About
monobank is Ukraine's app-only retail bank brand, operated by JSC Universal Bank under National Bank of Ukraine licence No. 92 and developed with the IT firm Fintech Band by three former PrivatBank executives; it opened as an invite-only beta in October 2017. There are no branches: customers open an account in the app, pay with monobank cards, by QR code and payment links, and can split purchases into instalments whose interest the merchant covers. Online merchants accept it through plata by mono, monobank's own acquiring and checkout service. monobank reached 10 million customers in October 2025.
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