| bank cards. The NBU established a limit of 150 thousand. UAH per month for operations on physical security deposits.
A report on card limits, why they should be introduced and why they should be introduced, is in the materials of RBC-Ukraine below.
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- How the rules for penny transfers have changed for the 1st month
- For whom the limit does not apply
- What will happen to volunteer fees
- Navishcho the National Bank has issued a deduction
How the rules for penny transfers have changed 1st month
Introduction Limits on transfers between Ukrainian cards have been discussed for many months. The NBU considered various options that would reduce the number of operations and their amounts.
Limits were announced at 100 thousand. UAH and no more than 30 operations, one per month, in case of failure the “m'yakishi” of the mind were confirmed.
Up to Resolution No. 102 of the National Bank of Ukraine:
- from 1 A limit is now being established for physical persons on weekend transfers of groschen from “card to card”;
- the transfer limit is limited to 150 yew . UAH per month;
- exchange period 6 months – until April 2025.
We are talking about operations between card shells of cross-border communities (physical individuals). These are called P2P payments (from English person to person), when money from the bank card of one person is transferred to the card of another person through bank deposits and other special services that allow you to withdraw money vati koshti.
For According to the new rules of the NBU, the maximum amount of pennies that can be transferred in such a manner cannot exceed 150 thousand. UAH (the sum of output transfers for all accounts of the client in one bank per month).
For whom the limit does not apply
Do not hesitate to transfer from “card to card”:
- banking transactions using IBAN details;
- Likewise, the limits do not apply to legal entities;
- transfers the sums between your card cards, which are opened in one bank;
- As soon as the thousandth confirmed amount of income exceeds 150 thousand. UAH
The NBU sings that the majority of Ukrainians do not understand the innovation, and even 98% of transactions that bank clients make do not exceed the establishment of an exchange rate.
Also, the limits are not paid to carry out the activities of volunteers .
What will happen with volunteer fees
During the process of confirming the limits on card transfers to the National Bank, discussions were also held with volunteer fees.
In the NBU decree it was expressly stated that the following restrictions are not allowed:
- under the hour, there will be an increase in the number of physical persons who engage in volunteer activities and identify themselves as volunteers;
- under the hour of transfer of funds from the physical categories involved in volunteer activities and identified as volunteers.
Identification of an individual as a volunteer is carried out in the banking establishment/issuance of payment services based on the following criteria:
- the individual is officially registered as a volunteer;
- carrying out volunteer collections standard activities for the purposes of an individual;
- the individual submitted a sheet to the sovereign authority/military unit/charitable fund for the purpose of spіvpratі within the organization of the collection of property;
- The individual provided information regarding the planned amounts and lines of collection of funds from the designated purposes of such collection and further selection of funds collected;
- Information from confidential agencies, social measures and The Internet confirms the current physical and special volunteer activities and the methodology of volunteer gatherings.
To pass identification, a person must meet at least 2 out of 5 criteria.
News The National Bank has issued an exchange
Limits on transfers between cards will help fight illegal activities. The banking payment infrastructure is supported by the dark economy. Zokrema, a central business and “drops” schemes, is explained by the NBU.
“Drops” are people who transfer details and data of their card accounts to third parties for payment. Then they are vikorist as “transit” rackets for the transfer and “raising” of illegal funds.
It is difficult to assess the scale of the problem of the vicious growth of “drops” through the fact that they have an initial physical behavior, “protocol through the system there are tens of thousands of “sleepers” and already active rams.” The National Bank analyzed that about 200 billion UAH in the river could pass through “drop” cards.
Despite the fact that in the largest Ukrainian banks, in 2024, business accounts with over 80 thousand were already opened. clients through participation in “drop” schemes, the amount and number of card-to-card transfer operations continues to grow in all groups of banks, regardless of the obligations of the card business.
“Shadow business is looking for new ways of making penny payments, and this will require a swift response, and the NBU will issue a limit as a timely, anti-crisis decision,” the press service informs the National Bank.
Updates pіv rock dii obmenen to push for comprehensive solutions to this problem through changes in legislation, with the participation of government and law enforcement agencies
It is planned to cover:
- praise bill No. 11043, which will increase the amount of fines to violators of payment legislation and provide the means for the rapid exchange of data with the cyber police;
- promote legal norms that allow attract organizers and familiar participants to the point of authenticity illegal schemes”;
- maintain a registry in which to collect information about clients, “cards that were used in illegal schemes schemes”;
- include changes to legislation that will expand the regulatory changes of the NBU so that they can quickly limit the activity of the gravitational market, which will not ensure an effective fight against obvious and new schemes “;< /li>
- enable the development of automated banking systems, as well as the development of “indicators, rules and models for identifying atypical customer behavior.”
The implementation of these solutions will enable the National Bank of Ukraine are subject to the restrictions imposed.
During preparation, the following were used: information from the NBU press service, NBU Resolution No. 102 dated September 27, 2024.