Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Moneyveo UA
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Moneyveo UA |
|---|---|---|
| APR | 21.59% | 3.65% to 357.77%Lower |
| Loan amount | up to €1,500 | UAH 500 to UAH 50,000 |
| Term | 1 month | 60 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 UAH (0% of loan amount on first Smart loan) |
| Funding time | Immediate: credit line available on card activation | 24/7, to any Ukrainian bank card immediately after contract signing |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Ukrainian citizenship, age 18+, Ukrainian bank card, passport and tax ID, internet access |
| Loan types | Credit line, Personal | Personal, Payday, Credit lineCovers more |
| Credit needed | Fair | Poor |
| Credit check | Hard | Not confirmed |
| Representative example | AXI Card: 500 EUR line drawn in full, 19.71% annual interest, payment of 508.10 EUR in the payment period, total cost of credit 8.10 EUR (TAE 21.59%) | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Moneyveo UA scores higher overall: 9.3 vs 9.0.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at Moneyveo UA: 3.65% to 357.77% vs 21.59%.
- Term is higher at Moneyveo UA: 60 months vs 1 month.
- Support channels: only Moneyveo UA offers Chat.
- Features: only Moneyveo UA offers Same day funding.
- Loan types: only Moneyveo UA offers Payday.
Our verdict on each
AXI Card Tarjeta y Credito
AXI Card Tarjeta y Credito suits Spanish residents who want a small, revolving line on a card rather than a long loan. Costs are light on setup at 0 EUR (card issuance and annual maintenance), but 21.59% sits above the site median of 12% and each payment period is 1.
Moneyveo UA
Moneyveo UA suits Ukrainian borrowers with thin credit files who need cash the same day, not anyone planning a long cheap loan. Rates are fixed and APR runs 3.65% to 357.77%, so the cost of borrowing depends heavily on the deal you are offered.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Moneyveo UA |
|---|---|---|
| Cost | 8.8APR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. | 9.4HigherAPR of 3.65% to 357.77% against a payday median of 36.5%, on a fixed rate. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.8Higher |
| Trust | 9.2Higher | 8.9 |
Positions in our rankings
| Ranking | AXI Card Tarjeta y Credito | Moneyveo UA |
|---|---|---|
| Personal loans | 38 of 1932 | 86 of 1932 |
| Loans for bad credit | 25 of 275 | 49 of 275 |
| Lines of credit | 8 of 328 | 13 of 328 |
If neither fits
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 60 months for Moneyveo UA.
Sofkredit reviewEvery fact side by side
| Fact | AXI Card Tarjeta y Credito | Moneyveo UA |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Access Finance SL | TOV "MANIVEO SHVYDKA FINANSOVA DOPOMOGA" (EDRPU 38569246) |
| Headquarters | Spain | Ukraine |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Moneyveo UA | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 3.65% to 357.77%lowest quarter | 8.99% |
| Term | 1 monthlowest quarter | 60 monthsat the median | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
AXI Card Tarjeta y Credito
Pros
- Early repayment is free, so a balance cleared inside the payment period stops accruing interest.
- Help is reachable on phone, email and help centre, which covers a phone line, an email address and a help centre.
- The rate type is fixed, so the interest charged on a drawn balance holds steady between payment periods.
Cons
- Interest runs at 21.59%, above the site median of 12% and above the starting point of the range Monzo Flex quotes at 10% to 23%.
- Applications run a hard credit check, so an application leaves a full search on the file whatever the outcome.
- The line stops at up to €1,500, so it will not stretch to a large expense.
Moneyveo UA
Pros
- Money lands on any Ukrainian bank card right after the contract is signed
- Free early repayment, so paying off sooner costs nothing extra
- Arrangement fee of 0 UAH (0% of loan amount on first Smart loan) on the first Smart loan
Cons
- APR of 3.65% to 357.77% tops out far above the payday median of 36.5%
- The file is built for poor credit, so poor is the target rather than a strong profile
- Term of 60 is the longest most lenders on the list offer
Who each suits
AXI Card Tarjeta y Credito
Who it suits
- Borrowers in Spain who want a credit line attached to a card they use weekly and repay quickly.
- Anyone who prefers to clear a balance early, since early repayment costs nothing.
- Applicants with fair credit and no ASNEF registration who can pass a full credit check.
Who should look elsewhere
- Monzo Flex, whose quoted range of 10% to 23% starts below the 21.59% charged here.
- Cashspace ES, which lists an APR of 0% and so charges nothing on a balance.
- Cashspace, which quotes PHP 12 to PHP 36 and suits readers who want to compare rates across markets before settling on a card.
Moneyveo UA
Who it suits
- Ukrainian citizens with a thin credit file and an urgent bill
- Borrowers happy to take a fixed rate on a personal, payday or credit line loan
- Anyone who can settle part of the balance early without a charge
Who should look elsewhere
- Borrowers wanting the lowest cost, who should compare rates on Monzo Flex at 10% to 23%
- Anyone needing a long term, since the 60 term outruns most rivals
Current offers
Moneyveo UA
Current offer
First period offer
First Smart loan at 0.01% per day: 0.01% per day
First Smart loan, discount period 3-20 days, up to 50 000 UAH, no issuance commission
Source, checked September 26, 2026
Bonus
We give a better deal than competitors: +10% discount versus a competitor offer
Compared with a discount offered by another service; 10% increase over the competitor discount
Source, checked September 26, 2026
First period offer
Grace period: 3 extra days to repay
Grace period on the first loan
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | Moneyveo UA |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | No |
| Ukraine | No | Yes |
Questions about each
AXI Card Tarjeta y Credito
What does it cost to open and keep the card?+
Opening the card and keeping it active each year costs 0 EUR (card issuance and annual maintenance). That figure covers both card issuance and the annual maintenance charge, so there is no separate setup fee layered on top of the credit. The cost to watch sits in the interest rate instead, set at 21.59% and accruing on whatever balance you carry.
How is the rate set, and can it move?+
The rate type is fixed and the pricing model is a fixed rate, so the interest charged on a drawn balance holds steady between payment periods. The headline figure is 21.59%. The published terms describe that single rate rather than a promotional opening rate that later resets, so the figure on offer is the figure you pay.
Moneyveo UA
What does Moneyveo charge to borrow?+
APR runs from 3.65% to 357.77% across personal, payday and credit line loans on a fixed rate, fixed. The arrangement fee is 0 UAH (0% of loan amount on first Smart loan), so the first Smart loan carries none. Early repayment is free, which keeps the total down if the money comes back early.
How fast is the money?+
Funding runs day and night straight to any Ukrainian bank card, immediately after the contract is signed. Same day funding is one of the features listed for the brand, same day funding and credit line, which is the main reason borrowers choose it over a bank that pays out in days.
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