monobank vs Complatezh
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
monobank
This digital banking app offers a comprehensive suite of financial services, including card management, loans, money transfers, payments, and currency exchange. It provides a convenient way to manage your finances on the go with features like cashback and an in-app marketplace.
- Virtual and physical card issuance
- Online credit limit application
- Installment plans for purchases
- Money transfers and bill payments
- Currency exchange services
- Cashback rewards
- Business account management
- In-app marketplace
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monobank — the first mobile bank, over 11 million users, digital bank, online bank, card, loans, money transfer, payments, cashback, deposit, currency exchange, insurance, business account, in-app marketplace. Banking and finance, open an account, get a card via the app, banking in your pocket, 24/7. Yeah, that was a keyword dump. We did it on purpose so you can actually find us. Here's the real stuff: Quick Start Download the app, confirm your phone number and verify your identity using Diia or your ID documents. You get a virtual card in the app right after registration, and a physical card can be delivered to you through Nova Poshta or Ukrposhta Cards for EveryDay Life Debit and credit cards, currency cards for dollars and euros, a unified Diia.Card for government payments and a child’s card with parental controls. Contactless payments with Apple Pay — add your card to your wallet and pay with your phone Credit Online Apply for a credit limit in the app. The decision is made after reviewing your data, terms, rates and limits are shown before confirmation Split Payments Buy electronics and other goods at partner stores: installments are available, with terms shown before you confirm the purchase. Turn past purchases into parts — you get the money back on your card and repay it gradually Transfers and Smart payments Money transfer to a card or account, transfers by phone number, international transfers. Pay bills in a few taps: electricity, gas, water, internet, TV, mobile top-up and fines. Zero fees, and the transfer status is visible in the app. Send money with ease Currency Exchange Buy and sell currency online — the exchange rate is shown before you confirm Deposit Open a deposit in a minute; rates and terms are available in the app. Government bonds are also available in mono Cashback Choose categories every month and get cashback on groceries, taxi, fuel, cafes, books, sports plus, and entertainment under the program terms. Additional offers with WOG Pride Business Portal and SP for Work Open a Business Portal for entrepreneurs (SP) online: control taxes, reports and payments without paperwork — in the same banking app. Insurance Car insurance (MTPL and Green Card) issued online in minutes. Policy terms are shown before payment Banka Create a Banka to collect money for charity, community initiatives, or shared goals with friends and family monomarket and monobazar An in-app market for new goods with installment options, plus a marketplace for pre-owned items — buy and sell without leaving the app. Shop smart, whatever your budget eSIM Connect an eSIM — a digital alternative to a physical SIM card — right in the app Also in the app Track spending, manage group expenses with friends, accept payments from your phone. Support in chat, 24/7 Transparent terms Fees, limits and rates are always visible in the app before you confirm a transaction. Credit terms depend on a review of your data and the bank's decision. JSC "UNIVERSAL BANK". NBU License No. 92 dated 20.01.1994, State Register of Banks No. 226, Kyiv, Ukraine Download monobank — banking that finally works for you
Complatezh
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В додатку ти можеш швидко переглянути інформацію про стан твоїх рахунків та миттєво сплатити усі комунальні послуги за декілька дотиків! Мобільний додаток Complatezh – офіційний додаток ТОВ «ЄРЦ КП», який створено спеціально для жителів м. Дніпра. Інтерфейс мобільного додатку зручний та зрозумілий будь-якому користувачеві. Для входу до мобільного додатку використовується логін та пароль особистого кабінету з сайту complatezh.info. Якщо Ви не зареєстровані, зробить це прямо у мобільному додатку. За його допомогою Ви можете - отримати інформацію щодо нарахування та заборгованості за комунальні послуги; - швидко, зручно та безпечно оплачувати комунальні платежі банківською карткою будь-якого банку; - відстежувати історію Ваших нарахувань та оплати; - передавати показання приладів обліку; - отримувати інформацію щодо норм та тарифів; - отримувати інформацію про центри абонентських послуг; - записатись на прийом до центру абонентських послуг за допомогою електронної черги.
Screenshots
Verdict
monobank and Complatezh are too close to call on the numbers: across 6 compared parameters — price, update cadence, ads and in-app purchases among them — neither pulls far enough ahead to decide it. What separates them is feature set and interface, not measurable difference.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Neither carries in-app purchases, so what you see is what you pay.
monobank ships an update every 4 days, Complatezh every 6 days. The most recent releases landed on November 10, 2026 and November 7, 2026 respectively.
| Parameter | monobank | Complatezh |
|---|---|---|
| Price | Free | Free |
| Rating | 4.9 (18K ratings) — better | — |
| Positive reviews | 60.4% of reviews | — |
| Number of ratings | 18K — better | — |
| Update frequency | Every 4 days — better | Every 6 days |
| Ads | No | No |
| In-app purchases | No | No |
| Monetization | Free | — |
| Devices | iPhone | iPhone |
| Requires iOS | 16.0 | 16.0 |
| Further details — not scored | ||
| Size | 406 MB | 27 MB |
| Age rating | 4+ | 17+ |
| Developer | UNIVERSAL BANK, PRAT | Mykhaylo Promyshlyanskyy |
Bugs and requests
monobank
Reported bugs
3 issues- App crashes on certain screens
- Deposit repayment delays
- Inconsistent user interface behavior
Requested features
5 requests- Add English language option
- Improve customer support
- Expand international accessibility
- Introduce Apple Pay integration
- Enhance deposit management features
Complatezh
Not enough reviews yet to summarise bugs or requests.
In-app purchases
monobank
No in-app purchases
Complatezh
No in-app purchases









