Updated October 14, 2026 · SumCue Editorial Team
PUMB vs SWK Bank
PUMB
Higher score in this comparison
SWK Bank
What sets them apart
| Compare | PUMBReviewSee alternativesSee alternatives | SWK BankReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 35.88% to 44.28% | 5.29% to 12.99%Lower |
| Loan amount | UAH 0 to UAH 500,000 | €7,500 to €100,000 |
| Term | 1 month | 24 to 120 monthsHigher |
| Arrangement fee | 0 UAH | 0 EUR |
| Funding time | about 5-10 minutes in the PUMB app after approval | Loan amount transferred to your current account within a few days |
| 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) | Ratenkredit: net loan 10,000.00 EUR over 84 months at 6.29% effective annual rate for two thirds of customers |
| Eligibility | Ukrainian citizens aged 18-70 with passport and TIN | At least 18 years old; main residence in Germany (employer's registered office likewise); at least six months with current employer and no probation; permanent employment; no negative SCHUFA or CRIF entry |
| Loan types | Credit line, Personal | Personal, Car, Debt consolidation, Secured |
| Credit check | Not confirmed | Hard |
| Credit needed | Not confirmed | Good |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at SWK Bank: 1959 vs 1991.
- APR is lower at SWK Bank: 5.29% to 12.99% vs 35.88% to 44.28%.
- Term is higher at SWK Bank: 24 to 120 months vs 1 month.
- Support channels: only PUMB offers Chat.
- Support channels: only SWK Bank offers Email.
- Loan types: only PUMB offers Credit line.
- Loan types: only SWK Bank offers Car, Debt consolidation, Secured.
Our verdict on each
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.
SWK Bank
SWK Bank suits borrowers in Germany with permanent employment who want a long fixed-rate instalment loan with no arrangement fee. Its APR of 5.29% to 12.99% sits well under the site median of 15.5%, and a fixed deposit at 3.21% gives savers a home for cash.
Score breakdown
| Area | PUMB | SWK Bank |
|---|---|---|
| Cost | Not confirmed | 9.3 |
| Offer | 9.7Higher | 9.6Origination fee of 0 EUR, APR of 5.29% to 12.99% against a site median of 15.5%. |
| Trust | 9.4 | 9.6Higher |
What each covers
| Loan types | PUMB | SWK Bank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | No | Yes |
| Use cases | PUMB | SWK Bank |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | PUMB | SWK Bank |
|---|---|---|
| Savings | 106 of 1492 | 109 of 1492 |
| Fixed-rate bonds and term deposits | 13 of 199 | 14 of 199 |
| Loans | 206 of 2043 | 209 of 2043 |
| Personal loans | 186 of 1317 | 188 of 1317 |
Every fact side by side
| Fact | PUMB | SWK Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line, Same day funding | Not confirmed |
| Legal entity | JSC FUIB | Sued-West-Kreditbank Finanzierung GmbH |
| Headquarters | Ukraine | Germany |
| Founded | 1991 | 1959Lower |
| Support channels | Chat, Phone, Help centre | Phone, Email, Help centre |
Savings
| Fact | PUMB | SWK Bank |
|---|---|---|
| Headline rate | UAH 4 to UAH 5 | 3.21% |
| Minimum deposit | UAH 100 | €10,000 |
| Deposit protection | Not confirmed | EU DGS up to EUR 100,000 |
| Access terms | Interest paid monthly to the card; partial withdrawal without restrictions; replenishment without any restrictions; early termination possible; auto prolongation provided | Fixed term, no early access during the agreed term, extension possible after term end |
| Monthly fee | Not confirmed | €0 |
| Account kind | Easy access | Fixed |
Where each stands against the rest
| Fact | PUMB | SWK Bank | Median |
|---|---|---|---|
| APR | 35.88% to 44.28%highest quarter | 5.29% to 12.99%below the median | 9.99 |
| Term | 1 monthlowest quarter | 24 to 120 monthshighest quarter | 60 months |
Median across 1096 listed providers.
Pros and cons
PUMB
Pros
- vseKARTA uses the customer’s own funds.
- The provider describes app opening and plastic-card ordering or branch pickup.
SWK Bank
Pros
- Arrangement fee of 0 EUR on the instalment loan
- APR of 5.29% to 12.99% against a site median of 15.5%
- Repay early free of charge on the instalment loan
Cons
- Loan amounts run €7,500 to €100,000, so smaller sums fall outside the range
- A hard credit check and good credit needed, so a negative entry rules you out
Who each suits
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.
SWK Bank
Who it suits
- German residents with permanent employment and a clean credit record
- Borrowers planning home improvements, a car purchase or debt consolidation
- Savers who can leave a fixed sum untouched for the agreed term
Who should look elsewhere
- Anyone wanting a higher rate ceiling, since Cashspace quotes APRs of PHP 12 to PHP 36
- Anyone on probation, self-employed, or carrying a negative credit entry
- Borrowers who want a variable rate, since the fixed rate here never reprices
Country by country
| Country | PUMB | SWK Bank |
|---|---|---|
| Germany | No | Yes |
| Ukraine | Yes | No |
Questions about each
SWK Bank
What does a SWK Bank instalment loan cost?+
The arrangement fee is 0 EUR, and the APR runs 5.29% to 12.99% on a fixed rate, so the cost holds steady across the term. A published representative example shows a net loan repaid over 24 to 120.
How much can I borrow and for how long?+
Loan amounts run €7,500 to €100,000 with terms of 24 to 120. Repayments are fixed, and early repayment carries no charge. The loan amount is transferred to your current account within a short wait.
Who can apply for a SWK Bank loan?+
You need permanent employment, a main residence in Germany, a minimum age and no negative credit entries. You must have been with your current employer for a set period and past probation. The check is hard, and good credit is needed to pass.
Is SWK Bank regulated and is my money protected?+
SWK Bank is supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) in Germany. Deposits held in a fixed term account carry EU DGS protection of EU DGS up to EUR 100,000. The stated limit applies to the deposit, and a loan is a separate arrangement.
Other options to compare
Other matchups
PUMB
SWK Bank