PUMB review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
PUMB is a Ukrainian bank aimed at businesses and travellers who want everyday banking with nothing to pay, and its easy-access deposit pays UAH 4 to UAH 5 with interest credited to the card monthly. The catch is reach: 5 currencies, where other providers in these lists carry far more.
Key facts
- Best for
- Business and travel money in Ukraine with no monthly fee, no conversion charge and free card cash.
- Monthly fee
- UAH 0↗
- Currency conversion fee
- 0%↗
- Currencies
- 5↗
- Local account details
- IBAN↗
- Free ATM withdrawals
- UAH 50,000↗
- Transfer fee
- 0% in the PUMB app for transfers to cards of other banks; 0.5% of the amount (min 3 UAH, max 500 UAH) for transfers to accounts of other banks; 1.5% at the branch cash desk; 0.9% to a foreign bank's currency card↗
- Legal entity
- Перший Український Міжнародний Банк↗
- Headquarters
- Ukraine↗
- Founded
- 1991↗
- Support channels
- Phone, Help-centre, Email, Chat↗
- Audience
- Business, Travelers
- Pricing model
- No monthly fee
- Features
- Free ATM withdrawals
- Official website
- pumb.ua
Savings
Pros and cons
Pros
- Monthly fee UAH 0 and currency conversion fee 0%, which puts PUMB at position 1 of 312 brands on conversion costs.
- The easy-access deposit pays UAH 4 to UAH 5, interest lands on the card monthly, and top-ups and partial withdrawals carry no restrictions.
- Cash withdrawals are free up to UAH 50,000, with local account details in the form of iban for being paid into the account at home.
- Regulated by the National Bank of Ukraine under licence 8, with support on phone, help centre and email.
Cons
- Only 5 currencies are held, which leaves PUMB at position 156 of 379 on currency count.
- Transfers to another bank's account, the branch cash desk and a foreign currency card all charge more than the free in-app card transfers, where the listed transfer fee is UAH 0.
Who it suits
- Businesses and travellers, the audiences PUMB is built for, who want to hold and spend in Ukraine.
- Anyone who wants an everyday card with no monthly charge and free cash withdrawals up to UAH 50,000.
- Savers who want UAH 4 to UAH 5 credited to the card monthly and can still close the deposit early.
Who should look elsewhere
- Skrill, if you need a long currency list rather than 5 currencies in one account.
- Plazo ES, priced in euro with a monthly fee of €0, if you would rather bank outside Ukraine.
Where it sits among rivals
On currency conversion fee PUMB ranks at position 1 of 312 brands, the strongest result on that measure and the reason it costs lead. Currency count runs the other way, at position 156 of 379 brands, because a domestic Ukrainian bank carries far fewer currencies than the multi-currency accounts that fill these lists.
Fees and currency costs
The monthly fee on the everyday card account is UAH 0 and the currency conversion fee is 0%. Transfers inside the app to cards at other banks are free, so the listed transfer fee of UAH 0 applies there. Payments to another bank's account take a percentage with a floor and a cap, the branch cash desk charges more, and a foreign bank's currency card costs more again.
How PUMB compares
9.4 vs 8.7
9.4 vs 8.6
9.4 vs 8.0
9.4 vs 8.9
9.4 vs 9.1
9.4 vs 9.2
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 8.7
9.4 vs 9.0Skrill's monthly fee is €0, matching PUMB's UAH 0; currency coverage is where the two differ, with 5 here.
9.4 vs 8.7
9.4 vs 9.5
9.4 vs 9.4
9.4 vs 9.3
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.2
9.4 vs 9.1
9.4 vs 9.0
9.4 vs 9.0
9.4 vs 8.9
9.4 vs 8.9- 9.4 vs 8.9
9.4 vs 8.7
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.5
9.4 vs 8.4
9.4 vs 8.3
9.4 vs 8.2
9.4 vs 8.1- 9.4 vs 8.1
9.4 vs 8.0
9.4 vs 8.0
9.4 vs 8.0
9.4 vs 9.1
Where PUMB is available
- Available
- Ukraine
- Licence in Ukraine
- National Bank of Ukraine (NBU) (8), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to keep a PUMB account open?+
The monthly fee on the everyday card account is UAH 0, and PUMB is set up as a no monthly fee account. Spending the balance in another currency costs 0% in conversion, so the everyday costs of holding and using the card sit at the bottom of the range.
Who regulates PUMB?+
PUMB is Перший Український Міжнародний Банк, a Ukrainian bank based in Ukraine, and it holds licence 8 from the National Bank of Ukraine. Supervision sits with that central bank, and the bank has been operating since 1991.
What does the PUMB saving pay?+
The easy-access deposit pays UAH 4 to UAH 5 on a fixed basis, with a term of 1 and a minimum deposit of UAH 100. Interest is paid monthly to the card, top-ups and partial withdrawals carry no restrictions, and you can close the deposit early, with automatic prolongation if you leave it in place.
How do I withdraw or top up?+
Cash withdrawals from the card are free within the allowance of UAH 50,000. On the deposit side, replenishment carries no restrictions and partial withdrawals are unrestricted, so the easy access account can be topped up and drawn down as often as needed without giving up the rate.
Which currencies and local payment details do I get?+
PUMB holds 5 currencies on the card, which is a narrow list for anyone moving money across many markets. Local payment details come in the form of iban, so you can be paid into the account domestically in the usual way.
How fast are transfers and what do they cost?+
Transfers in the app to cards at other banks carry no charge, and the listed transfer fee is UAH 0. Transfers to another bank's account take a percentage with a floor and a cap, branch cash desk payments cost more, and payouts land on a card with instant delivery in the app and same-day options on business days.
Who is the account aimed at?+
PUMB is built for business and travelers. Businesses get an everyday card with no monthly charge and a deposit paying UAH 4 to UAH 5 on a short term, while travellers can hold several currencies, draw local cash free up to UAH 50,000 and receive payments into iban details.
Sources
- pumb.ua checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Local account details, Support channels, Licences
- pumb.ua/en/deposit/deposit_free checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, 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/abroad checked September 26, 2026
Backs: Delivery time, Payout methods, Fee to send 1,000
- pumb.ua/card_bank/pumb_online_abroad checked September 26, 2026
Backs: Audience
- pumb.ua/card_bank/vsekarta checked September 26, 2026
Backs: Free ATM withdrawals, Currencies, Features, Currency conversion fee, Pricing model, Monthly fee, Transfer fee
“UAH USD EUR PLN GBP”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection.
Related by the facts
Guides
PUMB
Business and travel money in Ukraine with no monthly fee, no conversion charge and free card cash.