Depending on the category, the limit will range from 50,000 to 150,000 hryvnias per month per bank.
For most clients, starting from June 2025, the maximum transfer limit will be reduced to 100,000 hryvnias per month, while some high-risk individuals will face stricter limits of 50,000 hryvnias as early as February. These measures target clients who cannot provide documentation proving the legality of their income.
The National Bank of Ukraine (NBU) cites the need to tighten oversight of financial transactions and combat illegal schemes, including operations carried out through "drops" (front individuals). The restrictions aim to minimize fraudulent activities and enhance financial transparency.
To avoid being classified as high risk and to prevent transfer limitations, the NBU advises individuals to:
Provide accurate income documentation when opening bank accounts.
Avoid engaging in suspicious transactions, such as frequent large transfers or receiving funds from multiple unrelated parties.
Declare all income and refrain from participating in dubious financial schemes.
Experts warn that the introduction of these restrictions may lead to unforeseen consequences. The increased complexity of transferring funds through banks could push individuals to rely more on cash and cryptocurrencies, complicating the government's efforts to monitor financial flows and combat financial crimes.
As the new rules come into effect, financial institutions and the public will need to adapt to the changing regulatory environment. Further clarity and updates from the NBU are expected in the coming months.