PUMB review
Updated October 14, 2026 · SumCue Editorial Team · Facts checked October 14, 2026
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Our verdict
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.
Key facts
- Best for
- PUMB customers comparing app-based card opening with plastic-card options.
- Free ATM withdrawals
- UAH 50,000↗
- Card type
- Debit↗
- Cashback rate
- 20%↗
- Card network
- Mastercard↗
- Legal entity
- JSC FUIB↗
- Headquarters
- Ukraine↗
- Founded
- 1991↗
- Support channels
- Chat, Phone, Help-centre↗
- Features
- Credit line, Same-day funding
- Official website
- pumb.ua
Loans
- APR
- 35.88% to 44.28%↗
- Loan amount
- UAH 0 to UAH 500,000↗
- Term
- 1 month↗
- Arrangement fee
- 0 UAH↗
- Funding time
- about 5-10 minutes in the PUMB app after approval↗
- Representative example
- 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)↗
- Rate type
- Fixed↗
- Lender type
- Direct lender↗
- Free early repayment
- Yes↗
- Eligibility
- Ukrainian citizens aged 18-70 with passport and TIN↗
- Loan types
- Credit-line, Personal↗
- Use cases
- Home-improvement↗
- Pricing model
- Fixed rate
Savings
- Headline rate
- UAH 4 to UAH 5↗
- Minimum deposit
- UAH 100↗
- Access terms
- Interest paid monthly to the card; partial withdrawal without restrictions; replenishment without any restrictions; early termination possible; auto prolongation provided↗
- Account kind
- Easy access↗
Facts checked September 26, 2026, 8 sources
Pros
Pros
- vseKARTA uses the customer’s own funds.
- The provider describes app opening and plastic-card ordering or branch pickup.
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.
Card options
PUMB describes vseKARTA as a debit card for own funds, with app opening and plastic-card ordering online or pickup at a branch.
How PUMB compares
9.5 vs 9.4
9.5 vs 9.0
9.5 vs 8.9
9.5 vs 9.4
9.5 vs 8.7
9.5 vs 9.2
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9.5 vs 9.2
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9.5 vs 8.8
9.5 vs 9.0
9.5 vs 8.6
9.5 vs 8.3
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9.5 vs 9.4
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9.5 vs 9.0
9.5 vs 9.0
9.5 vs 9.0
9.5 vs 8.9
9.5 vs 8.8
9.5 vs 8.7
9.5 vs 8.5
9.5 vs 8.4
9.5 vs 8.0- 9.5 vs 8.0
Where PUMB is available
- Available
- Ukraine
- Licence in Ukraine
- National Bank of Ukraine (8), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Which company operates PUMB?+
PUMB is operated by JSC FUIB. (Source, checked September 26, 2026)
Where is PUMB based?+
PUMB is based in Ukraine. (Source, checked September 26, 2026)
When was PUMB founded?+
PUMB was founded in 1991. (Source, checked September 26, 2026)
How can I contact PUMB support?+
PUMB offers support through Chat, Phone, Help-centre. (Source, checked September 26, 2026)
Sources
- persona.pumb.ua/PdfFile/46/en/file.pdf checked September 26, 2026
Backs: Founded, Legal entity, Licences
“State Registration of Banks No.73 dated 23.12.1991 - JSC FUIB”
- pumb.ua checked September 26, 2026
Backs: Headquarters
“Kyiv, Ukraine”
- pumb.ua/en/deposit/deposit_free checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
“Partial withdrawal Yes, without restrictions with the payment of all previously accrued interest; Interest payment On your FUIB card; Auto prolongation Provided; Replenishment Yes, without any...”
- pumb.ua/en/zaprosi-druga checked September 26, 2026
Backs: Support channels
“Chat with us in the PUMB app. Call our hotline: +38 044 290 7 290, +38 096 290 7 290, +38 050 290 7 290, +38 093 290 7 290”
- pumb.ua checked September 26, 2026
Backs: Lender type
“First Ukrainian International Bank; License of the NBU No.8 dated on 06.10.2011”
- pumb.ua/en/card_bank/vsekarta checked September 26, 2026
Backs: Free ATM withdrawals, Card type, Cashback rate, Card network
“cash withdrawals at any ATM in Ukraine up to 50 000 UAH per month - Card vseKARTA”
- pumb.ua/en/credit checked September 26, 2026
Backs: Eligibility, Features, Free early repayment, Loan types
“you are a citizen of Ukraine; you can provide your passport and TIN (individual tax number); your age is between 18 and 70 years old”
- pumb.ua/en/credit/p-credit-online checked September 26, 2026
Backs: Loan amount, APR, Funding time, Arrangement fee, Representative example, Use cases
“Credit limit amount from 0 to 500,000 UAH”
Compiled from 8 source pages, checked October 14, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Protection.
Related by the facts
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PUMB customers comparing app-based card opening with plastic-card options.