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MyRaif Mobile Application
Your business and personal finances in one place
What is MyRaif
What are advantages of the mobile app
What are MyRaif App Features
- For individuals
- For entrepreneurs
How to Start Using MyRaif
What is useful to know about MyRaif
Upcoming Features
We hear you and are working on developing new functions. Check out the list of main features.
MyRaif App Reviews
What They Say About Us
Raiffeisen is implementing the biggest mobile banking update in its history. Nearly 1 million clients have already chosen the MyRaif app, valuing convenience, speed, and modern technology in financial services. (translation)
People need simplicity. Reliability. And a little benefit. If an app doesn’t make life easier, it has no chance. That’s exactly what Raiffeisen Bank thought and created MyRaif — a new app that meets the needs of all Ukrainians. Modern. Beneficial. Reliable. For everyday life. (translation)
Frequently Asked Questions
- For individuals
- For Entrepreneurs
Download the app, complete identification, and open a card. The entire registration is online and the card is issued without visiting a branch.
No, but it makes the process much easier. You can also use a passport booklet or complete video identification.
In the app, go to: “All accounts” → “Open new card” → “Activate plastic card.”
Add the card to Google Pay or Apple Pay. More details on how to pay with your phone are in our instructions.
The number of any active Raiffeisen card you have (except an ATB card if you just purchased it and haven’t activated it yet).
If you have another active Raiffeisen card (not the newly purchased ATB card), you should enter that card number during registration.
- Log into Diia and select Menu → Diia.Sign;
- Tap “Create”;
- Confirm your identity via photo verification;
- Create a 5-digit code for Diia.Sign.
More info: https://ca.diia.gov.ua/faq_diia_id
Receipts can be obtained in the app for new accounts opened in MyRaif and on the bank’s website. Receipts for previously opened cards are currently unavailable. If you need a receipt, you can open a new account with a virtual card in MyRaif, make a free transfer between your own accounts (3% commission for credit cards), then transfer funds, view the receipt, and if needed, forward it via any messenger.
Yes. The important factor is the account number, not the card type. Any debit card can be used as a social card, pension card, or child benefit card.
Yes, you can apply for an online loan. Go to the “Loans” section, and if an offer is available, you can apply. Detailed terms for credit cards and cash loans are available via the links.
You first need to open a foreign currency card. After that, you will be able to exchange currency.
A mobile app for entrepreneurs is a banking platform for managing finances of sole proprietors (FOP).
The leading mobile app for sole proprietors and self-employed individuals is MyRaif — a convenient banking app that allows you to:
- Open an account with a business card online
- Make business IBAN payments, including via QR code
- Pay taxes and budget payments
- Generate statements and save or send them in PDF, CSV, XLS formats
- View payment and card transaction history
- Save regular payments as favorites and use a counterparty directory for creating payments
- Manage business cards and set spending and transaction limits for added security
- Instantly transfer funds from a business account to your personal Raiffeisen card
- Conveniently confirm online card purchases in MyRaif
- Link cards to Google Pay or Apple Pay to pay faster and easier with your phone or smartwatch
- Receive PUSH notifications about incoming and outgoing payments and card transactions
If you use Raiffeisen Business Online, check out the advantages and comparison of MyRaif for business vs. the RBO mobile app here.
- iOS version 15.0 or higher
- Android version 7.0 or higher
- HarmonyOS (Huawei) version 7.0 or higher
MyRaif allows sole proprietors and self-employed to make their business flexible.
It provides access to financial management — no need to visit an office or find a computer. It’s designed for convenience to check account balances with one click, monitor cash flow, and receive transaction notifications.
You get secure access to current credit offers tailored for your business.
Unlimited control and freedom from routine: instantly switch between personal and business profiles in the app.
MyRaif is the only mobile app for personal and business needs that lets you manage your finances quickly and securely anywhere, anytime.
