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For transactions in foreign currency on payment cards on the day of the transaction, the funds on the account are blocked at a special authorization rate of the Bank*.
The actual debiting of funds from the account is within 2 to 33 days at the Bank's sale rate set on the day of debiting funds.
Pay attention! When the exchange rate fluctuates, there may be a difference between the amount of blocked and debited funds from account.
The actually blocked amount can be found by the balance in sms, in the account statement or by calling to Contact center 0 800 30 888 0 (around the clock, free of charge from stationary phones within Ukraine, from mobile - according to the tariffs of operators).
Also, when private clients makecash withdrawal transactions at ATMs of Ukrainian banks, the commission amounting 1.5% + 5 UAH is automatically temporarily blocked. (Except Visa Platinum cards and cards issued under Optimal +, Optimal and Premium tariff plans). After withdrawal of actually spent amount the blocked sum(a commission of 1.5% + 5 UAH) that was blocked during the operation is automatically unblocked. The main purpose of the blocking of funds is to prevent the creation of a negative balance (unauthorized overdraft) in case of shortage of funds on the account when debiting the cash withdrawal commission, starting with the 6th transaction, which is payable.
Please keep this in mind when making payments with your cards.
For further information, please refer to the contact center 0800 30 888 0 (clock, free from stationary phones within Ukraine, mobile – according to the tariffs of operator).
* - The authorization course is calculated based on the exchange rate of the International Payment System here and the Bank's sale exchange rate.