# PUMB - Online Bank 24/7 — Mobile Banking App

> Comprehensive mobile banking app for card management, transfers, credit, and payments. (iPhone/iPad app by FIRST UKRAINIAN INTERNATIONAL BANK PJSC.)

- Source: https://appshunter.io/ios/app/pumb-online-bank-247/id1373626840 (this page in markdown: same URL + `.md`)
- Developer: [FIRST UKRAINIAN INTERNATIONAL BANK PJSC](https://appshunter.io/developer/1034697603)
- Category: Finance
- Price: Free
- Rating: 4.70/5 from 531 App Store ratings · 151 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.0 · 789 MB
- Languages: American English, Ukrainian
- Released: 2018-11-19
- Data updated: 2026-08-25
- Monetization: free with in-app purchases
- User reviews in markdown: https://appshunter.io/ios/app/pumb-online-bank-247/id1373626840/reviews.md

## What is PUMB?

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 500,000 UAH and a grace period of up to 62 days. The maximum loan amount is UAH 500,000. The actual annual interest rate is up to 83.25% per annum. The loan term is up to 24 months. The commission ranges from 1.99% to 2.99%. Details are available in the PUMB app.
• Pay in Installments with service Splachuite chastynamy with the first payment due in a month. The maximum amount is UAH 500,000, the actual annual interest rate is up to 48.31%, and the maximum term is 24 months. No down payment is required. No overpayments for the term from the store.
• Get international money transfers WesternUnion, Payoneer, Ria, and MoneyGram with no fees.
• Open Deposits in the PUMB app.
• Save with MoneyBox: Interest rate on the balance of funds in the card account is 5% per annum.
• Buy Currency Online: Purchase currency without commission in the PUMB app at a favorable exchange rate.
• Receive payments from the state under the eVidnovlennia and ePidtrymka programs through the bank app.
• Simplify your regular transactions by creating templates and setting up auto payments.
• Contactless Payments with Apple Pay.


vseMOZHU Online credit card. The maximum loan amount is UAH 500,000. The interest rate is 2.99% per month after the end of the grace period. The actual annual interest rate is up to 44.28%. The loan term is 240 months with automatic renewal for the same term.

The phrase “Here's money, only profitable” means the ability to use credit funds for various categories of purchases.

The credit limit is set by the banks decision.

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.

## Key features

- Commission-free card opening and management
- Fee-free money transfers
- Online credit applications
- Utility bill and fine payments
- Installment payments
- International money transfers
- Online currency purchase

## What do users think of PUMB?

Overall sentiment: mixed

**Pros**

- 👍 User-friendly and intuitive interface
- 💰 Zero commission fees
- 🚀 Fast and convenient transactions
- ✨ Beautiful and modern design
- 📱 Comprehensive mobile banking functionality
- 🔒 Secure authentication methods
- 💡 Regular app improvements and updates
- 🌍 Works reliably from abroad
- 📊 Good currency exchange features
- ⭐ Competitive with top Ukrainian banks

**Cons**

- 🐛 Frequent app crashes and freezes
- ⏱️ Slow performance and loading times
- 🔐 Account blocking without clear explanation
- 📲 Excessive and frequent app updates
- 🚫 Cannot close accounts online
- ⚠️ Verification issues with Diya system
- 🔔 Notification settings don't work properly
- 💳 Cannot add cards to Apple Pay
- 🌐 Web version access limitations
- 😤 Poor customer support responsiveness
- 🚫 Confusing app navigation and logic
- 💸 Blocked accounts with funds trapped

**Commonly reported bugs**

- Login fails with technical error messages
- App doesn't load account information (timeout errors)
- Verification via Diya not working
- Face ID authentication errors
- Infinite loading after password entry
- App crashes on notification history section
- Utility payment processing errors
- Double charging on failed transactions
- iOS compatibility issues (iOS 15+, iPhone 5S)
- App freezes on loading screen
- Cannot access USD card settings
- Automatic logout after each update
- Performance issues on iPhone 14 Pro Max
- Registration errors during account creation
- Transfer errors at late hours

**Most requested features**

- Online account closure functionality
- Payment receipt download feature
- Saved card templates for recurring payments
- Apple Pay support for all cards
- Currency converter in app
- Receiver name display on transfers
- Full card details display (number, CVV, expiry)
- iPad version of app
- Automatic loan payment processing
- Utility payment history and details
- Consolidated payment purpose field
- Hide blocked/inactive cards option
- Accessibility features for visually impaired users

## Recent user reviews (10 of 151)

All indexed reviews: https://appshunter.io/ios/app/pumb-online-bank-247/id1373626840/reviews.md

### 5/5 — Дуже непогано

*2026-08-15*

Не очікував але 5stars

**Developer response:** Вітаємо. Дякуємо за зворотній зв'язок та п'ять зірок😉

### 1/5 — Мошенники!

*2026-05-03, version 2.331.2*

scammers, deception

### 1/5 — Відкрити рахунок можна, закрити не можна.

*2025-12-05*

Блокують рахунок не повертають гроші , у відділенні відповіді немає. Навіть завідуючий відділенням не змогла пояснити що коїться з рахунком, та допомогти вона нічим не може.  Гроши не повернули, рахунок заблоковано. Банк скам.

### 5/5 — Great application

*2025-11-29, version 2.320.1*

Looking great, convenient to use, plenty of options to use. And zero commissions is great!

