Instant & secure
account-to-account
payments

in your bank's app

NABU
Stellar
Rozetka logo
Київ Цифровий
Радабанк
OTP BANK
Unex Bank
Alliance Bank
Rozetka Pay
Bank Credit
Accord Bank
Alt Bank
City24
NABU
Stellar
Rozetka logo
Київ Цифровий
Радабанк
OTP BANK
Unex Bank
Alliance Bank
Rozetka Pay
Bank Credit
Accord Bank
Alt Bank
City24
Transparent Network
Ukraine's first consortium of banks

Easy payments – hassle-free!

From coffee to utility bills
No need to provide payment details or sensitive data – just seconds and it`s done

Use cases

P2P transfers

Send money to friends or family instantly, even between different banks
By phone number, QR code, or payment link
Online payments
Make secure online payments
in seconds
Just scan the QR code or follow the payment link

How to use

Select Transparent Network as your payment method
When paying online.
A QR code will appear on the screen
Scan the QR code
With your phone camera or in your banking app. Or tap your bank's logo on the payment page
Confirm the payment in your bank’s app
Enter the confirmation code if required

Where to use

200 UAH back
to balance

Pay utility bills on city24.ua – get 200 UAH back for payments from 1,000 UAH via Transparent Network

Learn more

Why choose
Transparent Network?

How Transparent Network
transforms payments
It's convenient
Just scan the QR code instead of entering payment details manually
It's instant
Send and receive money from account to account in seconds
It's secure
Pay without sharing secret data, reducing fraud risk

Future updates

Public funds, payments of international organizations and communities

Every transaction involving public funds is transparent and fully auditable.

In-store transactions

No need to seek cash or wait for terminals. Show the QR code or scan it and pay in a few clicks.

Keep up with our progress on social media:
Be the first to discover new features
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Partners

НАБУ
DCM is a joint venture of international payment companies with a mission to eliminate the gap between traditional and digital finances.DCM’s Financial Messaging Platform designed for financial institutions and brings unparalleled benefits to the financial sector.
NABU
The largest bank association in Ukraine, which contributes to the financial system's stability, solves the banking system's problems to increase business profitability and economic development.
Stellar Development Foundation
A non-profit organization that supports the development and growth of the Stellar network. The network leverages blockchain technology to ensure equitable access to the global financial system
Rozetka
Rozetka
The largest Ukrainian online retailer where you can find literally everything. Over 2.5 million users visit the company's website daily
Kyiv Digital
The project launched to technologize the Ukrainian capital city of Kyiv. The app allows users to top up transport cards, buy QR tickets, pay for parking, return an evacuated car, and more
RADABANK
A universal banking institution that was founded in 1993. It is among the TOP-15 Ukrainian banks in terms of regulatory capital.
OTP Bank
One of the largest Ukrainian banks with 100% foreign capital. It is a recognized leader of the country's financial sector and a member of the European financial group operating in 12 countries. Regularly ranked among the three most stable banks in Ukraine.
Unex Bank
The first Ukrainian fintech startup with its own banking license. It implements innovative financial services for a wide range of private clients using remote service channels.
BANK ALLIANCE
A Ukrainian bank with 36 branches in the largest cities. It is a member of the Deposit Guarantee Fund, the Independent Association of Banks of Ukraine, and the European Business Association (EBA). Prozzoro Bank Guarantee Market Leader.
Stellar Development Foundation
The National Depository of Ukraine keeps depositary records of all eligible securities, except for those, records of which are kept by the National Bank of Ukraine within the terms of reference defined by the Law. The institution ensures the functioning of a unified securities depository system and acts as a center of competence for the modernization of capital market infrastructure and implementation of international standards.
RozetkaPay
The leader in Ukraine in the number of connected marketplaces. The service processes payments for over 10,000 merchants and conducts 100+ transactions per minute. RozetkaPay continues to grow and connects about 1,000 entrepreneurs per month.
НАБУ
Is a Ukrainian commercial bank with a long-term credit rating at the level of uaAAA (highest creditworthiness) on a national scale. Bank Credit Dnipro is among the TOP-17 financial institutions of Ukraine in terms of assets and the TOP-25 leading banks of Ukraine.
Stellar Development Foundation
Ukrainian commercial bank, which ranks 8th among banks in terms of regional network, includes 156 branches and 150 points of sale of loans throughout Ukraine and continues to expand. Acordbank is among the TOP-25 financial institutions in the country in terms of deposits of individuals and legal entities and among the TOP-20 banks in Ukraine in terms of assets according to the National Bank of Ukraine.
НАБУ
A modern alternative to traditional banking. Altbank combines innovation, reliability, and progress in approach to customer service. The bank offers a full range of integrated banking services provided through remote channels, making it a convenient and universal option for business.
Stellar Development Foundation
One of the leaders in the Ukrainian financial market. Pivdenny Bank ranks 3rd in the system and is among the largest banks with private Ukrainian capital in terms of assets. It has been classified as a systemically important bank for five years in a row by the National Bank of Ukraine.
Stellar Development Foundation
A high-tech, modern company that provides financial payment services to its clients, allowing them to transfer funds in national currency without opening accounts. The product line of LLC "SWIFT GARANT" includes about three thousand services, most of which are its own direct contractual relations and tech developments.
НАБУ
A universal commercial bank that provides a full range of financial services to both corporate clients and individuals. MTB Bank has maintained high deposit and credit ratings for several years in a row and is an authorized bank of the Pension Fund of Ukraine.
НАБУ
For 32 years in the Ukrainian market, JSC “ASVIO BANK” has gained a reputation as a reliable partner, providing quality banking services, developing digital infrastructure and mobile banking. It has 44 bank branches and is among the TOP-20 banks by the number of bank branches in Ukraine.
НАБУ
Joint Stock Company "СOMINBANK" is a universal bank that has been providing professional and qualified services to individuals, small and medium-sized businesses, and large enterprises for over 30 years.
НАБУ
Amobank – a banking product of JSC "ASVIO BANK", developed by the fintech company AMO Fintech. A convenient mobile application where customers can access all banking services online.

