monobank – modern digital bank

Universal bank | Monobank

About this app

monobank — the first mobile bank, over 10 million users, digital bank, online bank, card, loans, money transfer, payments, cashback, deposit, currency exchange, insurance, business account, in-app marketplace. Banking and finance, open an account, get a card via the app, banking in your pocket, 24/7.

Yeah, that was a keyword dump. We did it on purpose so you can actually find us. Here's the real stuff:

Quick Start
Download the app, confirm your phone number and verify your identity using Diia or your ID documents. You get a virtual card in the app right after registration, and a physical card can be delivered to you through Nova Poshta or Ukrposhta

Cards for EveryDay Life
Debit and credit cards, currency cards for dollars and euros, a unified Diia.Card for government payments and a child’s card with parental controls. Contactless payments with Google Pay — add your card to your wallet and pay with your phone

Credit Online
Apply for a credit limit in the app. The decision is made after reviewing your data, terms, rates and limits are shown before confirmation

Split Payments
Buy electronics and other goods at partner stores: installments are available, with terms shown before you confirm the purchase. Turn past purchases into parts — you get the money back on your card and repay it gradually

Transfers and Smart payments
Money transfer to a card or account, transfers by phone number, international transfers. Pay bills in a few taps: electricity, gas, water, internet, TV, mobile top-up and fines. Zero fees, and the transfer status is visible in the app. Send money with ease

Currency Exchange
Buy and sell currency online — the exchange rate is shown before you confirm

Deposit
Open a deposit in a minute; rates and terms are available in the app. Government bonds are also available in mono

Cashback
Choose categories every month and get cashback on groceries, taxi, fuel, cafes, books, sports plus, and entertainment under the program terms. Additional offers with WOG Pride

Business Portal and SP for Work
Open a Business Portal for entrepreneurs (SP) online: control taxes, reports and payments without paperwork — in the same banking app.

Insurance
Car insurance (MTPL and Green Card) issued online in minutes. Policy terms are shown before payment

Banka
Create a Banka to collect money for charity, community initiatives, or shared goals with friends and family

monomarket and monobazar
An in-app market for new goods with installment options, plus a marketplace for pre-owned items — buy and sell without leaving the app. Shop smart, whatever your budget

eSIM
Connect an eSIM — a digital alternative to a physical SIM card — right in the app

Also in the app
Track spending, manage group expenses with friends, accept payments from your phone. Support in chat, 24/7

Transparent terms
Fees, limits and rates are always visible in the app before you confirm a transaction. Credit terms depend on a review of your data and the bank's decision.

JSC "UNIVERSAL BANK". NBU License No. 92 dated 20.01.1994, State Register of Banks No. 226, Kyiv, Ukraine

Download monobank — banking that finally works for you

Ratings and reviews

probably the best internet banking that I've seen yet; edit20260605: -1 star for no ability to configure proper 2FA with an authenticator apps; -1 star for no ability to verify your recent login sessions; total: 3 stars

The best service and features! Opened the account quickly using the app, and amazed about how convenient it is. Recommended!

App can't issue MasterCard cards, only a Visa card.