1. What are the advantages of SWIFT transfers?
- The system uses a wide range of currencies.
- High reliability in preserving confidential information is ensured by a wide range of organizational and technical measures.
- Widespread and popular in the world, it allows you to make payments to almost any country.
- Tariffs are lower than other systems.
2. Which countries cannot be sent a SWIFT transfer?
The Bank does not send funds to the countries of Iran, DPRK, Nicaragua, Russia, Myanmar, and Belarus. The Bank may also refuse to send a transfer to other countries if it is found during the verification of the details that it is not possible to do so (restrictions on the recipient's country, negative information about the recipient, restrictions within correspondent banks, etc.).
3. Requirements for details of SWIFT transfers.
Details for sending a SWIFT transfer must contain the following information:
For transfers in USD, EUR, PLN, GBP, CHF, CAD, CNY, CZK currencies:
- details of the payee's account: name/name of the payee, bank name, bank address, account in IBAN format, SWIFT code;
- recipient's address;
- purpose of payment;
- details of the correspondent bank (there may be an additional request from the bank).
4. How long will it take for the transfer to be delivered?
The customer himself determines the urgency of the transfer. For urgent transfers, the duration of the operation can range from several minutes to 1 day (there is a separate fee for urgent transfers). The standard time for receiving a transfer is from 1 to 3 days (if the details are correct and complete).
SWIFT transfers, like all other operations, are checked by banks for compliance with financial monitoring requirements, compliance with sanctions requirements, and therefore it is always important to provide complete and reliable information regarding the transfer and its participants in order to avoid possible questions from other banks and related delays in implementation transfers.
5. What can be the purpose of sending a SWIFT transfer?
5.1. In the mobile application from a foreign currency account:
- Expenses related to medical treatment in healthcare facilities and transportation of patients.
- Transfer of funds for tuition fees to the accounts of educational institutions of a foreign state.
- Payment of alimony abroad.
- Support for strengthening Ukraine’s defense capabilities, within the monthly limit of 400,000 UAH (or the equivalent amount calculated at the official exchange rate of the National Bank of Ukraine).
- Such goods include bulletproof vests, helmets, military and tactical uniforms, military and tactical footwear, protective clothing, optical surveillance devices, unmanned aerial vehicles, sleeping bags, sleeping mats, and first-aid equipment.
- Transfers between the customer’s own accounts held with another Ukrainian bank.
- Financial assistance to relatives to an account held with another Ukrainian bank.
5.2. In the mobile application involving a UAH account:
- Expenses related to medical treatment in healthcare facilities and transportation of patients.
- Transfer of funds for tuition fees to the accounts of educational institutions of a foreign state.
- Payment of alimony abroad.
- Transfer by a non-resident to their own account abroad or to the account of another legal entity or individual, provided that the source of funds is funds credited from 1 May 2026 to such non-resident’s account with JSC "PUMB" in the national currency as:
- wages and other payments provided for by the Law of Ukraine "On Remuneration of Labour";
- payments to members of the supervisory board/board of directors/executive body of a legal entity established under the legislation of Ukraine, provided for by the terms of civil law contracts concluded by such persons with this legal entity in accordance with Ukrainian legislation.
- For this purpose, you must have a UAH account with the required amount of funds, an account in the currency of transfer, as well as all necessary documents confirming the purpose of the transfer and, where required, the source of funds.
5.3. At bank branches:
- Expenses related to the death of individuals, medical treatment in healthcare facilities, and transportation of patients.
- Transfer of funds for tuition fees to the accounts of educational institutions of a foreign state.
- Payment of alimony abroad.
- Transfers between the customer’s own accounts held with another Ukrainian bank.
- Financial assistance to relatives to an account held with another Ukrainian bank.
- Transfers to the special account of the National Bank of Ukraine opened for collecting funds to support the Armed Forces of Ukraine and/or to the accounts of the Cabinet of Ministers of Ukraine, ministries, and other state authorities of Ukraine.
- Purchase of certain goods abroad within the monthly limit of 400,000 UAH (or the equivalent amount calculated at the official exchange rate of the National Bank of Ukraine).
- Such goods include bulletproof vests, helmets, military and tactical uniforms, military and tactical footwear, protective clothing, optical surveillance devices, unmanned aerial vehicles, sleeping bags, sleeping mats, and first-aid equipment.
