Why was no reward accrued after opening a card by invitation?

To receive a reward, the friend who opened the card by invitation must pay the amount of 100 UAH or more for goods or services (including utility bills or topping up the phone in the PUMB mobile app).

Did I fulfill the conditions for receiving the reward if I withdrew 100 UAH from the card that I drew up by invitation?

No. To fulfill the conditions of the Promo, it is necessary to make a purchase from 100 UAH for goods or services (including payment for utilities or top-up of a mobile phone using PUMB mobile app). Cash withdrawal, transfer from card to card, and replenishment of the deposit is not a fulfillment of the conditions for receiving the reward.

Can I get rewarded as an invited friend multiple times?

No, it is possible to receive a reward for opening a card by inviting a friend only once.

Will I get rewarded twice if I close the card issued on the invitation and then open it again?

No, because in this case you, as a friend, have already received a reward as part of the offer.

Will my friend and I receive a reward for opening a virtual card in the PUMB Online mobile app?

Yes, the reward is paid both for opening a physical and a virtual card. A virtual card is the same bank card with all its attributes (card number, expiration date, CVC, PIN code), but without the physical issue of plastic.

Is it possible for a friend to open a card at a branch if he does not have Дія?

Yes. However, in order to receive the reward, an invited friend must first follow your link, install PUMB mobile app, and enter and confirm your phone number by entering the code from the SMS received from the Bank. After that, you can contact the branch to continue issuing a card.

During what period, after fulfilling the conditions of the Promotion, will my friend and I receive a reward?

Payment of remuneration is carried out no later than 31 working days after the fulfillment of the conditions of participation in the Promotion.

Will taxes be withheld from the award amount?

Yes. Taxes and fees are deducted from the bonus amount. Additional reward income may result in the loss of benefits and subsidies.

Is it possible to open a card by invitation through the web version of the FUIB website?

No. Opening the card by invitation is possible only through a smartphone by installing PUMB mobile app.

What card does the Bank pay the reward to?

The reward is accrued to the sender of the invitation to the last account opened in hryvnia. To the recipient is accrued to the card that he drew up by invitation.

Is it possible to post a link with an invitation on social networks and not send it personally to the messenger?

You can copy the invitation with a link to participate in the Promo in the PUMB mobile app and post it in the public domain on social networks. In this case, the reward is accrued for all friends who opened cards by this invitation and fulfilled the conditions of the Promo.

Is it possible to open a card in a foreign currency by invitation and receive the reward?

In case of opening the card in foreign currency, in order to receive the reward, it is also necessary to issue a card in UAH and make a purchase by it from 100 UAH for goods or services (including paying utility bills or replenishing a mobile phone using PUMB mobile app).

Who can take part in the Promo?

FUIB customers can invite friends who are not customers of the Bank, as well as existing customers of the Bank who do not have credit products, to participate in the Promo.

What products can be issued under the Promo?

Friends who are not clients of the Bank can issue: Card for own and credit funds with or without a credit limit; vseKARTA card for own funds without a credit limit. Customers cannot order another product within the scope of this Promotion. Friends who are existing bank customers can issue a Card for own and credit funds with a credit limit. Before issuing a card with a credit limit, it is necessary to apply for a Unified credit limit.

What amount of reward will my friend and I receive for fulfilling the terms of the Promo?

Each of you will receive: UAH 300 per Card for own and credit funds with a credit limit; or UAH 100 for the Card for own and credit funds without a credit limit; or UAH 100 for a vseKARTA debit card. Availability of the product and credit limit is checked at the time of payment of the reward. Taxes and fees are deducted from the bonus amount.

What is the period of the Promotion?

The offer is valid from 01.06.2022 to 31.05.2024 and extended from 01.06.2024 to 31.05.2026.

Recommend cards from FUIB to your friends and get up to 300 UAH as a reward!

Scan the QR code, open the card and invite your friends through PUMB mobile app

Recommend cards from FUIB to your friends and get up to 300 UAH as a reward!

