PUMB vs monobank: which bank app is better in 2026
Short answer: both open a card in the app without a branch visit. Pick PUMB if you want a bank app that also receives international transfers through Western Union, Payoneer, Ria and MoneyGram, pays utilities and traffic fines by IBAN and keeps savings in a MoneyBox. Pick monobank if you want Banka jars for fundraising and shared goals, government bonds, Diia.Card and a child’s card, a built-in marketplace and a Business Portal where sole entrepreneurs handle taxes and reports.
How we compare: what each bank says about its app in its own App Store description, opening a card, everyday payments and transfers, saving and credit, and services for entrepreneurs. We leave out fees, rates, cashback and loan terms, because they change and the banks show them in the app before you confirm. Then the current place of both in the Censuus ranking.
| PUMB | monobank | |
|---|---|---|
| Best for | transfers from abroad and bills by IBAN | an app-only bank with jars and a marketplace |
| Opening a card | virtual card in the app in about 5 minutes | in the app, ID through Diia or documents |
| Cards | vseKARTA, vseMOZHU Online credit card | debit, credit, USD and EUR, Diia.Card, child’s card |
| Transfers | by card or phone, receives Western Union, Payoneer, Ria, MoneyGram | by card, account or phone, international transfers |
| Saving | MoneyBox, deposit opened in the app | deposits, government bonds, Banka jars |
| Extras | traffic fines by IBAN, Pay in parts with partner stores | monomarket, monobazar, eSIM, car insurance |
| Entrepreneurs | not mentioned in the listing | Business Portal: taxes, reports, payments |
| Ukrainian interface | yes | yes |
Opening a card
PUMB lets you open a virtual card right in the app in about five minutes, with the vseKARTA debit card and the vseMOZHU Online credit card named in its listing. monobank opens in the app too: confirm your phone, verify through Diia or documents and get a virtual card straight away, with debit and credit cards, dollar and euro cards, Diia.Card and a child’s card with parental controls.
Payments and transfers
Both apps send money by card and phone number, pay utilities and top up your mobile, and exchange currency. PUMB pays utility bills and traffic fines by IBAN and receives international transfers from Western Union, Payoneer, Ria and MoneyGram in the app. monobank also sends international transfers, works with Apple Pay, sells eSIM and car insurance and has monomarket and monobazar built into the app.
Saving, credit and business
PUMB keeps savings in a MoneyBox on the card account, opens a deposit in the app, takes credit applications online and offers Pay in parts, including with partner stores. monobank has deposits, government bonds and Banka jars for charity or shared goals, and describes a Business Portal opened online, where sole entrepreneurs handle taxes, reports and payments in the same app. Both banks show the terms in the app before you confirm.
Verdict
Pick PUMB when you receive money from abroad through Western Union, Payoneer, Ria or MoneyGram, or want bills and fines paid by IBAN with a MoneyBox on the side. Pick monobank when you want jars, bonds, a child’s card and a Business Portal in one app. To compare PUMB with PrivatBank instead, see PUMB vs Privat24, and for A-Bank, A-Bank vs monobank.
Frequently asked questions
Is PUMB or monobank better?
Neither outright. PUMB is handy for receiving transfers from abroad, paying bills and fines by IBAN and saving in a MoneyBox. monobank is broader as an app, with Banka jars, government bonds, a child’s card, monomarket and a Business Portal.
Can I receive Western Union or Payoneer transfers?
PUMB’s listing says you can receive Western Union, Payoneer, Ria and MoneyGram transfers in the app. monobank’s listing mentions international transfers without naming these services.
Which one suits a sole entrepreneur?
monobank describes a Business Portal for taxes, reports and payments. PUMB’s app listing does not describe services for entrepreneurs.