Four ways to multiply your funds in the Sense SuperApp without trips to the bank and unnecessary effort
Convenient online banking in the application is a must-have for every financial institution in the 21st century. Of course, if it wants to attract as many economically active customers as possible. However, not every banking application allows you not only to conveniently manage your own funds, but also to multiply them and earn more. After all, the life philosophy of those people who achieve financial success boils down to the idea that wealth is not how much money you have, but how much money you can make work for yourself.
Convenient online banking in the application is a must-have for every financial institution in the 21st century. Of course, if it wants to attract as many economically active customers as possible. However, not every banking application allows you not only to conveniently manage your own funds, but also to multiply them and earn more. After all, the life philosophy of those people who achieve financial success boils down to the idea that wealth is not how much money you have, but how much money you can make work for yourself.
Sense Bank has given its clients this opportunity by creating an entire infrastructure for accumulating funds in the Sense SuperApp application. What exactly does the bank offer in its «app», what technical capabilities and interesting «features» are in the Sense Bank application, and what users think about it — the dev.ua editorial team found out.
Four basic options — many possibilities
Sense SuperApp contains four main products and services that allow application users to get the most out of banking tools for effective money management — these are deposits, currency exchange, investments in government bonds and «Income Safe». All of them are implemented in a few clicks and are intuitive, because usability is our everything in the digital age.
Inna Tyutyun, member of the board, director of IT, retail and payment business, and digitalization blocks of Sense Bank, claims that by combining various tools in Sense SuperApp, you can build your own financial stability strategy according to individual needs and capabilities.
Inna Tyutyun, Director of IT, Retail and Payment Business and Digitalization Blocks of Sense Bank
«Each tool is useful and functional in itself, but their combination allows you to comprehensively solve a number of financial issues right on your smartphone. The main request from customers today is the rapid adaptation of services and products to the digital format. Therefore, the migration of all these services to the application is a natural business process, and Sense Bank is among the leaders here. We set a goal to provide customers with a maximum of digital services that would allow them to accumulate their own funds, and we succeeded,» notes Inna Tyutyun.
Different requests — different deposits. But all in one application
A deposit is the most popular and familiar tool among Ukrainians for capital growth. It allows not only to protect savings from inflation, but also to receive stable passive income in the form of interest. This is a simple and understandable mechanism that does not require in-depth knowledge in the field of finance. Therefore, it is available to a wide range of people who want their money to work for them.
You save money for a certain period of time and receive a guaranteed interest rate by keeping your money in a reliable bank — it’s simple. This solution is best suited for those who plan their expenses in advance for a long period of time.
Sense SuperApp allows you to choose the deposit option that best suits each client — with or without the possibility of replenishment, with interest payment at the end of the term or monthly, with different interest rates and with or without the option of partial withdrawal. The line of deposit products in Sense SuperApp includes «Profitable», «Savings» and «Fast» deposits for 3 days, which is unique on the market, because in addition to the short term, interest is accrued on the day of placement and on the day of return of the deposit.
Sense SuperApp allows you to manage all operations directly on your smartphone — choose your deposit option and place it, top it up with additional funds, partially withdraw funds or extend the contract, monitor the interest paid by the bank. Many of the things you previously had to go to a bank branch for can now be done simply by opening Sense SuperApp over a cup of coffee at home or in your favorite cafe.
Taras, IT project manager, 44 years old
«I’m saving money for my child’s education, so a deposit is the best option for me, I don’t need access to these funds 24/7. And so — the interest is dripping, and I’m not worried about security. Of course, someone doesn’t trust banks, and simply puts money in an envelope under the mattress, but here, in my opinion, the security risks are much greater. And the fact that now deposits can be managed in the application and generally interact with the bank with a minimum is generally great. I use Sense SuperApp, the deposit management functionality is complete and well-thought-out. This is important for me, because I work in the IT field myself, so I approach this critically.»
Of course, all deposits of Sense Bank clients are 100% guaranteed by the Guarantee Fund, so even particularly anxious clients need not worry about this.
Exchangers are a thing of the past. Sense SuperApp showed what currency exchange looks like in the digital age
Many people use foreign currency as a more stable means of savings than the hryvnia. Ukrainians have a clear historical basis for greater trust in foreign currency in this regard, dating back to the hyperinflation of the 1990s. For many Ukrainians, the dollar or euro is still not just a means of payment, but a guarantee of financial security and stability in conditions of constant risks.
Some people also have to deal with currency exchange and exchange rates regularly due to their professional activities and business. For both of them, currency exchange operations are implemented in the most convenient and practical way in Sense SuperApp.
«Many Ukrainians choose currency as a way to save money. Sense SuperApp has implemented convenient functionality for this, which allows not only to exchange currency profitably, but also to better understand the market,» notes the member of the board of Sense Bank.
Inna Tyutyun notes that users can also set up notifications about currency exchange rate changes in the exchange channels that are convenient for them, and for those who want to see the exchange rate quickly, a widget with up-to-date data is available on the main screen of the smartphone. «If the client does not yet have a foreign currency account, the application will automatically offer to open it in a few clicks when making an exchange,» adds the member of the board of Sense Bank.
