Cash withdrawal limits in Ukraine: what bank customers need to know in 2026

Ukrainian banks continue to impose limits on cash withdrawals—both in hryvnia and in foreign currency. These limits can vary significantly depending on the bank, the type of card, and even the method of withdrawal. Learn more about the current cash withdrawal limits in Ukraine for 2026 and the terms and conditions of various banks

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Following the imposition of martial law in Ukraine, the National Bank introduced a series of restrictions on cash and foreign currency transactions. Some of these rules remain in effect in 2026, although banks are gradually adjusting their own limits depending on the situation in the financial market.

Today, customers of Ukrainian banks may face not only daily limits on cash withdrawals but also limits per transaction, additional fees, or the need to pre-order currency. This is especially true for transactions abroad, where separate rules and restrictions apply.

According to the NBU, in 2025 alone, Ukrainians made millions of cash withdrawal transactions via ATMs and retail networks, and the popularity of cash-out services in supermarkets continues to grow. That is why knowing the current limits and terms of various banks is becoming increasingly important—especially for Ukrainians who travel frequently or are abroad.

What cash withdrawal limits are in effect in Ukraine in 2026?

In 2026, cash withdrawal limits remain in effect in Ukraine. The main rule for individuals remains unchanged—no more than 100,000 UAH can be withdrawn from hryvnia accounts per day. A similar limit applies to foreign currency accounts—in hryvnia equivalent.

It is important to understand that this is a general daily limit that includes:

- ATMs

- Bank teller windows

- POS terminals

- Cash-out at stores

For example, if a customer has already withdrawn 60,000 UAH from an ATM, they can withdraw a maximum of another 40,000 UAH at a bank teller window on the same day.

Separate rules apply to transactions abroad. The NBU has maintained the limit on cash withdrawals from hryvnia cards outside Ukraine—up to 12,500 UAH per week in equivalent. For foreign currency cards, the daily limit is up to 100,000 UAH in equivalent.

At the same time, banks themselves may set additional internal limits:

- Per transaction

- Per 3 hours

- Per day

- Depending on the card type or financial monitoring

Users often confuse NBU limits with those of a specific bank. For example, the NBU allows withdrawals of up to 100,000 UAH per day, but a specific bank may limit ATM withdrawals to only 20,000–40,000 UAH per transaction or impose a waiting period between withdrawals.

What limits have Ukraine’s largest banks set for 2026?

The differences between Ukrainian banks can be quite significant. At some ATMs, you can withdraw 20,000 UAH at a time, while at others—up to 40,000 UAH or more. Additionally, banks set their own rules for foreign currency accounts and transactions abroad.

PrivatBank

PrivatBank remains one of the banks with the highest cash withdrawal limits.

Main restrictions:

- Up to 100,000 UAH per day from hryvnia accounts

- Up to 100,000 UAH per day in equivalent value from foreign currency accounts

- At an ATM: up to 40,000 UAH within 3 hours

- For certain customers, the limit may be reduced to 20,000 UAH over 3 hours due to financial monitoring.

To obtain dollars or euros at the teller window, you often need to pre-order the currency via Privat24 or the bank’s support service.

PrivatBank also actively promotes its “Withdraw Cash” service in stores. Through supermarket and gas station teller windows, you can withdraw up to 6,000 UAH per transaction.

Monobank

Monobank uses Universal Bank’s infrastructure but has its own rules for cash transactions.

The following limits apply in 2026:

- Up to 100,000 UAH per day for hryvnia accounts

- Up to 100,000 UAH equivalent for foreign currency transactions

- Abroad – up to 12,500 UAH per week within the limits set by the NBU

An important detail: you cannot withdraw foreign currency from a Monobank card via an ATM in Ukraine. To do so, you must visit the teller counters of partner banks.

Additionally, Monobank applies a combined limit across all of a customer’s accounts simultaneously. In some cases, this limit may reach 300,000 UAH, depending on the type of transactions and the bank’s verification processes.

FUIB

FUIB imposes stricter limits on ATM transactions than PrivatBank or Monobank.

The bank has set the following limits:

- Up to 20,000 UAH per day via ATMs;

- A total limit of up to 100,000 UAH per day from hryvnia accounts;

- Up to 100,000 UAH equivalent for foreign currency accounts.

Cash can be withdrawn at ATMs, bank teller windows, or via the cash-out service in stores. At supermarkets and gas stations, you can usually withdraw up to 6,000 UAH per transaction.

Sense Bank

In 2026, Sense Bank maintains separate limits for teller windows, ATMs, and POS terminals.

The bank’s main limits:

- Up to 100,000 UAH per day – at the bank teller

- Up to 50,000 UAH per day – at ATMs and POS terminals

- Up to 100,000 UAH equivalent – for foreign currency transactions

The bank also emphasizes that foreign currency in Ukraine can only be obtained at a teller window. For large amounts, advance cash orders are often required.

