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Ukrainian Mobile Apps for Investment: new potential or risk?

November 02, 2022
7 min to read
Ukrainian Mobile Apps for Investment: new potential or risk?

The IT industry contributes around 4% of Ukraine's GDP, and this proportion is increasing year after year. As of 2022, there will be more than 200,000 IT specialists. Most of them work for export, which brings more money into our country and shows off the skills of specialists around the world.

The term "online" has entered our lexicon as a result of the COVID-19 outbreak. Businesses have acquired digital skills such as upgrading websites and applications, developing user experiences, and shifting numerous services online. Investing is no exception. What services do banks provide? Is it possible for any Ukrainian to invest without encountering impediments and difficulties? We will explain everything to you in detail.

Top Ukrainian Mobile Investing Solutions

Stocks have always been popular in the Western market. Entry rates are substantially lower than in Ukraine, and there are many more prospects for equity investing. Nevertheless, Ukrainians are also known for their inventive technological solutions. For example, Monobank's banking application is deemed extremely user-friendly, which attracts clients.

Ukraine is now seeing active expansion in the investment sector. Because the market is actively adjusting to customers' needs and listening to their desires, an increasing number of companies are interested in developing mobile investment solutions.

Furthermore, the government encouraged the concept by providing the ability to invest in military and government bonds. This is marketed as a safe way to invest and help the army at the same time.

As the market grows, we'd like to tell you about a few new mobile apps that can help you start investing, even if you don't know anything about it.

Sense SuperApp

Alfa-Sense Bank's Sense SuperApp has over 2 million users by 2022. With the debut of the program, Ukrainians gained a useful trading tool and market access.

Bank clients can invest in stocks of well-known firms that have received a good investment grade.

Features and benefits:

  • Access to shares of Apple, Amazon, Facebook, Microsoft, and Visa.
  • Everyone can become an investor by purchasing just one share in the market (whose average value is 4000 UAH or 150 USD).
  • Prices in the app correlate to worldwide stock exchange prices, so you will not overspend.
  • Since the bank bears all taxes, the client earns net income.
  • All of the activities and operations that happen during the investment are done in accordance with Ukrainian law, so nothing is done illegally.

Customers of the app can also help the Ukrainian military by investing in government war bonds, in addition to the other alternatives stated above. Since the start of the full-fledged invasion, Ukrainians have continued to spend and help the country's economy. On the first day of the conflict, nearly 9 million bonds were acquired through the Sense SuperApp, amounting to more than UAH 1.8 billion in investments by the bank's clients.

Mono invest

At the start of 2022, around 55,000 consumers had registered an account with the Mono Invest app.

The program makes the investment procedure simple.There is no need to spend weeks seeking the appropriate broker or gathering loads of documentation that may not be accepted in the end. This is what the Mono Invest app from Monobank offers.

Features and benefits:

  • Access to companies in the S&P 500 index, i.e., some of the most valuable corporations on the American stock market.
  • Reliable trade: Exante, a European broker with a Cyprus license.
  • The minimum commission is 0.3% of the asset value, but it cannot be less than one dollar.
  • Filtering firms for investments that you are interested in: you may filter them by price or popularity, and you can also pick the field of investment that you are most interested in.
  • Earned money can be withdrawn quickly and easily to a personal card without incurring any fees.
  • You also don't have to worry about taxes because Mono covers them for you.

Despite this, the program is still in early access, and accounts can only be created by users who have registered with the service on a first-come, first-served basis. All transactions will be in US dollars because you will be buying and selling through a European broker. As a result, before installing the program, make sure you open a dollar account with Monobank.

Multi Invest + Wotan

A revolutionary investing app whose owners bought Wotan in order to provide users with artificial intelligence-based investment management. All users can benefit from investing education and asset management using the application.

The user can buy shares in well-known companies around the world, invest in funds or cryptocurrencies, or buy bonds from the Ukrainian government.

Features and benefits:

  • Opportunity to invest in multinational company shares.
  • Quality education in all aspects of investing and your financial life.
  • In-depth financial market analysis.
  • Investing with the help of artificial intelligence.
  • A stable and secure environment for investing.

The application's founders intend to expand the application's features and make securities trading open to everyone.


Freedom Finance Ukraine's new app, Tradernet, is billed as an all-in-one tool for getting started with stock market investing.

Features and benefits:

  • The application's capabilities allow you to simply follow quotations online and buy shares.
  • All securities have quotation charts and the ability to move between five timeframes.
  • You may use the program to acquaint yourself with "depth of market" prices and to submit an application for the acquisition of securities or assets.
  • The user has complete control over their portfolio, and all data is updated in real time.
  • You may use the program to see the history of prior purchase and sale transactions.
  • Non-trading orders can be placed by clients who have a genuine account.

The Tradernet platform allows you to trade on the world's top exchanges. Over 40 thousand financial products are available on Nasdaq, Deutsche Boerse, LSE, and other exchanges.

Can We Trust Ukrainian Investing Apps?

The demand for mobile investment solutions is quite high, indicating that this industry has a bright future in Ukraine.

Investing is a great way for young people to learn about money, and it also helps Ukraine reach a new level that will get the attention of other governments.

The only obstacles to investing in our country are changes in legislation, which are occurring at a rapid pace. The government is continuously enacting new reforms, and many services are going digital. However, in addition to these transparent and beneficial developments, the government frequently imposes new taxes and modifies the terms of export and import, which also applies to cash transactions, making it hard for investors to foresee even the near future.

Many individuals have been investing in military bonds since the beginning of the war, which enables us to support both the economy and the army. However, due to the war, all procedures have slowed, which may also have an impact on securities trading.

Even though the conditions might not be ideal, our technological environment shows Ukraine's huge potential on the path to digitalization, and the mobile solutions we've talked about show this very clearly.