The largest banks in Ukraine signed a memorandum “On ensuring transparency functioning of the banking payment services market.” The minimum limit for transfers is set at 50 thousand hryvnias per month, and the limit is set for all transfers recorded via IBAN.
A correspondent for RBC-Ukraine reports this.
Document, zoom signed by Oschadbank, OTP Bank, PrivatBank, Pravex Bank, FUIB, Raiffeisen Bank, Universal Bank, Taskombank.
Memorandum of approval for signing by banks.
Limits on weekend transactions
Banks began to conduct exchange transactions on weekends transfers based on documentary evidence of income:
- for high-level clients, a limit of up to 50 thousand hryvnias per month is established;
for clients “medium” and “low” Rivnya rizik:
- from 1st 2025 – up to 150 thousand hryvnias per month,
- from 1st 2025 – up to 100 thousand hryvnias per month.
Limits do not interfere with clients with confirmed income, salary clients, or volunteers.
Participating banks will introduce an exchange for the number of accounts held in one currency for one client, and no more than three accounts for clients without documented proof of income. There is no need for deposit, credit accounts and accounts that are open to government support programs for clients (Ednovlenya, “National Cashback” and others).
Confirmation of income
Documentary evidence of income is transmitted, incl. extraction of documents/information in electronic form, strictly formed by the client of approval OK5 and OK7, filing declaration, salary slips, confirmation of insurance with government agencies, and confirmation of income of family members, confirmation of volunteer activities.
Clients who plan to carry out transactions under the established monthly limit are required to provide documentary evidence of income at the time of establishment/revision of business accounts. With documented evidence of income, participating banks will set/lift limits on transactions depending on the financial capacity of such clients, incl. through control of sum nadhojen na rahunki.
Groupi riziku
Based on the document, banks will introduce clear rules, starting with the proper verification of clients, and carrying out transfers for clients with physical characteristics, as well as for clients with physical characteristics acceptors, with differentiation in the position of the client's risk profile and the planned return for the market.
Participating banks will establish differentiation in the set of entries for proper processing clients under the hour of establishing business note and in the process of further servicing:
- based on the results of the identified criterion or the set of criteria, which indicate the “high” risk of the client, it is necessary to strengthen the proper verification of specific skin lesion;
- Based on the results of the identified criteria or the totality of criteria, which indicate a “low” risk of the client, it will be possible to simplify the process of reliable verification (without documentary evidence of income), in addition to the planned turnover rates:
from 1 ruble 2025 – up to 150 thousand hryvnias per month,
from 1 ruble 2025 – up to 100 thousand hryvnias per month.
Propagation of the simple method use skin bank independently comply with government policies.
Verification of FOPs
Banks are home, so that for newly created private entrepreneurs (up to 6 months) from the amount of river income, 1 lending group (high risk) will ensure the decline in the development of their business activities during the time of installation of business lines (the essence, the scale and type of activity of the client, the type of services/products for which the client goes to the bank, the financial transactions that the client plans to carry out at the bank over the course of a month or so) and enhanced monitoring surgeries for cancer up to the amount of average monthly income/month for 1 subscription group.
For private entrepreneurs on the underground subscription system or the simplified system of the 2-3rd group, a client subscription is required in line with a risk-oriented approach.
It seems that the National Bank of Ukraine has introduced a limit of 150 thousand hryvnia per month for transfers of physical osib “from card to card” on piv rock – 1st April 2024 to 1st April 2025. The limit is limited to weekend transfers for all client accounts opened in one bank for other physical characteristics.
