All Ukrainian Banks to Join Automated Debt Enforcement System by October 23, 2026

Automated Enforcement System to Transform Debt Recovery in Ukraine

According to ХВИЛЯ: The Ministry of Justice of Ukraine plans to integrate every bank in the country into the Automated Enforcement Proceeding System (AEPS) by October 2026. This initiative aims to streamline debt collection processes by automating the freezing of funds, seizure, and forced withdrawal from debtors' accounts. The system will also connect with non-bank payment providers and electronic wallet services, broadening its reach beyond traditional banking.

State-owned banks have already voluntarily joined the AEPS framework. Once fully operational, the system will enable authorities to:

• Locate debtor accounts;
• Verify account balances;
• Place and lift freezes on funds;
• Prepare documentation for compulsory fund withdrawal;
• Transfer collected funds to creditors.

The updated system is scheduled to launch on October 23, 2026. Fund collections will be carried out under enforcement proceedings authorized by both public and private bailiffs. It’s important to note that having an account does not automatically trigger fund seizure; the system digitizes the enforcement of court decisions. After debts are settled, AEPS will automatically remove account freezes and update the Unified Debtor Register accordingly. The new rules also include data sharing with non-bank payment providers and electronic money issuers.

Enhancing Transparency and Efficiency in Debt Collection

The automated freezing of debtor accounts is part of the state’s anti-corruption agenda and broader reforms aimed at improving judicial enforcement in Ukraine. This project is expected to make debt recovery faster, more transparent, and reduce corruption risks. Denis Maslov highlighted that

"state banks have voluntarily integrated into this system"

, underscoring growing institutional support.

Introducing the Automated Enforcement Proceeding System marks a significant advancement in Ukraine’s efforts to modernize debt recovery. By accelerating court decision execution and minimizing manual intervention, the system can improve the business environment and reduce the administrative burden on bailiffs. It also fosters clearer communication and cooperation among banks, enforcement officers, and debtors.