PUMB — Leading Ukrainian Private Bank

PUMB (First Ukrainian International Bank) is one of the largest private financial institutions in Ukraine. It has gained significant popularity among both retail and business customers, consistently ranking in the top 5 Ukrainian banks by number of clients and asset volume. Thanks to a wide branch network and advanced digital solutions, PUMB is often chosen for daily banking operations.

PUMB sets relatively high limits for transfers and cash withdrawals, especially for premium cardholders. Standard customers can make domestic transfers up to UAH 200,000 per month, which is higher than many competitors like Oschadbank or PSB. For large transactions, the bank may require supporting documents, but bulk account freezes are rare. The risk of account blocking is lower than average if you comply with local AML/KYC regulations.

PUMB offers a broad range of products: debit and credit cards, savings and business accounts. Standard card maintenance is often free if you maintain a minimum balance or monthly turnover. Premium products have higher servicing fees but include extra features. Compared to PrivatBank and Alpha-bank, PUMB's pricing is among the most transparent and competitive on the market.

The bank regularly provides cashback, bonus programs, partner discounts, and increased interest on savings. Special attention is given to payroll clients and premium cardholders. In terms of rewards, PUMB competes with Kaspi and Alpha-bank, offering more promotions than banks like PochtaBank and Sber.

PUMB's main strengths are advanced digital banking, a well-developed ATM network, low risk of account freezes, and transparent servicing conditions. The bank stands out from Oschadbank and PrivatBank with more modern mobile services and better customer support. PUMB is also a pioneer in integrating with crypto asset operations, making it attractive for tech-savvy users.

PUMB invests heavily in digital services: a mobile app with instant transfers, integration with payment systems, and options for working with digital currencies. The bank was the first in Ukraine to launch instant digital identification for online account opening. This makes PUMB a strong choice for those who value speed and security.