Payment cards in PJSC Alfa-Bank
PJSC Alfa-Bank
Recipient’s sort code: 300346
EDRPOU^[1]: 23494714
Account No.: 2924701
Purpose of payment: “Replenishment of Card Account 2625… Full name”

Deposit accounts with PJSC Alfa-Bank:
Sort code: 300346
Customer’s TIN^[2] - 10 digits
Name: PJSC Alfa-Bank
Account: 2630 …/ 2635 …/ 2620 …
Purpose of payment: “Replenishment of Card Account 2625… Full name”

Current accounts with PJSC Alfa-Bank:
Sort code: 300346
Customer’s TIN - 10 digits
Name: name of the organisation (if the recipient is a legal entity) or recipient’s full name (if the recipient is an individual/private entrepreneur).
Account: 2620 …
Purpose of payment: “Replenishment of Current Account 2620… . Receiving organisation’s name / Recipient’s full name; purpose of effecting a payment”Payment details for money transfers in foreign currency, US dollar/Euro: https://alfabank.ua/upload/popoln.pdf

You can find the agreement and supplements thereto on the Bank’s website:

https://alfabank.ua/en/private-persons/pakety-uslug/tarifi-ta-umovi

https://alfabank.ua/en/private-persons/credits/cards/tarifi-ta-umovi-3

- your memorable word
You should visit the Bank’s branch to complete an application (you have to have your passport and card)

- e-mail for receiving statements
You should visit the Bank's branch/ICC^[1] (you have to have your passport and TIN)

- full name / registration address / passport details
You should visit the Bank's branch (you have to have your passport and TIN)

- residence address
You should visit the Bank’s branch/ICC to complete an application (you have to have your passport and your card)

- telephone number
You should call in the contact center, Alfa-Bank Ukraine or visit the Bank’s branch/ICC to complete an application (you have to have your passport and TIN)

- telephone number in the My Alfa-Bank online banking service
You should call in the contact center, Alfa-Bank Ukraine or visit the Bank’s branch to complete an application (you have to have your passport and TIN)

PJSC Alfa-Bank cooperates with Credit Reference Bureaus which are officially registered on the territory of Ukraine.
Now these are:
- Ukrainian Credit Reference Bureau
- First all-Ukrainian Credit Reference Bureau
- International Credit Reference Bureau
You can obtain information about your credit history and find out how to clear it directly from the Credit Reference Bureau.

You can find the Agreement on the Bank's website:  https://alfabank.ua/upload/Public_Agreement_Complex.pdf

You can find the Annex on the Bank's website: https://alfabank.ua/upload/plat_card_ukr.pdf

Participation and servicing in the MAXI electronic money system: https://alfabank.ua/modules/pages/upload/files/MAXI.pdf

MAXI’s contact details:
0 800 50 30 36 - MAXI’s Contact Centre (24 hours)
3131 (short number for sms). Sms are charged for under the Customer’s tariff plan
text “bonus” is sent to find out the amount of bonuses available;
text “Partner’s name” (for example, TNK) is sent to find out the bonus/discount offer by this or that partner
http://maxicard.ua/ is the official website

Customers can view the amount of bonuses available to them under the MAXI programme on their personal page in My Аlfa-Banк.
The MAXI bonus account is presented in the card activated in MAXI as follows:
bonus account number 8030хххххххх,
amount of bonuses available in the balance line.

For service packages: https://alfabank.ua/private-persons/pakety-uslug/tarifi-ta-umovi
For credit cards: https://alfabank.ua/private-persons/credits/cards/tarifi-ta-umovi-3

Payment cards in PJSC Alfa-Bank
PJSC Alfa-Bank
Recipient’s sort code: 300346
EDRPOU: 23494714
Account No.: 2924701
Purpose of payment: “Replenishment of Card Account 2625… Full name”

Please, report your credit or debit card lost or stolen to Alfa-Bank by calling our Contact Centre: 0 800 50-20-50; for calls from abroad: +38 (0462) 616-111 or write to us by e-mail: ccd@alfabank.kiev.ua. 

If you have forgotten your PIN, you are recommended to apply for a replacement card. For replacement of your card, please, call Alfa-Bank's hotline on 0-800-50-20-50 or visit the Bank’s branch and complete a card replacement application (You should have your passport and TIN).

You can change you PIN at the nearest ATM of Alfa-Bank by selecting the Other operations button. This service is charged for under tariffs of your payment card.

