monobank

monobank is Universal Bank’s product. National Bank of Ukraine. FGVFO on eligible Universal Bank deposits — wartime caps are restated by law, so read FGVFO, not a 2021 blog. Directories list ‘Monobank JSC’ as its own bank. It is not. Fintech Band built the app. Universal Bank holds the deposit. Monzo is a UK PRA bank. Different country, different object, similar letters.

Kyiv, 2017. Black app, white card, iron puns. Directories smash it into Monzo and into LeoBank’s lion. Universal Bank is the file. This desk writes the parent.

monobank lists Digital product of Universal Bank (PRAT). Not a separate NBU bank under National Bank of Ukraine in Ukraine. On safeguarding we currently write: Deposit Guarantee Fund (FGVFO) on eligible deposits at Universal Bank. Wartime rules and caps are restated by law — confirm the live FGVFO ceiling. Shared with other Universal Bank deposits.. Holder / issuer line: Universal Bank (PRAT). An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 1 live markets on the product. As we score the sticker: monthly €0-like pitch on core — confirm live; FX Bank / card tariff; ATM Network schedule; interest Iron / savings SKUs — rates move. This desk would open it for: Ukraine residents who want Universal Bank in a black app.

What it does well: Named NBU bank behind the brand; FGVFO follows Universal Bank; Best-in-class local app ratings. What to watch: Ukraine-resident; Wartime FGVFO rules must be read live; Shared cap with Universal Bank. Desk score 7.5 / 10 (safety 7.6, fees 8.2, features 8.4, app 9.2). Last verified 2026-08-30. Headquartered in Kyiv, Ukraine; founded 2017. None of this is advice — it is a file so you can read the entity before the card colour.