PUMB－Online Bank 24/7, Credit

PUMB is your personal mobile banking app, offering a wide range of financial services to make managing your finances convenient and rewarding. With the PUMB app, you can access banking services directly from your smartphone. Open and manage cards with no fees, transfer money, buy currency online, apply for credit, and even pay in installments – all in one place.
Main Features of PUMB:
• Commission-Free Card Opening and Management: Open a “vseKARTA” debit card or a “vseMOZHU Online” credit card through the PUMB mobile banking app, and top up your card.
• Easy Money Transfers: Transfer money from your "vseKARTA" and "vseMOZHU Online" cards using personal funds to other bank cards in hryvnia without any fees, using the recipient's card number or phone number.
• All-In-One Online Banking: Pay utility bills and traffic fines by IBAN or top up your mobile phone.
• Get Credit via Online Banking App: Apply for credit online with a credit limit of up to 300,000 UAH and a grace period of up to 62 days.
• Pay in Installments with service Splachuite chastynamy: No payments on the day of purchase.
• Get international money transfers from WesternUnion, PrivatMoney, Ria, and MoneyGram with no fees.
• Open Deposits: Open deposits directly in the PUMB app to earn extra interest on your savings.
• Save with MoneyBox: Use MoneyBox to grow your savings, earning 5% per annum on your account balance.
• Buy Currency Online: Order cash through this bank app or buy dollars and euros directly in the app, with a monthly limit equivalent to 49,999 UAH.
• Receive payments from the state under the eVidnovlennia and ePidtrymka programs through the bank app. Join the “Cashback. Made in Ukraine” program.
• Simplify your regular transactions by creating templates and setting up auto payments.
• Contactless Payments: Pay for purchases with Google Pay/Apple Pay.
Credit card. The maximum loan amount is UAH 300,000. The real annual interest rate is up to 44.28%. The maximum loan term is 12 months with auto-renewal for the same period.
Splachuite chastynamy. The maximum loan amount is UAH 300,000. The maximum loan term is 24 months. The real annual interest rate is up to 48.31%. There is no down payment and zero fee for the term from the store.
The “Invite a Friend” promotion runs from 03.11 to 21.12.2025, throughout Ukraine, in areas under Ukrainian control and not occupied, as well as outside Ukraine. The bonus is credited after the first payment made with the vseMOZHU Online card from PUMB, in the amount of UAH 100 or more. The bonus is UAH 500 for a card with a credit limit and UAH 200 for a card without a credit limit. The credit limit is set by the bank. Taxes and fees are withheld.
Details on the terms and conditions of the promotion: at pumb.ua in the “About the Bank / Promotions” section.
Get bonus 200 UAH: to participate in the promotion, open your first card in the PUMB app and make one payment with it for an amount of UAH 100 or more. The promotion runs from 03.11 to 21.12.2025, throughout Ukraine, including areas under Ukrainian control and not occupied, as well as outside Ukraine.
For details, visit pumb.ua in the “About the Bank/Promotions” section.
The credit limit is set by the banks decision.
Cashback of up to 5% is accrued for orders made through the "Splachuite chastynamy" installment plan via the Cashback stores in the PUMB app.
Cashback categories are determined individually for each participant and may vary from month to month. To receive cashback from the bank, connect the required categories in the PUMB app before making a payment. To receive cashback from partners, connect the required partner in the PUMB app before making a payment. Detailed terms, restrictions, and exceptions for cashback accrual are available on the PUMB website in the cashback section (pumb.ua/cashback) and in the PUMB app in the Benefits section.
The state registration of banks No.73 dated 23.12.1991. The Bank license of the NBU No.8 dated 06.10.2011.