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“vseKARTA” — USE SIMPLE0%

Card for own funds

“vseKARTA” — USE SIMPLE “vseKARTA” — USE SIMPLE

“vseKARTA” — USE SIMPLE0%

Card for own funds

0 UAH
The cost of opening and maintenance
Currency
Card opening at:
UAH, USD, EUR, PLN, GBP, RUB
24/7
Card opening and currency exchange in the mobile application
0%
Cash withdrawal at all ATMs in Ukraine
Draw up a card
Open a virtual card in the PUMB Online application
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Open "vseKARTA" in 5 minutes with Diia

Download the PUMB Online application, go through the identification using the Diia application and open a virtual debit card!
Scan QR code and download the application
Do you want to get a plastic card? Book online here

Simple and beneficial card for daily needs

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0% opening and maintenance
0%
opening and maintenance
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0% mobile account top-up and utility bills payments using PUMB Online
0%
mobile account top-up and utility bills payments using PUMB Online
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0% transfers to a card of any bank in hryvnia in the application
0%
transfers to a card of any bank in hryvnia in the application
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0% replenishment of the card
0%
replenishment of the card

Commission of another bank is possible

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0% cash withdrawal in ATMs of Ukraine
0%
cash withdrawal in ATMs of Ukraine
and more
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Additional income – up to 6%
on balance with «Free» deposit
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Currency exchange online

To open a virtual card, go to the PUMB Online mobile application

Step 1
Enter the phone number and confirmation code
Step 2
Select currency and read the conditions. Click "Continue".
Step 3
Pass identification using Diia 
  • If the Diia application is installed – provide documents.
  • If the Diia application is not installed – download it and log in with a biometric passport or ID card. After that, go back to PUMB Online.
Step 4
Go through the video verification and fill in a short form
Step 5
Sign an online agreement using your finger and come up with a password to enter PUMB Online. Done!
Step 1
Click the "Open" button in the "Cards and accounts" section – "New card".
Step 2
Select your currency and read the terms and conditions. Click "Open the card."
Step 3
To confirm the opening, enter the OTP password.
Step 4
Link your card to your GPay or Apple Pay wallet.

Do you need a plastic card?
Order online and pick up in the branch

Fill out the form below. We will call and provide detailed information

Conditions of the card use

0%
Opening and maintenance
0%
Replenishment any method

Replenishment any method
A fee of another bank is possible.

0%
Cash withdrawal at all ATMs in Ukraine
0%
Transfers to cards of any bank, subject to transfer in hryvnia using PUMB Online
0%
Payment of utility bills using PUMB Online
0%
Mobile top-up using PUMB Online
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Cash withdrawal at the cash office in PUMB bank
Cash withdrawal at the cash office of PUMB Bank up to 2 times per month up to 500 000 UAH with card. If sum is more or without card - 1,5%.
Pension, social, salary cards of employees of budgetary organizations – no commission and no restrictions.
Additional income

Transfer the balance to “Free” deposit using PUMB Online

Transfer the balance to “Free” deposit using PUMB Online.

Get additional income - 5% per annum on the balance of funds from 1000 UAH on pension or social cards.

0%
Opening and maintenance
0%
Replenishment any method

Replenishment any method
A fee of another bank is possible.

0%
Cash withdrawal at all ATMs in Ukraine
0%
Cash withdrawal at the cash office in PUMB bank
Cash withdrawal at the cash office of PUMB Bank up to 2 times per month up to 500 000 UAH in equivalent and with card. If sum is more or without card - 1,5%.
0%
Opening and maintenance
0%
Cash withdrawal at all ATMs in Ukraine
0%
Cash withdrawal at the cash office in PUMB bank
Cash withdrawal at the cash office of PUMB Bank up to 2 times per month up to 500 000 UAH in equivalent and with card. If sum is more or without card - 1,5%.
Account replenishment

Cashless account replenishment in EUR -

Cashless account replenishment in EUR -
1% of the amount, min eq. 5 EUR + 30 UAH.
Cash replenishment - 1%

0%
Opening and maintenance
0%
Replenishment any method

Replenishment any method
A fee of another bank is possible.

0%
Cash withdrawal at all ATMs in Ukraine
0%
Cash withdrawal at the cash office in PUMB bank
Cash withdrawal at the cash office of PUMB Bank up to 2 times per month up to 500 000 UAH in equivalent and with card. If sum is more or without card - 1,5%.
0%
Opening and maintenance
0%
Replenishment any method

Replenishment any method
A fee of another bank is possible.