In the MyRaif business profile:
- Sole proprietor accounts:
Card and current accounts of balance group 2600 in UAH, USD, EUR, GBP. - Self-employed accounts (private notary, lawyer, arbitration manager, etc.):
Current accounts of balance groups 2621 and 2624 in UAH.
Also, accounts with special usage regime of balance group 2604 in UAH.
You can easily generate and send account details in MyRaif:
- Log in to the business profile
- Select a business card and open details
- Tap “View account details” and “View details (PDF)”
Or even better! Tap “Create QR code.”
Then save or send the PDF details or QR code via email or messenger.
Available for current and card accounts in UAH and foreign currencies USD, EUR, GBP (SWIFT details).
Activating plastic or virtual business cards allows you to use them for all operations.
In the MyRaif business profile:
- Tap the card image
- Activate the card by setting a PIN code
Link your card to Apple Pay or Google Pay and pay with your smartphone or watch — hassle-free.
Right after topping up your account, you can:
- Pay with the card at any store via POS terminals
- Shop online anywhere, anytime
- Withdraw cash at ATMs, including business cards linked to Apple Pay or Google Pay
Link your card to Apple Pay or Google Pay and pay with your phone or watch — hassle-free.
In the MyRaif business profile:
- Tap the card image
- In card details, tap “Add to Apple Pay” or “Add to Google Pay”
- Agree to terms and tap “Next”
Your card will be added to the digital wallet and ready to use.
- In stores
- In cafes and restaurants
- In transport
- On websites
- And withdraw cash at Raiffeisen ATMs that support Apple Pay and Google Pay
Yes, you can create and sign payments by IBAN to partners across Ukraine directly from your smartphone.
- Log in to the MyRaif business profile
- Select “Pay by IBAN”
- Fill in the recipient’s standard details and pay
The electronic assistant in MyRaif will help with future payments by suggesting recent payments.
Have a counterparty’s QR code? Create payments via QR scanner.
Save templates as favorites for quick repeat payments.
In the MyRaif business profile:
- Select “Pay by IBAN”
- Enter the tax office IBAN and select the payment code; the electronic assistant will fill in other details
You can freely pay all popular taxes — unified social contribution, personal income tax, single tax, military tax, customs payments, etc.
Save templates during payment creation by clicking “Add to favorites” for easier future payments.
You can instantly:
- Transfer earned funds* from your sole proprietor account to your personal Raiffeisen card directly in the app
- Transfer funds between your own business accounts within Raiffeisen
In the MyRaif business profile, tap “Transfer to myself”:
No need to fill in details, just enter the transfer amount
*Income payment for sole proprietors
You can easily generate statements for the desired period in a convenient format directly in the app.
In the MyRaif business profile, statements are available for:
- Current and card accounts in UAH and foreign currencies USD, EUR, GBP
- Formats PDF, CSV, XLS and languages UA/EN
Select the card in the app, tap it to open card details, then tap “Account statement,” choose period, language, format, and transaction type (all/incoming/outgoing), and tap “Generate statement.”
You can save or send the statement via email or messenger.
Statements show both non-cash IBAN payments and card transactions, including commission fees if applicable.
Raiffeisen — about convenience.
In the personal profile:
- View current credit offers
- Apply for a loan
- Manage credit debt
In the MyRaif business profile:
- View current credit offers
- Submit a loan application
Undoubtedly, MyRaif is a trusted and user-friendly mobile app. It should be your first choice. Raiffeisen Bank is always about convenience. Raif is with you — at home and at work.
MyRaif — the leading mobile app for entrepreneurs.
Your full history of income and expenses is transparent, detailed, and has convenient search filters.
In the MyRaif business profile on the main page:
- Select the necessary accounts/cards
- In the operations list, tap “View all” to open the transaction history
- Use search filters to generate the desired list of transactions
Search is available by period, counterparty name, amount, and categories.
You have access to various transaction categories:
Income and expenses, business payments, cash operations, budget payments, etc.