Bonuses are always enough!

Umicon gives you bonuses on purchases from partners. Pay for your purchases with Avans bonuses and return them back next month.

 

Umico — will help out when you need it 😉

Umico всегда выручит!

How it works?
Just pay with bonuses!

1

Umicon gives you bonuses. Activate them free of charge.

2

Use Avans bonuses to pay for purchases from Avans partners.

3

Return your Avans bonuses back in cash next month.

4

Use Umico Avans again and again. All the best and most necessary goods are available for Avans-bonuses.

Avans-partners

  • Bravo
  • Bolmart
  • Grandmart
  • Megastore
  • Bizim
  • Park Cinema
  • Libraff
  • Go Sport
  • Nike
  • Skechers
  • Courir
  • Nine West

Example

В этом месяце
1. This month

You make a purchase at Bravo for 40 manat. Tell the cashier that you will pay with bonuses.

В следующем месяце
2. Next month

You return 40 bonuses for purchases in the previous month + 2 bonus commission.

Activation is free. The commission for using the service is only 2 bonus. Pay only when you use it.

What others buy with Umico Avans

Irina khanum
Irina khanum
Bouth a TEFAL iron for 179 manats.

My iron broke at home and I needed to buy a new one urgently so I could iron my clothes for work in the morning. I chose a more reliable iron at Bravo and bought it with Avans bonuses.

Amrah bey
Amrah bey
For my birthday picnic I bought groceries at the supermarket.
Umico Avans really helped me out, since my birthday is September 29th and I don't have a salary yet.
Nuriyya khanum
Nuriyya khanum
I organised a party for my friends and relatives.
In the pre-holiday time, I want to spend time with my friends and relatives, so I decided not to postpone the meeting, went to Grandmart for party supplies and took advantage of Umicon's Avans bonuses.

Have any questions?

This is an opportunity to buy goods now and pay later. To do this, you have an available limit from Umico, which can be spent continuously. The number of transactions is not limited.

Click the “Activate” button and you will get access to Avans-bonuses, for which you can make purchases from Avans-partners. In the settings, you can change the order in which bonuses are debited. By default, firstly previously accumulated bonuses are written off, and then Avans-bonuses.

You need to return the spent bonuses by the 15th day of the next month after the transaction.

For instance, in September you have 3 purchases:

24 bonuses — September 2nd,
16 bonuses — September 17th,
45 bonuses — September 28th

You need to return 85 bonuses by October 15th.

We will automatically calculate the amount of your transactions for the previous month, it must be paid on the 15th day of the month.

By transfer from Umico bonus account and via payment to Umico Bank.

We trust you, you do not need to provide documents.

We do not issue a loan to you and do not hide additional conditions.

Activation is free. Service fee – 2 bonus per month. You only pay commission when you use the service.

You can disable the service at any time in the settings. After disconnection, service charges will not be charged.