monobank Black Card

Spend yours. Borrow ours.

Card Perks

  • Free CardOpening

    And maintenance, too

  • Credit LimitUp to ₴500,000

    Only if you need it, though

  • Grace PeriodUp to 62 Days

    Pay on time, pay nothing extra

  • Easy limitManagement

    For Card, Installment Plan, and Split Payments

Card in a Few Steps

All you need: 2 minutes, your phone, and… that’s it!

Download the App

Get monobank from App Store or Google Play

Verify Your Identity

Take a selfie with your passport and tax ID — or upload your documents straight from Diia

Done! The Card is Yours!

Use your virtual card right away. Or order a physical one — we'll get it to you fast

Download the App

Get monobank from App Store or Google Play

Verify Your Identity

Take a selfie with your passport and tax ID — or upload your documents straight from Diia

Done! The Card is Yours!

Use your virtual card right away. Or order a physical one — we'll get it to you fast

monobank means
convenience

No fees, done in minutes

Bill Payments

Utilities, fines, no extra charges — credit or not

Cashback up to 20%

Pick two cashback categories, plus extra partner offers monthly

Split Payments

Pay in chunks. No interest, no catch

Installment Plan

Convert any spending to installments — money returns to your card instantly

IBAN Payments

Make them as easily as card transfers

Contact Book

Send money or top up a phone — no card number needed

Unique Card Design for Apple and Google Pay

Add your avatar or choose from available skins

Credit Calculator

Calculate your total credit cost

Key Features

Learn more

Our Pricing

Learn more

Warning

  • Minimum loan amount – from ₴0
    Maximum loan amount – ₴500,000
    Minimum loan term – not specified
    Maximum loan term – 25 years (renewable)

    Information about possible consequences of using the credit or failing to fulfill contract obligations:

    When obtaining the credit:

    • The borrower repays the amount according to the terms of the contract and the law;
    • The borrower may incur expenses in the form of interest and fees;
    • The credit limit amount may change.

    In case of late repayment or other contract violations:

    • Penalties may apply to the borrower;
    • We may demand early repayment and compensation for losses caused by the contract violation;
    • We may engage collection agencies if the borrower fails to repay the debt.

    We are prohibited from:

    • Requiring the client to purchase any goods or services related to us;
    • Unilaterally amending contracts concluded with clients, except in cases provided for by the contract and the law.

    The client has the right to:

    • Opt out of receiving promotional communications via the customer care chat;
    • Withdraw from the consumer credit agreement within 14 calendar days from the date of signing, in accordance with the provisions of the Law of Ukraine “On Consumer Lending”.

Frequently Asked Questions

What is a credit card and how do I use it?

  • Think of it as your everyday card — with a built-in credit limit for when you need it. Shop, pay subscriptions, withdraw cash. Pay it back within 62 days and you won’t pay a penny in interest — that’s your grace period.

Can I open a credit card without leaving home?

  • No branch visits, no waiting for a call.

    1. Download the monobank app
    2. Upload your documents via Diia or snap a photo of your passport and tax ID
    3. Pick a virtual card — it’ll show up in the app instantly

How do I get a credit limit?

  • We check your details automatically when you sign up. You could get up to ₴200,000. Want more or less? Just drag the slider under ‘Change credit limit’ in your card settings. We’ll let you know within minutes.

How do I activate my card?

  • Your virtual card is ready the moment you set your PIN in the app.

How do I top up my card for free?

  • Cash deposits at mono! terminals, City24, EasyPay, or at partner bank branches — A-Bank and Universal Bank. You can also transfer from another card by number or via payment systems. All free.

How do I order a physical card?

  • Tap ‘Issue a plastic card’ in your card menu. We’ll send it via Nova Poshta — usually arrives in 1–3 days. Choose a standard card or go for a personalized one with your name on it.

Can I use my card abroad?

  • monobank works anywhere cards are accepted. No fees on purchases, and currency conversion happens at our rate — always visible in the app.

What if I need to reissue my card?

  • Lost your card or need new details? Tap on the card and select ‘Reissue card’. Your new virtual card appears instantly — the old one gets blocked right away.

How do I close my card?

  • Make sure your balance is at zero and there’s no outstanding debt, then reach out to us via in-app support or through our messengers. We’ll take care of the rest.

Why monobank over other banks?

  • No fine print, no hidden fees, no queues. Up to 20% cashback and real human support that replies in seconds — no bots, no hold music.

monobank card

No fees, done in minutes