Amobank – is access to any banking service in 2 clicks.
NABU
The largest bank association in Ukraine, which contributes to the financial system's stability, solves the banking system's problems to increase business profitability and economic development.
Stellar Development Foundation
A non-profit organization that supports the development and growth of the Stellar network. The network leverages blockchain technology to ensure equitable access to the global financial system
ATB-Market
The largest supermarket chain in Ukraine. Over 4 million Ukrainians make purchases in "ATB-Market" stores daily. The network includes over 1,346 stores in 22 Ukrainian regions and continues to grow.
ОККО
It is home to over 400 filling stations in Ukraine. The company owns the country's largest network of roadhouses, including 35 restaurants. It also operates 11 tank farms and 16 stationary and mobile quality control laboratories for petroleum products.
Rozetka
Rozetka
The largest Ukrainian online retailer where you can find literally everything. Over 2.5 million users visit the company's website daily
Kyiv Digital
The project launched to technologize the Ukrainian capital city of Kyiv. The app allows users to top up transport cards, buy QR tickets, pay for parking, return an evacuated car, and more
Monobank
A Ukrainian neobank serving over 7 million customers. Monobank app offers various banking services, including free money transfers, utility bill payment services, cashback, and more.
RADABANK
A universal banking institution that was founded in 1993. It is among the TOP-15 Ukrainian banks in terms of regulatory capital.
OTP Bank
One of the largest Ukrainian banks with 100% foreign capital. It is a recognized leader of the country's financial sector and a member of the European financial group operating in 12 countries. Regularly ranked among the three most stable banks in Ukraine.
UKRGASBANK
A universal bank focused on green finance, operating 229 offices in over 152 cities in Ukraine. It is among the top five Ukrainian banks by assets, servicing around 900,000 individuals and over 46,000 corporate and SME customers.
Unex Bank
The first Ukrainian fintech startup with its own banking license. It implements innovative financial services for a wide range of private clients using remote service channels.
BANK ALLIANCE
A Ukrainian bank with 36 branches in the largest cities. It is a member of the Deposit Guarantee Fund, the Independent Association of Banks of Ukraine, and the European Business Association (EBA). Prozzoro Bank Guarantee Market Leader.
A-Bank
A universal commercial bank offering a full range of modern financial services to both individuals and legal entities. The bank has over 3 million depositors and over 200 branches in Ukraine.
Fishka
A loyalty program that unites over 8 million customers, 2,000 partner stores, and 185 online shops. Among its partners are OKKO filling station network, ALLO, Raiffeisen Bank, lifecell, Apteka Dobrogo Dnya, MEDIS, UNIVERSALNA insurance company, BlaBlaCar, Uber, and others.
RozetkaPay
The leader in Ukraine in the number of connected marketplaces. The service processes payments for over 10,000 merchants and conducts 100+ transactions per minute. RozetkaPay continues to grow and connects about 1,000 entrepreneurs per month.
Prom.ua
The largest marketplace in Ukraine with over 2.5 million purchases per month. This high-tech product includes a CMS system, a site builder, and easy integration with e-commerce players. The assortment consists of over 100 million products from 55 thousand entrepreneurs.
Businesses
Secure payments in real time, with lower commission, regardless of the amount
Learn more
Banks
Instant, direct payments between banks and businesses on the basis of the NBU's SEP
Learn more
Partners
Transparent financial operations that strengthen confidence in the country, institutions, businesses,
and customers
Learn more
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