A-Bank vs monobank: which is better in 2026
Short answer: pick àbank24 from A-Bank if you want partner cards for ATB, Epicentr and Bolt that share one contract and one balance with the main card, entrepreneur accounts in hryvnia and foreign currency with an instant virtual card, and support in Viber, Telegram or iMessage around the clock. Pick monobank if you want a bank that lives entirely in the app, with a Business Portal where sole entrepreneurs handle taxes and reports, Banka jars for fundraising, government bonds and a built-in marketplace. Both apps are in Ukrainian and both open a card without a branch visit.
How we compare: what each bank says about its app in its own UA App Store description, opening a card, card types, payments and saving, tools for entrepreneurs and support. We leave out fees, rates, cashback and credit limits, because they change and the banks show them in the app before you confirm. Then the current place of both in the Censuus ranking.
| àbank24 | monobank | |
|---|---|---|
| Best for | partner cards for everyday shops | an app-only bank |
| Opening | documents through Diia or a photo of your passport and tax ID | in the app, ID through Diia or documents |
| Cards | Zelena, ATB, Vyhoda for Epicentr, Bolt, USD and EUR, child’s card | debit, credit, USD and EUR, Diia.Card, child’s card |
| Saving | deposits in UAH, USD and EUR | deposits, government bonds, Banka jars |
| Entrepreneurs | accounts in UAH and currency, instant virtual card | Business Portal: taxes, reports, payments |
| Extras | eSIM, insurance, pay in parts at partners | monomarket, monobazar, eSIM, car insurance |
| Ukrainian interface | yes | yes |
Opening a card and card types
àbank24 opens a card without visiting a branch: pass your documents through Diia or photograph your passport and tax ID, fill in a form and pick a card. Its partner cards, ATB for ATB stores, Vyhoda for Epicentr and Bolt for rides and delivery, are issued on one contract with the main Zelena card, so they share one balance and one spending list. It also has dollar and euro cards, a child’s card and cards for state support programmes. monobank opens in the app too: confirm your phone, verify through Diia or documents and get a virtual card straight away, with debit and credit cards, dollar and euro cards, Diia.Card and a child’s card with parental controls.
Payments, saving and extras
Both apps send money by card and phone number, pay utilities and mobile top-ups, exchange currency, work with Apple Pay and sell eSIM. àbank24 adds deposits in hryvnia, dollars and euros, one-tap insurance, instalments and cash loans and Pay in parts at partner stores, plus topping up your card from other banks’ cards. monobank adds deposits, government bonds, Banka jars for charity or shared goals, monomarket and monobazar and car insurance.
For entrepreneurs and support
For sole entrepreneurs and companies, àbank24 opens accounts in hryvnia and foreign currency right in the app, issues a virtual entrepreneur card instantly and keeps all business cards and accounts in one cabinet. monobank describes a Business Portal opened online, where taxes, reports and payments sit in the same banking app. For help, àbank24 names operators 24/7 in Viber, Telegram or iMessage and an online chat in the app.
Verdict
Pick àbank24 for partner cards tied to ATB, Epicentr and Bolt on one balance, currency accounts for entrepreneurs and support in your messenger. Pick monobank for an app-only bank with a Business Portal, Banka jars and a built-in marketplace. If you are weighing monobank against PrivatBank instead, see monobank vs Privat24, and to manage spending on top of your bank, monobank budget apps. Also weighing Sense Bank? See Sense Bank vs monobank.
Frequently asked questions
Is A-Bank or monobank better?
Neither outright. àbank24 suits you if you shop at ATB or Epicentr or ride with Bolt and want partner cards on one balance, monobank suits you if you want an app-only bank with a Business Portal, Banka jars and monomarket.
Can I open a card without going to a branch?
Yes, in both. àbank24 takes your documents through Diia or photos of your passport and tax ID, monobank verifies you through Diia or documents and gives a virtual card right after registration.
Which is better for a sole entrepreneur (FOP)?
àbank24 opens entrepreneur accounts in hryvnia and foreign currency with an instant virtual card and one cabinet for all of them. monobank describes a Business Portal with taxes, reports and payments in the same app. Compare fees and terms in each bank before you choose.