From October 1, banks will gain access to all transfers: new control rules.

According to inkorr.com: From October 1, 2025, new rules for card-to-card transfers will be implemented in Ukraine. From now on, banks will have full access to information about transactions between individuals. If within a month you transfer or receive more than 30,000 hryvnias, such operations may be subject to additional control, and you may be asked for explanations or documents. This was reported by the rector of the International Institute of Business

Olexandr Savchenko

What amount of transfers is safe for Financial Monitoring

These changes are aimed at to combat crime, money laundering, and terrorist financing, especially in wartime conditions. Now banks will not only monitor the amounts of transfers but also their nature, capturing the entire chain of transactions – from the payer to the recipient, even if the money passes through several persons or is withdrawn outside the country.

According to

Olexandr Savchenko

Will this affect cash assistance to pensioners

The expert provides an example: ordinary transfers, such as assistance to relatives or salary, will not raise suspicion. However, atypical ones, for example, a sudden large payment, may become the subject of attention.

'For example, you are a pensioner, receiving a pension and perhaps relatives are transferring you 1,000 hryvnias. But suddenly you received 200,000. This is already a suspicious operation, the bank needs to understand why you received such money'

Banks will pay particularly close attention to so-called 'red flags', including mass payments to pensioners, which often fall into fraudulent schemes.

Threshold values for card-to-card transfers

Lawyer Bohdan Yankiv notes that control depends on the volumes of transfers. Here are the main thresholds:

• From 30 to 400 thousand hryvnias per month: a check may be conducted if transactions are atypical (for example, an unusual nature of payments).
• Over 400 thousand hryvnias: mandatory financial monitoring with a requirement for documents confirming the source of funds.

  'The client is required to provide documents confirming the legality of the source of funds'

  , emphasizes Yankiv. Without this, the account may be blocked.

These rules are part of an update to legislation aimed at preventing the legalization of income derived from criminal activities. Previously, monitoring focused on large business accounts, but now its scope is expanding to ordinary Ukrainians, which will help close gaps in the fight against 'gray' schemes. According to the NBU, in 2024, more than 5,000 suspicious transactions totaling 2 billion hryvnias related to fake companies were detected.