### 5/5 — Best app through all banks in Ukraine 💪🏿

*2025-11-24, version 2.319.3*

Love it ! Good work of the developers 🥰

### 5/5 — Perfect bank

*2025-11-21, version 2.319.2*

Perfect bank

### 3/5 — Как часто это приложение нужно обновлять ?

*2025-11-09, version 2.318.4*

Вы выпускаете обновление по каждому поводу, какие то сторис, ненужные функции, лучше бы сосредоточились на более важных вещах, это банк или соц.сеть ?

### 5/5 — Неймовірний банк

*2025-11-06, version 2.318.3*

Я в такому приємному шоці, так приємно користуватись додатком, він дуже зручний і дуже красивий!

### 5/5 — Супер

*2025-09-26, version 2.315.2*

Легка реєстрація, комфортне користування.

### 5/5 — Оновлення дістали

*2025-09-02, version 2.314.1*

Додаток гарний, все функціонує, сервісів багато. Трохи заплутана логіка розміщення платіжок та частини сервісів, проте з цим можна миритися. ОНОВЛЕННЯ!!! Інколи по три рази на день нова версія… найбільш часто оновлюваний додаток і котрий займає найбільше місця… Ви там на кожну кому апдейт викатуєте?) може варто хоч трохи «накопити»?

## Frequently asked questions about PUMB

### What can I do with the PUMB mobile banking app?

The app allows you to open and manage cards commission-free, transfer money to other cards without fees, pay utility bills and traffic fines, apply for credit up to 500,000 UAH, make installment payments, receive international money transfers, open deposits, buy currency online, and simplify transactions with templates and auto-payments.

### How do I apply for credit through the app?

You can apply for credit directly within the PUMB app. The app offers a credit limit of up to 500,000 UAH with a grace period of up to 62 days. The actual annual interest rate can be up to 83.25%, and the loan term is up to 24 months, with commissions ranging from 1.99% to 2.99%.

### Is there a cost to use the PUMB app?

The app itself is free to download and use for its core banking functions. While many services like card opening and money transfers are commission-free, there may be associated costs for credit products, such as interest rates and commissions, which are detailed within the app.

### What are the benefits of the 'vseKARTA' and 'vseMOZHU Online' cards?

The 'vseKARTA' debit card and 'vseMOZHU Online' credit card can be opened and managed commission-free through the app. The 'vseMOZHU Online' credit card offers a credit limit of up to 500,000 UAH and features like installment payments and potential cashback opportunities.

### Can I make international money transfers with this app?

Yes, you can receive international money transfers from services like Western Union, Payoneer, Ria, and MoneyGram through the PUMB app without incurring any fees from the bank.

## Version history (last 5 releases)

### 2.339.2 — 2026-08-24

We like to keep things organized. When a deposit gets closed, its agreement will now be kept in Deposit archive.

Update the app and find what you need with ease!

### 2.339.1 — 2026-08-18

We like to keep things organized. When a deposit gets closed, its agreement will now be kept in Deposit archive. 

Update the app and find what you need with ease!

### 2.338.1 — 2026-08-04

We've saved the details, so you don't have to. You can now view your currency exchange history in Currency space and the transaction history for every closed deposit in Deposit archive.  
Update the app and keep everything within easy reach.

### 2.337.2 — 2026-07-31

Open banking keeps growing. You can now add your monobank accounts to PUMB in Finances.  

The NBU allows non-resident clients to transfer funds abroad via SWIFT. We've added new payment purposes for these transfers, so you can transfer money to yourself or someone else abroad.  

Update the app to get the latest features.

### 2.337.1 — 2026-07-21

Open banking keeps growing. You can now add your monobank accounts to PUMB in Finances.  

The NBU allows non-resident clients to transfer funds abroad via SWIFT. We've added new payment purposes for these transfers, so you can transfer money to yourself or someone else abroad.  

Update the app to get the latest features.

## Apps similar to PUMB

| App | Rating | Price | Category |
| --- | --- | --- | --- |
| [KRAKONS Wallet](https://appshunter.io/ios/app/krakons-wallet/id1524413440) | — | Free | Finance |
| [Gold Loan at Home](https://appshunter.io/ios/app/gold-loan-at-home/id1527737940) | — | Free | Finance |
| [Metro Bank Authenticator](https://appshunter.io/ios/app/metro-bank-authenticator/id1524446800) | — | Free | Finance |
| [Continental Bank](https://appshunter.io/ios/app/continental-bank/id1527526340) | 4.2 (5) | Free | Finance |
| [Currency Now](https://appshunter.io/ios/app/currency-now/id1525402900) | — | Free | Finance |
| [O.Bank UA - bank online 24/7](https://appshunter.io/ios/app/obank-ua-bank-online-247/id1585185939) | 4.1 (14) | Free | Finance |

## More apps by FIRST UKRAINIAN INTERNATIONAL BANK PJSC

- [PUMB Business－Online Bank 24/7](https://appshunter.io/ios/app/pumb-businessonline-bank-247/id1566349085)

All apps by FIRST UKRAINIAN INTERNATIONAL BANK PJSC: https://appshunter.io/developer/1034697603

## Related topics

[sense bank](https://appshunter.io/ios/topics/sense-bank) · [pjsc kredobank](https://appshunter.io/ios/topics/pjsc-kredobank) · [kredobank](https://appshunter.io/ios/topics/kredobank) · [monobank](https://appshunter.io/ios/topics/monobank)

---

*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-25.*