You can use the Card-to-Card money transfers service:

• through the website of Alfa-Bank (start page => upper corner):

• through MyAflaBank (in case the advanced functionality is available) – on the main page 

• through our partner systems – Portmone, Ipay.ua, easypay.ua, plategka.com
• through moneygo.com.ua (Alfa-Bank’s hotline numbers are specified)

You can view the balance on your card on the main page of the My Alfa-Bank online service. You can always obtain updated information:
• 1. By sending a text message from the telephone number registered when executing your card to number 3344 with the text XXXX, ХХХХ – the last 4 digits of your payment/credit card https://alfabank.ua/feedback.
• 2. By using the IVR when calling Alfa-Bank’s Contact Centre on 0-800-50-20-50.
If you call from the registered with the Bank mobile phone number to check your payment card balance, you can just tell/enter the 4 last digits of your card number.

You can view all operations through your card in the My Alfa-Bank service using the Statement button 
You can also obtain updated information about your card account:
• 1. By connecting to the Alfa-Cheque service: you will receive on your mobile phone an SMS on any operation through your card account, thus you can follow any changes in your account balance (both crediting and debiting)
• 2. By sending an SMS to number 3344 with the text TRAN+XXXX, where ХХХХ are the 4 last digits of your card number

The Alfa-Cheque service (m-banking) makes it possible for you to:
• receive an SMS on any operation on your card account to your mobile phone; the number of SMSs is not limited;
• follow any changes in your account balance (both crediting and debiting);
• control the debit amount when withdrawing money from ATMS or using POS-terminals, etc.;  
• control the absence of unauthorised write-offs from your card.

You can connect to the SMS-notification service in the My Alfa-Bank system. For this you have to:
1) Press the Services button and select Activate SMS Alfa-Cheque;
2) In the pop-up window enter the telephone number where you want to receive SMS-notifications and press the Next button;
3) A validation code is sent in a text message to your mobile phone number specified when connecting to the service;
4) You will receive a one-time SMS-password, you should enter it as additional identifier and confirm connection to the SMS-notification service by pressing the Confirm button.
Apart from that, you can make a request to be connected to the SMS-notification service by the Bank’s specialists using the My Alfa-Bank service. For this you have to write a request for connection to the service in the Ask a specialist service. In the letter you have to specify your telephone number and the last four letters of your payment card.
Also you can call Alfa-Bank’s hotline (0-800-50-20-50, 24 hours) and apply for connection or basing on you written application completed in a bank branch of Alfa-Bank. You should have your passport and payment card with you.

To disconnect from the M-banking service, you have to complete an application in a bank branch of Alfa-Bank. You should have your passport and payment card with you.

Profitable safe is a special purpose account aimed to save funds and get additional income as interests accrued on the account balance. The funds held in the Profitable safe are kept with increased security as they are not available for withdrawals directly; such funds can be withdrawn after transferring them to the main card account. The more funds are held in Profitable safe, the higher your incomes are.

The Profitable safe rates are established in the tariffs on the Bank’s cards: https://alfabank.ua/private-persons/pakety-uslug/tarifi-ta-umovi

- Using the online service:  
• Press the From Profitable safe / To Profitable safe buttons;
• Enter the amount you with to move to / from the Profitable safe account:


• Enter the confirmation code you will receive on your mobile phone in a text message.

- Using an ATM of Alfa-Bank:​
• Select in the menu Money Transfer – Profitable safe – From Profitable safe / To Profitable safe;
• Enter the amount to be transferred and confirmation of this operation.

Profitable safe operates in on-line mode with Ukrainian hryvnia. When carrying out a transfer through a foreign currency card, the operation is processed under the payment procession schedule of the My Alfa-Bank service:

When the card is replenished from Profitable safe, the card balance will be updated online (you can pay with your card right away) and the Profitable safe account will be updated in 30 minutes. For cards in hryvnias, the foreign currency will be transferred according to My Alfa-Bank payment processing schedule:

When the Profitable safe is credited from the main card account, the funds are credited online. Meanwhile, the funds are displayed in the statement on the next business day (if the transaction was carried out by 21:00). The interest is accrued from the date of display in the statement.
The Profitable safe account is debited upon transfer of funds to the primary card account online. Meanwhile, the statement will display the transaction on the next business day.

To carry out transactions on the Internet, you have to disable the CVV2 code verification on the payment card.

CVV2 (Card Verification Value 2) is a three-digit or a four-digit code designed to verify the card in Visa payment system (or a Card Validation Code 2 (CVC2) for MasterCard Worldwide payment system cards). The code is indicated on the reverse side of the card, on the strip for the holder’s signature, or after the last 4 digits of the card number. It is used as a protective element for settlements on the Internet. Enabling of CVV2 verification reduces the risk of illegal transactions with the card, namely unauthorized debiting of the card account.

