Payment by installments

Розстрочка

Installments by credit card is to pay for a part of goods and services using Your credit card.


  • Оплата частинами Profitably:Installment — with an annual rate of 0.01%.
  • Оплата частинами Available:monthly commission from the amount of installment - 1.8% for a period of 3 to 24 months
  • Оплата частинами Easy:Repayment of installments by the same payments
  • Оплата частинами Of course:Full control and management in the Internet service of My Alfa-Bank

Take advantage of the offer today!

Convenient and profitable

Convenient and profitable

Without documents

Without documents No documents needed, only payment by credit card from Alfa-Bank Ukraine

Up to 24 months

Up to 24 months

2 weeks

2 weeks You have 2 weeks to decide on the activation of installments

SMS

SMS To activate installments - just send SMS

How to make

MAKE A PURCHASE

MAKE A PURCHASE

Your card worldwide in the amount of UAH 500

RECEIVE SMS MESSAGE

RECEIVE SMS MESSAGE

from  3530 with a code and an offer to transfer your purchase by installment 

ACTIVATE INSTALLMENT

ACTIVATE INSTALLMENT

by sending a free SMS message with the code  3530  

RECEIVE SMS MESSAGE

RECEIVE SMS MESSAGE

on installment activation

How to repay the monthly payment

SETTLEMENT date

Each month, the settlement day a credit card the monthly payment automatically deducted from the credit limit, after which the Bank calculates the mandatory'mandatory minimum payment = 5% of the used credit limit.
the First time the monthly payment for the installment will be debited not to the nearest settlement day, and after one business day after activation of the installment (more deferred payment).

the NEXT DAY AFTER checkout

the Bank sends an SMS message and extract information about the amount you need to repay the credit card in the payment period.

ATTENTION! Use online banking from Alfa-Bank to repay the payments. After all, it's FREE!

up to 31 days to maturity
Statement
last month  
Statement
current month
up to 31 days to maturity
Repayment of debt
the statement for the current month
Calculation the minimum payment = 5% * (1+2+3) +4
  • 1The amount used for purchases in the calculation period, excluding the amount of the installment
  • 2Commission/% (in the case of calculation, debited from the credit limit automatically)
  • 3The monthly payment on the installment plan (deducted from the credit limit automatically)
  • 4Arrears (if any)

On monthly basis the Bank informs the Client about the minimum payment on the card:

Блок-1 in the online service My Alfa-Bank
Блок-3 statement on e-mail
Блок-2 Po kartci XXXX(rah.2625XXXXXXXXXX) vykorystano ААААА.АА UAH, zaborgovanist' pilgovogo periodu BBBB.BB UAH.Min.platizh CCCC.CC UAH neobhidno splatytu do DD.DD


where AAAAA.AA - the total amount of the used credit limit + balance payable in installments;

BBBB.BB - the total amount of the used credit limit, excluding the outstanding balance by installments for repayment in the grace period;

CCCC.CC — minimum payment on credit card (WMD);

DD.DD — payment date.

 

Questions and answers

1. Connection /disconnection of mailing from the Bank on the proposal of installment.

• If You do not wish to receive SMS with a proposal installment on the card, to deactivate mailing send code 01 short number 3530.
• If You want to re enable sending SMS with offer installment on the card, to activate mailing send code 02 short number 3530. 

2. I sent an SMS confirmation, but I still have not decorated the installment. Why?

Activation of installment occurs after the purchase amount will be debited from the card account. Once the installments, the Bank will immediately send the Customer an SMS message about the successful registration of payment by installments.

For the timely transfer of the purchase in installments (to the nearest calculating the minimum monthly payment and the amount of the grace period without regard to the amount of the purchase) recommend to send an SMS with confirmation of payment by installments not later than 1 day before pay day for Your credit card. 

the Installment is activated after the information was received from the merchant and the purchase amount is debited from the card account. Under the installment is activated in the billing period, which was debited to purchase account.

3. The return of the goods.

In the case when the Customer returned to the store the goods, the seller returns the money for the goods on the card.
At the same time, to close the installment, the Customer needs to the Internet service My Alfa-Bank in the section "Installment" to initiate transferring of the amount refunded from the seller, on the closing installments.

4. Early full or partial repayment installments on a credit card.

If the Client wishes ahead of time (fully or partially) to close the installments, likewise, should Internet service My Alfa-Bank in the section "Installment" to initiate a full repayment of the installment.

 In case of partial early repayment, the balance owed on the installment shall be transferred by the Bank parts with a decrease in the term of using the credit. It is the balance owed on the installment divided by the amount of the monthly payment that was calculated when you activate the installment plan, thus determining the amount of time necessary for the full repayment of the debt in installments.  

5. What are the causes of failure in making the installments by credit card?

the Bank may deny making the installments by credit card for the following reasons:

• Text from the Client received with unknown phone numbers. After all the installments SMS should be sent to the Client in his room, which Pref’associated with credit card and which Bank napravlen SMS offer
• Over the duration of the offer of installments for the purchase (offer valid 2 weeks from date of purchase)
• Credit card inactive/blocked/there is overdue credit card debt

the Installment is issued in the amount of 500 UAH. and only for the amount of purchase which is completely or partially paid at the expense of the credit limit on the card.

6. What is the leasing period?

Term installment: 3, 6, 9, 12, 18, 24 months

Monthly fee of the amount of the installments of 1.8% for the period from 3 to 24 months

7. Where can I learn about the state of arrears in instalments?

My Alfa-Bank;
• a monthly statement.

8. On what purchases are essential to make installments?

Installments will not be issued:

• payment transaction services in the entertainment and gaming sites, social, political and charitable organizations registered under the following codes traders:
- 5933, 6530, 7995, 9223, 9754 (pawn shops, casinos, totalizators and any other gambling/mortgage institution) and 7841, 7993, 7994 (deansway, special entertainment);
- 6211, 9211, 9222, 9311, 9399 (payment of public services - fines, fees, court payments, alimony, etc.), 9402 9402 (a state organization, email) and 9405 (payments between derekwebb and bodies (more relevant abroad);  
- 8398, 8641, 8651, 8661 (political, religious, social, charity organizations);
- 4829, 5816, 6010, 6011, 6012, 6050, 6051, 6529, 6532, 6533, 6534, 6536, 6537, 6538, 6539, 6540, 7321 (financial transfers, including those through had and cash withdrawals);
- 8675 (automobile associations), 8734 (testing laboratories (not medical)), 7299 (other services, not manufacturing), 8699 (organizations that cannot be clearly classified according to the type of activity).
• withdrawal cash from a credit card
• for transfers of funds from a credit card

 

9. Sending SMS-message with the code number 3530.

Mobile operator GSM connection:
Kyivstar: 067, 068, 096, 097, 098
Vodafone: 050, 066, 095, 099
Lifecell: 063, 073, 093 

For mobile operators GSM communication cost SMS-message to number 3530 is free.
For customers' Intertelecom "and" Ukrtelecom "send SMS-message with the code number +380931770044 made (fee SMS tariffs by operator)