Online application for a consumer loan at Idea Bank. Idea Bank - Cash Credit, Credit Card. Conditions. Reviews Cash loans from Idea Bank

Registration details of our partners:

PJSC CB "PRIVATBANK": NBU license No. 22 dated 10/05/2011, Dnepr, st. Pobedy Embankment, 50 PJSC "ALFA-BANK": NBU license No. 61 dated 10/05/2011, Kiev, st. Desyatinnaya, 4/6 PJSC "Idea Bank": NBU license No. 96 dated November 4, 2011, Lviv, st. Valovaya, 11 PJSC "FUIB": NBU license No. 73 10/06/2011, Kiev, st. Andreevskaya, 4

Lending and risks

Consequences of loan default

In the loan agreement, the borrower must carefully read the terms and conditions and pay special attention to the loan repayment period, interest rate, amount of commissions, penalties and other key conditions. In case of non-repayment of loan funds, as well as loan servicing fees upon expiration of the term, the borrower bears financial and legal responsibility as provided for in the loan agreement and current legislation. Violation by the borrower of the conditions specified in the loan agreement may have the consequences of the bank transferring information about the debt to the credit history bureau.

What happens if you delay your loan payment?

An increase in the amount of debt due to the accrual of fines and penalties. The possibility of the Bank putting forward demands for the necessary fulfillment by the Client of its obligations under the loan agreement, including by calling, sending letters or SMS notifications. Transferring information about late payments on the loan to the credit history bureau (BKI). Restriction of the right to travel abroad (according to the current legislation of Ukraine). Requirement for full early repayment of the loan amount, as well as accrued interest. Possibility of debt collection through collateral property. Possibility of assigning the right to claim repayment of the debt under the loan agreement to third parties. Collection in court of debt under a loan agreement.

What to do if you lose your job?

Please note that in any case, you must continue to make payments in accordance with the payment schedule, otherwise, otherwise you will be charged penalties and fines in accordance with the General Conditions of the Agreement. If you have activated the job loss insurance service, use the insurance section Assigning unemployed status by contacting the state Ukrainian Employment Service. As an unemployed person, you have the right to: - receive unemployment benefits - receive information about vacancies and job offers - participate in paid public works - undergo vocational training and retraining - a scholarship during vocational training

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Conditions for data processing and transfer to third parties

Idea Bank | Take a cash loan up to 200,000 UAH without certificates or guarantors. Online application. Reviews, description, lending conditions at Idea Bank.

IN Idea Bank You can get a cash loan easily and quickly, even without an income certificate! This product will help young people over 23 years old, as well as adults up to 75 years old, to realize their ideas. The maximum loan amount is UAH 200,000. Loans are issued to working people (not officially) and pensioners. The loan is provided in the amount of up to 200,000 UAH. The loan term ranges from 12 to 60 months. The final terms of the loan in terms of amount and term will be offered on an individual basis. To get a loan from Idea Bank, all you need is a passport (ID card) and an identification code. Pension certificate (if necessary). Additionally, you may need to confirm any stable income you have (work, pension, etc.).

* Fill out an application, they will call you and, if approved, inform you of the amount of the approved loan, the date and place of receipt. Applying for a loan without leaving your home is very simple.

* Most credit services automatically check applications. It is likely that your loan application will be rejected. To avoid refusal, carefully fill out the fields of the application form for receiving funds, and it is also recommended to contact several microfinance organizations at once to increase the chances of confirmation of the request. This especially applies to borrowers with a bad credit history or people who do not have a permanent job.

Legal address: Lviv, st. Valovaya, 1
Legal name: JSC "Idea Bank"
NBU license: No. 96 dated 04.11.2011

A large banking structure, founded in 1989, Idea Bank is part of the Getin Holding S.A. financial groups, one of the largest financial groups in East Asia and Europe. Until 2011, the banking structure was called PJSC "Plus Bank", then the credit institution was transformed into Idea Bank - PJSC "Idea Bank".

Today, the banking structure offers its consumers to apply for a consumer loan in cash for any purpose. All you need to borrow the necessary funds is your passport information, some free time and Internet access.

Basic conditions for providing a cash loan from Idea Bank

The service offers to issue a loan for products in the amount of from 5,000 to 200,000 hryvnia to realize your ideas and needs.
The period for providing funds varies from six months up to 5 years.
There is a fixed interest rate for the entire loan term.
Funds are provided without proof of income.
The banking structure provides for the possibility of early settlement, without charging any additional commissions or penalties.
Loan term up to 60 months.

200 thousand hryvnia for any purpose right now!

Basic requirements for the borrower when applying for a loan from Idea Bank

The loan is available to citizens of Ukraine who have residence permit and registration in the territory of this country.
The age category of borrowers financed by the bank are citizens from 21 to 75 years.
To receive a loan you must have a monthly income of at least 2000 UAH.
When receiving a loan product, proof of official employment will not be required.

