The Ukrainian financial system is preparing for major changes. Starting in August 2026, new rules for conducting money transfers will come into force in the country. Banks are introducing strict limits for clients who cannot documentally verify their income, as well as for newly registered entrepreneurs and companies. These measures are aimed at increasing the transparency of the payment services market and combating financial abuse.

Who will be affected by the restrictions?

The new regulations are based on the updated Memorandum on Ensuring the Transparency of the Payment Services Market, which banks signed back on May 14. The document will come into force in stages. It is important to understand that not all citizens will fall under these restrictions. Exceptions are made for payroll clients, individuals with documented income, as well as for volunteers who have undergone official identification at the bank in accordance with the requirements of the National Bank.

Strict limits are established for those whose financial inflows the bank cannot clearly track. For such clients, two levels of limits have been introduced depending on the risk assessment:

  • High risk level: the transfer limit is 50,000 UAH per month.
  • Medium and low risk level: the limit is increased to 100,000 UAH per month.

Exceeding these amounts without providing documents justifying the origin of funds will be impossible.

New rules for business and sole proprietors

The most significant changes await newly created and inactive ("dormant") business entities. Separate limits are introduced for individual entrepreneurs (sole proprietors) and legal entities, which will be implemented in two stages.

From August, the monthly transfer limits will be:

  • 600,000 UAH — for Group 1 sole proprietors;
  • 3 million UAH — for Group 2 and Group 3;
  • 5 million UAH — for new legal entities.

However, by November, the threshold will be lowered even further: to 400,000 UAH, 1 million UAH, and 2 million UAH respectively. The definition of a "new sole proprietor" will be determined by each bank independently within the framework of its own financial monitoring procedures. Usually, this category includes entrepreneurs who have been operating from six to twelve months after registration. Those who have been conducting active business for a long time and have transparent reporting will not be subject to restrictions.

What to do in case of a block?

If a client encounters a transfer restriction or account block, the algorithm of action is extremely simple. First, it is necessary to contact your bank for an official explanation of the reasons. Second, you should prepare documents confirming the source of income. These may be salary certificates, tax returns, lease agreements, or civil law contracts.

Third, these documents must be submitted to the bank branch or through the official mobile application. After verifying the provided data, the limits should be lifted. Volunteers are advised to take care of official identification at their bank in advance by providing documents confirming volunteer activity to avoid any restrictions.