0%
Cash withdrawal at all ATMs in Ukraine
0%
Cash withdrawal at the cash office in PUMB bank
Cash withdrawal at the cash office of PUMB Bank up to 2 times per month up to 500 000 UAH in equivalent and with card. If sum is more or without card - 1,5%.
0%
Opening and maintenance
0%
Replenishment any metho

Replenishment any metho
A fee of another bank is possible.

0%
Cash withdrawal at all ATMs in Ukraine
0%
Cash withdrawal at the cash office in PUMB bank
Cash withdrawal at the cash office of PUMB Bank up to 2 times per month up to 500 000 UAH in equivalent and with card. If sum is more or without card - 1,5%.

For what cases is
"vseKARTA" needed?

For daily needs:
– salary
– social benefits, pension
– transfers, payments, cash withdrawals etc.
For entrepreneurs' own funds:

special benefits are available with a "vseKARTA Business" card (details are at the link).

As an additional card
(when you need to give access to funds to loved ones).
For foreign exchange transactions
(when issuing a card in foreign currency).

Protect yourself and your card from fraudsters

Learn more

We answer your questions

  • How much does the bank charge for the card?

    Not a penny. PUMB maintains your card free of charge. No monthly payments for using the card.

    Can I issue a card to my account to another person (wife, husband, sister, brother, confidant)?

    You can issue additional BPCs over the number provided by the terms of the package for additional funds in accordance with the bank's tariffs for servicing individuals.

    Where can I find out my account details?

    The account holder can receive the full details of the account:

    • in a branch of the bank serving the account, with a passport;
    • using the PUMB Online service (section "Accounts"/"Card account details"/"Details" button);
    • using email, contact the Customer Service Center.
       

    How can I get an additional income?

    With “Free”deposit:

    • earn by transferring the balance of your personal funds to a deposit using PUMB Online;
    • withdraw, accumulate or replenish this money 24/7 using PUMB Online without restrictions, when you need it. Details on the link.
  • How much does it cost to replenish a card?

    Not at all for cards in UAH, USD, PLN, GBP, RUB.

    Replenish with cash; replenish your card from another bank in Ukraine, from your friends, relatives, acquaintances, or partners – free of charge. Please note that PUMB does not take a commission, but a commission from another bank is possible.

    For cards in EUR

    There is a fee for cash and cashless card replenishment in EUR. For cash replenishment - 1%, and for cashless replenishment for card from another bank, from relatives, friends, acquaintances, or partners - 1% of the amount, min eq. 5 EUR + 30 UAH.

    How can I replenish my account?

    You can replenish a card account opened in national currency by contacting the nearest PUMB branch. When replenishing a card account of a PUMB customer at a PUMB branch, it is enough to indicate the payment card number (16 digits that are indicated on the front side of the card)/account number/agreement number and the full name of the account holder.

  • What is the commission for card payments within Ukraine?

    There is no commission. Pay in a supermarket, store, cinema, transport and the Internet – no commission.

    What is the commission when paying for utilities and mobile top-up?

    No commission. Utility bills and mobile top-up are without commission in PUMB Online anywhere 24/7 from your smartphone.

    I made a payment using my card at a point of sale; the payment amount on my account is blocked. What does it mean?

    According to the rules of international payment systems, when making payments with a payment card in retail outlets, on the Internet, as well as when withdrawing cash from ATMs of third banks, the required amount of funds from the account is not immediately debited, but for some time (1-3 days) is blocked on the account. If no funds are debited within a month after the transaction (the amount was blocked by mistake, the acquiring bank returned the money), the blocked amount automatically becomes available.

  • What is the commission if you transfer money to a card of another bank?

    In PUMB Online transfers to cards of other banks are free! Transferring funds from "vseKARTA" to cards of other banks using other services outside PUMB can cost from 0.5% to 1.5% minimum.

    What is the commission for transfers in PUMB Online to accounts in other banks?

    The commission is 0.5% of the amount, minimum – 3 UAH, maximum – 500 UAH.

    What is the commission for transfers at the bank's cash office?

    Transferring funds to accounts in other banks from your card at a PUMB cash office will cost 1.5% of the amount.

    What will be the commission for cash withdrawals?

    With no additional fees, withdraw cash from an ATM of any bank in Ukraine. At the PUMB cash desks using a card up to 2 times a month in the amount of up to  500,000 UAH in hryvnia equivalent – no commission, more or without a card – 1.5% (for Pension, Social, Salary cards of employees of budgetary organizations – no commission and no restrictions). 

  • How can I open a card?

    To open a plastic card, fill out an application on the website. The manager will call you back and provide detailed information.

