by a client under a consumer loan agreement during the continuance of quarantine established by the Cabinet of Ministers of Ukraine throughout Ukraine in order to prevent the spread of coronavirus disease (COVID-19) in Ukraine, fulfillment of obligations under a consumer loan agreement (including, but not limited to, delays by the consumer in the fulfillment of obligations payments), the consumer is released from liability to the lender for such delay.

The Bank has the right to enter information into the credit bureau / credit register of the National Bank of Ukraine; the client's failure to fulfill obligations under the consumer lending agreement entails the formation of a negative credit history, which can be taken into account by the bank when making a decision on granting a loan in future.

The Bank does not require the client to purchase any goods or services from the bank or similar or related person as a mandatory condition for the provision of these services (except for the provision of banking services package).

The Bank shall make changes to the agreement only by agreement with the client (party to the agreement), unless otherwise provided by the agreement or the legislation of Ukraine.

The client has the right to refuse to receive advertising materials that may be sent to him by means of remote communication channels in future.

The application form for refusal to receive advertising materials is posted at the link in the section “Other”.
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