Since the beginning of February 2025, new rules governed in Ukraine that will regulate citizens' card. In particular, without official confirmation of income, limits are set to ensure transparency of financial transactions and minimize the risks of money laundering.
According to a memorandum on ensuring the transparency of the payment services market signed by the National Bank of Ukraine and the leading banks of the country, the following restrictions are imposed:
- For average and low risk customers:
- From February 1, 2025, the maximum limit for transfers will be 150 thousand UAH/month.
- From June 1, 2025, this limit will decrease to 100 thousand UAH/month.
- For high -risk customers:
- From February 1, 2025, the limit will be 50 thousand UAH/month.
It should be noted that banks may include high -ranking officials or suspicious operations.
Features of new rules
- Without restrictions, there are transfers between accounts opened in one bank owned by one client.
- If the client has documentary confirmation of income in excess of the established limit, banks will allow transactions within these income.
- Customers have the right to apply to the bank to increase the limit, providing supporting documents on sources of income.
In addition to setting limits, a memorandum involves the following actions:
- Creation of a centralized register of dubious clients marked by Drop.
- Increased monitoring of night operations (from 24:00 to 06:00).
- Careful check of customers and sources of their income.
- Active communication with clients to clarify financial transactions.
The implementation of new rules is aimed at strengthening the trust in the banking system and reducing the risk of financial crimes. The President of the Association of Ukrainian Banks Andriy Dubas noted that these changes will be an important stage on the way to creating a transparent and stable financial ecosystem in Ukraine.
Despite some inconvenience for clients, the implementation of such measures will help minimize illegal financial transactions, strengthen the responsibility of market participants and ensure stability in the banking sector. Customers should prepare for the new rules and, if necessary, take care of the early confirmation of the sources of their income.
