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ContactCenter@radabank.com.ua
ContactCenter@radabank.com.ua

Loans on payment cards

Convenient and easy loan on the card in the form of overdraft

Loan on the card in the overdraft form

Overdraft is the best and the fastest way to receive money on credit card for their personal needs at any time in case of funds insufficiency on the card account.

Key advantages:

  • Availability;
  • Simple loan processing procedure ;
  • Minimum package of documents;
  • The possibility of using part of the funds.

Key lending parameters

Overdraft on "RADAcard" card

Loan type overdraft
Purpose for consumer needs
Currency UAH
Term up to 12 months (with prolongation option)
Amount up to 50 000 UAH
Interest rate At the customer’s choice:
Overdraft without
a grace period – 30% per annum /
Overdraft with
a grace period of 0,01%
(grace period is 30 days,
after 30 days: interest rate 40% per annum)

Overdraft on payroll card

Loan type overdraft
Purpose for consumer needs
Currency UAH
Term up to 12 months (with the prolongation option)
Amount up to 2 salaries (not over 15 000 UAH)
Interest rate 0,01% (grace period is 30 days, after 30 days: interest rate 38% per annum)

Overdraft on pension card

Loan type overdraft
Purpose for consumer needs
Currency UAH
Term up to 12 months (with the prolongation option)
Amount in the amount of the average monthly pension (not over 10,000 UAH)
Interest rate 0,01% (grace period is 30 days, after 30 days: interest rate 38% per annum)
Age up to 70 years

Overdraft on deposit card

Loan type overdraft
Purpose for consumer needs
Currency UAH
Term no less than 3 months (not over deposit placement term)
Amount 60% from a deposit amount (not over 120 000 UAH)
Interest rate 25% per annum
Repayment order The interest debt amount accrued on the first day of the month
is repaid on the first business day of the month
by debiting funds from the Customer’s account,
incl. from overdraft funds on the account

Attention! In case lack of funds on the card account / overdraft available limit, the payable interest amount is repaid by the Borrower independently, NOT later than the penultimate business day of the month following the reporting month by depositing funds into the card account via the Bank’s cash desk or via the wire transfer.

Advantages:

  • Lower interest rate compared to alternative loan products;
  • Enables you to receive money without deposit agreement termination, keeping their savings (interest on the deposit) at the same time.

Overdraft secured by a deposit

  Deposit in UAH Currency deposit (USD, EUR)
Loan type overdraft
Purpose for consumer needs
Currency UAH
Term term of deposit
Amount 80% of deposit amount
Interest rate from +3% to the deposit interest rate from + 4% to the interest rate of the corresponding deposit in UAH for a year
Commission fee 200 UAH
Guarantee term deposit in RADABANK

Minimum documents package required to process an overdraft

  • Passport
  • Document issued by the state tax authority, which certifies the assignment the taxpayer individual card number to an individual resident
  • Other documents

Need a detailed consulting about the loan on a card?

It is available in any convenient way:

Call to

Contact center*

0 800 500 999

*Free of charge from any phone numbers within Ukraine

Or fill in the feedback form