Idea Bank cash loan in Ukraine - a lot of advantages for consumers

Payment for the loan product is made in equal - similar payments.
The consumer independently chooses the purposes for spending the received loan funds.
Pre-approval for a loan product can be obtained in just one minute.
The banking structure offers consumers low interest rates.
Loan payments can be made completely separately from bank branches, according to the geographical location of the place of registration.
For conscientious and reliable borrowers, a specialized loyalty program is provided - you can increase your credit limit by paying your debt obligations on time.
You can get a loan without income certificates from Idea Bank Ukraine.

Special offer for refinancing dear clients.

The bank was founded in November 1990 in Krasnodar. The founders were 82 organizations. From 1995 to May 2013, the credit institution operated as OJSC Joint Stock Bank Kubanbank, after which it changed its name to OJSC Investment Trust European Joint Stock Bank (I.D.E.A. Bank). In December 2015, the bank changed its organizational and legal form and switched to a name that is consonant, but not formally related to the previous decoding - PJSC Idea Bank. Since February 2005, it has been a participant in the compulsory deposit insurance system.

In 2010, the total number of shareholders of the bank reached 3,164 (168 legal entities and 2,996 individuals). The key owners were Russian citizens Pavel Boyko (20%) and Roman Dusenko (13.28%), as well as US citizens Edward Dubinsky and Tierney Michael Paul (20% each). The plans of the owners included the development of a credit institution with a focus on the mortgage business, but the 2008 crisis prevented the implementation of its goals, and the bank was refocused on lending to small and medium-sized businesses.

According to market participants, the group of above-mentioned businessmen had to look for new investors a little later due to the need to recapitalize the bank to the amount of 180 million rubles by January 1, 2012.

In March 2011, a subsidiary of the Polish financial group Getin Holding*, Carcade Leasing, acquired 75.58% plus one share of the Krasnodar bank, announcing plans to increase the ownership share to 100%. In November 2011, the bank carried out an additional issue, as a result of which Carcade Leasing increased its share in the bank’s capital, subsequently bringing it to 96.06%.

In May 2014, the parent organization of Carcade Leasing, the Getin Holding group, acquired the entire stake owned by the leasing company (96.06%). The nominal value of the shares sold is about 381.4 million rubles, the transaction cost was 667.4 million rubles. According to the owner of Getin Holding, Leszek Czarnecki**, the bank’s main activity was supposed to be car lending, and the corporation planned to become a leader in this area in Russia in the next five to six years.

In May 2015, Getin Holding JSC decided to sell a stake in the credit institution to Nizhny Novgorod Forus Bank.

Currently, the shareholder of the bank is Forus Bank JSC (96.08%). A share of 3.92% is distributed among minority shareholders.

In addition to the head office, the bank's service network includes two additional offices, five credit and cash offices, three operational offices and a representative office in Moscow. As of October 1, 2015, the headcount was 137 people (according to RAS reporting). The company's own ATM network is not developed.

The bank serves about 6.3 thousand corporate clients from among small and medium-sized businesses. The main large client of the credit institution is OJSC Aluminum and Steel Structures Plant.

Legal entities are offered cash management services, deposits, leasing, and Internet banking. Private clients have access to deposits in rubles, car and consumer loans, money transfers (Contact, UNIStream, Western Union and Zolotaya Korona systems), bank cards, as well as currency exchange transactions.

At the end of 2015, the net assets of the credit institution increased by 17.9%, or 915.9 million rubles. The driver of growth in the passive part of the balance sheet was the influx of funds from individuals (+44%, or 1.4 billion rubles), an increase in the volume of the portfolio of attracted interbank loans (+66.7%, or 100 million rubles) and equity capital (+8.7% , or 53.2 million rubles). At the same time, the funds of enterprises and organizations showed a decrease (-47.3%, or 293.5 million rubles).

In the active part of the balance sheet, there is an increase in the portfolio of funds placed with banks (four times, or by 800 million rubles), the portfolio of securities (from zero to 305.7 million rubles), highly liquid funds (+97%, or 245.7 million rubles), as well as the loan portfolio (+11.9 million rubles). At the same time, the bank reduced the volume of investments in other assets (-34.1%, or 441.8 million rubles).

In the structure of liabilities, 76.5% are funds from individuals, most of which were raised for a period of one to three years. Own funds (capital) account for 11% of net liabilities; they include three subordinated deposits. The first deposit was attracted from Rego LLC in 2010 in the amount of 5 million rubles at a rate of 10% with a repayment date of June 1, 2017. The second is from Getting Holding S.A. in 2013 in the amount of 50 million rubles at a rate of 10% with a maturity date of December 27, 2019. The third was attracted from Idea Bank S.A. in 2014 in the amount of 152.2 million rubles at a rate of 11% with a maturity date of February 27, 2020.

Funds from enterprises and organizations account for 5.4%, the portfolio of attracted interbank loans - 4.2%. The credit institution's client base is large, payment dynamics are moderate, and monthly turnover on client accounts amounts to 2.6-5.3 billion rubles.

