Monobank SMS Verification

Applying to Ukraine's branchless mobile bank? A virtual Ukrainian number can take the Monobank SMS verification code, but the account itself is verified with your own documents.

monobank is a Ukrainian mobile-only bank with no branches, launched in November 2017 by former PrivatBank executives and operating on Universal Bank's licence; it served about 10 million customers as of 2025. Its features include savings 'jars' widely used for fundraising, cards for children and eSIM ordering inside the app. It confirms your phone number by SMS to secure cards and accounts.

Accounts are opened remotely with documents from the Diia app or photos of your passport and tax code plus a selfie, so a virtual number covers only the SMS step while identity verification (KYC) uses your own papers. That can help Ukrainians abroad who hold Ukrainian documents but cannot reach their Ukrainian SIM at the moment of sign-up.

Bank logins, card actions and recovery can depend on your number, so register monobank to a line you control long term and move any account opened with a temporary number to your own number quickly. Never give SMS codes, card details or app PINs to anyone who calls claiming to be bank staff.