O.Bank UA — bank online 24/7

JSC Idea Bank (Ukraine)

About this app

O.Bank is a mobile banking service from Idea Bank that gives you full access to your finances anytime. Open your own account, get a credit card, open deposits, make money transfers, and pay for services — all within one mobile application.

WHY CHOOSE O.BANK?

O.Bank provides all the essential banking services online. You can open an account, get a credit card with a credit limit, manage deposits, and handle your finances without ever visiting a branch. Our app ensures convenience, speed, and security for all your daily banking transactions.

CREDIT CARD

Credit Card with a credit limit of up to UAH 500,000 right in the app! Credit money can be repaid within 1 (one) year, with the possibility of extension by mutual agreement. The real annual interest rate is 47,11% or 81,37%. Up to 92 days of a grace period.
*Details are provided in the application before confirming the issue.

Download O.Bank, register via Diia or BankID, complete a quick selfie verification, fill out a questionnaire, and sign documents online. You're done — your digital card is already in your smartphone. No stress and no need to visit banks.

DEPOSITS

“Aktsiinyi” Deposit. Interest rate: up to 17.37% per annum in UAH. Deposit terms: 6, 9, or 12 months. The deposit can be topped up. Minimum deposit amount: UAH 1.

CASHBACK

An updated cashback program designed to maximize your benefits! Now you can manage your bonuses independently every month: analyze your spending, select relevant categories in the O.Bank app, and earn cashback on every purchase.

Each month, the app will offer a list of categories covering almost all your daily needs:

• Grocery stores, marketplaces, and everything for your home
• Petrol stations and taxis
• Utility bills (housing and utilities, TV, Internet)
• Pharmacies
• Electronics, clothing, and footwear
• Beauty and personal care, cafés and restaurants

Maximum monthly cashback amount: up to UAH 500.*

*Accumulated funds can be easily transferred to your main account directly in the app, less all applicable taxes and fees (23%), in accordance with the Tax Code of Ukraine.

BANKING SERVICES

- Bank Account and Card: Open an account, order a card, and control all your financial transactions via the mobile app.

- Deposits: Open a deposit in just a few taps and enjoy a stable income, guaranteed by European capital and protected by Idea Bank.

- Pay Later: Shop at partner stores and choose the pay later option — split your purchase into convenient payments.

- Money Transfers and Bill Payments: Instantly transfer funds between accounts, pay utility bills, top up your mobile, or carry out other financial operations.

EASY FINANCIAL MANAGEMENT

With O.Bank, you always have access to your money. Plan your budget, open deposits, get credit, and transfer money — all in one mobile application. With us, your finances are always under control.

O.Bank combines the reliability of a traditional bank with the technology of mobile banking and offers excellent terms for deposits, the ability to perform currency transactions, and pay for mobile top-ups. Advanced security technologies ensure financial protection. Additional identification steps and two-factor authentication guarantee the safety of each transaction.

Idea Bank JSC. License of the National Bank of Ukraine No. 96 dated 04.11.2011. State registration of banks No. 46 dated 22.10.1991.
Idea Bank JSC is part of the financial and industrial group TAS Group — https://tas.ua/

Ratings and reviews

I moved to obank recently, unfortunately i don't understand Ukrainian so the app is incredibly difficult for me to use. The girl that helped me in the bank said she was sure there was an English option, but neither of us can find it.

It just stopped to work after the latest update. It crashes on card transactions list retrieval. Smartphone: Redmi 9, Android version: 12, MIUI version: 13.0.2, application version: 1.17.0

Unable register, strange face identification method.

What’s new

What's new in this update:

• Cashback — spend as usual and get a part of it back. A nice bonus for your everyday purchases
• Actual payer field in IBAN transfers — specify who's really making the transfer
• Faster and more stable — overall performance optimizations and bug fixes

Update the app to enjoy all the new features of O.Bank!