The requirements for financial monitoring have intensified in Ukraine. Despite the fact that a compulsory restriction of 150 thousand UAH per month for transfers from the card to the card is formally canceled, banks store it within the voluntary memorandum. Moreover, since July 2025, restrictions will be reduced to 100 thousand UAH per month, and for clients with high risks - up to 50 thousand UAH.
The accounts of Ukrainians are blocked even without explanation. The reason is suspected money laundering, transit translation signs, or use of accounts for schemes with drops.
What is the “Drop” and why banks are afraid
Drop is called persons who allow you to use their cards for transit money transactions. This is a typical link in the schemes of fund legalization. Banks are obliged to identify such cases and block accounts.
In one of the cases, PrivatBank blocked the account of a resident of Kryvyi Rih, through which 5.2 million UAH passed for the year. The man could not explain the origin of the funds, and the court found the bank's actions legitimate.
Another story is a teacher from Volhynia, who spent 4.6 million UAH through her card four years, with official income of UAH 1.3 million. Her account was also blocked, and in court she could not prove the validity of her operations.
Why can the account be locked
Banks pay attention to the following features:
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regular P2P transfers in large quantities;
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incomprehensible origin of funds;
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transit nature of operations (money is immediately derived);
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lack of explanations of the purpose of operations.
In the case of Cherkasy, who lost the court of PrivatBank, the bank found it "high -risk" because of a constant replenishment of the card without a clear source of funds - it seems like the sale of auto parts.
Limits that change since July
Since mid -summer, restrictions become tougher:
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total limit - 100 thousand UAH/month;
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for "risky customers" - 50 thousand UAH/month;
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for persons with confirmed income, salaries, pensions - limits are not used;
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Transfers between own accounts in one bank are not subject to restrictions.
Financial expert Olesya Danylchenko emphasizes: the limits themselves do not solve the problem of "drops". The system is required - black lists, a ban on receipt of state services, involvement of the Ministry of Internal Affairs and other bodies.
In her opinion, the approach should be individual. Instead of blocking everyone, banks should build Drop profiles based on behavioral data.
Ukrainians with "white" income should immediately contact a bank income (including salary, pension or FOP) to increase the personal limit. Then financial monitoring will not be a problem for them.
For other customers, every incomprehensible transaction can block the account and sometimes full closure.
