PUMB review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
PUMB suits readers in Ukraine who want a plain debit card paying cashback of 20% and a free cash allowance of UAH 50,000. The trade-off is geography: JSC FUIB runs under a National Bank of Ukraine licence, so the offer is strong at home and thin for anyone living abroad.
Pros and cons
Pros
- Cashback of 20% on everyday purchases.
- A free cash allowance of UAH 50,000, which covers regular ATM use.
- Backed by JSC FUIB, a bank trading since 1991.
- Runs on mastercard, so it is accepted wherever that network is taken.
Cons
- The card is debit, so spending stops the moment the balance stops.
- The National Bank of Ukraine licence (8) covers a single market.
- Acceptance rests on mastercard, so it narrows wherever that network is used less.
Who it suits
- Readers in Ukraine who want a debit card paying 20% cashback on ordinary spending.
- People who often take money out, given a free allowance of UAH 50,000.
- Customers who would rather hold a card issued by JSC FUIB, a bank trading since 1991.
Who should look elsewhere
- Monzo Flex, if a UK account and a pounds allowance of £200 suit you better than hryvnias.
- Starling Personal Account Debit Card, whose allowance is £0, for readers who pay for cash instead of taking it free.
- Wise, whose allowance is £250, if your banking runs in pounds.
Who runs it
PUMB is issued by JSC FUIB, a bank that has traded since 1991. It is supervised by the National Bank of Ukraine, and its licence is listed as 8. Deposits and the card therefore sit with an established Ukrainian bank inside a single domestic system, so the question of who holds the balance has a plain answer.
How PUMB compares
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9.7 vs 9.0
9.7 vs 9.1
9.7 vs 8.9
9.7 vs 8.1
9.7 vs 8.2
9.7 vs 9.5
9.7 vs 9.4
9.7 vs 9.2
9.7 vs 9.1
9.7 vs 9.0
9.7 vs 8.9- 9.7 vs 8.8
9.7 vs 8.8
9.7 vs 8.6
9.7 vs 8.5
9.7 vs 8.3
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
Is the PUMB card a debit card or a credit card?+
It is a debit card, so every purchase comes straight out of the balance you hold. Nothing is extended to you at the till, and the card stops working once the money runs out. That makes it a plain spending tool rather than a way to borrow.
How much can I take out of ATMs for free?+
The card carries a free cash allowance of UAH 50,000. Withdrawals inside that allowance carry no charge, and the figure is set in hryvnia for a Ukrainian account. Confirm the cycle it applies to in the terms before you plan a heavy month of cash use.
How much cashback do I earn?+
Cashback runs at 20% on the card. It is a reward on spending rather than a cut to what you pay, so everyday purchases are where it counts. Which purchases qualify and how the reward reaches you comes down to the card terms.
Who runs PUMB and who supervises it?+
The card is issued by JSC FUIB, a bank that has traded since 1991. It is supervised by the National Bank of Ukraine, and its licence is listed as 8. The money and the card sit inside a single domestic banking system.
Which payment network does the card run on?+
It runs on mastercard, the network Ukrainian ATMs and shops are built around, so acceptance is broad at home. Abroad, acceptance follows wherever that network is taken, while the cash allowance on the card is set in hryvnia.
How does the cash allowance compare with Monzo Flex, Wise and Starling?+
The figures are set in different currencies, so read each against the account you hold. PUMB's free allowance is UAH 50,000, against £200 at Monzo Flex, £250 at Wise and £0 at Starling.
Can I use PUMB outside Ukraine?+
The licence is granted by the National Bank of Ukraine and listed as 8, so the account is built for a single market. The card is a debit card on mastercard, which means it can be presented abroad, but the account and its terms sit with a Ukrainian bank.
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/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”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Protection.