FAQ

Register and login
1. What is Universe of privileges?
Universe of privileges is a Loyalty program for Privatbank clients. Clients can become participants of the Program according to the Program Rules. Participants accumulate bonuses that can be exchanged for various rewards, such as gift certificates for shops and restaurants, etc.

2. What kind of cards take part in the Program?
Visa Platinum, Visa Signature, Visa Infinite Premium, Visa Infinite cards issued by the Bank take part in the Program.

3. How can I register my account?
For registration, you need to complete the following steps:
Step 1. Go to https://visa.pb.ua/, enter your mobile phone number bound to the Privatbank card and click on the "Login" button.
Step 2. Enter the 4-digit code you have received in an SMS message and click "Confirm entry". You will be redirected to a page with pre-entered data of your profile.
Step 3. To complete the registration, you need to check the details of your profile. If necessary, you can change the email address, sex and city. After that read the Program Rules, confirm your agreement to follow them by selecting an appropriate check-boxes and click "Register".
Step 4. After that you will be redirected to the profile page of the Universe of privileges. Please confirm your email address to complete registration.

4. How to log in Loyalty program account?
Go to https://visa.pb.ua/. If you are a registered user, you will be redirected to the profile page of the Universe of privileges upon clicking the "Login" button and entering the one-time code. If you are not registered with the Universe of privileges, complete your registration by following the instructions given in question 3 above.

5. Can I use my Privat24 bank details to enter the Universe of privileges site?
You use your financial phone number to log into your Universe of privileges account as described in question 3 above.

6. Are certificates subject to tax and who should pay tax on certificates purchased?
Yes, certificates purchased under the loyalty program are an additional income. The organizer of the World of Privileges Loyalty Program is CARD INDUSTRIAL LLC; EDRPOU code 43464520; address: St. Zelena, 186, Lviv, 79035. Pursuant to the tax legislation of Ukraine, the loyalty program organizer acts as a tax agent, therefore, it withholds and remits personal income tax and military levy from the reward you received and sends the relevant tax authority a notification as provided by law.

Accumulation of bonuses
1. How can I earn reward bonuses?
You can earn reward bonuses every time you use Privatbank products. Please pay attention to the list of bonuses for each product and type of transaction:
In case of payment for goods and services by Visa Platinum, Visa Signature, Visa Infinite Premium or Visa Infinite of Privatbank by making e-commerce transactions (domestic and foreign internet transactions), except for transactions via UA-UBER, bonuses are credited according to the following formula:

Bonuses are credited after registering card in the Program:
• 1 bonus is credited for 10 UAH.
1 bonus is written off for each 0,10 UAH.
Besides the standard bonuses that are credited for e-commerce payments by Visa cards, different types of additional bonuses are credited:
• Welcome Bonus, which is credited for registration by the Participant of the first card in the Program depending on the type of the card:
◦ for Visa Platinum card - 300 bonuses
◦ for Visa Signature card — 500 bonuses
◦ for Visa Infinite and Visa Infinite Premium card — 1000 bonuses,
• Holiday Bonus, which is credited once to the Participant on the occasion of his birthday, provided that the Participant is active in the Program (Participant logged into the account at least once in the previous month):
◦ for Visa Platinum card - 300 bonuses
◦ for Visa Signature card — 500 bonuses
◦ for Visa Infinite and Visa Infinite Premium card — 1000 bonuses,
If the Participant has several cards registered in the Program, bonuses are accrued in the amount corresponding to the card of the highest type.
• Additional types of bonuses that can be credited in cases determined by the Initiator or the Bank.
As for Visa Platinum, Visa Signature, Visa Infinite Premium, Visa Infinite, issued by the Bank and registered for participation in the Program, bonuses are credited once the Participant has registered on the Website.

2. How many bonuses can I accumulate every month?

The maximum number of Bonuses that can be credited to the Participant during a calendar month is 5000 bonuses, not including the amount of the Welcome Bonus or/and the amount of the Holiday bonus, if it/they is/are also accrued in the calculation month.

In certain situations, in some cases, particularly during promotion campaigns or special promotions and offers from the Program Initiator, Bank or Program Partners, additional bonuses may be credited according to the rules for crediting additional bonuses. Information on these bonuses is provided separately and they are applied together with other bonuses on terms of these promotions, special promotions and offers.

3. How quickly will bonuses appear on my account after I made a purchase by my card?
Bonuses for purchases made by your card are credited to your account within 30 business days after the transaction appeared on your card statement.

4. How do I know the number of credited bonuses?
Log in to your account, the available bonuses are displayed on the top right side of the navigation menu bar - Your balance. You can also click on Personal account to see detailed information about your account. To see the number of bonuses earned, go to the "My balance" page.

5. Where can I see the number of Welcome Bonuses that have been credited to my account?
Log into your account, click on "Personal Profile" at the top of the navigation menu. To see the Welcome Bonuses received, go to My Balance page.
You can also see a detailed account statement by selecting a period in My Balance menu.