- Transfer by a non-resident to their own account abroad or to the account of another legal entity or individual, provided that the source of funds is funds credited from 1 May 2026 to such non-resident’s account with JSC "PUMB" in the national currency as:
- wages and other payments provided for by the Law of Ukraine "On Remuneration of Labour";
- payments to members of the supervisory board/board of directors/executive body of a legal entity established under the legislation of Ukraine, provided for by the terms of civil law contracts concluded by such persons with this legal entity in accordance with Ukrainian legislation.
6. What documents can confirm the purpose of sending a SWIFT transfer, and what should they contain?
6.1. The list:
- agreements (contracts), invoices;
- letters of settlement or letters-messages of legal entities – non-residents, authorized bodies of foreign states, letters of lawyers or notaries of foreign states, statements of claim;
- invitation, family relationship documents or their duly certified copies;
- other supporting documents that are used in international practice.
6.2. Supporting documents (except for documents on family relations) must contain the following details:
- full name and location of the payee;
- the name of the bank and the details of the account to which the funds are transferred;
- the name of the currency and the amount to be paid;
- the purpose of payment.
6.3. If the supporting documents are in a foreign language, the bank shall be provided with their translation into Ukrainian, certified by the client personally or by a notary. If the translation is certified in person, it must contain the text "Translated by me", as well as the name, signature , and date.
7. What documents must be provided to confirm the sources of origin of funds for sending a SWIFT transfer?
7.1. Information/documents on determining the financial condition of a customer – an individual:
- declaration of property and income with a mark of the controlling body of Ukraine on its receipt;
- information received by the customer in accordance with the procedure established by the legislation of the relevant state body on income received in the corresponding year and taxes paid on these incomes (for example, a certificate from the pension fund –OK-7 form);
- tax declaration (declaration of income) marked with a mark of the controlling body of a foreign state on receipt (if any);
- FUIB statement on the amount of wages received;
- a certificate from an authorized bank of Ukraine, certified by a seal, on the amount of wages received.
7.2. Information/documents confirming own financial capabilities, sources of origin of the person's own funds and other assets, availability, placement, and/or use of the customer's assets, which make it possible to conduct or initiate a financial transaction for an appropriate amount:
- the real estate lease agreement is registered with the fiscal service (income for the current tax period is accepted);
- contracts, notarized, from the sale of real estate, made no later than the last 3 years (if the requirements of the legislation on the implementation of non-cash payments in national currency are met, which are confirmed by an extract from the bank);
- documents confirming the payment of dividends (protocol decision of the owners + financial statements of the legal entity and statutory documents);
- an agreement on the provision of financial assistance/a loan received from a legal entity or an individual, subject to the provision of documents confirming the financial ability of a legal entity/individual to provide such assistance;
- contracts of donation of material values, notarized;
- notarized certificate of the right to inheritance (funds in current accounts, including deposits in another bank).
7.3. Information/documents confirming the economic feasibility (content) of such a financial transaction (for example, documents confirming the actual residence of the individual payee of funds in the country of receipt of the transfer).
7.4. For the purpose of carrying out an operation by a non-resident involving the transfer of funds, the source of which is funds credited to the account of such non-resident with JSC “PUMB” in the national currency from 1 May 2026 as: wages and other payments provided for by the Law of Ukraine “On Remuneration of Labour”; payments to members of the supervisory board/board of directors/executive body of a legal entity established in accordance with the legislation of Ukraine, provided for by the terms of civil law contracts concluded by such persons with this legal entity in accordance with Ukrainian legislation, the following documents may be provided:
- employment contract / labour agreement, addendum thereto (the documents must be duly signed by both parties — the employee and the authorized representative of the employer);
- salary calculation provided by the employer, if the terms of the contract do not establish a fixed amount of remuneration, duly signed by the authorized representative of the employer;
- order (internal company directive), if the funds were received as an additional payment, allowance, annual performance-based remuneration, bonus under special incentive systems, etc.;
- work permit;
- PUMB bank statement confirming the amount of salary received.
The Bank may request additional documents for the purpose of documentary confirmation of the amount of salary.
8. How to send a SWIFT transfer?
8.1. In the PUMB mobile app, select the menu Payments - International transfers - SWIFT - Send transfer.
8.2. Contact a convenient outlet with the transfer details and supporting documents (if necessary).
the purpose of the transfer ( more about these document).