PUMB review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

PUMB is a Ukrainian bank that lends its own money, so there is no broker in the middle and the origination fee is 0 UAH.

Key facts

Best for
A personal loan or revolving credit line priced on fixed rates and managed in the bank's own app.
APR
35.88% to 44.28% (Source, checked September 26, 2026)
Loan amount
UAH 0 to UAH 500,000 (Source, checked September 26, 2026)
Term
up to 240 months (Source, checked September 26, 2026)
Arrangement fee
0 UAH (Source, checked September 26, 2026)
Funding time
about 5-10 minutes in the PUMB app after approval (Source, checked September 26, 2026)
Representative example
Real annual interest rate 44.28% per annum; APR range 35.88%-44.28% (35.88% card payments only, 44.28% payments, transfers, cash withdrawals) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Ukrainian citizens aged 18-70 with passport and TIN (Source, checked September 26, 2026)
Loan types
Credit-line, Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
First Ukrainian International Bank (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre, Community (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line, Same-day funding
Official website
pumb.ua

Mortgages

Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
First Ukrainian International Bank (Source, checked September 26, 2026)
Headquarters
Ukraine (Source, checked September 26, 2026)
Founded
1991 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre, Community (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInXappgallery.huawei.com

Pros and cons

Pros

  • Direct lender, so First Ukrainian International Bank carries the risk and keeps the decision in the bank
  • No setup charge, with an origination fee of 0 UAH on the online credit product
  • Free early repayment is a plain yes, so clearing the balance sooner carries no penalty
  • Both products are priced on fixed rate terms, and money moves about 5-10 minutes in the PUMB app after approval after a decision

Cons

  • The rate is heavy for a personal loan: 35.88% to 44.28% against the site median 12.25%
  • The longest term is up to 240, so a full balance keeps stretching over a long repayment
  • Support runs on phone, chat and help centre only, so there is no email or branch channel
PUMB

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Scored 9.2 / 10 by BorrowCue.

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Who it suits

  • Applicants who fit the published criteria, which cover citizenship, a minimum age, a passport and a tax identification number
  • Readers who want the loan, the credit line and every repayment inside a single app, funded about 5-10 minutes in the PUMB app after approval
  • Borrowers in Ukraine planning home improvements, the use case PUMB lists for these loans

Who should look elsewhere

  • Anyone chasing the lowest rate on the list: Cashspace ES quotes 0% against PUMB's 35.88% to 44.28%
  • Borrowers who want a personal loan priced more gently, since Monzo Flex runs at 10% to 23% against PUMB's 35.88% to 44.28%
  • Readers who want a rate that moves with the market, since PUMB prices both products on fixed terms

Safety and regulation

PUMB is a direct lender, so First Ukrainian International Bank carries the credit risk and decides on your application. It is supervised by the National Bank of Ukraine, holding a banking licence, 8, and a place in the National Bank of Ukraine State Register of banks, 73. The published representative example sets out a real annual interest rate beside the card, transfer and cash withdrawal rates.

How PUMB compares

Where PUMB is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (8), checked September 26, 2026
Licence in Ukraine
National Bank of Ukraine - State Register of banks (73), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does a PUMB personal loan cost?+

The annual rate on the online credit product is 35.88% to 44.28%. The published representative example puts card payments at the lower end of that range and payments, transfers and cash withdrawals at the upper end, so how you take the money and repay it shapes the cost. The personal loan median across the site is 12.25%.

Is there an arrangement or origination fee?+

There is no charge for taking the loan out: the origination fee is 0 UAH. The real cost sits in the interest rate, not in upfront charges, which is why the 35.88% to 44.28% range matters more than the fee line when you compare this offer with others.

Who regulates PUMB, and is the bank licensed?+

PUMB is supervised by the National Bank of Ukraine and appears in the National Bank of Ukraine State Register of banks. Lending comes from First Ukrainian International Bank itself, so an application stays inside the licensed bank rather than moving to an outside lender, and the banking licence is listed as 8.

How long does it take to get the money?+

After a decision, the money arrives about 5-10 minutes in the PUMB app after approval. That is the payout step inside the app, so the clock starts once the application is approved rather than when you submit it, and only approved loans are paid out this way.

Can I repay the loan early without a charge?+

Yes, free early repayment is listed as a yes, so settling the balance, or part of it, carries no extra penalty. That makes it easier to clear a loan sooner, which matters when the fixed rate sits high and interest keeps building on the balance.

What kinds of credit does PUMB offer?+

There is a revolving credit line and a personal loan, both priced on fixed rate terms. The credit line lets you draw, repay and redraw as needed, while the personal loan is a fixed amount that is repaid over up to 240.

Who can apply for a PUMB loan?+

Applications are open to Ukrainian citizens who hold a passport and a tax identification number, within the stated age range. The decision on any application sits with First Ukrainian International Bank itself, so the same bank that sets the criteria is the lender.

Is PUMB a bank or a broker?+

It is a direct lender, and it has operated as a bank since 1991 with its headquarters in Ukraine. A direct lender carries the risk itself, which removes the broker margin but leaves the rate tied to the bank's own pricing of fixed rate loans.

Sources

  • apim.pumb.ua/api/assets/pumb/b13b66b8-8a7d-43c3-97a6-7a82... checked September 26, 2026

    Backs: Licences

  • pumb.ua checked September 26, 2026

    Backs: Legal entity, Lender type

    “First Ukrainian International Bank; State Register of banks No.73 dated on 23.12.1991”

  • pumb.ua/en/credit checked September 26, 2026

    Backs: Eligibility, Features, Founded, Free early repayment, Headquarters, Loan types, Pricing model, Rate type, Support channels

    “you are a citizen of Ukraine; you can provide your passport and TIN (individual tax number); your age is between 18 and 70 years old”

  • pumb.ua/en/credit/p-credit-online checked September 26, 2026

    Backs: Loan amount, APR, Funding time, Arrangement fee, Representative example, Term, Use cases

    “Credit limit amount from 0 to 500,000 UAH”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Credit check.

PUMB

PUMB

A personal loan or revolving credit line priced on fixed rates and managed in the bank's own app.

9.2/10See alternatives

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