New Limits on Card Transfers Introduced in Ukraine from June 1, 2025

Starting June 1, 2025, new rules for money transfers to individuals’ bank cards will come into effect in Ukraine. The main change is the introduction of monthly limits on transfer amounts, which will now depend on the financial risk associated with each client.

This is reported by AgroReview

New Limits: Details for Different Client Categories

Citizens classified as medium or low risk will be able to make card transfers of up to 100,000 hryvnias per month. For individuals with a high level of financial risk, this limit will be only 50,000 hryvnias monthly. The high-risk category includes citizens who do not have verified official income.

“This can include various segments of the population. If there is no official income, no movement on the cards, and then suddenly large sums are deposited very frequently — this raises suspicions of fraud. Consequently, banks may scrutinize such individuals more closely. If violations are detected, they can block such accounts,” noted financial expert Andriy Shevchishin.

According to the expert, these new measures are part of Ukraine’s commitments to the International Monetary Fund and FATF (the Financial Action Task Force). The main goal is to ensure transparent monitoring of financial flows and to prevent the laundering of illegal income. From now on, banks will be responsible for financial monitoring of compliance with these limits, rather than the National Bank.

Monitoring Extends and Exceptions to the New Rules

The monitoring applies not only to transfers to cards but also to all transactions using IBAN. This allows banks to control attempts to circumvent the restrictions by transferring funds through other channels.

Andriy Shevchishin emphasized that the new rules will not affect volunteers, holders of salary cards, as well as those who regularly report to tax authorities and have proof of official income. Additionally, to enhance loyalty from the bank, clients should provide additional documents regarding their sources of income and specify expected monthly receipts when opening an account.

Thanks to these changes, the banking system will be able to more effectively track suspicious financial operations and enhance the level of financial security in the country.