To disable the CVV2 code in My Alfa-Bank system, you have to select:
1) "Services" - "CVV2 verification".
2) The pop-up window prompts you to select a card for which you wish to enable/disable CVV2 verification. After selecting a card, press "Yes".
3) A window will appear, where you should select "Disable CVV2 verification”.
4) A text message with a verification code will be sent to you to the mobile phone number specified by you when activating the service.
5) You get a one-time SMS password, enter it as an additional identifier, and confirm change of the CVV2 code activity by clicking "Confirm" button.

DCC, Dynamic Conversion Currency, is a service provided by international payment systems to acquirers (banks servicing merchants that accept payment cards) and enabling merchants to nominate the transaction amount to the customer in the currency of the card issuer’s country.

The idea is to show the customer the amount of a transaction in a familiar currency, i.e. the currency of his/her country. Still there are some peculiariaties to be aware of. Firstly, this functionality used to carry out a  transaction allows the acquiring bank to charge a fee (understating the conversion rate), which the customers often do not know about; and secondly, such a transaction is commonly accompanied by a double conversion, which also leads to additional costs, as the payment system rate is usually different from the commercial rate of the card issuer. The fee depends on the pricing policy of acquiring banks. The common fee rate ranges from 3 to 7% of the transaction amount.

Firstly, you should always follow a simple rule running as ‘avoid conducting transactions in the national currency when outside the country’, no matter how strongly it might be advised or how tempting it might look.
Secondly, according to the payment system rules, the acquiring bank must obtain the customer’s consent (signature on the check) to use this functionality, so you must be careful.

Also, we would like to draw the customers’ attention to the increased number of transactions conducted with payment cards through multinational companies, which are present in Ukraine, however do not have their representative offices in Ukraine. The peculiarity of such transactions is also a double conversion faced by the customers. The reason is that these multinational companies are able to provide services, selling goods on the territory of Ukraine and nominating their value in local currency, while during settlements, this transaction is usually billed by a retail point of such multinational company from abroad (an analogue to DCC)

A merchant abroad does not need hryvnia, therefore, when settling with the payment system, the amount you heard in the national currency will be converted to the amount of settlement with the IPS (US dollar/euro), and the amount in the settlement currency (US dollar/euro) is billed to the card issueras a payment claim (at the IPS rate). When the issuer) receives an amount in US dollar/euro and sees that the transaction currency does not match the currency of the cardholder's account, the bank must conduct the currency conversion to correspond the customer's account currency. The conversion is carried out at the commercial rate of the issuing bank ruling on the date it receives the transaction from the IPS.

The customer must know it and, where possible, use a foreign currency card for such transactions, thus avoiding the double conversion.

When carrying out a transaction in currencies other than the currency of your account, the amount blocked for this transaction and stated the respective SMS on this transaction may be 5 to 10% higher than the actual cost of the goods due to fluctuations in the hryvnia exchange rate against other currencies.
This mechanism was introduced by the Bank to quickly adjust the transaction amount to the fluctuations in the currency market in order to avoid currency risks. It is primarily convenient for customers, since you do not have to continuously monitor the available balance on your account and worry about unauthorized write-offs from your account.

For such transactions the amount is recalculated into the account currency as follows:
- The payment system converts the transaction amount into the currency of settlements with the Bank (US dollar, euro) at the rate established by such payment system on the date of settlement with the Bank (the amount of funds blocked on the Customer’s account is equal to the cost of goods + 5 to 10%)
- Then the Bank converts the resulting transaction amount into the currency of the Customer's account currency at the Bank’s commercial rate on the date it receives this transaction from the merchant and IPS, and transaction reflection on the Customer's account (usually 2 to 3 days after the transaction date), the previous lock is released, and the transaction is displayed on the Customer's account.

