UA · UAH
Ukraine digital banks
monobank is Universal Bank’s product, not a separate NBU charter. Black app, FGVFO at Universal Bank. That is the whole file. Directories that list ‘Monobank JSC’ as its own bank are copying a brand.
1Live on the desk
Regulator
National Bank of Ukraine (NBU)
Deposit scheme
Deposit Guarantee Fund (FGVFO) covers eligible deposits at member banks — wartime rules and caps are restated by law; confirm live
In this market
Licence still sits on the product| Product | Score | HQ | Monthly | FX | Users | Licence | |
|---|---|---|---|---|---|---|---|
 monobank | 7.5 | Kyiv, Ukraine | €0-like pitch on core — confirm live | Bank / card tariff | ~9 million | Digital product of Universal Bank (PRAT). Not a separate NBU bank |
Questions
01Is monobank its own bank?
No. It is a digital product of Universal Bank (PRAT). Eligible deposits sit under the Deposit Guarantee Fund at Universal Bank. Confirm wartime coverage rules on FGVFO.
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