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 payments for goods and services at our partner stores.
*Maximum loan amount - up to UAH 200,000 for a term of up to 24 months. The actual annual interest rate under the "Easy Installment Plan" program terms is 0.01% (for 3–24 months).
Sense SuperApp — your all-in-one online banking solution.
Manage your accounts and cards, make payments and transfers, open deposits, and perform currency operations — everything you need for everyday banking in one simple and secure app.
Sense Bank JSC. Registered in the State Register of Banks No. 158. Banking License of the National Bank of Ukraine No. 61 dated 01.12.2022.
Дякуємо вам за довіру! Спонукаєте нас працювати ще старанніше, аби ви могли користуватися нашим застосунком з комфортом 💙 Володимир
Very hard to find basic banking functions
Sir Helgi
Interface not intuitive. Banking functions take at least twice more clicks to get to than the old Alfa app. Old Alfa app is much easier to navigate. It feels that Sense app has little sense about helping with banking operations
Developer Response
Thank you for your feedback. Perhaps over time you will familiarize yourself with all the functionality of the application. And change your opinion to 5 stars 😉️
The new app is confusing and counterintuitive than the old app. The bank arbitrarily reduces credit limits despite timely payments!
Developer Response
The decision to reduce the credit limit on the card was forced in the current situation. As soon as Ukraine wins and the situation in the country stabilizes, the bank will consider repaying credit limits as soon as possible. Please clarify what exactly you do not understand in the new application of the bank? We are always looking for ways to improve it, so we are always happy to receive suggestions and comments from our customers Take care of yourself and your loved ones. Everything will be Ukraine 💙💛
Конвертацiя
Irnos
Доброго дня! Перестала працювати функцiя конвертацiï гривнi в долари США.
Developer Response
Обмін гривні на валюту тимчасово заборонено НБУ. Ми повернемо цю функцію, як тільки це буде можливо
Bugs — minus.
Reliability — plus.
New features — coming soon:)
Version 6.2.2
The developer, JSC Sense Bank, indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Contact Info
Identifiers
Data Not Linked to You
The following data may be collected but it is not linked to your identity:
Location
Contacts
User Content
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
Information
Seller
JSC Sense Bank
Size
540 MB
Category
Finance
Compatibility
Requires iOS 13.0 or later.
iPhone Requires iOS 13.0 or later.
iPod touch Requires iOS 13.0 or later.
Apple Vision Requires visionOS 1.0 or later.
Languages
English and Ukrainian
Age Rating
4+
4+
This app has an age rating of 4+ with content restrictions. Some content may be rated higher, but access is managed by the developer through in-app controls.