When paying in the currency other than the card account currency, the amount is converted at the rate of the international payment system in the US dollar/euro (these rates are presented at official websites of the international payment systems). The amount is immediately locked in UAH at the Bank’s commercial sale rate applied to the payment cards established on the lock day. After 3 to 4 business days, the account is debited at the commercial sale rate of the Bank applied to payment cards established on the debiting date. This rate is available at the home page of Alfa-Bank website in the Payment Cards tab of Exchange Rate window at https://alfabank.ua/en

This schedule is available at https://alfabank.ua/upload/Public_Agreement_Credit_cards.pdf

This information is available at https://alfabank.ua/private-persons/credits/cards/tarifi-ta-umovi-3

The details of the credit card repayment channels are provided at https://alfabank.ua/about/kak-pogashat-kredit

If you have any other questions, you can check the information by:
- calling 3344. The service is available  24 hours for calls from Kyivstar, MTS, Life, and Vodafone operators. The price is UAH 2 including VAT, without PF for the entire call
- calling on Skype ( 24 hours, toll-free)

https://alfabank.ua/feedback

To make Skype calls, you should:
1) Download and install the Skype app.
2) Make sure that your computer (laptop) is connected to the Internet.
3) Click Skype icon on the Bank's website in the section of your interest or on your My Alfa-Bank page to communicate to the bank employee.

- calling the Contact Center on 0-800-50-20-50 ( 24 hours, toll-free from landline phones)

You can get a receipt for your payment at any Alfa-Bank branch; you have to have the original passport and your card. You can also visit an Ukrposhta branch, take a blank receipt template for payment and fill it out yourself, specifying the required details for credit card repayment.

The Grace period is the time during which the Bank enables you to use a credit card for payments in trade and service network at a reduced interest rate of 0.01%. This rate applies only upon full repayment of the debt outstanding as at the end of day of the card settlement period. The 1^st grace period begins on the date of entering into agreement. All subsequent grace periods begin on the next day after agreement execution every month. The grace period is specified in your card tariffs.

The mandatory minimum payment is a monthly payment (7%, or at least UAH 50) for use of your credit card , which is to be paid by a certain date.

The decision to increase the credit limit is made by the Bank unilaterally, given your credit history. This decision is reported to you by SMS.

You can view the terms of opening and interest rates on deposit programmes at the Bank's website at https://alfabank.ua/private-persons/deposits.

If you have additional questions about the terms of deposit registration, you can:
- Call Alfa-Bank’s hotline on 0 800 50 35 30 (08:00 to 22:00);
- Call on Skype (from 8:00 to 22:00, toll-free).

To make Skype-calls, you should:
1) Download and install the Skype app.
2) Make sure that your computer (laptop) is connected to the Internet.
3) Click Skype icon on the Bank's website in the section of your interest or at your My Alfa-Bank page to communicate to the bank employee.

- Call the short number 3344 from your mobile phone (from 8:00 to 22:00).
The service is available  24 hours for calls from Kyivstar, MTS, Vodafone, and Life operators. The call cost is UAH 2, including VAT, without PF for the entire call.

https://alfabank.ua/upload/Public_Agreement_Complex.pdf

To open a deposit in My Alfa-Bank, click Make a Deposit button in the Deposits section, select the type of deposit.

and confirm the transaction by code sent to the mobile phone number specified in My Alfa-Bank.

You can get the acceptance at any branch of the Bank by producing your passport and TIN, and the branch employee will print the acceptance and endorse the same, after which you can receive it.

To get an interest and the deposit amount, you can specify any card account opened with Alfa-Bank in the deposit currency (at your discretion).

To change the account of interest receipt on the deposit open in MAB, you should contact the Bank branch to write an application. You should have a passport and TIN at hand.

For early termination of deposit opened in My Alfa-Bank you can visit any branch (You should have your passport and TIN).

Today, Alfa-Bank offers a diverse line of credit products, i.e. cash loans, credit cards, and consumer loans.

To get more information about credit products, visit the official website of Alfa-Bank at https://alfabank.ua/private-persons/credits

If you have further questions about the credit conditions, you can:

- Fill out an application at Alfa-Bank website by clicking on:
https://alfabank.ua/private-persons/credits/cash - for cash loan receipt;
https://alfabank.ua/private-persons/credits/consumer - for consumer loan receipt;
https://alfabank.ua/private-persons/credits/cards/maksimum-gotivka - for credit card receipt;
After you fill out the application, Alfa-Bank employee will contact you for a more detailed advice on the terms and conditions of your preferred credit product, and will appoint your visit to Alfa-Bank branch for of a loan/credit card issue at any time convenient to you.

- Call Alfa-Bank’s hotline on 0 800 50 35 30 (08:00 to 22:00, toll-free calls from landline phones)

- Call the short number 3344 from your mobile phone (from 8:00 to 22:00). The service is available for calls from Kyivstar, MTS, Vodafone, and Life operators. The call cost is UAH 2 including VAT, without PF for the entire call.