Scan the QR code, open the card and invite your friends through PUMB mobile app

Card for own and credit funds

Up to 62 days of grace period without overpayments for loan repayment

Mobile replenishment and utility bill payment without fee

Pay in installments for goods and servicesin the PUMB mobile app using your credit card limit (only for new customers)

Up to 200,000 UAH available credit limit amount

2.99% per month interest rateafter grace period ends

2.99% cash withdrawals and card-to-card transfers using credit funds

1. Можливі наслідки для клієнта в разі користування послугою з надання споживчого кредиту або невиконання ним обов'язків згідно з договором про надання послуги з надання споживчого кредиту:
- 1) клієнт повертає суму кредиту, комісії, відсотки, інші платежі за його користування відповідно до умов договору та вимог законодавства України;
- 2) у разі несвоєчасного виконання зобов’язань (в повному обсязі та/або частково) при користуванні споживчим кредитом передбачено:
  - - неустойку (штраф, пеню) за прострочення сплати по споживчому кредиту;
  - - право банку у визначених договором випадках вимагати дострокового погашення платежів за споживчим кредитом та відшкодування збитків, завданих йому порушенням зобов’язання;
  - - право Банку доручити врегулювання простроченої заборгованості колекторським компаніям, перелік яких визначено у файлі «Співпраця з колекторськими компаніями», розміщеному на сторінці https://about.pumb.ua/info/overdue_debt.
- 2. Банку забороняється:
  - 1) вимагати від клієнта придбання будь-яких товарів чи послуг від банку або спорідненої чи пов'язаної з ним особи як обов'язкову умову надання цих послуг (крім надання пакета банківських послуг);
  - 2) вносити зміни до укладених з клієнтами договорів в односторонньому порядку, якщо інше не встановлено договором або законом.
- 3. Клієнт має право:
  - 1) відмовитися від отримання рекламних матеріалів засобами дистанційних каналів комунікації;
  - 2) відмовитися від договору про надання споживчого кредиту протягом 14 календарних днів з дня укладення договору відповідно до положень Закону України «Про споживче кредитування».

Monthly fee 2.22% - try to find a lower one

Сash loan VSEYASNO

Monthly fee 2.22% - try to find a lower one

Up to 200 000 UAH maximum loan amount

Without fee for cash withdrawals and transfers to cards of other banks

2.22% monthly fee

Up to 36 mo. maximum loan term

Profitable offer for new customers
A loan of up to 5,000 UAH for three months without fee - when applying in the PUMB Online app

Only one active product is possible under these conditions

1. Можливі наслідки для клієнта в разі користування послугою з надання споживчого кредиту або невиконання ним обов'язків згідно з договором про надання послуги з надання споживчого кредиту:
- 1) клієнт повертає суму кредиту, комісії, відсотки, інші платежі за його користування відповідно до умов договору та вимог законодавства України;
- 2) у разі несвоєчасного виконання зобов’язань (в повному обсязі та/або частково) при користуванні споживчим кредитом передбачено:
  - - неустойку (штраф, пеню) за прострочення сплати по споживчому кредиту;
  - - право банку у визначених договором випадках вимагати дострокового погашення платежів за споживчим кредитом та відшкодування збитків, завданих йому порушенням зобов’язання;
  - - право Банку доручити врегулювання простроченої заборгованості колекторським компаніям, перелік яких визначено у файлі «Співпраця з колекторськими компаніями», розміщеному на сторінці https://about.pumb.ua/info/overdue_debt.
- 2. Банку забороняється:
  - 1) вимагати від клієнта придбання будь-яких товарів чи послуг від банку або спорідненої чи пов'язаної з ним особи як обов'язкову умову надання цих послуг (крім надання пакета банківських послуг);
  - 2) вносити зміни до укладених з клієнтами договорів в односторонньому порядку, якщо інше не встановлено договором або законом.
- 3. Клієнт має право:
  - 1) відмовитися від отримання рекламних матеріалів засобами дистанційних каналів комунікації;
  - 2) відмовитися від договору про надання споживчого кредиту протягом 14 календарних днів з дня укладення договору відповідно до положень Закону України «Про споживче кредитування».

Scan the QR code, open the card and invite your friends through PUMB mobile app

1. Можливі наслідки для клієнта в разі користування послугою з надання споживчого кредиту або невиконання ним обов'язків згідно з договором про надання послуги з надання споживчого кредиту:
- 1) клієнт повертає суму кредиту, комісії, відсотки, інші платежі за його користування відповідно до умов договору та вимог законодавства України;
- 2) у разі несвоєчасного виконання зобов’язань (в повному обсязі та/або частково) при користуванні споживчим кредитом передбачено: - неустойку (штраф, пеню) за прострочення сплати по споживчому кредиту; - право банку у визначених договором випадках вимагати дострокового погашення платежів за споживчим кредитом та відшкодування збитків, завданих йому порушенням зобов’язання; - право Банку доручити врегулювання простроченої заборгованості колекторським компаніям, перелік яких визначено у файлі «Співпраця з колекторськими компаніями», розміщеному на сторінці https://about.pumb.ua/info/overdue_debt.

