Sense Bank review
Updated September 28, 2026 · VaultCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Sense Bank suits people in Ukraine who want one app for a current account and a fixed deposit, with a rate of UAH 11.50 to UAH 13 on terms of 3 to 24. The account fee of UAH 50 and the 8 currency count make it a middle option rather than a lowest-cost one.
Key facts
- Best for
- Holding spare hryvnia in a fixed deposit alongside a current account in the same app.
- Monthly fee
- UAH 50↗
- Currencies
- 8↗
- Free ATM withdrawals
- UAH 20,000↗
- Transfer fee
- 0 UAH for a currency transfer to a first-degree relative in Sense SuperApp↗
- Legal entity
- Joint Stock Company Sense Bank↗
- Headquarters
- Ukraine↗
- Founded
- 1992↗
- Support channels
- Phone, Email, Help-centre↗
- Audience
- Travelers, Business, Teens
- Pricing model
- Fixed rate
- Features
- Free ATM withdrawals
- Official website
- sensebank.com.ua
Savings
Pros and cons
Pros
- A fixed deposit pays UAH 11.50 to UAH 13 over terms of 3 to 24
- Support covers phone, email and help centre
- The current account holds 8 currencies with a free ATM allowance of UAH 20,000
- Card payouts are free, so a transfer between cards costs nothing
Cons
- The current account charges UAH 50 a month
- Deposits need a Sense Bank current account or card first
- Fixed deposits are fixed and start at UAH 5,000
Who it suits
- Travelers who want 8 currencies in one account
- Teenagers opening a first bank account in Sense SuperApp
- Business owners who want the deposit and the current account in one place
Who should look elsewhere
- PayPal Colombia, Plazo ES and Skrill, whose monthly fees are $0, €0 and €0
- Anyone who wants to open a deposit without holding a current account or card
- People who need easy access to their savings, since the deposit is fixed
Rates and card terms
The deposit is a fixed product at UAH 11.50 to UAH 13, run over 3 to 24 with a UAH 5,000 minimum. Money goes in through the app: a transfer to a first-degree relative is charged nothing, and payouts reach a bank account or a card. The current account itself costs UAH 50 a month and includes a free ATM allowance of UAH 20,000, and incoming SWIFT transfers land in 1-3 business days for SWIFT incoming transfers.
The company behind it
Sense Bank is Joint Stock Company Sense Bank, headquartered in Ukraine and founded in 1992. It holds licence 61 from the National Bank of Ukraine, so it is supervised as a bank rather than as an app or wallet. You can reach the bank on phone, email and help centre, and the account and the deposit are both opened inside Sense SuperApp.
How Sense Bank compares
9.3 vs 8.7
9.3 vs 8.6
9.3 vs 8.0
9.3 vs 8.9
9.3 vs 9.1
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 8.7
9.3 vs 9.0Charges €0 monthly and holds a wallet balance rather than a bank deposit at UAH 11.50 to UAH 13.
9.3 vs 8.7
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.9- 9.3 vs 8.9
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.3
9.3 vs 8.2
9.3 vs 8.1- 9.3 vs 8.1
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 8.0
9.3 vs 9.1
Where Sense Bank is available
- Available
- Ukraine
- Licence in Ukraine
- National Bank of Ukraine (61), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What rate does the Sense Bank deposit pay?+
The deposit is fixed and pays UAH 11.50 to UAH 13. You choose a term between 3 to 24 and put in at least UAH 5,000. The rate stays the same for the whole term, so the amount you earn is set once the deposit opens.
How much does a Sense Bank current account cost?+
The current account costs UAH 50 a month. It includes 8 currencies and a free ATM allowance of UAH 20,000. Some transfers are free, such as a currency transfer to a first-degree relative in Sense SuperApp.
Do I need a current account to open the deposit?+
Yes. Deposits are opened inside Sense SuperApp, and a Sense Bank current account or card is required first. That is worth knowing if you came to the deposit on its own, since the account carries UAH 50 a month.
Which bank supervises Sense Bank?+
Sense Bank is Joint Stock Company Sense Bank and holds licence 61 from the National Bank of Ukraine. It is a licensed bank, so your account is with the bank rather than with a money app or an e-money firm.
How many currencies can I hold?+
The current account holds 8 currencies, which puts it around the middle of the accounts on the site. A free ATM allowance of UAH 20,000 comes with it. Incoming SWIFT transfers arrive within 1-3 business days for SWIFT incoming transfers.
How do I get money out of a Sense Bank deposit?+
Payouts go to a bank account or to a card. Transfers to a first-degree relative inside Sense SuperApp cost nothing, so a transfer between your own accounts does not cost you. Other transfers are priced as a transfer fee.
Who can get a Sense Bank account?+
The bank lists travelers, business and teen among the groups it serves. That covers people who travel, run a business and teenagers, and the account and the deposit are both set up in the app.
How do I reach Sense Bank support?+
Support runs on phone, email and help centre, so you can call, email or use the help centre. The account is app-based, which keeps most tasks in Sense SuperApp rather than in a branch.
Sources
- sensebank.com.ua/about checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Support channels
- sensebank.com.ua/currency-exchange checked September 26, 2026
Backs: Fee to send 1,000
“make a currency transfer without commission (relative currency transfer in Sense SuperApp)”
- sensebank.com.ua/deposits/pributkovij checked September 26, 2026
Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Rate type, Term
- sensebank.com.ua/en checked September 26, 2026
Backs: Licences
- sensebank.com.ua/packages checked September 26, 2026
Backs: Free ATM withdrawals, Audience, Features, Monthly fee
- sensebank.com.ua/perekaz-z-kartky-na-kartku checked September 26, 2026
Backs: Payout methods
“card-to-card transfer ... funds are transferred to the card of another person or to an account in another bank”
- sensebank.com.ua/platezi-ta-perekazi checked September 26, 2026
Backs: Delivery time, Transfer fee
“Money is credited to the account within 1-3 business days”
- sensebank.com.ua/potocnij-rahunok checked September 26, 2026
Backs: Currencies
Compiled from 8 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Licence type, Deposit protection, Currency conversion fee.
Related by the facts
Guides
Sense Bank
Holding spare hryvnia in a fixed deposit alongside a current account in the same app.