Oschadbank Can Seize Social Payments: How to Access Funds in 2025.

Ukrainian legislation allows the seizure of bank accounts with social payments in the state financial institution 'Oschadbank'. It is known what threats the blocking of funds poses and which amounts are allowed to be withdrawn in 2025.

Who is at Risk of Having Their Accounts Seized

If a citizen has accumulated debts, then based on a decision of a state or private executor, the accounts in the bank will be subject to seizure. This applies to all funds contained in the accounts, regardless of their intended purpose.

According to the rules, the collection of seized funds from targeted accounts, where social payments, pensions, salaries, or scholarships can be deposited, is prohibited. However, this rule does not work in the country. Because banks open standard current accounts for the crediting of social payments, the system may block them. That is, they are only conditionally called social, pension, etc.

Legislation allows the use of a certain amount of funds from such an account. Debtors can use money in an amount not exceeding two minimum wages. In 2025, this amounts to 16,000 UAH per month (the minimum wage is 8,000 UAH).

How to Access Seized Funds

The Ministry of Justice guarantees the protection of the rights of citizens who find themselves in such situations. It is important to know your rights and act according to the law.

To access the funds, a citizen must contact the executor, writing a request for determining the current account for cash operations. In particular, he needs to specify the account number and the bank.

According to the rules, from the time the request is received, the executor must make a decision within two working days and immediately send it to the bank.

There are also cases for lifting the seizure:

• The debtor paid the entire debt;
• It was established that the enforcement document is not subject to execution;
• The execution proceedings were completed;
• The corresponding enforcement document was returned to the court;
• There is a decision to cancel the measures securing the claim.

Earlier, we wrote about how Oschadbank clients can change the limit on money transfers from cards on their own. This concerns restrictions to protect clients' funds from fraudulent withdrawals.

We also reported that some refugees who are clients of Oschadbank encountered the problem of losing access to the application. The bank explained how to act in such a case.

Ukrainian legislation allows the seizure of bank accounts with social payments in the state financial institution 'Oschadbank'. This possibility applies to citizens in debt and provides for certain restrictions on the use of funds from seized accounts. The Ministry of Justice guarantees the protection of citizens' rights in these situations and indicates the procedures that will help obtain access to blocked funds.