News 26 November 2020

Alfa-Bank Ukraine launched the new Sense SuperApp digital bank

November 26, 2020 - 09:30

Alfa-Bank Ukraine launched the new Sense SuperApp digital bank with video chat and media. How Alfa has changed to make this possible.

Alfa-Bank Ukraine entered 2020 with a clear work plan to transform internal processes that affect the quality of products and services. We implemented new projects step by step. But customers can fully appreciate how Alfa has changed only today, on November 26, when we announce the launch of the new digital bank - Sense SuperApp.

Remote account opening in 10 minutes via video chat. Alfa-Bank became the first in Ukraine to launch full-fledged video identification. This option enables people to become bank clients and open card accounts via video chat. After registration, the digital card is activated in Sense and is immediately ready to use, the client is identified and can fully use all the bank's services.

One single app for individuals and sole proprietors. In Sense, we have combined digital banking for individuals and entrepreneurs. Now, our clients entrepreneurs can manage their personal and business accounts via one single app. The first release contains a unified customer profile and basic operations for sole proprietors: a client can view account balances, statements, make payments in hryvnia, create tax payment templates. Each release will offer more features.


Application design with maximum personalization. Every client is unique, and Sense gives a client an opportunity to stay unique. This means that every person's digital bank may look different. The desktop is the new essence of the app; it’s your personal digital bank that you can design. You can change everything: account names, shortcuts design and their location, create folders for recurring payments, choose a theme, desktop background and sounds. Even the communication style! Sense offers three types: from friendly to formal business. And digital bank communicates in three languages.


Drag'n'drop technology. Favourite feature of our programmers. All icons can interact with each other on the desktop, much like app icons on a smartphone. For this, you just need to drag one icon onto another. This is how the most common operations are performed in Sense:

  • UAH account + USD account = currency exchange,
  • account + template = payment or transfer using template,
  • Cash'U CLUB + account = cashback refund to the account.


Consolidated transaction history, bank statement and templates. One for all accounts, a convenient system of easy search by name and filters  date, amount, category, card. Tap on the operation to view its details, swipe left – to create a template, to repeat the payment or generate a receipt. Bank statements for card, credit, and deposit accounts. The account statement option is located in the Account Management section. You can generate a statement and save it to your smartphone or send it to e-mail.


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Sense SuperApp is not only about digital banking, and not only for individuals. The first step is to combine the individual and entrepreneur’s profiles. There are three more large projects ahead, and already in December release will become available:

  • for individuals: digital card for existing clients;
  • for entrepreneurs: saving tax payment details, quick transfers by drag'n'drop between own individual and entrepreneur’s accounts.

News 28 September 2020

ABH Ukraine Limited registered five Eurobond issues

September 28, 2020 - 10:30

On 22 September 2020, ABH Ukraine Limited, a shareholder of Alfa-Bank Ukraine, which owns 42.4% of the bank's shares, completed five new Eurobond issues.

Two issues are in the form of loan participation notes (LPN) for USD 50 mln with the maturity date October 15, 2024 (ISIN XS2228241175, 4 year tenor) at the interest rate 9.5% per annum and for EUR 50 mln with the maturity date July 15, 2023 (ISIN XS2228240367, up to 3 year tenor) at the interest rate 5.5% per annum, and three issues are in the form of credit-linked notes (CLN) for USD 4.5 mln (ISIN XS2237331587) and two for USD 9 mln (ISINs XS2237331660, XS2237331314) with the common maturity date January 15, 2023 (up to 2.5 year tenor) at the interest rate 8.75% per annum paid quarterly for all the issues. The level of yields on the issues indicates the current situation on the international capital markets.

The Eurobonds were issued pursuant to the rules specified by the Regulation "S" of the United States Securities and Exchange Commission. The LPN issues are listed on the Frankfurt Stock Exchange.

As of the publication date, there were 16 issues of ABH Ukraine Limited in circulation, including 13 issues in USD and three issues in euro, 7 issues have been repaid.


News 16 September 2020

Global Finance: Alfa-Bank is the best digital bank in Belarus

September 16, 2020 - 17:43

Alfa-Bank (Belarus) was recognized as the winner in two categories: Best Digital Consumer Bank in Belarus and Best Digital Corporate Bank in Belarus.

Global Finance magazine has been published since 1987, and its print version is distributed in 163 countries around the world. The candidates for the World’s Best Digital Banks award are evaluated by a jury composed of the staff of Infosys, a consulting, technology and outsourcing corporation, while Global Finance editors designate the final list of the best banks.

The winners were selected based on a whole list of criteria: effectiveness of the strategy of attracting and servicing digital clients, success in encouraging clients to use digital services, growth in the number of digital clients, products variety, as well as noticeable benefit from digital initiatives and projects.

In 2020, the digitalisation is particularly relevant due to the pandemic, and Global Finance publisher and editorial director Joseph D. Giarraputo also noted: “This year, the global pandemic has accelerated the transition to digital banking, but banks that are thinking ahead are already on this path. The Digital Bank Awards are dedicated to the companies that are leading us to the banking of the future”.


News 16 July 2020

Euromoney: Alfa-Bank awarded the Best Bank in Belarus and recognized for its response to the pandemic

July 16, 2020 - 09:39

For the second year in a row, the jury chose Alfa-Bank (Belarus) as the best bank in Belarus, and this year they also noted its response to Covid-19 crisis.

The British magazine Euromoney has been awarding banks around the world in various nominations since 1992. In the framework of the Euromoney Awards for Excellence, banks are evaluated by region. The expert jury chooses several best banks, and their choice is conditioned by many criteria: from annual reports and partners’ opinions to evaluation of transactions and balances. In addition, the jury selects best banks in every single country. And Belarus is not an exception.

The first Alfa-Bank's award was the Best Bank in Belarus. In this nomination, the jury evaluated the bank's business model, its innovativeness and ability to adapt, and its readiness to meet customers needs. Experts gave the award to Alfa-Bank for its “Outstanding Growth and Commitment to Digital Transformation”, and they particularly highlighted the country's first banking OpenAPI and a possibility for entrepreneurs to open a bank account via a mobile application.

In 2019, Euromoney also chose Alfa-Bank as the best bank in Belarus, and that time they noted its rapid growth in the mobile sector.

The second award was the Excellence in Leadership Award, for the Bank's response to Covid-19 crisis. The jury appreciated the simple loan deferral system with a possibility to conduct the entire process online. Experts also noted that entrepreneurs could open an account without leaving home, as well as receive their documents by the contactless delivery service.

Due to the coronavirus crisis, the Bank suspended its Clients Club (Alfa-Bank's business client community) and launched the Mutual Aid Platform (open to everyone), where entrepreneurs could share with each other unused resources, like idle equipment.

And a few words about charity. In Belarus, over 15,000 social workers and the Red Cross sisters of mercy take care of more than 92,000 elderly people every day, visiting them at home during the pandemic. Alfa-Bank (Belarus) has been supporting fundraising for related individual protection products.