PUMB review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
PUMB is a Ukraine-based Mastercard debit card from JSC FUIB, and it pays 20% cashback while giving a free ATM allowance of UAH 50,000. It suits people who bank in Ukraine and want a plain everyday card from a licensed bank.
Key facts
- Best for
- Everyday spending and cash withdrawals for people who bank in Ukraine.
- Free ATM withdrawals
- UAH 50,000 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 20% (Source, checked September 26, 2026)
- Card network
- Mastercard (Source, checked September 26, 2026)
- Legal entity
- JSC FUIB (Source, checked September 26, 2026)
- Headquarters
- Ukraine (Source, checked September 26, 2026)
- Founded
- 1991 (Source, checked September 26, 2026)
- Official website
- pumb.ua
Credit cards
Pros and cons
Pros
- Cashback of 20% on spending, a reward type shared by 49.5% of the cards compared here.
- Licensed by the National Bank of Ukraine under licence 8, so the account sits with a regulated Ukrainian bank.
- A free ATM allowance of UAH 50,000 in Ukrainian hryvnia, where Wise lists £250 in pounds.
Cons
- A debit card draws on the money in the account, so there is no credit line to spread a purchase over.
- The offer sits in a single market: PUMB is a Ukrainian bank, and the 20% cashback and UAH 50,000 free ATM allowance are priced in Ukrainian hryvnia for domestic use.
Who it suits
- People who bank in Ukraine and spend most of their money at home.
- Customers who draw cash often and value a free ATM allowance of UAH 50,000.
- Anyone who wants cashback rather than points or miles on everyday spend.
Who should look elsewhere
- Wise, whose card lists a free ATM allowance of £250 in pounds, for readers who bank in the UK.
- Starling Personal Account Debit Card, where the free ATM allowance is £0, for readers who rarely need cash.
- Upgrade OneCard, whose ATM network allowance is $0, for readers paying in dollars.
How PUMB compares
9.7 vs 9.4
9.7 vs 9.0
9.7 vs 8.9
9.7 vs 9.2
9.7 vs 8.8
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 9.0
9.7 vs 8.8
9.7 vs 8.8
9.7 vs 8.7
9.7 vs 9.2
9.7 vs 9.0
9.7 vs 8.9
9.7 vs 8.8
9.7 vs 9.6
9.7 vs 9.4
9.7 vs 9.4
9.7 vs 9.2
9.7 vs 9.1
9.7 vs 9.1
9.7 vs 9.1
9.7 vs 9.1
9.7 vs 8.8
9.7 vs 8.8- 9.7 vs 8.8
- 9.7 vs 8.8
9.7 vs 8.8- 9.7 vs 8.8
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 8.5
9.7 vs 8.3
9.7 vs 8.2
9.7 vs 8.0
9.7 vs 8.0
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 or credit card?+
PUMB issues a debit card, so purchases come straight out of the money in the account and there is no credit line to spread a bill over. Debit cards account for 74.3% of the cards compared here, and virtual cards for 5.3%.
How much cashback does PUMB pay on spending?+
PUMB pays cashback of 20% on spending through the card. Cashback is the most common reward type among the cards compared here at 49.5%, with points on 19.8% and no rewards on 28.7%.
Can I withdraw cash free with the PUMB card?+
The free ATM allowance is UAH 50,000, set in Ukrainian hryvnia. For comparison, Wise lists £250 in pounds, Starling Personal Account Debit Card lists £0, and Upgrade OneCard lists $0 in dollars. Each figure is in its own currency.
Who regulates PUMB?+
PUMB is the card brand of JSC FUIB, a bank founded in 1991. It is licensed by the National Bank of Ukraine under licence 8, so readers in Ukraine can check the bank's standing with that regulator. The account is held with the bank itself.
Which network does the PUMB card run on?+
The PUMB card runs on mastercard. Mastercard also covers 38.5% of the cards compared here, so the network is a familiar one across the group. Readers who rely on a particular network while travelling should check acceptance before applying.
What does the PUMB card cost to hold and use?+
PUMB's stated terms cover a free ATM allowance of UAH 50,000 and cashback of 20%. Debit cards in this comparison sit at a median monthly fee of €0, with the upper quartile at €0 and the highest at €99, so the tariff attached to the account decides the real cost.
Is PUMB a good fit for readers outside Ukraine?+
PUMB is built for people banking in Ukraine, with UA as its home market and the debit card priced in Ukrainian hryvnia. Cashback of 20% and the free ATM allowance of UAH 50,000 make sense for domestic spending, while readers who bank in the UK are served better by Wise or Starling Personal Account Debit Card.
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 checked September 26, 2026
Backs: Headquarters
“Kyiv, Ukraine”
- 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 3 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Currency conversion fee, Protection.