Sense Bank review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Sense Bank pays a UAH 11.50 to UAH 13 headline rate on a 3 to 24 fixed deposit, well above the 12.2% most term deposits here reach. It suits Ukrainian savers who can leave a lump sum for a fixed term and already hold a Sense Bank current account or card.
Key facts
- Best for
- Fixed-term hryvnia savers at Sense Bank who can lock in UAH 11.50 to UAH 13.
- Headline rate
- UAH 11.50 to UAH 13↗
- Rate type
- Fixed↗
- Term
- 3 to 24 months↗
- Minimum deposit
- UAH 5,000↗
- Access terms
- Opened in Sense SuperApp; a Sense Bank current account or card is required↗
- Account kind
- Fixed↗
- Legal entity
- Joint Stock Company Sense Bank (AT Senс Bank)↗
- Headquarters
- Ukraine↗
- Founded
- 1992↗
- Support channels
- Phone, Email, Help-centre, Chat↗
- Pricing model
- Fixed rate
- Official website
- sensebank.com.ua
Loans
Personal insurance
Mortgages
Debit cards
- Card type
- Debit↗
Facts checked September 26, 2026, 9 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataWikipediaXapp.sensebank.ua
Pros and cons
Pros
- The UAH 11.50 to UAH 13 headline rate sits far above the 12.2% upper end of term deposits on the site.
- A fixed rate on a fixed rate deposit, so the return is set on opening and does not shift during the term.
- It holds a National Bank of Ukraine licence, 61.
- Support runs on phone, email and help centre, covering phone, chat, email and a help centre.
Cons
- Money is tied up for 3 to 24 at a fixed rate, so some flexibility is given up.
- A UAH 5,000 minimum deposit puts first-time savers off.
- Opening needs a Sense Bank current account or card as well, so the deposit cannot be held on its own.
Who it suits
- Ukrainian savers who can leave a lump sum above UAH 5,000 for a set term
- Existing Sense Bank customers who already hold the current account or card needed to open it
- People who want a fixed return they can plan around rather than a rate that moves
Who should look elsewhere
- bunq, at 3.01%, for readers who want a rate on a balance rather than a locked hryvnia term
- Wise, at 3.29%, for savers weighing rates across other markets
- Finteres, at 0% to 36%, for anyone who wants several terms set side by side
The company behind it
Sense Bank trades as Joint Stock Company Sense Bank (AT Senс Bank), is based in Ukraine and has been running since 1992. It holds a National Bank of Ukraine licence, 61, so the deposit contract is with a regulated bank rather than an intermediary. Support runs on phone, email and help centre, putting phone and chat next to email and a help centre.
How Sense Bank compares
9.3 vs 8.0
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 8.5
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 8.9
9.3 vs 9.2
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0- 9.3 vs 8.0
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
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9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
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9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
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 8.9
9.3 vs 8.9
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9.3 vs 8.7
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9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.5
9.3 vs 8.4- 9.3 vs 8.0
9.3 vs 9.0
Where Sense Bank is available
- Available
- Ukraine
- Licence in Ukraine
- National Bank of Ukraine (NBU) (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 pays a UAH 11.50 to UAH 13 headline rate, quoted in hryvnia. It is a fixed rate on a fixed account, so the return is set when the deposit is opened and holds for the whole term. The fixed rate model is the same point made another way.
How long do I have to keep the money in?+
Terms run 3 to 24, which is shorter than many fixed deposits on the site. Because the account is fixed, the money stays placed for the whole period rather than being available on demand. Taking the shortest term keeps the cash tied up for less time.
What is the minimum deposit?+
The minimum deposit is UAH 5,000, and that is the entry point for the account. A saver starting with less cannot open it in one go, and the interest only starts running once the deposit is placed. Building up to the floor takes time.
Do I need a Sense Bank account to open the deposit?+
Yes. The deposit is opened in the Sense SuperApp and a Sense Bank current account or card is required. That makes it a product for existing customers rather than a standalone savings account, and many readers will already hold the debit card that comes with the wider account.
Who regulates Sense Bank?+
Sense Bank operates as Joint Stock Company Sense Bank (AT Senс Bank) and is licensed by the National Bank of Ukraine, licence number 61. The licence sits with the bank itself rather than an intermediary, so a deposit contract is held with a regulated bank. The head office is in Ukraine.
Is Sense Bank available outside Ukraine?+
Sense Bank is headquartered in Ukraine and the deposit is quoted in hryvnia, so this is a Ukrainian account rather than a multi-market one. Readers in the UK or the eurozone who want one home for several currencies are better served by an account built for that.
What support does Sense Bank offer?+
Support runs on phone, email and help centre, so phone, chat, email and a help centre are all ways to reach the bank. A phone line handles questions about a deposit that is already running, while the help centre covers the general process for opening and holding one.
Who can open a Sense Bank deposit?+
The minimum age is from 14 years, so younger savers can open it. Opening still runs through the Sense SuperApp and needs a Sense Bank current account or card, so that account requirement applies at any age.
Sources
- sensebank.com.ua/about checked September 26, 2026
Backs: Founded, Headquarters, Legal entity, Support channels, Licences
- sensebank.com.ua/credits checked September 26, 2026
Backs: Loan amount, APR, Funding time, Lender type, Loan types
- sensebank.com.ua/deposits checked September 26, 2026
Backs: Monthly payments
“Profitable deposit: interest paid monthly to the account, capitalisation to the deposit amount, term from 3 to 60 months”
- 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/programi-strahuvanna checked September 26, 2026
Backs: Provider type, Insurance types
“Information about the insurance intermediary; list of recommended insurance companies”
- sensebank.com.ua/zaprosy-druga checked September 26, 2026
Backs: Age range
“Affiliate is an existing Bank client aged from 14 years who attracts new individual clients to the Bank through an individual registration link”
- sensebank.ua checked September 26, 2026
Backs: Card type, Features
“Debit cards (various packages)”
- sensebank.ua/kredit-zitlo-vze checked September 26, 2026
Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Product fee, Purpose
“Credit "Zhytlo Vzhe", PRIMARY MARKET: the real annual interest rate depends on the size and term of the loan and can range from 19.98% to 28.45% (calculation for a loan of 2,000,000 UAH, property...”
- sensebank.ua/turisticne-strahuvanna checked September 26, 2026
Backs: Cover limit, Excess from, Premium from
“Reimbursement of medical costs for diagnosing, outpatient and/or inpatient treatment of COVID-19 - within the limit of 5,000 euros/dollars”
Compiled from 9 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Deposit protection.
Sense Bank
Fixed-term hryvnia savers at Sense Bank who can lock in UAH 11.50 to UAH 13.