- Call on Skype (from 8:00 to 22:00, toll-free)

To make Skype-calls, you should:
1) Download and install the Skype app.
2) Make sure that your computer (laptop) is connected to the Internet.
3) Click Skype icon on the Bank's website in the section of interest to you or at your My Alfa-Bank page to communicate to the bank employee.

You have to make payments to redeem your loan monthly according to your repayment schedule specified in the loan agreement. Still, you can deposit money to the account ahead of schedule, and Alfa-Bank will debit this amount to repay your debt on the due date.

You can get information about the loan agreement status:
1) on your personal page at My Alfa-Bank in Loans section
2) by sending sms from the phone number recorded when applying for a loan to number 3344, specifying your loan contract number in the text;
3) by using the voice menu when calling Alfa-Bank’s Contact Center at 0-800-50-20-50. To check the Loan Balance in the automated services, the customers can call the loan contract/passport number or enter these data using the buttons.

The detailed information about the channels and timing of loan repayments is available at page

You can use Repay the Loan Online service, which is available at the Bank official website (in the Online Services section). The repayment is carried out from the cards of any bank in any currency (including foreign banks’ cards). The currency of debiting the card is hryvnia. Alfa-Bank does not charge a fee for repayment.

After clicking on Go to Payment, you see the list of cards available for loan repayment:

- from the customer’s cards indicated in the dropdown list;
- from another bank’s card (including the foreign one) by selecting "Other Cards"
Important! If you select "Other Cards", you cannot replenish the account with cards issued by Alfa-Bank.

Attention! You can make a payment via My Alfa-Bank using the cards issued by Ukrainian banks or Visa International/MasterCard International payment systems (MasterCard Electron/Cirrus cards are not accepted in the system). The account currency and the repayment currency is hryvnia.
Before the transaction, please, check your card compliance with the above requirements.
If you repay the loan via My Alfa-Bank by the card of another bank, please, click on Go to Payment , and select By Another Card in the resulting list.
Enter the following data in the opened window:

- Card number from which the repayment is made;
- Card expiration date (month and year);
- CVV-code of the card from which the payment is made (the code is displayed on the back of the card, the last three digits on the white card strip), This code must be entered on the right side in CVV line.
- Card holder (in Latin letters, as indicated on the card used for payment);
- Amount of payment in hryvnias.

Click on Pay  to make a payment.
See the detailed information on the loan maturity 

When repaying through self-service terminals, your money will be credited to the credit account in the bank on the second business day, excluding the payment date, and when the repayment is made on a non-banking day, the money will be credited to the credit account on the third banking day following the last non-banking day.
When you make a payment on the loan through the other banks, the money will be credited to your bank account within 3 to 5 banking days.
Upon repayment through Ukrposhta branches in cities, the funds are credited within 3 banking days, and through branches in rural areas, within 5 banking days.
See the detailed information on loan repayment channels 

The next day after payment under loan agreement, you will receive a text message confirming that the funds are credited to your account. Also, you can check the information about crediting of funds for loan repayment:
1) on your personal page at My Alfa-Bank, using the Payment History link
2) by sending sms to short number 3344, indicating the contract number in the message text;
3) in the voice menu when calling Alfa-Bank Contact Center at 0-800-50-20-50. In the automated services, to check the Loan Balance, the customers can call the number of the loan contract/passport or enter the data using the buttons.

Yes, if any regular repayment amount exceeds the required payment, the Bank will accept the difference as the principal repayment. This means that the sum of all future monthly payments will be reduced as a result of recalculation of the current loan balance. When the amount of payment is greater than indicated in the schedule, the monthly repayment obligations shall remain valid until the contract closing date.

When repaying the loan by greater amounts, such amounts are credited to redeem the outstanding loan amount.

You have to visit our branch, fill out an application, and choose the way you want to receive your money (on the card or over the counter)

To close the loan, you have to:
1) Clarify the amount needed to close the loan in any if the following ways available to you:
- On your personal page at My Alfa-Bank in Loans section;
- By sending sms to short number 3344, specifying the contract number in the text;
- In the voice menu when you call Alfa-Bank Contact Center at 0-800-50-20-50. In the automated services, to check the Loan Balance, the customers can call the number of the loan contract/passport or enter the data using the buttons.
2) Pay the amount to close the loan via any repayment route provided for by Alfa-Bank.
To view the loan repayment channels, visit the Bank's website 
Please, note that if you have enough money for full loan repayment, the contract is closed automatically on the nearest maturity date according to the schedule.
4 days after official closing of the Loan Agreement, you will receive SMS from the Bank confirming this fact.
The closure details will also be displayed at My Alfa-Bank in the Closed Contracts 
Also, you can get certificate on the loan closing, when required.

