The First Ukrainian International Bank (PUMB) is a contemporary of independent Ukraine. According to the data of the rating agency "Credit-rating" as of September 28, 2022, PUMB has the highest ("5" rating) deposit reliability rating. The All-Ukrainian network of PUMB has 207 branches, the bank is a member of the united banking network "Radius".

Product:
Virtual debit card "vseKARTA", which can be opened remotely in PUMB Online using the Diya program.

Target audience:

Financially active population of Ukraine aged 25 to 55, Internet users. Are in a stage of extreme uncertainty, which affects their consumption:
• ½ share of the audience reduced the consumption of "optional", premium goods by 40%;
• Switch to cheaper analogues with the aim of total savings due to a decrease in income and the desire to accumulate an airbag
• 50% changed (migrated) their place of residence
• Extremely sensitive to the price, the choice of the product is made only by the price, if the products are similar in their characteristics
• The most important criterion in choosing a bank is a convenient mobile application, remote opening of the product without a visit to the branch
• They consider the banking category to be rational, which should close all financial tasks remotely, simply and quickly
• They are already clients of at least 2 banks, which seek to reduce the repertoire to a minimum
• They consider the main bank where their regular income comes from
• New times stimulate new requests and update old ones: opening a payment card, transfers abroad/from abroad, etc.

Main advantages:
- 0% commission on:

  - card opening and maintenance
  - crediting money to the card
  - transfers to the card of any bank in hryvnia
  - mobile top-up and payment of utility services in the PUMB Online application
  - cash withdrawals at all ATMs in Ukraine

- 24/7 card opening and currency exchange in the mobile application
- quick opening in 5 minutes at PUMB Online using the Diya program or Bank ID

 

Credit card:

Up to 62 days of grace period without overpayments to repay the loan
2.99% per month interest rate after the end of the grace period
The available credit limit is up to UAH 200,000
2.99% cash withdrawals and card-to-card transfers with credit funds
Mobile top-up and utility bills are free of charge

The process of opening a virtual card takes place through the Bank's mobile application - PUMB Online.

The opening process begins with downloading the program, and then goes through 5 main stages:
1. Entering and validating a phone number.
2. Choosing a currency and getting acquainted with the terms of the card.
3. Identification through Diya or Bank ID.
4. Video verification and short questionnaire.
5. Signing the contract, inventing a password for entering PUMB Online.

A virtual debit card is an analogue of a regular debit card (a plastic card can be ordered online and picked up at a branch of the Bank or at a branch/post office of Nova Poshta).
You can connect the card to Apple Pay / Google Pay and pay with it in offline stores that accept contactless payments.

Goals: CPS1 - signed contract for opening a debit card, CPS2 - signed contract for opening a credit card.
GEO: all of Ukraine, except for occupied territories and zones of active hostilities.

PDL-Profit