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Narodniy Bankir

Many Ukrainians believe that a bank is difficult. Make sure that the bank is simple, convenient and affordable to everyone with the “Narodniy Bankir” project from PUMB!

We collect the most relevant financial advices for you and answer common questions. We explain in simple language how to manage the money effectively and navigate the financial market. And also we tell the stories of customers which can help you in making decisions.

Mobile banking: a bank in your pocket
17 January 2020
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Smart gadgets have become an integral part of our lives: we use smartphones not only for calls and messages but also for checking the weather, viewing news feeds, searching for information, online shopping and the like.

As the results of a survey conducted by Research & Branding Group in February 2019 show, more than half of Ukrainians (55%) have a smartphone. Besides, they are so fond of paying with these devices that by the end of 2018, Ukraine entered the top-5 countries in the number of NFC-transactions with Mastercard cards and the top-3 among 90 countries in Central Europe, the Middle East, and Africa – with Visa cards.

For information help

NFC (Near Field Communication) is a short-range wireless communication technology that allows contactless data exchange between devices located at short distances: for example, between a terminal that reads and a mobile phone or payment card.

In Ukraine, for the first quarter of 2019, the number of contactless payments via smartphones increased by 35 times. And the PUMB mobile application has already been installed on more than a million gadgets. And this is not surprising since there are a lot of advantages when using banking services using a smartphone. Already, 65% of PUMB's Internet banking users preferred a mobile application.

Time is not only money

Everyone knows that time is money. And also comfort, peace of mind, good mood. With mobile banking, you don’t need to look for an ATM or a branch of a financial institution, spending your time waiting in line at a branch, waiting for a connection with an operator and having long conversations. All banking with a bunch of advantages is in the smartphone and works 24/7.

Today, a customer can solve 80% of his financial problems, independently using the phone. At any time, anywhere, without commissions using a mobile phone, you can pay in a store, at a gas station, in transport. It is safe, fast and always at hand. Besides, it is possible to create templates for convenient and quick transfers by card or account number, payment of monthly services (mobile communications, utilities, and others).

Using the settings, you can independently manage your banking capabilities, change the limit on the number of transactions per day and withdrawal amount, activate and block operations abroad or on the Internet, etc.

It is also convenient to control how much money is left on the card, to see the entire history of transactions: receipt on the card and debiting from the account. You can add cards of other banks in "PUMB Online" and freely transfer funds between different cards, repay loans, etc.

Additionally, it is possible to use Apple Pay and Google Pay mobile payment systems. Using new technologies allows you to minimize the amount of data that the seller receives because instead of information about the card, its number, expiration date, etc., a unique account number is transferred, encrypted and stored on the device. It is important that the bank guarantees transaction security

Журнал «Народний банкір» №12/2019

Always in touch

According to Google research, Ukrainians spend more time in the Viber, Facebook and Telegram messengers. And banks took advantage of this love to improve their customer service. So, using the service of PUMB Bank, you can get the necessary information in Viber at any time and without calls. Access to this service is possible using the Viber button at the bank’s official website or you can find the public account of PUMB in the application and select a chatbot for simple operations. Viber has the possibility to apply for a loan, find out the amount of the planned payment and crediting of the last payment in cash or by credit card, order car insurance or find out the current exchange rate.

Savings and accumulations

Although you have a regular income, will not you begin to save and accumulate? With mobile banking, it is very simple. For example, a very convenient “Free” deposit. Replenish it at any time for any amount and accumulate for traveling, training or entertainment. Any dream is available to you! At the same time, freely withdraw from the deposit any amount for your needs 24/7 without loss of interest, which will be charged monthly. The “Free” deposit  ̶  up to 11%* per annum in hryvnias for an amount from 100 UAH.

*The information as of 04.12.2019

Good tips

When a customer uses a card, the bank understands for what and when he spends money. This understanding makes it possible to make new offers to the customer and timely prompts. For example, a customer replenishes his mobile phone via a third resource. The bank sends instructions to the customer in Viber how to do this without commission in the mobile application. Or the bank rejects the payment due to insufficient balance of the account and immediately offers to activate the overdraft service right now to pay for the goods. And in the future, the bank will also offer to issue a credit card to avoid embarrassing situations. The bank also holds a lot of training newsletters – how to recover the PIN code and password, make transfers, pay for services.

PUMB accustoms its customers to manage finances independently, becomes an “invisible” bank, doesn’t bother once again and is always nearby.

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