The volume of transfers from the card to the card in Ukraine fell from UAH 250 to UAH 170 billion per month. The reason is the restrictions introduced by the National Bank, which not only affected dubious operations, but also forced the market to adapt to the new rules. This was stated by NBU Deputy Chairman Dmitry Oliynyk, Ukrinform reports.
According to him, a sharp decline in transactions is observed among clients who cannot explain the purpose of payments or the origin of funds.
“This is a signal that restrictions have started working. The shadow sector loses tools to circumvent control, ”Oliynyk said.
The regulator prepares a bill on the register of drops - persons through whom fictitious or illegal transfers are massively carried out. After entering the register, such persons will restrict financial transactions, including the usual "interruptions" from the card to the card. However, exclusion from the Register will be possible if the client proves his inaccuracy to the shadow schemes.
Drop registry is expected to work half a year after the law. The document is now being prepared for consideration in the profile committee of the Verkhovna Rada.
Chronology of restrictions
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October 1, 2024: NBU introduced a restriction - no more than 150 thousand UAH per month for transfers from card to card.
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December 10: Banks signed a memorandum on self -regulation - the limit was reduced to 50 thousand UAH.
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February 1, 2025: A new bank policy came into force - customer assessment of risks.
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April 1, 2025: The NBU has abolished regulatory restrictions, but banks continue to use limits by agreement.
In parallel, the regulator canceled the requirement of a handwritten signature when opening or closing a bank account. Instead, customers can use electronic signatures and digital means of identification.
