Risk minimizing instruments available to everyone
  • Reputation assurance for your company

  • Checks of counterparties based on information from open sources

  • Checks of property, history of arrests or restrictions

Innovative solutions to manage risks
  • The largest credit history database

  • Aggregation of data from public sources

  • High-tech services to counteract fraud

  • A large array of scoring models

  • Individual approach, preferential rate

Working with us is the best decision for your business!
  • Comprehensive checks of your clients, partners, counterparties

  • Highly effective tools to counteract fraud

  • Automated models of risk assessment

  • Flexible rates

  • Access to information online 24/7 in the format of your choice

Services without a contract
Services for partners
Terms and conditions of collaboration
Public Dossier
Public Dossier

Information about a legal entity obtained from public sources.

The report costs 25 UAH.

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Status-of-Counterparty
Status-of-Counterparty

Current status of registration of a VAT taxpayer based on the State Register.

The report costs 1 UAH.

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Code: 
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Credit history of your company
Credit history of your company

Information about previous and current loans to your company and patterns of repayments.

The service costs 100 UAH

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Credit history check
Standard credit report
Standard credit report
Information about an individual’s previous and current loans and their repayment history.
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Borrower Monitoring
Borrower Monitoring
Notifications about changes in variables in the borrower’s credit history.
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Credit report of a legal entity
Credit report of a legal entity
Information about a legal entity’s previous and current loans and their repayment history.
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Predictive analytics services
Credit Score
Credit Score
Assessment of default probability based on the borrower’s credit history
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MFI scoring
MFI scoring
Assessment of the probability of late payments on a short-term loan from a microfinance institution
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Scoring based on the borrower’s geographic location
Scoring based on the borrower’s geographic location
Assessment of default probability based on the borrower’s residential address
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Application Scoring
Application Scoring
Assessment of default probability based on the borrower’s application data
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Court scoring for legal entities
Court scoring for legal entities
Assessment of default probability based on the details of court decisions related to the borrower
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Individual scoring
Individual scoring
Highly specialized scoring models individually suited to your requirements
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Verifications and protection from fraud
UBCH Anti-Fraud System
UBCH Anti-Fraud System
An automated system that prevents operational risks and is based on the aggregate data from credit applications of all service participants.
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Photo Verification
Photo Verification
Verification of identity based on a photo
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BankID
BankID
A service of online verification of clients on your resource through either Ukrainian banks, an e-signature or an ID card
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Telecom Report
Telecom Report
Mobile phone credit history. Assessment of a borrower based on the phone number reference in the UBCH database.
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Public registers
Status-of-Counterparty
Status-of-Counterparty
Current status of registration of a VAT taxpayer based on the State Register.
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Counterparty Monitoring
Counterparty Monitoring
Monitoring changes in the registration status of a VAT taxpayer in the State Register.
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Statements from State Registers
Statements from State Registers
Information about a company obtained from State Registers and other sources open to the public
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Entrepreneur Dossier
Entrepreneur Dossier
Information about an individual-entrepreneur obtained from public sources.
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Public Dossier
Public Dossier
Information about a legal entity obtained from public sources.
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Passport check
Passport check
Checking if a passport is registered as lost on the Ministry of Internal Affairs database
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Collection services
Data collection service InfoCollection + SMS
Data collection service InfoCollection + SMS
Receiving credit histories and sending SMS alerts to the debtors about a late payment, when they are applying for a new loan
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Skip Tracing
Skip Tracing
Broad search for debtors’ contact information.
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Disciplinary Letters
Disciplinary Letters
Opportunity to engage with debtors via letters on behalf of the Bureau.
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Public agreement
How to activate

By signing a one-off Agreement-Application to join the Public Agreement, you receive legal access to all of the Bureau’s products.

