monobank analyzed Ukrainian spending: products take 42.5% of costs

Results of monobank clients' spending for 2025

According to ХВИЛЯ: monobank summarized the spending results of its clients for the year 2025, where the largest expense category remains products and supermarkets, accounting for 42.5% of all purchases. This indicates a high demand for food products among Ukrainians, who continue to spend a significant portion of their funds on basic needs.

Market leaders in grocery retail

According to the data, the ATB chain is the absolute leader in grocery retail with a turnover of over 35.3 billion UAH. The second and third positions by turnover are held by:

• 'Silpo' stores with 23.9 billion UAH;
• 'Fora' with 10.5 billion UAH.

The Novus chain has fallen to fourth place with a figure of 7.8 billion UAH, while VARUS occupied fifth place with a turnover of 3.9 billion UAH.

Apart from grocery retail, the analysis showed that in the 'Cafes and Restaurants' category, McDonald's ranks first with a turnover of 6.6 billion UAH. The second position in this category is held by Glovo with a turnover of 5.3 billion UAH, and third – Bolt Food with a figure of 953.6 million UAH.

In the travel segment, 'Ukrzaliznytsia' is the leader with expenses exceeding 5 billion UAH. At the same time, the transaction volume of Ryanair decreased from 1.4 billion UAH in 2024 to 320.3 million UAH in 2025. This data highlights changes in the consumption habits of Ukrainians in various market segments.

The indicated results demonstrate that Ukrainians continue to prioritize spending money on urgent needs, particularly on food products, which may reflect the economic realities of the country.

The decline in expenses for international travel, particularly in the case of Ryanair, may indicate a reduction in travel opportunities or changes in consumer habits, which also deserves further attention from analysts.