This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.

MyRaif from Raiffeisen Bank

Unleash financial autonomy. This app puts your bank in your pocket, not the other way around.

Finance & Crypto ›

Key Figures

Downloads

750k+

User Rating

4.8/5

Total Ratings

69.8K

Publisher

RAIFFEISEN BANK, JSC

An analytical overview of Raiffeisen Bank's mobile application, focusing on its value proposition for digitally-native individuals and small business owners.

MyRaif App Evaluation: Key Features for Modern Ukrainian Users

Commission-Free Card-to-Card Transfers

The app facilitates rapid, commission-free card-to-card transfers to any Ukrainian bank, offering significant cost savings and efficiency for the target audience.

Consolidated Business & Personal Finances

This tool enables small business owners and self-employed individuals to manage both their personal and professional finances seamlessly within a single application, streamlining financial oversight and reporting.

Personalized Cashback Program

It provides users with the opportunity to choose cashback categories and participate in national cashback programs, allowing them to earn financial benefits and make purchases more rewarding.

Simplified IBAN & Phone Number Transfers

The app supports easy and fast IBAN transfers, alongside the convenience of sending and receiving money using only a phone number, enhancing transaction simplicity and speed.

Commission-Free Mobile Top-ups

It allows users to top up their mobile accounts directly through the app without any commission, offering a convenient and cost-free way to manage communication expenses.

Instant Digital Card Opening

The app provides a straightforward and quick process to open new bank cards entirely within the mobile interface, significantly reducing the effort required for card acquisition.

Online Currency Exchange & Cards

Users can view current exchange rates, buy foreign currency directly, and open currency cards for dollars and euros within the app, providing convenient access to foreign exchange services.

In-App Deposits Management

This tool enables users to open, top-up, and withdraw funds from deposits in both hryvnia and foreign currency directly within the app, offering flexible and convenient savings management.

Real-time Financial Monitoring

It delivers instant push notifications for all transactions and a detailed transaction history, empowering users with real-time financial monitoring and clear insights into their spending patterns.

Accessible Credit Solutions

The app offers access to various credit products, including a credit card with a 100-day grace period and cash loans for different purposes, providing flexible financial solutions to meet diverse needs.

FAQ

Frequently Asked Questions

Everything you need to know about MyRaif from Raiffeisen Bank

How can I open a new card with MyRaif?

Yes, you can apply for a card directly in the MyRaif mobile app. The process involves installing the app, confirming your mobile number, selecting the desired card, and following on-screen prompts.

Does MyRaif offer online card applications?

Yes, MyRaif allows users to apply for a card online directly through the app, eliminating the need to visit physical branches or queue.

What is the maximum credit limit offered by MyRaif?

MyRaif offers a credit limit of up to 300,000 UAH.

Does MyRaif provide a grace period for credit cards?

Yes, MyRaif credit cards come with a 100-day grace period, as indicated in the application's promotional material.

Is Apple Pay supported by MyRaif?

Yes, MyRaif supports Apple Pay, allowing for convenient and secure mobile payments.

How does the cashback program work in MyRaif?

Yes, MyRaif offers a cashback program where you can choose categories and get up to 20% cashback on purchases. You can select two new categories every month.

Can I make commission-free transfers with MyRaif?

Yes, MyRaif allows you to transfer money from card to card of any Ukrainian bank quickly and without commission. You can also make IBAN transfers.

Can I send money using only a phone number in MyRaif?

Yes, MyRaif enables transfers using only a phone number, eliminating the need to look up a card number.

Does MyRaif support international money transfers?

Yes, MyRaif allows users to receive international MoneyGram transfers directly within the app, providing a safe and convenient option.

Can I open and manage deposits through MyRaif?

Yes, MyRaif supports opening deposits in both hryvnia and foreign currency directly within the app. Users can also top up, withdraw, and view deposit details.

Does MyRaif offer online currency exchange services?

Yes, MyRaif provides an online currency exchange feature, allowing users to view current exchange rates and buy currency directly in the app.

Can I apply for a loan using the MyRaif app?