    Or visit a PUMB branch with your passport, TIN and a protective mask. The branch manager will inform you about the time when your card will be ready.

    The opening of the virtual card is available in the PUMB Online mobile application. More details here.

    How can I start using the card with help of the PUMB Online mobile application?

    Step 1

    Download PUMB Online on your smartphone: find the application on the App Store or Play Market, or scan the QR code.

    Step 2

    Enter your phone number and password for PUMB Online, which you received in SMS from the bank.

    Step 3

    In the "Cards and accounts" section, select a card; go to settings by clicking on the "Activate the card" button.

    Step 4

    Follow the step-by-step instructions and receive the card PIN code in SMS to the number that was provided to the bank as the main phone number.

    How can I start using the card with help of my phone?

    Step 1

    Call the hotline 044 290 7290* from the phone number provided to the bank as the main one.

    Step 2

    Say to the voice assistant: "Get a PIN code."

    Step 3

    To activate the card and receive the PIN code, it will be necessary to say the card number, for which the PIN code is installed, its validity (on the card), the passport number or ID card, and date of birth.

    Step 4

    Receive card PIN code by SMS.

    Are there any reward programs?

    Yes, register your cards on the Mastercard Bilshe platform in the "Profile" section of the program menu (https://bilshe.mastercard.ua/). Collect silver points for payments with Mastercard. The rules for accumulating points, the features of their writing off, combining points with other program participants, and much more, find out here (https://bilshe.mastercard.ua/).

    I have lost my card, what should I do?

    If you lose your payment card, be sure to notify the bank about it. Call the customer service center: +38 044 290 7290 and report the incident to the operator. With the help of the operator of the information line or with the help of the PUMB Online service, block financial transactions of the card in order to prevent possible financial losses. 

    After that, contact the bank branch to order a reissue of the lost BPC.

     

  • What is a virtual card?

    It is a bank card with all its attributes (card number, expiration date, CVV, PIN code), but no physical issue of plastic.

    Where can I open a virtual card?

    A virtual card can be opened only in the PUMB Online mobile application and only when a new "vseKARTA" service package is drawn up.

    How can I activate a virtual card?

    The card is issued active, and a customer can use it immediately after registration.

    Where can I find out the details of a virtual card?

    Card details are available only in electronic form in the PUMB Online mobile application.

    How can I get a PIN code for a virtual card?

    PIN-code is sent to the customer's mobile phone number after the card is drawn up.

    How can I open a virtual card using PUMB Online?

    The detailed instruction.

  • What should I do if I forgot my card PIN?

    You can use the PIN code reminder function:

    • using the PUMB Online mobile application, without leaving your home;
    • by applying personally to a PUMB branch, with the original passport and certificate of assignment of the TIN;
    • by calling from your phone number, which was provided to the bank as a contact, to the bank's contact center by phone 044 290 7 290. Then say to the voice assistant the phrase “Change the PIN-code.” To recover the PIN, you will need to give the number of the card for which the PIN is being changed, its validity period (on the card), passport or ID card number, and date of birth. Card PIN will be sent via SMS.

    What should I do if I cannot activate the card and PIN code in the PUMB Online mobile application?

    Update the PUMB Online mobile application to the latest version and try again.

    • Or activate the card by calling from your phone number, which was provided to the bank as a contact, to the bank's contact center by phone 044 290 7 290, then tell the voice assistant the phrase “Get a PIN code.” To activate the card and receive a PIN code, you will need to give the card number for which the PIN code is set, its validity period (on the card), passport or ID-card number, and date of birth. Card PIN will be sent via SMS.

    Or personally contact a PUMB branch, with the original passport and certificate of assignment of the TIN.

    What should I do if I cannot activate the card and PIN code in the bank's contact center?

    Check that you give the voice assistant correct personal data (8 first and 4 last digits of the card number for which the PIN code is set, passport or ID-card number, date of birth), call from the mobile phone number you provided to the bank as contact and call the bank's contact center again.

    Or install the latest version of the PUMB Online mobile application and activate the card and PIN using it.

    Or personally contact a PUMB branch with the original passport and certificate of assignment of the TIN.

  • Can I open a card in PUMB to receive social benefits or pension?

    To receive a pension and social benefits, you can draw up the "vseKARTA" package of services.

    Can I trust PUMB?

    PUMB is one of the leading banks in the country with Ukrainian capital, authorized by the Pension Fund of Ukraine to make pension payments.

    How is the transfer of applications with account details for crediting payments to authorized structures carried out?

    The bank transfers the account details for crediting to authorized structures independently, and you will learn about the pension crediting via SMS.

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