Your actions:

  1. Complete the Joining Agreement-Application to Information Services Terms and Conditions:

    • complete the details;

    • appoint a Company Administrator;

    • select type of payment;

  2. Complete the Questionnaire;

  3. Print out two copies of both the Agreement-Application and the Questionnaire;

  4. Send the copies of these documents signed on your part to the UBCH postal address.

Operating the UBCH database
  1. >After the Agreement-Application has been signed, the appointed Administrator will receive a login and password to get authenticated on the UBCH database.
  2. The Administrator will then register other users from their organization.
Requests for Reports:
  • in a web browser  After having been authenticated on the UBCH website (www.ubki.ua)
  • through a web service which returns the report as an XML-file Automatic interaction through the XML interface This method of reporting enables automated processing of requests and provides reports in the format of your choice
Transferring credit histories to the Bureau:
  • as an XML file formatted as described in the data transfer specifications UBKI FILE SENDER is an out of the box solution for converting to UBCH’s XML or DBF files, as well as for converting data from CU-Program version 3.1.1.12 or newer.
  • manual input in a web browser.After having been authenticated on the UBCH website (www.ubki.ua) navigate to Data Transfer – Manual Input in the Menu. This service is suitable for a small number of provided credit transactions or during the period of adaptation of your software to the Bureau’s services.
Legal framework

The key legislative acts that govern relations of the bureau of credit histories are:

Prerequisites for your cooperation with the Bureau:

  1. The Users / Partners of the Bureau can be any business entities, when there is the intention is to enter into a transaction involving monetary obligations of the parties or there are present existing transactions for which monetary obligations have arisen for one of the parties;

  2. A Partner can only provide information to and obtain information from the Bureau, if the Partner has the consent of the subject of the credit history. The subject of a credit history can be any legal entity or an individual that is a party to a transaction or has an intention to conclude a transaction.

Special attention should be paid to the issues of legalizing consent of the subject of a credit history when processing personal data of individuals! Consent of the subject of a credit history (individuals and legal entities) to provide information about their credit history to the Bureau and give access to it can be included in various types of documents. Our recommended suggestions:

* – Consent of a legal entity or an individual in the web format must be personalized by the subject with an electronic signature, with the obligatory identification of the subject through the BankID service, ACKC EDS (Accredited Centre of Key Certification E-Signature), ID card, means of reconciliation of data of the Bureau or other methods of proving identity, including confirmation by the appropriate protocol.

Partners rates

We work online 24/7 with no subscription fees! The more information you provide to the Bureau, the better your rate will be.

The standard credit report (SCR) is considered to be the base rate. The cost of a SCR is calculated monthly based on the information provided and requested.

Standard Credit Report tariff plan (in UAH including VAT):

 

Standard Credit Report tariff plan with PrivatBank information + a Contacts Report with PrivatBank information + a free Credit Score report (incl. VAT):

where OUT is the number of credit reports provided to the partner during one month, except for repeated requests for the Standard Credit Report about a client within one day and the Borrower Monitoring reports; IN is the number of issued loans about which information was provided to the Bureau during the month and the number of individuals and legal entities about which other analytical and statistical information used in the mathematical model for calculating a credit score was provided.

Rates for other services of the Bureau:

 

Credit Score

2.82–36 UAH

Borrower Monitoring

0.5*SCR

Credit report of a legal entity

2.82–36 UAH

Photo-verification report

0.25*SCR

Contacts(Skip Tracing)

0.5*SCR

Public Dossier

0,5*SCR but at least 5 UAH

Status-of-Counterparty

1 UAH per report

Counterparty Monitoring

0.5*SCR

Statements from State Registers

90 UAH per statement

Passport check against the database of lost passports

0.33*SCR

AntiFraudSystem UBKI

Included in SCR

BankID

6–18 UAH

Services are provided on a prepaid basis with debits from the account for the services received. The minimum amount of the first prepayment 300.00 UAH incl. VAT. The minimum prepayment for Information Clearing Centers and utilities companies is 240.00 UAH incl. VAT per year.