The Rules of Providing Banking Products and Services to Individuals at VST BANK JSC
Templates of applications-agreements for provision of banking products and services using payment cards for individuals
Payment schedule templates
Terminating an agreement. The possibility, terms and method of terminating an agreement early
The procedure and practice of personal datas protection

Warning!

If you are behind in paying the interest for using the loan or the principal loana, the bank can demand compensation of the incurred losses in the form of a penalty (fine).

Under the current law of Ukraine, if a consumer is behind on payment in the period from March 1, 2020, till termination of obligations under a consumer loan agremeent entered into before the thirtieth day after the Law of Ukraine “On Introduction of Changes to Some Laws of Ukraine for Improvement of Financial Service Markets Regulation”* coming into force, including an agreement with the term extended after the Law of Ukraine “On Introduction of Changes to Some Laws of Ukraine for Improvement of Financial Service Markets Regulation” coming into force, the consumer is exempt from responsibility before the loan provider for such a delay. This includes, but is not limited to the consumer being exempt from the obligation of paying a penalty (fine) and making other payments for such a delay to the loan provider as provided in the consumer loan agreement in case of a delay in fulfilment (failure to fulfil, partial fulfilment) of the consumer’s obligations under such an agreement. Increase of the interest rate for using the loan for other reasons than provided for in part 4 of article 1056-1 of the Civil Code of Ukraine in case of failure to fulfil obligations under a consumer loan agreement in the period indicated in this paragraph, is prohibited. The penalty (fine) and other payments under the consumer loan agreement accrued for the period indicated in this paragrpah for delayed fulfilment (failure to fulfil, partial fulfilment) of obligations under such an agreement are subject to writing-off by the Bank providing the loan.

* The Law of Ukraine “On Introduction of Changes to Some Laws of Ukraine for Improvement of Financial Service Markets Regulation” came into force on December 24, 2023.

The bank is entitled to demand early repayment of the loan and compensation of the losses it incurred due to the obligation being broken in cases provided for in the agreement. The bank is entitled to send the information to the credit bureau / Credit Registry of the National Bank of Ukraine; failure to fulfil their obligations under a consumer loan agreement by a customer leads to a negative credit score, which can be taken into account by the bank when making a decisions on providing a loan in future.

The bank does not require the customer to buy any products or services from the bank or any related person as a mandatory condition of providing these services (apart from providing a package of banking services).

Unless otherwise stipulated in the agreement of the law of Ukraine, the bank can introduce changes to the agreement only with consent of the customer (a party to the agreement).

The fixed interest rate under an agremeent cannot be increased without a written consent of the financial services consumer.

After an agreement on provision of a banking services loses its force due to expiration, termination of performance thereof, the customer is entitled to request from the bank information (reference) concerning the fulfilment of their obligations under the agreement by the parties, including information (reference) on absence of debt and complete fulfilment of the customer’s obligations under the agreement. The bank shall provide the information as a hard copy or electronic document (per the customer’s choice) within five working days from the day the bank receives such a request.

The customer can refuse to receive advertising materials they can be sent by remote online service channels in future.

A questionnaire and application for refusal to receive advertising materials is available per a link in the "Other" section.