Another feature of Sense Bank is that the bank may temporarily lower limits in the event of suspicious transactions or atypical customer activity. This is due to financial monitoring requirements and AML checks.

Oschadbank

In 2026, Oschadbank has some of the lowest ATM limits among major state-owned banks.

Current limits:

- Up to 20,000 UAH per transaction

- Up to 50,000 UAH per day via ATMs

- Up to 100,000 UAH per day – via the bank teller

However, these limits do not apply to certain social benefits and payroll projects. In such cases, the bank may set individual terms for customers.

Oschadbank also has separate rules for foreign currency transactions:

- Currency often needs to be ordered in advance

- Withdrawals depend on the availability of cash at a specific branch

- It is not possible to obtain currency from ATMs

Where is it more convenient to withdraw cash: ATM, teller window, or store

In 2026, Ukrainians are increasingly using not only ATMs but also cash-out services at stores and gas stations. This allows them to quickly obtain a small amount of cash without having to search for an ATM.

The most common chains where cash-out is available:

- Silpo

- ATB

- Fora

- VARUS

- OKKO

- WOG

- EVA

- Rozetka

In most cases, the limit per transaction ranges from 500 to 6,000 UAH, depending on the bank and retail chain. To receive cash, simply pay for any purchase with your card and tell the cashier the amount you need.

The main advantage of cash-out is the absence of additional fees at many banks. However, some banks may count such transactions toward the overall daily cash withdrawal limit.

ATMs remain the most convenient way to quickly obtain large sums, but there are a few caveats:

- An ATM may have its own limit per transaction

- Sometimes the machine physically cannot dispense large amounts due to a shortage of bills

- Different banks have different restrictions even for cards of the same type

That is why Ukrainians often use bank tellers for large amounts. This is especially relevant for foreign currency transactions, as dollars and euros are not available at most Ukrainian ATMs.

Experts advise:

- Order large amounts of foreign currency at least 1–2 days in advance

- Check the bank’s fees before withdrawing

- Do not withdraw the entire amount at once while abroad due to potential double conversion

- Use cashless payments whenever possible to avoid losing money on fees

What do Ukrainians abroad need to know?

For Ukrainians abroad, cash withdrawal limits often become a problem right at the ATM: the transaction may be declined, the amount may be automatically reduced, and a foreign bank’s fee may be added to the withdrawal.

In 2026, the NBU’s restriction on hryvnia cards abroad remains in effect—up to the equivalent of 12,500 UAH per week. The limit is calculated from Monday to Sunday and applies specifically to cash withdrawals outside Ukraine.

The terms are more favorable for foreign currency cards: you can withdraw an amount equivalent to up to 100,000 UAH per day from a foreign currency account. That is why it is more convenient for Ukrainians who travel frequently or live abroad temporarily to have a separate card in euros or dollars.

At the same time, even within the permitted limit, additional costs may arise during a withdrawal: a fee charged by the Ukrainian bank, a fee charged by the ATM abroad, double currency conversion, or an unfavorable exchange rate offered by the foreign bank. You should be especially careful at airports, tourist areas, and near train stations, where ATMs often apply less favorable terms.

To avoid losing extra money, it’s best to check the commission amount on the ATM screen before confirming the transaction and choose to have the funds debited in the currency of the country you’re visiting, rather than in hryvnia. If an ATM offers a “guaranteed exchange rate,” this often means dynamic conversion, which may be less favorable for the customer.

It’s also worth remembering: a foreign bank may set its own limit per transaction. Therefore, even if a Ukrainian bank allows you to withdraw a larger amount, a specific ATM may only dispense part of the funds. In this case, you’ll have to perform several transactions, which can increase commission costs.

How do I check or change the limits on my card?

In 2026, most Ukrainian banks allow you to manage limits directly in the mobile app. This is especially important before traveling abroad or making a large cash withdrawal, when standard limits may not be sufficient.

In Privat24, monobank, Sense Bank, PUMB, and other banks, customers can check the following on their own:

- Daily cash withdrawal limit

- Availability of transactions abroad

- Limits on online payments

- Card status and active restrictions

Some limits can be changed manually, but this does not override NBU regulations or the bank’s internal restrictions. For example, even after increasing the limit in the app, the system may not allow you to withdraw an amount exceeding the set daily maximum.

Also, in 2026, banks are using automated financial monitoring much more actively. Because of this, large or unusual transactions are sometimes blocked for additional verification, especially if the customer:

- Attempts to withdraw a large amount in a short period of time

- Conducts many transactions in a row

- Suddenly starts using the card in another country

- Performs transactions that are atypical for them

In such cases, the bank may ask you to confirm the transaction via the app, a phone call, or even temporarily restrict access to cash withdrawals until the verification is complete.

That is why banks recommend checking current limits in advance before large transactions, and when traveling abroad, having a backup card from another bank in case of technical glitches or transaction blocks.

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