In the structure of assets, a share of 55.4% is formed by the loan portfolio. Placed interbank loans account for 16.6% of net assets. Throughout 2015, the main counterparties were OJSC JSCB Absolut Bank, JSC Alfa-Bank and PJSC JSCB Svyaz-Bank. Other assets, represented mainly by factoring requirements, form a share of 14.2%, highly liquid assets (cash, nostro correspondent account balances) - 8.3%, securities portfolio (OFZ, bonds transferred to repo) - 5. 1%.

The loan portfolio has increased slightly in volume since the beginning of 2015 (less than 1%) and as of January 1, 2016 amounted to 3.3 billion rubles. More than 80% of the portfolio is represented by retail loans, the rest is corporate loans, which have increased 7.7 times since the beginning of 2015. At the same time, the retail portfolio decreased by 10.3%. The level of overdue debt did not change - 6.9%. The reserve rate is at a moderate level - 11.9%, and is decreasing in dynamics (at the beginning of 2015 - 19.3%). The loan portfolio is secured by property in the amount of 3.8 billion rubles, or 114.3% of the total portfolio, which is a high figure.

In the repo market the bank is weakly active with insignificant turnover. In the interbank lending market, it acts primarily as a net lender, placing excess liquidity for a maximum period of 180 days, and is attracted rarely and in small volumes. The bank showed moderate activity in the foreign exchange market. Monthly turnover increased from 1.1 billion to 39.7 billion rubles.

At the end of 2015, the bank received a net profit of 22.4 million rubles (in 2014, the same figure was 9.3 million rubles).

Board of Directors: Ruslan Suleymanov (chairman), Albert Asryan, Alexander Bortnik, Denis Samkov, Larisa Kondratova, Andrey Titov, Anastasia Solovyova.

Governing body: Anzhelika Poplavskaya (chairman, president), Tatyana Lyubina, Larisa Khizhnaya (chief accountant), Inna Fomina.

* Getin Holding S.A. is a large Polish financial holding company established in 1996. According to the company, the main owner is Leszek Czarnecki (57.11%). In addition to the Russian bank, the holding includes three banks in Poland (Powszechny Dom Kredytowy, Idea Bank, Getin Bank), the Ukrainian Idea Bank (formerly Plus Bank) and the Belarusian Idea Bank (formerly Sombelbank), as well as leasing, insurance, brokerage and investment companies .

** Leszek Czarnecki is one of the three richest Polish businessmen. His fortune, according to Forbes magazine, is estimated at 7.1 billion zlotys (about 1.8 billion euros).

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IDEA BANK➔Idea Bank: Apply for a cash loan, online, get a credit card "Card Blanche White", without income certificate up to 50,000 UAH

Idea Bank loan terms: credit card/cash up to 300 000 UAH

Idea Bank is a bank with a growing deposit portfolio and more than 25 years of experience in Ukraine. Idea Bank was able to reach 12th place in the Top 20 most reliable banks in Ukraine according to the Dragon Capital and NV ratings. The bank's goal is that every client should feel safe and receive both stable profits and protection of their savings. PJSC "Idea Bank" This is the former PJSC Plus Bank. It is worth noting that the bank is part of the largest financial group in Central and Eastern Europe - Getin Holding SA (Poland). Also, since entering the structure of Getin Holding SA, a whole range of various transformations and innovations have been carried out. Literally everything has changed. Starting from the bank’s development strategy itself and ending with the organization of the bank’s work and restructuring within the management structure. The investors themselves were able to contribute new technologies and various instruments that have proven themselves quite well in the European market of Getin Noble Bank (the main asset of Getin Holding SA). So, in general, thanks to a variety of transformations, as well as the professionalism of the Plus Bank team, he was able to triple his assets over all this time. Such evidence of trust was the fact that the deposit portfolio grew, and constantly, which for the entire 2010, in comparison with the growth of the entire banking sector, was able to grow to 109.2% from 23.9%.

opportunity to receive up to 50,000 UAH
preliminary loan decision in 1 minute
It is not necessary to have a financial guarantor
possibility of taking into account additional income of the borrower

In case of failure to return funds within three banking days, pay interest for the unreasonable use of such funds in the amount of 42% of the amount of unreasonably used, received or stored funds.

Calculation of the amount of 1000 UAH borrowed*:

credit term: 10 days
percentage per day: 0.15 %
overpayment for loan: 15 UAH
amount to be refunded: 1.015 UAH

*calculation is not final and approximate, check with the manager for more accurate information

Additional Information:

revolving loan: Yes
add. payments/commission for revolving credit: No
terms of the renewed loan: full repayment of the previous loan
grace period for using credit funds up to 90 days
official - from 3 months. at the last place of work, self-employed - from 6 months. Informal employment - confirmation required for self-employed people
12% on the balance of your own funds in the account
free credit card application
minimum package of documents for issuing a loan
Card service is free
wide choice of loan repayment channels
high-quality call center work