For example, when opening a credit card account is not required!
But if you came to the bank to exchange currency, and you are offered insurance, you have the right to give it up. The bank has no right to refuse to exchange currency without insurance.
Buy only the services you really need. If you decide to draw up the proposed service, do not rush to sign, carefully examine the terms of the contract with the bank.
Banks have the right to offer their customers services but cannot demand to buy them.
According to Art. 55 of the Law of Ukraine On Banks and Banking, Banks are prohibited from requiring the client to purchase any goods or services from the bank or from a related or related person of the bank as a mandatory condition for providing banking services.
If the Bank introduces unnecessary services to you:
Write an appeal to bank management;
If the situation is not resolved and the bank does not stop the services you refused in writing, contact the NBU.
How can you contact the National Bank of Ukraine:
Write to chat bot "NBU contact center" in messengers (Viber or Telegram);
First, in detail, study the essential terms of the loan that banks publish on their sites, where the general conditions of providing the bank with credit services (type of credit, loan size, currency, etc.) are indicated there.
The individual conditions proposed will depend on the results of the customer's creditworthiness bank assessment.
Second, ask the bank manager for a loan passport.
Credit Passport It is a document that contains the basic terms of the loan, information about the real interest rate, The order of repayment of the loan, additional commissions and payments.
Third, read the credit agreement carefully. Check that additional services and penalties and commissions are included in the loan, subject to early repayment of the loan. Memory;
If a financial institution has violated your rights, contact the National Bank of Ukraine.
How can you contact the National Bank of Ukraine:
Write to chat bot "NBU contact center" in messengers (Viber or Telegram);
Call your contact center 0 800 505 240;
Fill in an online form for appeals on the NBU site
More information Read on #ЗнайСвоїПрава
#ЗнайСвоїПрава
Does the bank have the right to change tariffs?
Yes, but the bank should warn its customers about rates changes at least 30 days. This is the requirement of the Law of Ukraine & Ldquo; About Payment Systems and Money Transfer & RDQUO;
If the bank has not reported a change in tariff (did not place information on the site or not informed by other Channels ), you have the right to demand the refund of the written off.
If not helped, contact the National Bank.
How can you contact the NBU:
Write to chat bot "NBU Contact Center" in messenger (Viber or Telegrams)
Deposit is one of the most common financial products. The deposit provides an opportunity to put money on depisitable account and receive interest. Of course, the deposit, as well as other financial products, should be treated responsibly.
you open a deposit, with stretch:
full interest rate that may vary depending on the deposit period (the longer the term the higher the rate);
Deposit duration;
Having additional commissions;
Terms of Auto Prolongation.
Also with explain the conditions of replenishment of the deposit over the duration of the deposit agreement.
Bank can offer a depositor different conditions of replenishment of the deposit:
Determine the maximum or minimum amount of replenishment;
Set the period during which replenishment can be replenished. For example, the deposit is open for 12 months, and replenishment is possible within the first 8 months from the moment of first depositing funds;
Do not set restrictions on the size and time of replenishment.
Choose a deposit with a convenient way to get interest for you;
Interest may come to your current account monthly or quarterly;
The second option You can leave interest in a deposit account. This is how capitalization happens. That is, you will receive interest on previously accrued interest.
If you have the question of receiving reimbursement of funds on your deposit in case of bankruptcy of the bank and guaranteeing funds in your accounts, contact the Deposit Guarantee Fund: phone: 0 800 308 108, e -mail: fgvfo@fg.gov.ua
If a financial institution has violated your rights, contact the National Bank of Ukraine.
How can you contact the National Bank of Ukraine:
Write to chat bot "NBU contact center" in messengers (Viber or Telegram);
First, the full real value of the loan with all commissions. This information is listed in the consumer loan passport and the essential characteristics that banks publish on their sites.
Essential loan conditions contain the general terms of the bank with lending services but are not a proposal to provide services.
This means that the proposed individual conditions will depend on the results of the bank's credit assessment, conducted on the basis of information received from the client and from other sources if there are legal grounds. Individual loan terms are provided to the client before the consumer credit agreement in the form of a consumer loan passport.
Credit Passport & NDash; It is a document that contains the basic terms of the loan, information about the real interest rate, The order of repayment of the loan, additional commissions and payments.
Second, check if additional services are included in the loan. Read the contract carefully.
Third, pay attention to the nuances. For example, a loan agreement may provide fines and commissions provided early repayment of the loan, despite the fact that the legislation does not contain restrictions on early repayment of credit.
If a financial institution has violated your rights, contact the National Bank of Ukraine.
