Question 1

What is cashback and how does it work in PUMB?

Accepted Answer

Cashback is a return of a percentage of the money spent on purchases made using your card.
With each eligible PUMB card transaction that falls under the Bank&rsquo;s or partner&rsquo;s cashback categories, a defined percentage of the purchase amount is returned to your account.
You can use the saved cashback for future purchases or transfer it to your main account.

Question 2

Which categories are eligible for cashback from the Bank?

Accepted Answer

Here is a list of categories eligible for cashback, along with the corresponding MCC codes:
Avrora: Discount stores.MCC codes: 5310
Auto Products & Services: Auto parts stores, car service stations, tire and spare parts shops, parking payments.MCC codes: 5013, 5511, 5521, 5531, 5532, 5533, 5561, 5571, 5599, 7523, 7531, 7534, 7535, 7538, 7542, 7549, 8675
Gas Stations: Fuel and EV charging stations.MCC codes: 5542, 5983, 5172, 5541, 5552
Pharmacies: Goods and services in pharmacies.MCC codes: 5122, 5912
Wine Markets: Specialized alcohol stores, both wholesale and retail (including beer markets).MCC codes: 5715, 5921
Children&rsquo;s Products: Stores selling children's clothes, shoes, and toys.MCC codes: 5641, 5945
Entertainment: Tickets to cinemas, theaters, exhibitions, concerts, amusement parks, billiards, bowling, circuses, zoos, dolphinariums.MCC codes: 7999, 7996, 7929, 7932, 7991, 7922, 7998, 7832, 5733, 7829, 7833, 7933
Electronics and appliances: stores selling household appliances, electronics, and repair services.MCC codes: 4812, 5045, 5722, 5732, 5997, 7379, 7622, 7623, 7629
eVidnovlennia+: Purchase of goods or services from contractors participating in the eVidnovlennia program.MCC codes: 1520, 1711, 1731, 1740, 1750, 1761, 1771, 5021, 5039, 5074, 5198, 5200, 5211, 5231, 5712, 5713, 5718, 5719, 5131, 5251, 8911, 5065
Pet Stores: Products in pet shops and veterinary services.MCC codes: 5995, 0742
Cafes and Restaurants: Payments in cafes, restaurants, bars, and fast food outlets (excluding delivery services).MCC codes: 5813, 5811, 5812, 5814
Flowers and Garden: Purchases at flower and garden supply stores.MCC codes: 5992, 5193, 5261, 0780
Books and Stationery: Stores selling books, stationery, art supplies, handicrafts, and sewing goods.MCC codes: 5949, 5943, 5192, 5970, 2741, 5111, 5942, 5994
Utility Payments: Payment for utility services via the PUMB Online mobile app by selecting a provider from the partner list. Not applicable for payments by bank details.MCC codes: 99999
Beauty Stores: Goods and services in cosmetics, household chemicals, and perfumery stores.MCC codes: 5966, 2842, 5169, 5977
Medical Services: Services in medical facilities and laboratories, goods in specialized medical stores, opticians.MCC codes: 8049, 8043, 8021, 8062, 8042, 8011, 8044, 5976, 8050, 8031, 8071, 4119, 5975, 7280, 8041, 8099
Public Transport: Payments for single rides in metro and ground public transport (buses, trams, trolleybuses, funicular, suburban trains). Not applicable to transactions over UAH 20.MCC codes: 4112, 4111, 4131, 4011
Clothing and Footwear: Goods and services in clothing, footwear, sportswear, and accessories stores (excluding specialized children&rsquo;s stores).MCC codes: 5137, 5611, 5699, 5698, 5661, 5931, 5631, 5697, 5621, 5691, 5655, 7251, 5948, 5139, 5651, 7296, 5681
Groceries: Products in grocery stores, supermarkets, hypermarkets (excluding delivery services).MCC codes: 5412, 5499, 5331, 5422, 5462, 5411, 5297, 5298, 5399, 5451
Beauty Salons: Hair salons, beauty salons, massage, and cosmetic care services.MCC codes: 7298, 7230, 7297
Sweets: Specialized candy and confectionery stores.MCC codes: 5441
Sports and Fitness: Sports goods stores, gyms, fitness centers, dance schools, sports clubs, and swimming pools (excluding specialized sportswear stores).MCC codes: 7941, 7911, 5996, 7992, 5940, 5941, 7032, 7997

Question 3

What cards will I receive cashback for when I pay?

Accepted Answer

Cashback is credited for payments by any cards from FUIB for individuals, including in foreign currency in Ukraine (except for uncontrolled territories) and abroad.

Question 4

How can I find out the merchant’s MCC?

Accepted Answer

To find out whether a particular store or purchase falls into the categories eligible for cashback, you can contact the merchant and ask about their business category (MCC code), which determines the eligibility for cashback accrual.

In case of a refund for a product or service, the previously accrued cashback for that transaction will be canceled.

Question 5

Will I receive cashback if I pay for the item upon delivery at a pickup point?

Accepted Answer

Cashback is not awarded for postpaid (cash-on-delivery) transactions made through any postal services (for example, NovaPay, but not limited to).

Question 6

Is cashback different when paying with credit and personal funds?

Accepted Answer

Yes, it's different.
For example, in the Cafes and restaurants category, you can get 1.5% cashback from the bank for payments made with credit funds and 0.75% for payments made with personal funds. If personal funds are on a credit card, the cashback will still be 0.75%, as the percentage depends on the type of funds, not the card type.

Question 7

How much cashback can I accumulate per month?

Accepted Answer

The total amount of monthly savings is equal to the amount of cashback from the Bank and cashback from Partners. 
The maximum amount of cashback from the Bank is 500 UAH. The maximum amount of cashback from Partners depends on the offer terms of each of them. 
If the maximum amount of cashback from a Partner per month is reached, the reward accrual for it stops. If you have selected a category of cashback from the Bank that corresponds to the same field of activity with a Partner, then the accrual of reward for it will not occur.If the maximum amount of cashback from a Partner per month is reached, the reward accrual for it is stopped, even if you have selected a category of cashback from the Bank that corresponds to the same field of activity with the Partner.For example, you have selected cashback from the 'X' Partner (who sells clothes) and you have selected the category 'Clothes and shoes' from the Bank. After that, you made purchases in the &ldquo;X&rdquo; store and accumulated the maximum cashback from this Partner. For the following purchases in the 'X' store in the category from the Bank 'Clothes and shoes', cashback will not be credited.
When withdrawing cashback, taxes, and fees are additionally withheld.

Question 8

Is cashback credited abroad?

Accepted Answer

Yes, cashback is credited.

Question 9

Is cashback credited for transactions made by foreign currency cards?

Accepted Answer

Yes, cashback is credited.

Question 10

Do I have to select cashback categories from the Bank and offers from Partners at the same time on the same day?

Accepted Answer

No, you can choose cashback categories from the Bank and the Partners on different days, starting from the 1st day of each month.

Question 11

Can the selected category for cashback be changed within one month?

Accepted Answer

Yes, the selected cashback category or partner can be changed if no cashback has been saved.

Question 12

Do I get cashback on an additional proxy card?

Accepted Answer

The reward for transactions is credited to the account holder for all additional customer cards, regardless of the name of the supplementary card issued to the account. The category for cashback is chosen by the account owner. The selected category is valid for all main and additional cards of the owner of this account.
The maximum amount of reward for all customer cards does not exceed 500 UAH.
When withdrawing cashback, taxes, and fees are additionally withheld.

Question 13

If I have several FUIB cards, will I receive a reward for transactions on each of them?

Accepted Answer

Cashback is not credited to cards opened by individuals for entrepreneurial activity.
When withdrawing cashback, taxes, and fees are additionally withheld.
An additional profit from cashback can lead to the loss of benefits and subsidies.

Question 14

What happens to cashback when returning goods?

Accepted Answer

Previously credited cashback for such a purchase will be debited.

Question 15

In what cases cashback may not be credited?

Accepted Answer

If a point of sale sells different categories of goods at the same time, it may have several payment terminals, the MCC codes of which may differ. Some cash desks can conduct a transaction with one MCC, while others will assign a completely different code. 
FUIB bank does not influence in any way what code is assigned to the point of sale and cannot change it.

Question 16

Can I withdraw cashback immediately after accumulating the minimum withdrawal amount? To which card can I withdraw the accumulated cashback?

Accepted Answer

The account holder can withdraw the reward on his own to any selected hryvnia card. Cashback can be accumulated on the account and withdrawn to the card at any time when the minimum amount is reached &ndash; 100 UAH.
If the accumulated reward amount is less than 100 UAH, then there is no button for withdrawing funds in the PUMB mobile application.
When withdrawing cashback, taxes, and fees are additionally withheld.

Question 17

Is it possible to withdraw the reward to my card of another Bank or card/account of relatives, friends, etc.?

Accepted Answer

The reward can be withdrawn only to one of the FUIB cards of the account holder, which was not opened by an individual for entrepreneurial activity. The participant of the Promo cannot transfer his right to receive the reward to any other person.

Question 18

Can the accumulated cashback be canceled?

Accepted Answer

Yes, the Bank has the right to cancel cashback in case of closing the card or cards on which it was credited, the absence of any other products of the Bank, overdue debts and/or the absence of transactions with FUIB cards (see the official Rules of the Promo).

Question 19

What is the term of the Promo?

Accepted Answer

The promotion is held from 22.10.2021 to 31.12.2030 inclusive.

Question 20

*Would you like to become a Partner of the Bank within the cashback program?

Accepted Answer

Fill out the application form at the link. 
The Bank's Partners can be both legal entities and natural persons-entrepreneurs.

Question 21

**Can customers have different cashback offers from the Bank and from Partners?

Accepted Answer

Yes, offers for cashback participants are determined using an automatic algorithm model based on many factors, including the history of using the Bank's products by the customer.

Cashback

Basic cashback conditions

It's easy to connect cashback

MCC codes that correspond to each category