Reduzierung der Überweisungslimits: Wie können Ukrainer ihr Einkommen nachweisen?

Ab dem 1. Oktober 2024 führt die Ukraine neue Regeln ein, um Kartentransfers zwischen Privatpersonen zu begrenzen. Diese Neuerung zielt darauf ab, die Kontrolle über die Herkunft von Einkommen zu stärken, die Schattenwirtschaft und Steuerhinterziehung zu bekämpfen. Erfahren Sie, welche Änderungen die Ukrainer erwarten und wie Sie Ihr Einkommen richtig nachweisen können, um eine Sperrung von Geldern zu vermeiden

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Earlier, we reported that the largest Ukrainian banks signed a memorandum on ensuring transparency in the banking payment services market. This decision introduced new restrictions for card transfers, which are designed to increase the transparency of financial transactions and minimize the risks of illegal money trafficking.

In our previous article, we reported that the tax service gained access to the data of Ukrainians abroad based on the CRS standard.

Limits on transfers depending on the level of risk

Starting from February 1, 2025, the banking regulator has set a limit of UAH 150,000 per month for P2P transfers in the absence of documentary evidence of income. The restrictions also apply to IBAN transfers. From June 1, 2025, the limit will be UAH 100,000 per month.

This applies to medium and low-risk customers. For “high” risk customers, the limit is set at UAH 50,000 per month.

The “low” risk level is assigned to bank customers who do not violate any rules. If the bank suspects that the client may be involved in money laundering, he or she is assigned a “medium” or “high” risk level and reduced transfer limits.

Banks see the movement of all receipts on customer accounts, which allows them to determine risk levels. The limits do not apply to clients with confirmed sources of income, including salary clients and volunteers.

You can learn more about the details of the electronic hryvnia testing project in Ukraine here.

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Possible ways to confirm income

To confirm their income, Ukrainians need to have the following documents:

- Certificates OK5 and OK7;

- Tax return;

- Salary statements;

- Confirmation of enrollment from government agencies;

- Confirmed income of family members;

- Documents confirming volunteer activities.

If a person plans to exceed the monthly limit, he or she must provide the bank with documentary evidence. After that, the bank may cancel the limits completely or set them in an amount that corresponds to the client's financial capacity.

We remind you! Ukraine is successfully progressing in its European integration and is approaching accession to the Single Euro Payments Area (SEPA). Read more about what this will change and what strategic benefits the Ukrainian economy will receive from the simplification of financial transactions.

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