How can you contact the National Bank of Ukraine:
Write to chat bot NBU contact center in messengers (Viber or Telegram);
you worry that the contribution will not be returned? Do not worry everything will be fine.
In the case of bankruptcy of the Participant of the Deposit Guarantee Fund, the depositor will receive a reimbursement from the Fund within UAH 200,000, except in the cases described in Part 4 of Art. 26 of the Law of Ukraine & Laquo; About the Deposit Guarantee System & Raquo;.
interest on deposits is stopped on the day of the procedure for withdrawing the bank from the market. And in case of adoption by the National Bank of Ukraine, the decision to withdraw a bank license and liquidate the bank, on the day of the decision on withdrawal of a banking license and liquidation of the bank.
If you first enter into an account or deposit agreement, with it the bank must also provide a certificate of the Deposit Guarantee System and further familiarize with it at least once a year.
Non -bank financial institutions are not members of the Fund, that is, your funds placed in them under the guise of a deposit are not guaranteed by the Fund. This, in particular, applies to individuals in credit unions. In case of credit union bankruptcy, depositors may lose their money.
Do you have a question about receiving your deposit refund?
Contact the Deposit Guarantee Fund 0 800 308 108, fgvfo@fg.gov.ua
More information about consumers of financial services Read on #ЗнайСвоїПрава
You are denied credit and you don't know why?
The problem can be in your credit history.
Credit history & ndash; This is a dossier about all current and paid loans of the borrower, which contains information on how conscientious and time the debt was repaid.
You can check your own history at the credit bureau. Ukraine has registered seven bureaus of credit stories, of which active market participants are now five PJSC International Credit Bureau and LLC Online Bureau of Credit Stories.
Under the calendar year, you can get your own loan records for free. All subsequent appeals will be paid throughout the year.
Нou can join SMS-information and be aware of any event about credit history. This service helps prevent accidental delay and protect yourself from fraud but it is paid.
Who has access to credit history?
Owner of Credit History.
institutions that have appropriate consent from the owner.
Why check your credit history?
This will first and foremost evaluate your chances of getting a loan.
Before issuing a loan, financial institutions check the credit history of a potential borrower.
This allows a financial institution to understand how honestly a person will fulfill the obliged
Based on bad credit history, the Bank can refuse potential client in issuing a loan, despite good income.
What do creditors pay attention to?
primarily & ndash; on a delay in credit.
but the lack of loans also matters.
It is important for the lender to know if a potential customer is an active user of credit services.
Since in the absence of credit history to the lender is difficult evaluate how a person will handle credit load.
Identify the fact of fraud.
If it turned out that someone has made a loan on you, you should contact the law enforcement agencies appropriately.
identify and correct inaccuracies or irrelevant information in credit history.
What to do if you have found false information in your credit history?
Contact a financial institution that provided such information demanding to update data.
Contact your credit bureaus and report a mistake in credit history. For its part, credit stories will contact the financial institution that submitted such information to clarify data.
If a financial institution has violated your rights, contact the National Bank of Ukraine.
How can you contact the National Bank of Ukraine:
Write to chat bot "NBU contact cente" in messengers (Viber or Telegram);
The Deposit Guarantee Fund will not only be deposited! You will not lose money on the account either!
Each depositor Guarantee of Deposits of Individuals guarantees reimbursement of funds raised by a bank from a depositor (or received for a depositor) on terms:
Bank Deposit Agreement (Deposit);
bank account;
through issuing a noun deposit certificate.
Fund guarantees reimbursement of funds that were raised by the bank in cash or non -cash form in national or foreign currency.
Guarantees extend to individuals, including individual entrepreneurs.
Deposits attracted by a bank in foreign currency takes place in UAH at the NBU's official exchange rate on the day of the bank withdrawal from the market.
Each depositor in each bank Fund reimburses funds in the amount
200 000 UAH & ndash; The maximum amount of compensation, regardless of the number of accounts in one bank.
It is also worth knowing that the fund does not refund the funds:
By deposits in branches of foreign banks;
on deposits in banking metals;
placed in accounts under arrest by court decision;
legal entities;
A complete list of such cases here: https://surl.li/ptlw
Do you have a question or are you guaranteed in your accounts?
Contact the Deposit Guarantee Fund & ndash; 0 800 308 108, fgvfo@fg.gov.ua
#ЗнайСвоїПраваThis is an information campaign that is aimed at improve citizens' awareness of rights and duty
MTB Bank is a partner of the National Bank of Ukraine and the Commissioner of the Verkhovna Rada of Ukraine in the information campaign and tells the Ukrainians who they have the rights and obligations
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