AS PrivatBank Universal credit card gives customer access to loan facilities; the card is used to withdraw cash and settle accounts as well. Leasing or mortgage loans are formalised at the Bank. Customers just have to choose the most appropriate type of loan.

Universal Card

The simplest type of loan. Universal credit card is issued promptly and for free at any AS PrivatBank branch. Customer just needs to produce an identity document. The key advantage of Universal card is the grace period – no interest is charged on the credit card within 30 days as from payment for purchase or service. After repayment of loan, the credit facility is available again. Universal card is only issued to residents of Republic of Latvia. 

AS PrivatBank offers:

  • mortgage loans to buy an apartment, build a house or renovate an immovable property;
  • leasing to acquire a long desired car (residents of Latvia);
  • credit cards for daily purchases.

AS PrivatBank managers will provide assistance to customers in choosing the most appropriate loan for any occasion. For additional information, please, call +371 8000 1515.


With AS PrivatBank, purchase of a car is fast and simple. No matter whether a new or a second-hand car – customer applications are considered promptly, and advice is given for free. Customers can count on individual approach when applying for leasing. No bank fee is charged for execution of lease agreement.

For private customers
For corporate customers

Mortgage Loan

Have you been dreaming of moving to a new apartment or building a house of your own? Or would you like to renovate your immovable property? AS PrivatBank will help your dream come true even today. We offer a mortgage loan secured on apartment, house or land property!

AS PrivatBank offers:

  • free advice of Bank managers;
  • a reduced loan issue fee – 1.0% of loan amount;
  • loan repayment by:
  • equal monthly paymentsа;
  • individual repayment schedule;
  • baloon payment at the end of loan period;
  • no early repayment penalty.

Terms of borrowing:

  •  loan currency – lats, euros or US dollars
  •  loan amount – up to 85% of immovable property market value
  •  loan period – up to 40 years

Other provisions:Interest rate is set individually to each customer. Bank takes into account customer`s credit history, collateral liquidity and loan amount. Bank will offer either a fixed or variable interest rate loan. Any immovable property may serve as a loan collateral, including the one for the renovation or purchase of which customer arranges the loan.  
To receive a mortgage loan, customer should insure the immovable property for the loan amount. The Bank will provide a list of insurance companies, among which customer can choose the most appropriate one.
Application for a mortgage loan may be submitted to AS PrivatBank Credit Centre at 1 Muitas iela, Riga or at any Bank branch. For additional information, please, call +371 8000 1515.

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Amount of loan

0 more than 500 000

Interest rate of Loan

Loan term (in months)

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Monthly payment: