- Loans
- Credit card VSEMOZHU Online
- Cash loan VSEYASNO
- Splachuyte chastynamy
- Hroshi v rozstrochku
- Targeted consumer loan
- Online credit
- Credit card VSEMOZHU (till 25.02.2022)
- Deposits
- Deposit Profitable PLUS
- Deposit Profitable
- Deposit Free
- Deposit Foreign currency
- Deposit Accumulative
- Deposit Guarantee Fund
- Card account
- Card vseKARTA
- vseKARTA for retirement and social payments
- If you're abroad
- Replenish your card abroad
- Promotion Invite a friend
- єВідновлення
- For employees of enterprises
- For entrepreneurs
- Services
- Money transfers
- Currency exchange
- Order cash currency
- MoneyBox
- Insurance products
- Cashback and promo codes
- PUMB mobile app
- Viber-bank in Your pocket
- Google Pay
- Apple Pay
- Swatch Pay
- Xiaomi Pay
- Garmin Pay
- Payment acceptance of individuals
- Transactions with securities
- Depository services
- Personal safes
- Souvenir coins
- Encashment
- Mastercard Bilshe program
- Payment with escrow account
- Card payment Online
- Referral programs
- Invite a friend
- Invite an individual entrepreneur or legal entity
- Accounts and Payments
- Tariff packages
- "Nezlamnyi biznes" package
- "vseDigital Business" package
- Cards
- Pay off
- Pay off the salary
- Transfer entrepreneur's income
- Deposits
- “Comfortable” deposit
- "Standart with replenishment" deposit
- "Flexible" deposit
- The account “Profitable”
- "Standard" deposit
- Loyalty program
- Referral program
- Promos with partners
- Documentary operations
- Letters of credit
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- Services
- FUIB Terminal
- Currency trading
- Currency advisor
- Transactions with securities
- Depository services
- Internet acquiring
- Тrade acquiring
- Financing
- Affordable loans 5-7-9%
- General credit limit
- Partnership programs
- Bills of exchange for agribusiness
- Factoring
- Financial leasing
- "Light" overdraft
- AutoOver
- Loan secured by deposit
- Financing the restoration of energy infrastructure
- Accounts and Payments
- Tariff packages
- "vseDigital for NPE" package
- “Coder” package
- "Nezlamnyi biznes" package
- Cards
- Pay off
- Accept the payment
- Pay off the salary
- Transfer entrepreneur's income
- Services
- Currency consultations
- Currency trading
- Fast track
- Loyalty program
- Тrade acquiring
- Loyalty program
- Referral program
- Promos with partners
- Financing
- Online loan «VseBUSINESS»
- Overdraft for individual entrepreneurs
- Personal Banking
- Comfortable travels
- Money saving and multiplying
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- About the Bank
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- Online financial management
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- Card packages
- Deposits
- Currency transactions
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- Bank’s ownership structure
- Press-center
- Press-center
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- Notifications
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- Analytical overviews
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- Promos
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- Please, leave a gratitude, complaint or suggestion
- Download the documents
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- Settlement of the overdue debt
- Temporary protection of persons in the EU
- General principles of confidentiality and protection of personal data
- General principles of compliance risks monitoring
- General principles of data updating (re-identification)
- Maintenance work
- Maintenance work
*currency exchange only in cash
*exchange rates may be different
in individual branches of the Bank
Commercial rate (for debiting transactions in a currency, which differs from account currency)
- Credit card VSEMOZHU Online<br><span style="font-size:12px">for own and credit funds</span>
- Cash loan VSEYASNO
- Splachuyte chastynamy
- Hroshi v rozstrochku
- Targeted consumer loan
- Online credit
- Credit card VSEMOZHU (till 25.02.2022)
- Deposit Profitable PLUS
- Deposit Profitable
- Deposit Free
- Deposit Foreign currency
- Deposit Accumulative
- Deposit Guarantee Fund
- Card vseKARTA
- vseKARTA for retirement and social payments
- If you're abroad
- Replenish your card abroad
- Referral programs
- єВідновлення
- For employees of enterprises
- For entrepreneurs
- Money transfers
- Currency exchange
- Order cash currency
- MoneyBox
- Insurance products
- Personal safes
- Cashback and promo codes
- Payment acceptance of individuals
- PUMB mobile application
- Transactions with securities
- Viber-bank in Your pocket
- Depository services
- Google Pay
- Souvenir coins
- Apple Pay
- Encashment
- Swatch Pay
- Payment with escrow account
- Xiaomi Pay
- Mastercard Bilshe program
- Garmin Pay
- Card payment Online
*currency exchange only in cash
*exchange rates may be different
in individual branches of the Bank
Commercial rate (for debiting transactions in a currency, which differs from account currency)
What is Open Banking?
Open Banking is an ecosystem implemented to provide payment service users with more diverse and attractive offers.
With Open Banking, users can manage their everyday financial decisions more effectively by using consolidated information about their cash flows and account balances from multiple financial institutions in a single application. At the same time, the implementation of Open Banking positively impacts the development of the financial sector as a whole by increasing competition among payment market participants, improving the quality of payment services, reducing costs, enhancing convenience, promoting financial inclusion, and fostering innovation.
A key aspect is ensuring user trust in this new ecosystem, which is achieved through the introduction of rules and mechanisms agreed upon by the National Bank of Ukraine (NBU) and participants in the Open Banking system.
From a technical perspective, Open Banking involves the secure exchange of financial data between banks and third-party providers (TPP — Third Party Providers) with the client’s consent, based on API technology.
Open Banking Terminology
API (Application Programming Interface) is a set of interfaces that allow third-party services to access banking data and initiate transactions (with the client’s consent) without compromising confidentiality or security.
TPP (Third Party Provider) is a third-party financial service provider that gains access to clients' accounts with their permission.
AISP (Account Information Service Provider) is a provider of account information access services.
PISP (Payment Initiation Service Provider) is a provider of payment initiation services.
Consent Management is a system for managing users’ consents for processing their banking data.
Strong Customer Authentication (SCA) is enhanced customer authentication in accordance with PSD2 standards.
PSD2 (Revised Payment Services Directive) is the updated EU directive on payment services that forms the basis of Open Banking.
Additional information
Procedure for non-accepted, erroneous, and fraudulent transactions:
Information about scheduled maintenance and emergency situations is posted on the Bank’s page: PUMB maintenance
According to the “Procedure on the organization of Open Banking of JSC “FUIB” as a provider of payment account services for account servicing”, in the event that JSC “FUIB” detects non-accepted, erroneous, improper, or fraudulent payment transactions initiated by a user via a Non-Financial Payment Service Provider (NFPSP) for payment initiation, JSC “FUIB”, if the user is not at fault, shall refund the funds for such transactions to the user. For detected such transactions, JSC “FUIB” may, for the purpose of conducting an investigation, request additional documents from the Non-Financial Payment Service Provider that initiated the transfer. And, if evidence of fault by such a Non-Financial Payment Service Provider is obtained, it has the right to initiate a financial claim against that provider to recover the losses incurred in respect of those payment transactions.
Information about possible user contact channels regarding transactions initiated within the Open Banking service:
- Telephone contact +38 044 290 7 290, +38 096 290 7 290, +38 050 2907 290, +38 093 290 7 290, (line for “Persona” clients, line (0 800 501 495) ), operating hours: around the clock (subject to the client completing the authentication procedure);
- Oral or written inquiry at a branch (subject to verification of the applicant/complainant’s identity);
- Social networks (subject to the client completing the authentication procedure);
- Forums (subject to the client completing the authentication procedure);
- QR code in the branch;
- Email [email protected];
- Bank website;
- PUMB mobile application;
- Internet banking or client-bank for corporate clients;
- Postal mail, written inquiries (which are considered under this procedure) to the Bank’s legal address: 4 Andriivska St., Kyiv, Ukraine, 04070;
Procedure
Procedure for connecting to PUMB Open Banking API:
- Review the list of implemented PUMB Open Banking APIs;
- Obtain test key pairs;
- Carry out development/testing using test data;
- Deploy the service in the production environment.
List of APIs
Basic API for creating or revoking the User's permission for a third-party non-financial service provider (AISP) to receive information from the User's account opened with FUIB.
The consent obtained may subsequently be used for the "Get Balance" and/or "Transaction History" requests, subject to the following conditions:
- Permission is granted for accounts:
- 2620 – current accounts of individuals;
- 2600 – current accounts of legal entities or sole proprietors (individual entrepreneurs).
- Currencies: UAH, USD, EUR
- One agreement contains one invoice
- SCA follows a decoupled (push notification) approach.
- Maximum agreement period may not exceed 90 days
- Maximum number of calls per day without involving the User per agreement - 4
Getting the balance
Basic API for requesting the balance of the User's account at FUIB by a third-party non-financial service provider AISP. A mandatory condition for calling this API is the availability of the User's current, previously obtained consent to such a call using MVP0.
Transaction history
Basic API for requesting a third-party non-financial service provider (AISP) to obtain the history of transactions on the User's account with FUIB. A mandatory condition for calling this API is the availability of the User's current, previously obtained permission for such a call using MVP0. The transaction history period cannot exceed 31 days from the moment of the request for this API.
One-time transfer
Basic API for creating a payment by the User, initiated through a third-party non-financial service provider (PISP). This API can be used subject to the following conditions:
- Payments can be initiated for accounts:
- 2620 – current accounts of individuals;
- 2600 – current accounts of legal entities or sole proprietors (individual entrepreneurs).
- Payment is made only within Ukraine in the Ukrainian UAH currency.
- The payment can be defined as either instant or regular credit.
- Maximum permitted transfer amount - 100,000 UAH for instant credit transfers, 400,000 UAH for credit transfers
- Minimum transfer amount is 0.01 UAH.
The technical documentation is provided in the "API Description" section.
Test Data and Certificates
Test Key Pairs:
Test Data:
- UA093348510000026200420671357 -> Currency: UAH -> Status: active
- UA243348510000026200891826956 -> Currency: UAH -> Status: closed
- UA693348510000026200687905180 -> Currency: USD -> Status: active
- UA893348510000026200375382169 -> Currency: EUR -> Status: active
How to confirm or reject consent:
To emulate confirmation / rejection of consent, you need to add the Target-Consent-State header in the authorization resource creation methods.
Header values for creating authorization resources for account access:
* valid – emulates consent confirmation
* rejected – emulates consent rejection
Example:
curl --location --request POST
'https://open-api-sandbox.dts.fuib.com/psd2/openbanking/v2/consents/account-access' \
--header 'X-Request-ID: b2bda4ca-bbb1-4db2-b122-a48cbfb4ee9f' \
--header 'PSU-ID: UA093348510000026200420671357' \
--header 'PSU-ID-Type: IBAN' \
--header 'PSU-IP-Address: 192.168.1.199' \
--header 'Content-Type: application/json'
Header values for creating payment authorization resources:
* ACSC – emulates consent confirmation
* RJCT – emulates consent rejection
Example:
curl --location --request POST
'https://open-api-sandbox.dts.fuib.com/psd2/openbanking/v2/payments/2aa42192-fd8d-4be4-9057-b27cbf16052b/authorisations' \
--header 'X-Request-ID: 07dcc904-222a-492a-865a-9b4ccdf73a7e' \
--header 'PSU-IP-Address: 192.168.1.199' \
--header 'Target-Consent-State: ACSC' \
--data-raw ''
To execute requests, use the following host values in the "API Description" section:
- For development and testing on the Dev portal: use the value "Develop server"
- For the production environment: use the value "Production server"
Statistics will be available from 01.04.2026.