6. I have several cards participating in a Loyalty program. How do I know the number of bonuses earned by each card?
Log into your account, click "Personal Profile". In the "Personal Profile" click "My Balance" and here you can see the total number of bonuses earned for each card bound to your profile by selecting a specific period.

7. What`s the expiration date of my bonuses?
Bonuses expire in 36 months after the date they were credited.

Managing my account

1. How can I log into my account?
You can access your account online 24/7 using your financial mobile phone number to enter the https://visa.pb.ua/ site.

2. What is a valid card?
Valid card is any card bound to your Loyalty program account, which has not expired.

3. What is a verified email address? How can I verify my email address?
A verified email address is an email address registered in the Loyalty program which went through verification process. You can confirm your email address when registering in the Loyalty program by clicking on the confirmation email link in the welcome email that was sent to you. You can also verify your email address by logging into your account and accessing the email confirmation option in the section (see next question for detailed steps).

4. How can I verify my email address during registration?
You will receive a welcome email with a confirmation link upon registering in the Loyalty program. Click on the link to verify your email address.
Please note that the confirmation link is active for 20 minutes since the moment you have received an email. If you are unable to click on the link within 20 minutes, you could verify your email address through your account and email verification options in the section (see next question for detailed steps).

5. I did not confirm my email address when registering in the Loyalty program. How can I verify my email address now?
Please log in again to your account. You will be offered to verify your email. If you click "Please confirm your email address", a confirmation code will be sent to the email address you used for registration in the Loyalty program. Enter the confirmation code and click "Confirm email address." You will receive a confirmation message saying that you have successfully verified your email address.

6. I have several Privatbank cards. Can I sum up bonuses accumulated on all my cards in one account?
Yes, bonuses credited on your several cards which take part in the Program are summed up on one account.
Your card details will be automatically added to your account upon your registration in the Program. No more than 5 cards can be added to one account.
You can see the cards bounded to your account by logging into your Loyalty program account in your Personal Profile in My bank cards section.

7. My Privatbank card has expired / is lost / stolen, and I received a new card from the bank. How do I know if bonuses are credited to my new card?

Your card details,as they were at the time of registration in the Program, will be automatically added to your Loyalty program account after your registration in the Program.

New cards are automatically added to your Loyalty program account only after signing in to the Program.

That is, if after receiving a new card you did not log in to the Program, this card will not be added to the account.

Bonuses are credited to the new card only from the date of its addition to the Program (login to the Program with a new card).

You can see the cards bounded to your account by logging into your Loyalty program account in your Personal Profile in the My bank cards section.

8. Can I change my profile and personal data?
Yes, you can update your profile and personal details by logging into your account here https://visa.pb.ua/.
Once logged in, you will be able to manage your profile data, settings and contact information. Information on your e-mail, city, sex, language for communication is available for editing. Participants are recommended to update their profile data regularly to get more benefits from the huge variety of rewards.

Privatbank payment cards products

1. What types of payment cards are available in Privatbank?
Privatbank offers various payment card products to meet the needs of our customers. For more information, please, call by phone +380739000002 (098 or 050), +380443000503, or write to Privat 24 chat.

2. How can one find out more details about obtaining a Privatbank card?
Call +380739000002 (098 or 050), +380443000503, or write to Privat 24 chat., visit the website https://privatbank.ua/ or visit any bank branch for more information.

3. Where can I find additional information about the benefits, commissions and costs of PrivatBank cards?
Call +380739000002 (098 or 050), +380443000503, or write to Privat 24 chat.visit the website https://privatbank.ua/ or visit any bank branch for more information.

4. Who should I contact if I have a question about my valid Privatbank card?
Please call the Customer Service Center at +380739000002 (098 or 050), +380443000503, or write to Privat 24 chat..

Certificates

1. Until what date do I need to use the certificate?
The certificate must be used before the expiration date specified in your certificate.

2. Do I need to show a certificate in the shop for payment?
Yes, you need to show a certificate in the shop to pay for the goods.

3. Can I pay for a discounted goods?
The final rules for using the certificate are regulated by the partner chain.

4. Can I exchange a certificate for money?
No. The certificate is non-exchangeable and is not subject to return.

Google / Apple Wallet

Can I add my bonus balance to Google or Apple Wallet?

Yes, to do this, log in to the Personal Account in the section Personal Profile and click Google Wallet or Add to Apple Wallet.

Can I add purchased certificates to Google or Apple Wallet?

Yes, for this you need to select the required certificate in the My Orders section, click More Details, and click on the arrow (button to download certificates).
A pop-up will open where you can select a download option:
- Download button - download as a pdf-file
or
- Google Wallet or Add to Apple Wallet button - download to Google or Apple Wallet

It is important to remember that partner retailers reserve the right to regulate the use of certificates and to accept only the printed version.