Ukrainians receiving housing subsidies in 2026 need to keep an eye not only on their income level but also on their asset situation. One of the grounds for refusing to grant a benefit has become the presence, by a member of the household or a member of their family, of funds in deposit bank accounts totaling more than 100,000 hryvnias. This figure is now becoming the key one when the Pension Fund of Ukraine (PFU) checks information about a household, and understanding it directly affects whether the payment is retained.

The 100,000-hryvnia threshold: what exactly the PFU takes into account

It is important to immediately distinguish between two concepts that are often mixed up in everyday speech. A hypothetical 50 or 80 thousand hryvnias in a deposit, by itself, does not fall under the ground for refusal — the threshold is not reached. But if the total amount of deposit funds exceeds 100,000 hryvnias, the right to the subsidy may be reviewed. The criterion works not on a per-account basis but on their total sum, so relying only on the size of a single deposit is a mistake.

A deposit and an ordinary card are not the same thing

Here many subsidy recipients may misunderstand the rule, so it is worth clarifying it separately. The ground for refusal in question concerns specifically funds in deposit bank accounts. The mere fact that a person temporarily has a large sum of money on an ordinary bank card does not mean an automatic loss of the subsidy under this criterion. A salary left on a current account until the next payment and funds in a term deposit are not identical situations, and they are interpreted differently during a check.

Summing accounts across different banks

If a person has several deposits, including in different banks, they must be counted together. For example, two deposits of 60,000 and 50,000 hryvnias give a total of 110,000 hryvnias — the threshold is exceeded. Similarly, a combined total of deposits of 105,000 hryvnias also goes beyond the established limit. Therefore, when assessing the asset situation, it is important to add up all the deposit accounts of a household member rather than consider each of them in isolation.

Exceeding the threshold does not mean an immediate stop to payments

One should not conclude that any excess of the amount automatically means an immediate termination of the payment. When granting a subsidy, the PFU checks information about the household and determines whether the legislation provides grounds for refusal. Separate rules apply to an already granted benefit regarding the circumstances that may affect its further payment. In other words, the presence of an excess over the threshold is a signal for review, not an unconditional and instant “stop.”

What else is taken into account when granting a subsidy

When determining the right to a subsidy, the PFU takes into account not only money in deposits but also other income, the asset situation, and certain financial transactions. In this context, experts have previously reminded that the size of the subsidy may decrease after a relative gets a job, and they have explained in what cases a large one-time payment can leave a family without assistance. A separate mechanism for a subsidy on firewood and liquefied gas is in effect, for which certain categories of citizens may qualify. Thus, the 100,000-hryvnia deposit threshold is only one element of a comprehensive assessment, and finances should be planned taking into account the full set of criteria.