In order to terminate the insurance contract, you should visit the office of your insurance company and conduct a termination procedure.
You should have your passport and insurance contract at hand.
The insurance company will pay you a compensation, the amount of which depends on the number of days of insurance policy use.
The compensation procedure depends on the loan agreement status (availability of arrears).
Please, note that during loan repayment, you have to keep to the payment schedule established to you, despite the planned termination of the insurance contract.
The loan must be repaid monthly prior to the specified date in the amount not less than provided for by the payment schedule.

https://alfabank.ua/upload/dkbo_mab.pdf

To register a new user in the online banking, you must go to the official website of Alfa-Bank (alfabank.ua) and proceed to the start page of online banking (https://my.alfabank.com.ua/login).
A new user can be registered via the Internet page for a browser only, but not through the mobile application for smartphones, "Alfa-Mobile"!
Before the first use of online banking, go through a quick registration process for a new user by pressing the "New user" button:

In the window, enter the your contract details:

Registration details:
1. One of the options to choose from:
   • contract number (card, credit, deposit and current account) consists of 9 digits and begins with 400 ..., 49 ..., 50 ..., 59 ..., 80 ..., 70 ...      (depending on the loan type)
   • account number (card, credit, current and deposit) - consists of 14 digits and begins with 26 ...... (the further  combination   of digits          depends on the customer’s account)
   • card number (for payment cards only), consisting of 16 digits
2. Your date of birth
Next, put a mark and click OK 

IMPORTANT!!! If the date of birth or the contract/account number is entered incorrectly more than 3 times in a row, your access to the online banking will be blocked.
During the registration process, we suggest using the tooltips appearing when you hover on a symbol 

In the following form, enter your username and password (please, note the requirements for passwords and logins, i.e. the number of characters must be min 5, the username and password should contain Latin letters, symbols and digits).
In the next line, re-enter your password to confirm.
Also, you must indicate your e-mail address to receive information on the loan and the mobile phone number to activate the registration and prevent unauthorized active transactions.
Attention! To get registered, you must provide a telephone number of a Ukrainian mobile operator.
During the active transactions in the online banking, SMS with the transaction confirmation code is sent to the phone number of a Ukrainian mobile operator only.

After product registration, the system functionality will become available for activation during a business day after your application is confirmed in the System. Once the application is processed, the information window will appear on your personal page with a hyperlink to Activate the Service 
To activate the service, you should:
• Go to Activate the Service.
• Click on Request the Code 
• Enter the SMS code in the appropriate field 
• Press 
After successful activation of the User’s Payments service, you will see an information box confirming the connection in the upper right corner of your page.

After that, you will be able to make payments in the Internet banking.

To change the password in My Alfa-Bank, you have to go to Settings  on your personal page and change the password in the window using Change Password link 

You can find the system tariffs in Schedule 8 to the Contract, My AlfaBank System Services, which is available at the Bank's website at https://alfabank.ua/upload/dkbo_mab.pdf

The system limits can be found in Schedule 8 to the Contract, My AlfaBank System Services, which is available at the Bank's website at https://alfabank.ua/upload/dkbo_mab.pdf

1. My Alfa-Bank allows Alfa-Bank customers to carry out the transactions in the territory of Ukraine only.
2. Payments in foreign currency are possible between accounts of the same customer only.
3. The loan can be repaid via My Alfa-Bank using the cards issued by Ukrainian banks and Visa International/MasterCard International payment systems only (MasterCard Electron/Cirrus card are not accepted in the system). Account currency and repayment currency is hryvnia.
4. Transfer of funds to WebMoney purse (purse replenishment) is possible only from cards issued by Alfa-Bank in the national currency and in US dollars, but the purse currency must be hryvnia only.
5. Transfer of funds from WebMoney purse (money withdrawal from the purse) is possible only to card accounts opened in Alfa-Bank in hryvnia. This purse currency should be hryvnia.
6. Alfa-Bank PJSC works only with WebMoney purses in hryvnia (WMU-purses).
7. My Alfa-Bank does not allow the following transactions with WebMoney purses:
- WebMoney purse replenishment from cards issued by other banks;
- Purse replenishment from deposit and current accounts of Alfa-Bank;
- Cash transfer from the purse to the cards issued by other banks;
- Cash transfer from the purse to current and deposit accounts in national and foreign currencies.
8. My Alfa-Bank does not provide for deposit opening for the benefit of third parties, in the name of other individuals, in the name of minors and juveniles.
- The deposit cannot be opened online by a minor (even with Alfa-Bank debit card).
- Deposit cannot be opened from the debit card with a current overdraft.
- The funds can be transferred on deposit from the card account of the Depositor’s debit card opened with Alfa-Bank PJSC only.

