Sense SuperApp: Online Bank UA

Sense Bank — an online bank that makes managing your finances simple.

Open a banking account in minutes, transfer money from card to card or via IBAN, make payments and pay utility bills, track your spending, and manage your business account — all in one app.

To open a card is easy:
• Complete identification through a video chat or the Diia app.
• Get a digital bank card instantly after opening an account, with free delivery of your physical card.

Sense Bank JSC is a state-owned bank of Ukraine and one of the largest banks in the country.

BANKING SERVICES

• Fast payments and transfers: card-to-card and via IBAN, QR payments.
• Utility payments and mobile top-ups with no fee.
• Money transfers to Ukrainian banks.
• International SWIFT transfers and currency exchange.
• Create templates for regular payments and transfers.
• “Drag & Drop” payments — send money even faster.
• “Collect Money” feature — split bills or gather funds for a group goal.
• Manage tokens and subscriptions.
• Financial Assistant — track spending by category and plan your budget.
• Account statements and receipts in a few taps.
• Apple Pay and Google Pay support.
• Intuitive, personalized banking interface.
• 24/7 customer support.

BANK CARDS

• Choose your card — debit, credit, premium, and business, as well as сo-brand cards “Vygoda” (Epicenter) and ATB
• Top up your card — easily, with no fees, via Sense Bank ATMs and terminals, or through EasyPay and City24 terminals

BANKING FOR FAMILIES

Sense Bank cards for your loved ones and kids — shared credit limit, family budget control, and more rewards.

CASHBACK

• Cash ’u Club bonus program, advanced cashback, and special cashback from our partners
• Withdraw bonuses as real money (1 bonus = 1 UAH)
• Invite a friend to Sense SuperApp — you and the new client both get 100 UAH cash back directly to your accounts.

YOUR BUSINESS

• Entrepreneurs:
Open a sole proprietor account and a digital business card in just a few minutes in the app. Pay taxes, transfer funds to your personal card and to other banks, make payments, open a foreign currency account, sell currency 24/7, and more.

DEPOSITS

• “Fast” — daily interest accrual.
• “Profitable” — bonus for renewal.
• “Savings” — flexible term of your choice.
• Mortgage — consultation and online application.

CREDIT PROGRAMS*

• Cash Loan* — apply directly in the Sense Bank app and get a decision instantly.
*The actual annual interest rate depends on the loan amount and term and may range from 24.6% (calculated for the maximum loan amount of UAH 300,000 for 24 months) up to 411.3% (calculated for the minimum loan amount of UAH 1,000 for 24 months).
• Instant Installment* — pay for purchases in equal parts from your Sense Bank card.
*Maximum loan amount — up to UAH 200,000 for a term of up to 24 months. The actual annual interest rate is 27.9% for 6 months and 51.8% for 24 months, subject to compliance with the "Instant Installment Plan" program terms.
• Easy Installment* — split