Among the convenient tools offered by the bank in Sense SuperApp:
notifications about changes in currency rates in real time;
an archive of exchange rates for the last six months, which allows you to make informed financial decisions, better understand the market, plan expenses and exchange currency at the most profitable moment;
the ability to choose a currency pair, set the frequency of receiving messages (around the clock or only during working hours) and respond in time to favorable exchange rate fluctuations.
Anatoly, works in one of the development companies, 32 years old
«I work in a construction company, so many of our business processes are tied to foreign exchange rates. This includes the cost of imported building materials, and even the price of Ukrainian real estate, which is often denominated in US dollars on the market, despite the fact that payment is made in hryvnia. Under such conditions, the price is converted at the current exchange rate. But even in the minds of home buyers, the dollar remains the main reference point for assessing the value of real estate. That is why the currency exchange functionality in the application is a real find for me.»
OVDP — invest and help the country
Domestic government bonds (OVDP) are one of the most popular investment instruments in Ukraine, and there are several good reasons for this. First, they are considered one of the most reliable ways to accumulate capital, as their issuance and repayment are guaranteed by the state. This makes them attractive to conservative investors. Second, OVDPs offer income that usually exceeds bank deposit rates. Third, unlike many other types of investments, income received from OVDPs is not subject to personal income tax and military levy. Moreover, due to their high liquidity, OVDPs can be easily sold on the secondary market if there is a need for quick access to funds.
«Sense Bank remains among the leaders in selling bonds through digital channels. As of September 1, 2025, Sense Bank’s individual clients had UAH 13.5 billion in government bonds in their portfolio, which is about 15% of all bonds of individuals in Ukraine,» notes Inna Tyutyun.
That is why Sense SuperApp has made investing in government bonds not only reliable, but also 100% digital and convenient for its customers. Those users who want to support the Ukrainian economy and increase their own capital, having a clear understanding of terms and yields, can manage these functions on their own gadget. In addition, if necessary, to receive funds ahead of schedule — bonds can also be easily sold through the application. All transactions (purchase or sale of government bonds) in Sense SuperApp are carried out without commissions.
«Perhaps this instrument is less popular than a deposit, but personally, compared to a deposit, I see only advantages — at least the income here is significantly higher. I was not deeply into the topic before the full-scale war, but I have been buying government bonds for several years now. As a client of Sense Bank, I relatively recently tried doing this through the Sense SuperApp, and I can safely recommend it to everyone.»
Interestingly, as of September 1, 2025, more than half of Sense Bank’s client portfolio consisted of bonds in hryvnia, while the US dollar and euro accounted for 27% and 3%, respectively.
Safe with built-in storage
The «Income Safe» service from Sense Bank is a convenient and effective tool for those who seek not only to keep their money safe, but also to receive passive income, while having full control over their finances. This service combines the advantages of a current account and a deposit, which makes it a very flexible tool.
Unlike a regular card account, interest is accrued on funds in the «Income Safe». This allows clients to receive additional income without freezing their money for a fixed period, as is the case with classic deposits. One of the main advantages is the ability to replenish and withdraw funds from the account at any time without losing the accrued interest.
The «Income Safe» account is linked to the main card account and is managed through the bank’s application, which makes managing funds as convenient as possible. In addition, the funds in this account have an increased level of security, since they are not available for direct expenditure transactions (card payments, cash withdrawals at an ATM) without prior transfer to the main card.
Well, the icing on the cake in the list of advantages of this service is protection by the Deposit Guarantee Fund, although this is not a deposit in the classical sense.
Oleksandra, sales manager, 26 years old
«A deposit is not really suitable for me right now, because I’m saving money for a car, and at the same time I’m monitoring options. I plan to buy a car this year, but I don’t know exactly when yet. Therefore, on the one hand, the money must be available, and on the other hand, I have to continue saving, because there is still a little bit left for the desired model. In circumstances like mine, „Income Safe“ is what I need. It’s not a deposit, because I can withdraw funds at any time if necessary, but the program has the same advantages as a deposit — additional interest and guarantees from the Deposit Guarantee Fund. The latter is generally great, because many banks have options for saving money in an additional account, but I haven’t heard of any options for it to be under the Fund’s guarantees.»
In order to take into account individual customer requests as much as possible, Sense SuperApp has developed the digital infrastructure of its products as widely as possible, which allow you to accumulate and earn. Whether you use one or several of them — or all of them together — as they say, is up to you.
However, a combination of the proposed options seems to be the best option. For example, you can place part of your funds in deposits to receive a stable income, and keep the rest in foreign currency to protect your savings from exchange rate fluctuations. To increase your capital and at the same time support the country, it is worth investing some of your money in government bonds. It is also useful to keep some of your funds in the «Income Safe», which will allow you to have access to your money at any time and at the same time receive additional interest. Thus, you can flexibly manage your finances, combining reliability and liquidity.
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