Starting October 1, 2025, new rules for transfers from card to card came into effect in Ukraine, granting banks full access to transaction information between individuals. If you send or receive more than 30,000 hryvnias in a month, such an operation may come under additional control, requiring explanations or documents. This was reported by Olexandr Savchenko, the rector of the International Institute of Business.
What amount can be transferred without consequences from Financial Monitoring
These changes are aimed at strengthening financial monitoring to combat fraud, money laundering, and financing of terrorism, including the war. Banks will now track not only the amounts but also the nature of payments, recording the entire chain of transfers – from the sender to the recipient, even if the funds move between several people or are withdrawn abroad.
According to the rector of the International Institute of Business, Olexandr Savchenko, the threshold of 30,000 hryvnias refers to the total amount of money sent or received within a month: "It concerns the total amount in a month of money that a person has sent to someone".
Will financial assistance to pensioner relatives be blocked?
The expert provides an example: typical transfers, such as assistance to relatives or salaries, will not attract attention, but atypical transactions – for example, a sudden large payment – will raise suspicion.
"For instance, you are a pensioner, receiving a pension, maybe your relatives transfer 1,000 hryvnias. And then suddenly you receive 200,000. Right away, that’s a suspicious operation, the bank has to understand why you received such money," explains Savchenko on the Kyiv24 broadcast.
Banks will focus on such "red flags" as mass payments to pensioners, which are often used in fraud schemes.
Threshold amounts for money transfers from card to card
Lawyer Bohdan Yankiv details the levels of control depending on the volumes. Here are the key thresholds:
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From 30,000 to 400,000 hryvnias per month: monitoring if transactions are atypical (for example, unusual payment patterns).
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Over 400,000 hryvnias: mandatory financial monitoring with a requirement for documents about the source of funds. "The client is obliged to provide documents that confirm the legality of the source of funds," Yankiv emphasizes. Without this, the account may be blocked.
These rules are based on updates to legislation aimed at preventing the legalization of proceeds obtained through criminal means. Previously, monitoring focused on large business accounts, but now it extends to ordinary Ukrainians to close gaps in the fight against "gray" schemes. According to the NBU, in 2024 more than 5,000 suspicious transactions amounting to 2 billion hryvnias related to fake firms were identified.
Earlier, we wrote about the main changes for Ukrainians in banks starting in October 2025.