Who can be invited?

Friends who are not clients of the Bank

to open Card for own and credit funds or vseKARTA cards

Existing customers of the Bank

to open a Card for own and credit funds

Reward amount and conditions of receipt

300 UAH each with a friend for a card with a credit limit

100 UAH each together with a friend for a card without a credit limit

Invite unlimited friends and get rewarded for each of them

Upon invitation, it is possible to issue only one product from the Bank

Taxes and fees are deducted from the bonus amount

Mandatory condition for receiving a reward

The reward is credited after making the first payment, issued by invitation card from FUIB, for the amount from 100 UAH.

The calculation refers to payment for the purchase of goods or services (including payment of utility services or phone top-up in PUMB mobile app).

Easy to invite a friend

Scan the QR code, open the card and invite your friends through PUMB mobile app

Got an invitation from a friend?

We answer your questions

To receive a reward, the friend who opened the card by invitation must pay the amount of 100 UAH or more for goods or services (including utility bills or topping up the phone in the PUMB mobile app).
No. To fulfill the conditions of the Promo, it is necessary to make a purchase from 100 UAH for goods or services (including payment for utilities or top-up of a mobile phone using PUMB mobile app).

Cash withdrawal, transfer from card to card, and replenishment of the deposit is not a fulfillment of the conditions for receiving the reward.
No, it is possible to receive a reward for opening a card by inviting a friend only once.
No, because in this case you, as a friend, have already received a reward as part of the offer.
Yes, the reward is paid both for opening a physical and a virtual card.

A virtual card is the same bank card with all its attributes (card number, expiration date, CVC, PIN code), but without the physical issue of plastic.
Yes. However, in order to receive the reward, an invited friend must first follow your link, install PUMB mobile app, and enter and confirm your phone number by entering the code from the SMS received from the Bank. After that, you can contact the branch to continue issuing a card.
Payment of remuneration is carried out no later than 31 working days after the fulfillment of the conditions of participation in the Promotion.
Yes. Taxes and fees are deducted from the bonus amount.

Additional reward income may result in the loss of benefits and subsidies.
No. Opening the card by invitation is possible only through a smartphone by installing PUMB mobile app.
The reward is accrued to the sender of the invitation to the last account opened in hryvnia.

To the recipient is accrued to the card that he drew up by invitation.
You can copy the invitation with a link to participate in the Promo in the PUMB mobile app and post it in the public domain on social networks. In this case, the reward is accrued for all friends who opened cards by this invitation and fulfilled the conditions of the Promo.
In case of opening the card in foreign currency, in order to receive the reward, it is also necessary to issue a card in UAH and make a purchase by it from 100 UAH for goods or services (including paying utility bills or replenishing a mobile phone using PUMB mobile app).
FUIB customers can invite friends who are not customers of the Bank, as well as existing customers of the Bank who do not have credit products, to participate in the Promo.
Friends who are not clients of the Bank can issue:
- Card for own and credit funds with or without a credit limit;
- vseKARTA card for own funds without a credit limit.
Customers cannot order another product within the scope of this Promotion.

Friends who are existing bank customers can issue a Card for own and credit funds with a credit limit.

Before issuing a card with a credit limit, it is necessary to apply for a Unified credit limit.
Each of you will receive:
- UAH 300 per Card for own and credit funds with a credit limit;
- or UAH 100 for the Card for own and credit funds without a credit limit;
- or UAH 100 for a vseKARTA debit card.
Availability of the product and credit limit is checked at the time of payment of the reward.

Taxes and fees are deducted from the bonus amount.
The offer is valid from 01.06.2022 to 31.05.2024 and extended from 01.06.2024 to 31.05.2026.

The files for downloading

Official rules of the action

Public offer of JSC “FUIB” for contract conclusion of complex bank services for individuals

Previous editions can be found at the link.

Terms of service of the vseKARTA package of services in hryvnias

Tariffs for service of individuals (current version)

Previous editions can be found at the link.

Tariffs for servicing individuals on products that are not drawn up (current version)

Previous editions can be found at the link.

Typical application form to join the CBSA

Recommendations to payment card holders regarding their use

Reminder for cardholders

Information to inform consumers of financial services

General terms of credit contracts, opening and maintaining accounts

For customers who drew up an agreement before 01.01.2016. Drawing up new agreements on the General Terms and Conditions will not be carried out from 01.01.2016

Information for military borrowers

Information on the essential characteristics of the Card for own and credit funds service with a grace period and the "Pay in installments" purchase service