Yes, MyRaif offers the ability to apply for cash loans directly within the smartphone app in a few clicks, with amounts up to 500,000 ₴.

Does MyRaif provide discounts at ATB stores?

Yes, MyRaif offers discounts at ATB stores of up to -40%. These discounts are valid until the end of 2025.

How does MyRaif secure online purchases?

Yes, MyRaif protects online purchases with 3DS technology to ensure transaction security.

What documents are required to open a card in MyRaif?

To verify identity for a MyRaif card, you must have Dія (with an ID card/foreign passport and TIN) or a passport booklet (with a foreign passport/driver's license).

Does MyRaif offer in-app customer support?

Yes, MyRaif provides customer support through a convenient chat feature within the app, where operators can quickly assist with issues.

Can I top up my mobile account using MyRaif without commission?

Yes, MyRaif allows users to top up their mobile accounts without commission, ensuring seamless communication.

Does MyRaif offer bonuses for fuel purchases at OKKO gas stations?

Yes, MyRaif offers 'Fishback' for fuel purchases at OKKO gas stations, allowing users to earn extra bonuses.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Description

Join MyRaif users — a new, simple, and fast app from Raiffeisen Bank. Open cards, make transfers, and control deposits in the app from the bank trusted by millions of Ukrainians. HOW TO OPEN A NEW CARD? To verify your identity when applying for a card, you must have a Dія (with an ID card/foreign passport and TIN) or a passport booklet (with a foreign passport/driver's license). -Install and open the MyRaif mobile app. -Confirm your mobile number. -Select the card you want to apply for. -Follow the prompts on the screen. Your card is ready! CONVENIENT BANKING -Activate cards purchased at ATB stores and Fishka cards to shop at a discount. -Stay on top of your finances with instant push notifications for all transactions. No more surprises! -Easily analyze your spending with a detailed and transparent transaction history. You will always know where your money is going. -Find the nearest ATMs and branches quickly with the interactive map. -Get support through a convenient chat. Our operators will help you quickly resolve any issues. -Protect yourself and your loved ones by easily taking out insurance in just a few clicks. -3DS protects your online purchases. -Save time by repeating previous transactions through details. Minimum effort — maximum convenience. -View current exchange rates. -Bank ID: transfer data for identification. TRANSFERS -Transfer money from card to card of any Ukrainian bank quickly and without commission. It's as easy as sending a message. -Save your main card-to-card transfers in “Favorites” and easily repeat them. -Easy and fast IBAN transfers. -Save and edit the IBAN transfers you need in “Favorites” and easily repeat them. -Receive international MoneyGram transfers directly in the app. Safe and convenient. -Stay in touch with your loved ones without unnecessary actions and expenses. Top up your mobile account through MyRaif. No commission! -No need to search for a card number to make a transfer. Send and receive money using only a phone number. DEPOSITS -Open deposits in hryvnia and foreign currency in the MyRaif app. -Easily top up and withdraw money from deposits in MyRaif. -All your savings are under control. View the terms, conditions, and rates for your existing deposits. CASHBACK -Choose cashback categories in our app and make your purchases even more enjoyable. -Connect your existing cards to the National Cashback program and get benefits from your purchases! Or open a new National Cashback card in MyRaif and get cashback on it. -View your cashback history for each category and individual purchases to see what brings you the most benefits. CURRENCY EXCHANGE -View the current exchange rate and buy currency directly in the app. -Open currency cards for dollars and euros. CREDITS -A credit card with a 100-day grace period for all your ideas. -Cash loans for any purpose. Choose a convenient payment date so that your payments don't interfere with your plans. FOR ENTREPRENEURS -Personal and professional finances in one app. No need to choose between the two now. -Statements for hryvnia accounts for sole proprietors and self-employed individuals. Everything you need for your reporting. -Transaction history available within the app. Transparency of your finances. Don't miss the update to take advantage of even more MyRaif features. Raiffeisen Bank JSC. Entered in the State Register of Banks on March 27, 1992, under No. 94, with a record of the right to conduct banking activities under No. 10.