Updated October 21, 2026 · SumCue Editorial Team
Afranga vs PUMB
Afranga
PUMB
Higher score in this comparison
What sets them apart
| Compare | AfrangaReviewVisitVisit | PUMBReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 8% to 10% | UAH 4 to UAH 5 |
| Term | 3 to 12 monthsHigher | 1 month |
| Minimum deposit | €10 | UAH 100 |
| Access terms | Early withdrawal of up to 30% of the SaveSmart investment, max EUR 5,000, 1% fee | Interest paid monthly to the card; partial withdrawal without restrictions; replenishment without any restrictions; early termination possible; auto prolongation provided |
| Account kind | Fixed | Easy access |
| Deposit protection | None: not covered by any deposit guarantee scheme or investor compensation scheme | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Regulators | Financial Supervision Commission of Bulgaria | Not confirmed |
Same on both: Rate type (Fixed).
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Key differences
- PUMB scores higher overall: 9.5 vs 8.8.
- Founded is lower at PUMB: 1991 vs 2021.
- Term is higher at Afranga: 3 to 12 months vs 1 month.
- Support channels: only Afranga offers Email.
- Support channels: only PUMB offers Chat.
- Pricing model: only Afranga offers Low fees.
- Pricing model: only PUMB offers Fixed rate.
Our verdict on each
Afranga
Afranga is a peer-to-peer lending platform, and its SaveSmart product suits beginners who want a fixed target return over a short term, with an account fee of €0 and a minimum investment of €10. The money funds loans rather than sitting in a deposit, so it is outside every deposit guarantee scheme and investor compensation...
PUMB
PUMB’s vseKARTA is a debit card for the customer’s own funds. The provider describes opening the card in its app, with a plastic card available to order online or collect at a branch. These are debit-card options, not credit-card or deposit features.
Score breakdown
| Area | Afranga | PUMB |
|---|---|---|
| Cost | 9.0Free deposits and withdrawals, plus an entry point of €10, keep the cost side simple for a saver. | Not confirmed |
| Offer | 9.3Headline rate of 8% to 10% at a fixed rate over 3 to 12 months, against a site median headline rate of 3%. | 9.7Higher |
| Trust | 8.3A named company trading since 2021 under Resolution 863/12.09.2023, with no protection scheme behind the funds. | 9.4Higher |
Positions in our rankings
| Ranking | Afranga | PUMB |
|---|---|---|
| Savings | 39 of 1492 | 106 of 1492 |
| Fixed-rate bonds and term deposits | 5 of 199 | 13 of 199 |
If neither fits
DKB has term at 12 to 120 months, against 3 to 12 months for Afranga and 1 month for PUMB.
DKB reviewSources behind this comparison
Afranga
- afranga.com: 14 facts, checked October 1, 2026
PUMB
- pumb.ua: 9 facts, checked September 26, 2026
- persona.pumb.ua: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Afranga | PUMB |
|---|---|---|
| Pricing model | Low fees | Fixed rate |
| Legal entity | Afranga EOOD | JSC FUIB |
| Headquarters | Bulgaria | Ukraine |
| Founded | 2021 | 1991Lower |
| Support channels | Email, Phone, Help centre | Chat, Phone, Help centre |
Loans
| Fact | Afranga | PUMB |
|---|---|---|
| APR | Not confirmed | 35.88% to 44.28% |
| Loan amount | Not confirmed | UAH 0 to UAH 500,000 |
| Arrangement fee | Not confirmed | 0 UAH |
| Funding time | Not confirmed | about 5-10 minutes in the PUMB app after approval |
| Representative example | Not confirmed | Real annual interest rate 44.28% per annum; APR range 35.88%-44.28% (35.88% card payments only, 44.28% payments, transfers, cash withdrawals) |
| Features | Not confirmed | Credit line, Same day funding |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | Ukrainian citizens aged 18-70 with passport and TIN |
| Loan types | Not confirmed | Credit line, Personal |
| Use cases | Not confirmed | Home improvement |
Credit cards
| Fact | Afranga | PUMB |
|---|---|---|
| Audience | Beginners | Not confirmed |
Where each stands against the rest
| Fact | Afranga | PUMB | Median |
|---|---|---|---|
| Term | 3 to 12 monthslowest quarter | 1 monthlowest quarter | 60 |
| Monthly fee | €0at the median | Not confirmed | €0 |
Median across 617 listed providers.
Pros and cons
Afranga
Pros
- Support runs on email, phone and help centre, so a phone line sits alongside written replies and a help centre.
- The service is aimed at beginners, and the money goes into a single fixed account rather than a mixed pot.
- Afranga runs on a low fees model, which keeps the pricing short instead of tiered.
Cons
- Protection is thin: deposit protection and investor protection are both absent, so neither a deposit guarantee scheme nor an investor compensation scheme stands behind the balance if Afranga fails.
- Access terms cut both ways, since early withdrawal reaches only part of the investment, capped at a ceiling, with a percentage fee on the amount taken.
- The term runs 3 to 12 months, shorter than a site median term of 36, so the fixed return is tied up for a brief window.
PUMB
Pros
- vseKARTA uses the customer’s own funds.
- The provider describes app opening and plastic-card ordering or branch pickup.
Who each suits
Afranga
Who it suits
- Beginners placing a first sum somewhere, since the service is aimed at beginners.
- Savers who can commit for a term of 3 to 12 months and want the return set at the start.
- Anyone comfortable holding the balance themselves, with no deposit guarantee scheme or investor compensation scheme behind it.
Who should look elsewhere
- Savers who want the smallest possible start, since XTB takes a minimum deposit of €0.
- Anyone comparing entry cost across platforms, with Bitpanda taking a minimum deposit of €1 and Afranga asking €10.
- Savers who want a guaranteed payout behind the balance: no deposit guarantee scheme or investor compensation scheme covers the money here.
PUMB
Who it suits
- Customers looking for a debit card and more than one way to obtain a plastic card.
Who should look elsewhere
- People looking for a credit line rather than a debit card using their own funds.
Country by country
| Country | Afranga | PUMB |
|---|---|---|
| Ukraine | No | Yes |
Questions about each
Afranga
What rate does Afranga pay on SaveSmart?+
The headline rate is 8% to 10% a year, and the rate type is fixed, so the return is set when the account opens rather than following the market. For scale, the median headline rate across the site is 3%. The money goes into a single fixed account.
How long do I have to leave my money in?+
The term is 3 to 12 months, which is short next to a site median term of 36. Because the account kind is fixed and the rate is fixed, both the return and the dates are fixed at the start, which suits people who can treat the sum as set aside.
What does it cost to open and use the account?+
The account fee is €0, and money moves in either direction without charge: Depositing money Free; Withdrawing money Free. On the site that places Afranga at position 1 of 151 brands ranked on account fee. The cost that does exist comes from leaving the term early.
How much do I need to deposit?+
The minimum deposit is €10, which puts Afranga at position 112 of 195 brands on that measure. Bitpanda takes a minimum deposit of €1 and XTB takes €0, so entry is cheaper elsewhere even though Afranga's floor stays modest.
Other options to compare
Other matchups
Afranga
PUMB