The main thread in the life of Concord Bank began in 2012, when the main beneficiaries of the bank became Elena Sosiedka and Julia Sosiedka, which in turn launched its progressive development. In the short five years, 10 offices - 3 in the Dnieper, in Kiev, Lviv, 2 in Odessa, Kryvy Rih, Zaporizhzhya, and Kharkiv were opened. The Bank became a member of the Deposit Guarantee Fund of individuals, an associate member of the international payment system Visa International, FIRST in Ukraine among small and medium-sized banks, received the principal membership of Mastercard, became a member of the independent association of Ukrainian banks, Prof. associate of capital market participants and derivatives. In 2016, the shareholders created their own processing center "PROCARD", which makes Concord Bank absolutely independent in everything - from the release of supermarket cards to the establishment of terminals, from providing the most sophisticated bonus systems to mega speeds in payment. Since then, other banks, trading networks are beginning to turn to PROCARD for these services. Also, in 2016, the bank installed its Internet banking icON25 and its iOS and Android app, which is the only one in Ukraine that allows its customers to pay for communal, mobile, television and the Internet without any fees.