Card-to-Card Transfer Caps Extended Until 2026: New Rules for Ukrainian Bank Customers.

Ukraine Introduces Stricter Limits on Money Transfers

According to Novyny.live: Starting now, new restrictions on card-to-card money transfers will be enforced in Ukraine, remaining in effect until June 2026. Under the updated regulations, by June 2026, monthly transfer limits will be set at up to 100,000 hryvnias for customers classified as medium-risk, and up to 50,000 hryvnias per month for those deemed high-risk. These measures were formalized in a memorandum signed at the end of 2024 by Ukraine's largest banks and financial companies, with the National Bank of Ukraine participating. The move aims to enhance financial oversight amid ongoing economic pressures.

Entrepreneurial Limits and Business Impact

For individual entrepreneurs (known as FOPs), restrictions will take effect from September 1, 2026. At that time, monthly transfer limits for FOPs in Group 1 will be capped at 600,000 hryvnias, while those in Groups 2 and 3 will face a limit of up to 3 million hryvnias per month. However, these caps will be reduced further starting December 1, 2026:

• For Group 1 FOPs, the limit drops to 400,000 hryvnias;
• For Groups 2 and 3 FOPs, the limit decreases to 1 million hryvnias per month.

Additionally, high-risk legal entities will see a monthly transfer limit of up to 5 million hryvnias from September 1, 2026. This ceiling will then be lowered to 2 million hryvnias as of December 1, 2026. These constraints are driven by the need to monitor financial transactions and reduce risks within Ukraine's banking sector.

The new transfer limits are part of broader efforts by the state and financial institutions to bolster stability in the banking system and prevent financial crimes. Given the economic instability and challenges stemming from the war, these measures could affect access to funds for both entrepreneurs and ordinary citizens, highlighting the importance of controlling financial flows. Over time, adapting to these conditions may require market participants to revise their financial strategies and business operations.