Updated October 14, 2026 · SumCue Editorial Team
EstateGuru vs PUMB
EstateGuru
PUMB
Higher score in this comparison
What sets them apart
| Compare | EstateGuruReviewVisitVisit | PUMBReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7% | UAH 4 to UAH 5 |
| Minimum deposit | €100 | UAH 100 |
| Access terms | KYC-completed Estateguru account required; interest paid monthly; no early exit, portfolio loans cannot be sold on the secondary market until borrower repayment | 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 |
| Term | Not confirmed | 1 month |
| Deposit protection | EU DGS up to EUR 100,000 | 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 2013 to 2014.
- EstateGuru is licensed in 2 more countries.
- Support channels: only EstateGuru offers Email.
Our verdict on each
EstateGuru
EstateGuru pays 7% on its fixed loan based notes, with interest credited monthly and deposits covered by EU DGS up to EUR 100,000. It suits lenders who can leave cash in place and want the rate set from the day they join.
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 | EstateGuru | PUMB |
|---|---|---|
| Cost | 8.3 | Not confirmed |
| Offer | 9.8Higher | 9.7 |
| Trust | 8.6 | 9.4Higher |
How they place
| Ranking | EstateGuru | PUMB |
|---|---|---|
| Savings | 37 of 1492 | 106 of 1492 |
| Fixed-rate bonds and term deposits | 4 of 199 | 13 of 199 |
| Loans | 882 of 2043 | 206 of 2043 |
| Mortgages | 15 of 853 | 62 of 853 |
Licences and countries
| Country | EstateGuru | PUMB |
|---|---|---|
| Estonia | Not confirmed | |
| Finland | Not confirmed | |
| Lithuania | Not confirmed | |
| Ukraine | Not confirmed |
Sources behind this comparison
EstateGuru
- estateguru.co: 10 facts, checked September 26, 2026
- fi.ee: 1 fact, checked September 26, 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 | EstateGuru | PUMB |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | Estateguru OU | JSC FUIB |
| Headquarters | Estonia | Ukraine |
| Founded | 2013 to 2014 | 1991Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Chat, Phone, Help centre |
Mortgages
| Fact | EstateGuru | PUMB |
|---|---|---|
| Initial rate | 7.2% | Not confirmed |
| Fixed period | 3 years | Not confirmed |
| Maximum loan to value | 75% | Not confirmed |
| Lender type | Not confirmed | Direct lender |
Loans
| Fact | EstateGuru | 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 |
| 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 |
Where each stands against the rest
| Fact | EstateGuru | PUMB | Median |
|---|---|---|---|
| Term | Not confirmed | 1 monthlowest quarter | 60 months |
Median across 617 listed providers.
Pros and cons
EstateGuru
Pros
- A fixed rate of 7% held for the whole term
- Interest is credited to the account every month
- Deposits sit under EU DGS up to EUR 100,000
Cons
- Cash in the notes stays in place for the full term, with the rate held at 7% throughout
- The portfolio loans behind the notes stay off the secondary market until the borrower has repaid
- An Estateguru account with completed identity checks is required before you can hold notes
PUMB
Pros
- vseKARTA uses the customer’s own funds.
- The provider describes app opening and plastic-card ordering or branch pickup.
Who each suits
EstateGuru
Who it suits
- Lenders who want a fixed rate and can leave the cash in place
- Property investors who prefer monthly income from loans that run to term
- Savers with €100 or more who weigh cover above access
Who should look elsewhere
- Anyone who may need the money back before the term ends
- bunq, whose 3.01% pays less but keeps the balance open
- Wise, whose 3.29% suits everyday cash rather than a fixed note
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 | EstateGuru | PUMB |
|---|---|---|
| Ukraine | No | Yes |
Questions about each
EstateGuru
What rate does EstateGuru pay on its notes?+
The headline rate is 7% on fixed terms, set when you join and then held for the whole term. Interest is credited to your account every month rather than at the end of the term.
Is my money protected at EstateGuru?+
Deposits are covered by EU DGS up to EUR 100,000. The provider is listed with Finantsinspektsioon, the Estonian Financial Supervision and Resolution Authority, under registration 4.1-1/48, and it appears among the crowdfunding service providers that regulator supervises.
How much do I need to put in?+
The minimum deposit is €100, a low entry point for a fixed rate product. The money is then placed into property loans funded through the platform rather than sitting as a cash balance.
Can I get my money back before the term ends?+
Cash in the notes stays in place for the full term, since early exit sits outside the platform's terms. The portfolio loans behind the notes also stay off the secondary market until the borrower has repaid.
Other options to compare
Other matchups
EstateGuru
PUMB