PUMB vs Privat24: which bank app is better in 2026
Short answer: pick PUMB if you want a focused banking app where you open a virtual card in a few minutes, send money by card or phone number, pay utilities and traffic fines by IBAN, top up your phone, buy currency online and put money aside in a MoneyBox or a deposit opened in the app. Pick Privat24 if you want an app that does far more than banking, with Envelopes for goals, a Junior card from age 6, parking, train and bus tickets, transport fares, insurance, certificates and safe boxes on top of payments, deposits and loans.
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 beyond banking. 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 | Privat24 | |
|---|---|---|
| Best for | focused everyday banking with PUMB | banking plus city services in one app |
| Opening a card | virtual card in the app in about 5 minutes | virtual card with a choice of design |
| Transfers | to other banks’ cards, receives Western Union, Payoneer, Ria, MoneyGram | by card, IBAN, instant and SWIFT |
| Payments | utilities and traffic fines by IBAN, mobile top-up | utilities, internet, TV, education, fines, auto payments |
| Saving | MoneyBox, deposit opened in the app | deposits in UAH, USD and EUR, Envelopes |
| Beyond banking | not mentioned | parking, tickets, transport fares, insurance, safe boxes |
| For children | not mentioned | Junior card from age 6 |
| App languages | English, Ukrainian | English, Ukrainian |
Opening a card and everyday payments
PUMB lets you open a virtual card right in the app in about five minutes, then send money from your vseKARTA or vseMOZHU Online card to other banks’ cards in hryvnia by the recipient’s card number or phone number. It pays utility bills and traffic fines by IBAN, tops up your mobile phone, buys currency online and receives international transfers from Western Union, Payoneer, Ria and MoneyGram. Privat24 also tops up by Apple Pay, from another bank’s card or by IBAN, sends instant and SWIFT international transfers, pays internet, TV, education and traffic fines and sets up auto payments.
Saving and credit
PUMB keeps savings in a MoneyBox on the card account and opens a deposit in the app, applies for credit online and offers Pay in parts, including with partner stores. Privat24 has deposits in hryvnia, dollars and euros, Envelopes for goals and donations, spending Analytics, credit limit management, Pay in parts, cash loans, mortgages and car loans. Both banks show the terms in the app before you confirm.
Beyond banking
Privat24 goes well past the bank: parking in your city, train and bus tickets, public transport fares, motor, green card, health and travel insurance, official certificates, a Charity service and safe boxes for documents and valuables, plus a Junior card from age 6 with parental control. PUMB’s listing stays on banking and does not mention city services or a children’s card.
Verdict
Pick PUMB when you want a quick virtual card and a focused app for transfers, bills, currency and saving. Pick Privat24 when you want one app for banking, city services, insurance and a child’s card. If Oschadbank is also on your list, see Privat24 vs Oschad, for monobank, monobank vs Privat24, and PUMB against monobank in PUMB vs monobank.
Frequently asked questions
Is PUMB or PrivatBank better?
Neither outright. PUMB is a focused banking app with a quick virtual card, transfers by card or phone number, bills by IBAN, currency and a MoneyBox. Privat24 is the broader app, with parking, tickets, insurance, safe boxes and a Junior card.
Can I open a PUMB card without visiting a branch?
PUMB’s listing says you can get a virtual card in the app in about five minutes.
Can a child get a card?
Privat24 has a Junior card from age 6 with parental control of spending. PUMB’s listing does not mention a children’s card.