To change the contact phone number/e-mail address in My Alfa-Bank, you have to visit the Bank branch to write an application on data change. You should have a passport (original).
The addresses of all Alfa-Bank branches can be found at https://alfabank.ua/map/.

In order to pay for the mobile operator’s services, use the New Payment link  and choose the mobile operator to be paid in the Payment for Services section. 

In the window:
Enter your mobile phone number 
To confirm the number, press 
In the window, enter the desired amount of replenishment 
Confirm the transaction by SMS sent to your mobile phone number, which you used when connecting to the online app.

Payment of utility bills in Kyiv, Odesa, and Lviv. My Alfa-Bank allows the inhabitants of Kyiv, Odesa, and Lviv to pay the utility bills of the following organizations:

1. To pay the utility bills:

2. Go to the New Payment  or to the Payments/Transfers tab.
3. Select the banner of the organization the services of which you want to pay for Enter the details required to make a payment using the tips appearing when you hover the mouse pointer on the appropriate field to be filled in.
5. To confirm your entry, press
6. Confirm the transaction by SMS code sent to your mobile phone number.
Payment of utility bills in other regions. To pay the utility bills in the other regions, you should:
1. Go to the New Payment
2. Select the banner 
3. When using the banner By Details, you will have to enter all the details to perform the transaction on your own.
4. When you set the italics in one of the fields to be filled in, you will see the tips for correct field entries. When paying the utility bills through the banner By Details, you have to check out the payment details of the organization to which you want to transfer the funds, and whether the organization accepts payments received through online apps. That is, before you make a payment, you should clarify all the information in the organization, to the accounts of which you transfer the funds.
5. To confirm your entry, press 
6. Confirm the transaction by SMS code sent to your mobile phone number.

To transfer the funds to another bank’s card, please click on the New Paymentand select the menu By Detailsenter the details of the beneficiary bank

and confirm the transaction by SMS code sent to the mobile phone number specified in My Alfa-Bank.

Attention! You can make payments via My Alfa-Bank using the cards issued by Ukrainian banks and Visa International/MasterCard International payment systems (MasterCard Electron/Cirrus card are not accepted in the system). Account currency and repayment currency must be hryvnia.

Before the transaction, please check your card compliance to the above requirements.
If you repay the loan through My Alfa-Bank with another bank’s card, please, click on Go to Payment , and select By Another Card in the resulting list
In the new window, enter the following data:

- Card number from which the repayment is made;
- Card expiration date (month and year);
- CVV-code of the card from which the payment is made (the code is displayed on the reverse of the card, the last three digits on the white card strip), this code must be entered on the right side in the CVV line.
- The card holder (in Latin letters, as indicated on the card used for payment);
- The amount of payment in hryvnia.
To pay, click on Pay
See the details of the loan maturity at https://alfabank.ua/about/kak-pogashat-kredit

Cancel the transaction carried out on accounts opened with Alfa-Bank. To cancel the transaction, you should visit the nearest branch of the Bank. You must have the following documents at hand:
- identification document;
- payment card, if the transaction took place from the card;
- agreement on the current account opening, if the transaction was conducted from the account;
- document on the challenged transaction (receipt).
The address of all Alfa-Bank branches can be found at the Bank's website https://alfabank.ua/map.
Cancel the transaction carried out on the account opened with another bank in Ukraine. To cancel the transaction, we recommend you to contact the bank to the account of which the payment was made.

Alfa-Mobile is a mobile app for smartphones and tablets on iOS (iphone/ipad) and Android platforms from Alfa-Bank. The app can be downloaded from the official AppStore and PlayMarket by entering Alfa-Bank in the search bar.

