From June 1, 2025, updated restrictions on card transfers will come into effect in Ukraine.
Without official confirmation of their income, citizens will be able to transfer no more than 100 thousand hryvnias per month.
How to increase the allowed transfer limit
For those who need to make larger transfers, banks recommend taking care of income confirmation in advance. Anna Dovgalska, Deputy Chairman of the Board of Globus Bank, noted that clients can increase their limit by providing the following documents:
- OK-5 and OK-7 certificates from the Pension Fund of Ukraine.
- Tax return with officially declared income.
- Certificates of official salary payments.
- Documents confirming receipt of government benefits.
- Confirmation of official income of family members.
- Documents about volunteer activities or other legitimate sources of income.
Recommendations from banking experts
- Close unnecessary bank accounts and avoid opening new ones unnecessarily, which will allow you to control financial flows more effectively.
- Use automated payments to pay for utilities, electronic services, and regular payments through bank mobile applications.
- Make maximum use of digital services, including the "Diya" portal, the taxpayer's electronic account, and online services of banking institutions.
Reasons for introducing stricter restrictions
Starting from February 1, 2025, Ukraine has already had a monthly limit on card transfers of UAH 150. However, many citizens have found ways to circumvent these restrictions, including by opening accounts in multiple banks or using alternative transfers via IBAN.
In February 2025, due to these restrictions, the number of transfers temporarily decreased by 12%, and the total amount of funds transferred decreased by 18%. However, by the middle of the month, the situation stabilized.
Experts predict that after the introduction of new rules in June 2025, Ukrainians will quickly adapt to the new realities. Therefore, it is important to prepare the necessary documents in advance to avoid difficulties in conducting financial transactions.
