PUMB launches a no-subscription-fee package for sole proprietors: account until the end of 2027, 1.1% acquiring, and a loan of up to UAH 3 million with no issuance fee

For an entrepreneur on the general simplified system (sole proprietor / FOP), banking costs are not a one-off item but a constant background: maintenance of the settlement account, fees for payments, transfers of one's own income, and acquiring when accepting payments. It is precisely on these regular expenses, according to RBC-Ukraine's assessment, that you can save noticeably by choosing terms that match your actual business volumes. PUMB (PUMB JSC, NBU license No. 8 dated 06.10.2011) offers new sole-proprietor clients a promotional package from 19 August to 31 December 2026 that covers several core business needs in one place.

Account with no subscription fee and unlimited hryvnia payments

The key condition of the promotion: a new PUMB client who opens a settlement account for a sole proprietor during the offer period pays nothing for its maintenance until the end of 2027. At the same time, the bank provides unlimited commission-free payments in the national currency during operating hours. For an entrepreneur this means there is no need to track the number of transfers made or to calculate the cost of the next payment in advance — within hryvnia operations, no fee is charged.

Withdrawing your own income without losses

Once a sole proprietor has earned and paid taxes, the entrepreneur can transfer up to UAH 200,000 from the FOP account to their own PUMB card without a fee. Subsequently, withdrawing these funds at PUMB ATMs is also commission-free. Thus, the path “settlement account → personal card → cash” carries no additional costs, which is especially relevant for those who regularly withdraw part of their turnover in cash.

Acquiring for businesses that accept cards

For shops, cafés, salons and other entrepreneurs for whom card payment is part of the daily process, PUMB offers acquiring at a rate of 1.1% per transaction. At the same time, no subscription fee is charged for using the POS terminal. It is important to note the deadlines: the 1.1% rate is valid until 15 July 2027, and the absence of a subscription fee for the terminal — until 31 July 2027. After these dates the terms may be revised, so entrepreneurs planning long-term cooperation should check the current rates on the bank's website in advance.

“всеБИЗНЕС for FOP” loan of up to UAH 3 million

If the business needs additional funds, PUMB offers the “всеБИЗНЕС for FOP” loan product for an amount of up to UAH 3 million for a term of up to 36 months. The one-time fee for issuing the loan is 0%, and the bank makes its decision within one day. A separate advantage: to receive a decision, the sole proprietor does not need to open an account at PUMB in advance — this lowers the entry barrier and allows you to evaluate the terms before deciding to switch banks.

Summary: what a sole proprietor gets under the promotion

Altogether, PUMB's promotional offer allows an entrepreneur, in a single bank, to maintain a settlement account with no subscription fee, make unlimited hryvnia payments, withdraw their own income without a fee, accept non-cash payments at a 1.1% rate with no subscription fee for the terminal, and, if needed, obtain financing with no issuance fee. The promotion runs from 19 August to 31 December 2026; you can join by submitting an application on the PUMB website. The detailed terms and limitations of the offer are published on the bank's website.