Updated October 14, 2026 · SumCue Editorial Team
Finom vs PUMB
Finom
PUMB
Higher score in this comparison
What sets them apart
| Compare | FinomReviewVisitVisit | PUMBReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 5% | UAH 4 to UAH 5 |
| Minimum deposit | €0 | UAH 100 |
| Access terms | Instant access, withdraw at any time with no withdrawal penalties | Interest paid monthly to the card; partial withdrawal without restrictions; replenishment without any restrictions; early termination possible; auto prolongation provided |
| Account kind | Cash management | Easy access |
| Term | Not confirmed | 1 month |
| Deposit protection | EU DGS up to EUR 100,000 | Not confirmed |
| Monthly fee | €0 | Not confirmed |
Same on both: Rate type (Fixed).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- PUMB scores higher overall: 9.5 vs 8.9.
- Founded is lower at PUMB: 1991 vs 2019.
- Finom is licensed in 1 more country.
- Finom is available in 10 more countries.
- Support channels: only Finom offers Email, Community.
- Support channels: only PUMB offers Phone.
- Pricing model: only Finom offers No monthly fee.
Our verdict on each
Finom
Finom is a cash management account for a business audience that pays a fixed 5% headline with a monthly fee of €0 and instant access whenever cash is needed. It suits companies that hold euro reserves and want deposit protection of EU DGS up to EUR 100,000 without locking the money away.
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 | Finom | PUMB |
|---|---|---|
| Cost | 9.3Running costs stay light: €0 monthly fees on the cash management account, plus a minimum deposit of €0. | Not confirmed |
| Offer | 9.7The fixed 5% headline, cashback of up to 3% and instant access with no withdrawal penalties cover interest and reward. | 9.7 |
| Trust | 8.2 | 9.4Higher |
Where they rank in our lists
| Ranking | Finom | PUMB |
|---|---|---|
| Savings | 3 of 1492 | 106 of 1492 |
| Fixed-rate bonds and term deposits | 1 of 199 | 13 of 199 |
| Credit and debit cards | 2 of 1594 | 132 of 1594 |
Sources behind this comparison
Finom
- finom.co: 12 facts, 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 | Finom | PUMB |
|---|---|---|
| Pricing model | No monthly fee, Fixed rateCovers more | Fixed rate |
| Legal entity | PNL Fintech B.V. | JSC FUIB |
| Headquarters | Netherlands | Ukraine |
| Founded | 2019 | 1991Lower |
| Support channels | Email, Chat, Help centre, Community | Chat, Phone, Help centre |
Credit cards
| Fact | Finom | PUMB |
|---|---|---|
| APR | Not confirmed | 35.88% to 44.28% |
| Rewards type | Cashback | Not confirmed |
| Features | Rewards | Credit line, Same day funding |
| Rewards rate | up to 3% | Not confirmed |
| Audience | Business | Not confirmed |
Loans
| Fact | Finom | PUMB |
|---|---|---|
| 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) |
| 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 |
Where each stands against the rest
| Fact | Finom | PUMB | Median |
|---|---|---|---|
| Term | Not confirmed | 1 monthlowest quarter | 60 months |
| Monthly fee | €0at the median | Not confirmed | €0 |
Median across 617 listed providers.
Pros and cons
Finom
Pros
- A fixed 5% headline, above bunq at 3.01% and Wise at 3.29%.
- The cash management account carries a monthly fee of €0 and a minimum deposit of €0, so nothing is taken back out of the balance.
- Instant access with no withdrawal penalties, so cash can move the same day it lands.
Cons
- Support runs on email, chat and help centre only, so an urgent payment problem has no phone line to call.
- The fixed 5% rate is set rather than linked, so it carries no upside if market rates climb further.
- Deposit protection runs as EU DGS up to EUR 100,000, so a balance above that ceiling carries the risk itself.
PUMB
Pros
- vseKARTA uses the customer’s own funds.
- The provider describes app opening and plastic-card ordering or branch pickup.
Who each suits
Finom
Who it suits
- Companies that keep euro working capital in one place and draw on it as invoices clear, on a fixed rate of 5%.
- Business owners who care more about fees than flexibility, since the monthly charge is €0.
- Firms that want deposit protection of EU DGS up to EUR 100,000 without giving up instant access.
Who should look elsewhere
- Personal savers weighing bunq or Wise, because the account is built for a business audience rather than households.
- Anyone who needs a phone line, since support runs on email, chat and help centre only while 80.2% of savings brands take calls.
- Anyone holding more cash than the guarantee scheme covers, since protection runs as EU DGS up to EUR 100,000.
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.
Current offers
Finom
Current offer
Bonus
Fixed 5% p.a. on EUR funds for the first 5 months: 5% p.a. fixed for 5 months on up to EUR 200,000
Interest Account, new EUR funds; promo rate for the first 5 months, then standard rate from 0.5% to 2.25% p.a. depending on plan; up to EUR 200,000 held; market analysis dated March 2026; Aksys client agreement terms apply
Source, checked September 26, 2026
Free trial
30-day trial on paid plans: 30 days
Paid Basic and Smart plans, excl. VAT; paid monthly or yearly
Source, checked September 26, 2026
First period offer
3 months for free for partners customers only: 3 months free
Customers introduced through the Finom Partner Program
Source, checked September 26, 2026
Country by country
| Country | Finom | PUMB |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Cyprus | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Italy | Yes | No |
| Netherlands | Yes | No |
8 of 12 countries where either is available.
Questions about each
Finom
What interest rate does Finom pay?+
Finom pays a headline rate of 5% on its cash management account, and the rate is fixed. That figure is set rather than something that follows a base rate, so the headline shown is the rate the account pays for as long as it runs. Cashback of up to 3% adds a further stream of return on top of the interest.
Is there a monthly or annual fee?+
Monthly fees on the cash management account are €0, and the pricing model is a no monthly fee setup alongside a fixed rate. The interest is the return line and nothing further is taken from the balance, so a business holding a large euro float keeps the whole 5% headline.
Is my money protected?+
Balances are covered by the European deposit guarantee scheme, with protection running EU DGS up to EUR 100,000. Anything held above that figure sits outside the cover, so a business keeping a large float would need to spread it. The provider is supervised in the Netherlands by De Nederlandsche Bank under licence R180074.
Can I get my money out quickly?+
Access terms are instant: you can withdraw at any time and there are no withdrawal penalties on the balance. That matters for a cash management account, where the money is working capital rather than a deposit you plan to lock away. The 5% rate keeps running on whatever stays in the account.
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Finom
PUMB