Nuevos límites en las transferencias de dinero para ucranianos: quién se verá afectado

A partir del 1 de septiembre de 2026, entrarán en vigor nuevas reglas de monitoreo financiero en Ucrania. Los bancos están introduciendo estrictas restricciones en las transferencias para nuevos y ‘inactivos’ trabajadores autónomos, así como para empresas de alto riesgo, con el fin de combatir los esquemas de ‘caída’. Estas restricciones no se aplicarán a los ciudadanos comunes por el momento. Descubre qué montos están ahora sujetos a controles

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From autumn onwards, Ukrainians can expect updated rules governing the monitoring of funds in bank accounts. Ukrainian banks and payment services are expanding the scope of financial monitoring, which will come into effect from 1 September 2026. According to the publication ‘Ekonomichna Pravda’, financial institutions have signed an updated memorandum aimed at combating shadow schemes. The changes will not affect everyone, but certain categories of customers will have to verify their income much more frequently.

Limits on card-to-card transfers for individuals in 2026

For ordinary citizens, the rules remain the same — the memorandum does not introduce any new restrictions for them. Banks continue to adhere to the limits agreed back in late 2024.

For low-risk customers, the upper limit on outgoing transfers is 100,000 UAH per month, and for high-risk customers — 50,000 UAH. If you have an official and verified income (for example, an official salary) that exceeds these thresholds, your limit is automatically set equal to the amount of that income.

What transfer restrictions are being introduced for sole traders from 1 September

The main change in the document concerns sole traders. However, not everyone will be affected, only new sole traders (registered for less than 6 months) and so-called ‘dormant’ entrepreneurs who have not been active for a long time but have suddenly started making large money transfers.

Restrictions on monthly outgoing transactions will be introduced in two stages:

▪️ First stage (from 1 September to 1 December 2026): for sole traders in Group 1, the limit will be up to 600,000 UAH per month; for Groups 2 and 3, up to 3 million UAH.

▪️ Second stage (from 1 December 2026): the limits will be tightened. For Group 1, the limit will be reduced to 400,000 UAH; for Groups 2 and 3, to 1 million UAH per month.

For businesses operating as normal, nothing will change — financial institutions will continue to use the usual risk-based approach. If, however, a new or ‘reactivated’ sole trader encounters these restrictions, they will be able to apply for an increase in the limit by providing the bank with supporting documents (for example, justifying this on the grounds of the seasonal nature of the business or the purchase of equipment).

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New rules for legal entities: who will be subject to financial monitoring

The restrictions will also affect companies, though the regulatory filter is set exclusively for the high-risk corporate sector.

This refers to new or inactive legal entities exhibiting signs of being ‘shell companies’. Financial monitoring classifies such signs as nominal owners, the registration of a beneficiary in an offshore jurisdiction, the absence of physical offices or warehouses, a minimal workforce, and frequent changes in management.

For such high-risk companies, transfer limits will also be reduced in two stages: from 1 September, the upper limit will be 5 million UAH per month, and from 1 December it will be reduced to 2 million UAH. If the business is genuine and the company genuinely requires a higher turnover, the limit will be set at the level of confirmed financial capacity.

Why are banks introducing new transfer limits?

As explained by the NBU, these strict measures are a necessary response to the migration of fraudulent schemes. After Ukraine restricted P2P transfers between individuals’ cards, the organisers of ‘money mule’ schemes switched en masse to setting up fictitious sole traders and buying up old companies.

As the creation of a single state register of ‘drops’ at the legislative level has been delayed, the banking sector has decided to take pre-emptive action. The updated memorandum has already been endorsed by 25 of the market’s largest players, including PrivatBank, PUMB, Ukrsibbank and Ukreximbank, and most of the country’s financial institutions plan to join by autumn.

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