Monobank, if anyone still doesn’t know, has an awesome dashboard where you can see which brands, and which category of goods and services, Ukrainians spend the most money on.
Monobank, if anyone still doesn’t know, has an awesome dashboard where you can see which brands, and which category of goods and services, Ukrainians spend the most money on.
The data can also be viewed by year. So you can track trends in the popularity of brands. The statistics from mono are quite indicative, because this bank («Universal Bank») accounts for approximately 17% of all active cards in Ukraine. This is 9.85 million cards, as of the end of the third quarter of 2025. In addition, it is the largest commercial bank in Ukraine in terms of the number of cards.
So where do we take our money?
In first place, as in previous years, is ATB. This year, mono users have given this supermarket chain more than UAH 30 billion. Mono users have transferred more than UAH 30 billion to ATB (which is 3 times more than in 2022). Recall that the total turnover of the ATB chain in 2024 amounted to UAH 248.8 billion. And without a doubt, it will grow even more by the end of 2025. This brand is a real money generator in Ukraine #1.
Second place is Nova Poshta — UAH 21 billion through mono. E-commerce works during the war for a solid five. And this amount is proof of that.
Third place is Silpo. This is UAH 20 billion. Everything here is more or less predictable, because it is the supermarket chains with food that are the main place where we carry cash from cards. After all, for most Ukrainians this is the main expense item. Often, it is the dominant one. Unfortunately.
Fourth place — «Fora», 8.4 billion UAH. The same food trend. Because you have to eat something.
Fifth place — Uklon. Monobank members drove a whopping 7.5 billion UAH in cars of this service. It turns out that it was not for nothing that Kyivstar bought Uklon this year. This is the largest car-hailing service in the country: Monobank members spent 5.3 billion UAH on Bolt, and only 1.2 billion UAH on Uber. Moreover, the turning point falls precisely on 2022, when Uklon mobilized all its forces and finally overtook Bolt.
Sixth place … now someone will be a little ashamed… TEMU. It’s hard to believe, but this Chinese brand with a bunch of cheap and low-quality goods has surpassed many others, with an indicator of 7.3 billion UAH. It should be emphasized that in 2024, at least as the dashboard shows, TEMU was not even close to the country’s top.
Seventh place is Facebook. With an indicator of 7.1 billion UAH. And this is only on mono. To understand how much Ukrainians in general spent on promotion on the social network (I understand that Instagram also belongs here), you need to multiply this figure by about 4-6. And Mark Zuckerberg doesn’t even have an office in Ukraine, only representatives (just like TEMU, by the way). So Meta, don’t delay! It’s time to declare yourself and at least moderate local content from the Ukrainian office, by Ukrainians.
Eighth place — Rozetka. With an indicator of 6.7 billion UAH. In fact, this is the largest marketplace of technology (and not only for a long time) in the country.
Ninth place — NOVUS, UAH 6.6 billion. Food products again. Well… not surprising.
Tenth place is Epicenter, UAH 6.4 billion. This is truly the largest retail chain for construction, gardening, etc. And they even have entertainment centers now.
Eleventh place is Apple, which sold a little less in Ukraine than Epicenter — UAH 6.4 billion. It’s hard to believe, but it’s a fact, a monofact.
Twelfth place is OKKO with an indicator of 6.3 billion UAH. At least among monobank users, this is the most popular gas station chain.
Thirteenth place — McDonald’s — UAH 5.7 billion. If you didn’t buy products at ATB or Silpo, then it’s McDonald’s. Crazy popularity and the largest restaurant brand in the country.
Fourteenth place is Kyivstar. If we add up mobile communications, it turns out that for Kyivstar, monobanks together paid almost UAH 5.6 billion. It should be emphasized that if this rating were made not by total money turnover, but by operating profit, Kyivstar would be somewhere at the beginning of the list, because such an indicator of operating profitability as EBITDA margin (Earnings Before Interest, Taxes, Depreciation, and Amortization) is more than 50% for Kyivstar. It should be emphasized that the large retail chains that we listed in this list are much less profitable businesses with an indicator of 4-7%. This means that after deducting expenses, Kyivstar has many times more net profit.
Fifteenth place is Aurora with an indicator of 5.5 billion UAH. This chain has affordable household goods on its shelves (and not only). And it quickly got into the top brands. Mono cardholders — just don’t say later that you don’t shop at Aurora. Whatever you didn’t find at Temu, I’m almost sure you’ll find there.