Alpha-Mobile app functionality differs from My Alfa-Bank functionality. The app contains functions the customer requiresquickly and "on the fly".
Information functions:
- Find the nearest ATMs of Alfa-Bank and ATMs of Atmosfera partner network;
- Find the nearest branch of Alfa-Bank;
- Information about upcoming discounts for holders of Visa and MasterCard;
- Call the Bank;
- Exchange rates today;
- Latest news.
Main functions:
- View the information about credit, deposit, card, and current account (balance, recent transactions, loan payments, credit card debt);
- Card information (card class, balance, card status);
- Mobile phone account replenishment;
- Transfer between your accounts;
- Transfer to the bank customer by card account number;
- Profitable safe account management (withdrawal/replenishment) online;
- Transfer to another bank by details;
- Lock/unlock the card;
- Management of limits on the cards;
- Management of CVV2/CVC2 (protection removal/restoration).
Options available even to non-customers of the Bank:
- Transfer from one card to another is a service allowing you to transfer money from your card to another person's card, knowing only the card number of the beneficiary, even if those cards are issued by different Ukrainian banks and belong to different payment systems.

Password to enter the Alfa-Mobile is the same as for logging in My Alfa-Bank.

To enter the Alfa-Mobile, you must be a registered user of My Alfa-Bank, i.e. you must connect to the full functionality of My Alfa-Bank first.
If you are the user of My Alfa-Bank, use your username and password to login to the mobile application. If you are unable to do this, check that the username and password you entered is correct.

To carry out transactions with WebMoney using My Alfa-Bank system, you have to:
1) Connect the service of a complete functionality of My Alfa-Bank to carry out the active transactions in the system.
2) Obtain a debit card at Alfa-Bank.
3) Register your e-purse in WebMoney at WebMoney official website http://webmoney.ua/
4) Connect the WebMoney purse in My Alfa-Bank system.
To connect the WebMoney purse in My Alfa-Bank, proceed as follows:
1) On your page in My Alfa-Bank, go to the Settings page by clicking 
2) In the WebMoney Accounts   click on Connect 
3) In the new window enter your WebMoney ID (WMID is the account number assigned to the user when registering with WebMoney).

4) Click on the Connect button. During the day (24 hours), your application for registration of WMID account will be considered by WebMoney system. After successful WMID registration in My Alfa-Bank, you will see a display of your WebMoney accounts in the Settings field  and the status of application for registration will change to Connected .
Attention! If you have several hryvnia purses opened within the same account (for one WMID), My Alfa-Bank will show the number of purses you have created in this WMID

The tariffs can be found in Schedule 8 to the Contract, My AlfaBank System Services, available at the Bank's website https://alfabank.ua/upload/dkbo_mab.pdf

The limits for transactions with WebMoney can be found in Schedule 8 to the Contract, My AlfaBank System Services, available at the Bank's website https://alfabank.ua/upload/dkbo_mab.pdf. The limits for transactions in WebMoney cannot be changed in My Alfa-Bank.

To transfer the funds from Alfa-Bank card to WebMoney purse, you have to:
1) Choose Replenish by Product in the purse you are going to replenish
2) Chose the card from which you wish to transfer the funds from the dropdown list.
3) Enter the amount you wish to transfer in the pop-up window
4) To confirm the above values, press
5) Confirm the transaction by SMS code sent to your number mobile phone.
Attention! WebMoney purse can be replenished only with cards issued by Alfa-Bank both in hryvnias, in US dollars and euros, while the currency of the purse to which the funds are transferred should be hryvnia only.

To withdraw the cash from WebMoney purse to Alfa-Bank card opened in hryvnias, proceed as follows:
1) Choose Replenish by Product on the card product which you want to replenish 
2) Chose the purse from which you wish to withdraw the funds from the dropdown list.
3) Enter the desired amount of transaction in the pop-up window 
4) To confirm the entered values, press 
5) Confirm the transaction by SMS code sent to your mobile phone number.
After confirmation of transaction in My Alfa-Bank, confirm the money withdrawal from the purse on WebMoney side in the bill automatically generated by the system for payment. To do this, proceed as follows in WebMoney Keeper:
- Click on the Pay button on the bill generated by the system for payment automatically;
- Press Submit button;
- Confirm the transaction by entering the key.
After successful payment, the WebMoney purse balance and the card balance in My Alfa-Bank is changed, and the payment status will be displayed as "Completed". After performance of all above actions, the funds will become immediately available on your card account.
Attention! The funds can be withdrawn from the purse to the hryvnia card accounts opened by you with Alfa-Bank only. Meanwhile, the currency of the purse from which the funds are withdrawn must be hryvnia.

When transferring funds from WebMoney, the funds are credited to your card instantly and are immediately available for withdrawal. The information will be displayed on your page in My Alfa-Bank on the next business day after transaction. Please, note that if the card account has insufficient funds to pay the fee for the transaction upon replenishment from WebMoney purse, the funds will be credited on the next business day after 12.00 p.m.