Client-bank integrations

Ten banks your salary register already reaches

APEX Cache produces the salary register from the same calculation that produced the payslips, then delivers it to the bank. Ten Ukrainian banks are connected today, including the four that carry most salary projects in the country. Where a bank is not connected, the register still exports in the National Bank payment format.
Why it matters

One register, several banks, one payment run

Most payroll systems produce one file per bank. If your people are split across three banks, that is three files, three uploads and three sets of statuses to chase, every month.

Cache holds a single salary register that credits cards across several banks at once. We benchmarked fourteen Ukrainian and international payroll products against six hundred functions. One other product does this.

Connected

The ten banks connected today

PrivatBank

JSC CB PrivatBank · Privat24 for Business
Salary register file plus the Privat24 for Business API
Largest salary-project provider in Ukraine

Bank website

Oschadbank

JSC Oschadbank · Internet Client-Banking
Salary register file plus internet client-banking, with online status
State bank with its own processing centre

Bank website

monobank

JSC Universal Bank
Salary register file plus the bank’s own API
Universal Bank is the licence holder behind monobank

Bank website

PUMB

JSC FUIB
Salary register file plus the bank’s own API
Systemically important bank

Bank website

Ukrgasbank

JSB Ukrgasbank
Salary register file plus open banking via the Tieto platform
State bank

Bank website

OTP Bank

JSC OTP Bank
Salary register file plus Open API Hub

Bank website

CreditWest

JSC CreditWest Bank
Salary register file plus client-bank
First Turkish bank in Ukraine

Bank website

MTB Bank

JSC MTB Bank · MTB-B
Salary register file plus the MTB-B corporate internet bank
Odesa bank

Bank website

Citibank

JSC Citibank Ukraine
Salary register file plus corporate host-to-host channel
Serves foreign corporate clients of the Citi group

Bank website

Asvio Bank

JSC Asvio Bank
Salary register file plus client-bank
Boutique bank for legal entities and ФОП

Bank website

Bank names and marks are the property of the banks concerned. Their appearance here indicates a technical connection only, and does not imply partnership, sponsorship or endorsement.

The connection

Two channels, depending on the bank

Register file

Accepted by every bank on the list

A salary register in the bank’s own format, produced from the same calculation that produced the payslips. No re-keying, and no second source of truth.

Direct API

Where the bank publishes one

Cache talks to the bank directly at PrivatBank, Oschadbank, Universal Bank behind monobank, and PUMB. Status comes back without anyone opening the client-bank.

Open banking

Through the platform layer

Ukrgasbank through Tieto and OTP through Open API Hub. The National Bank framework under Resolution 80 will widen this. We are not an AISP or PISP ourselves, and we will say so until we are.

The rest

If your bank is not on this list

Ukraine has around sixty banks. Ten are connected directly. For the others the register exports in the National Bank payment format and is uploaded through the client-bank you already use, which is how most companies work today anyway.

Three things we do not do yet, and will not imply otherwise: qualified electronic signature on register batches, automated reconciliation of what the bank actually credited, and card enrolment file exchange with the bank. Those stay with your finance team for now.

Tell us which banks you use

Send us the list. We will tell you which are connected directly, which need the register file, and what that changes at your month end. No charge and no obligation.

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