Strict Cash Withdrawal Limits Extended for Ukrainian Cardholders

Cash Withdrawal Restrictions in Ukraine

According to Главком: Starting July 1, 2026, Ukraine will maintain its existing caps on cash withdrawals from bank cards. These limits apply to both domestic and international transactions, with specific thresholds set for the country's largest financial institutions: PrivatBank, Oschadbank, Monobank, and Sense Bank.

Withdrawal Limits at a Glance

Within Ukraine, the daily cash withdrawal cap is set at 100,000 UAH. Notably, there are no restrictions on non-cash transactions in hryvnia domestically. For hryvnia-denominated cards used abroad, the weekly cash withdrawal limit is 12,500 UAH, while monthly non-cash spending is capped at 100,000 UAH. Foreign-currency cards used overseas allow cash withdrawals of up to 100,000 UAH per day. Additionally, purchases of watches, jewelry, coins, and stamps are limited to 100,000 UAH per month, and real estate transactions to 500,000 UAH per month. Other foreign-currency card transactions abroad remain unrestricted.

• PrivatBank imposes a 40,000 UAH limit per three-hour period, with a daily maximum of 100,000 UAH.
• High-risk clients face a tighter 20,000 UAH cap per three-hour window.
• Cardholders from other banks can withdraw up to 20,000 UAH per single transaction.
• Oschadbank sets a general daily limit of 100,000 UAH, but standard mass-market cards are restricted to 10,000 UAH per day.
• No more than 25,000 UAH can be withdrawn from a single ATM within three hours.
• Monobank allows up to 100,000 UAH per day per card (both black and white tiers).
• Fee-free cash withdrawals are available at the teller counters of Universal Bank, A-Bank, and Ukrgasbank.
• Sense Bank permits a maximum daily withdrawal of 100,000 UAH.

The National Bank of Ukraine has also approved updated regulations for the insurance sector and decided to facilitate the exchange of non-cash foreign currency from banks into cash.

These cash withdrawal restrictions are part of the National Bank of Ukraine's broader strategy to stabilize the country's financial system and mitigate capital flight risks. At the same time, by keeping non-cash payments unrestricted, the regulator encourages a shift toward digital payment methods-aligning with global trends. This approach aims to strike a balance between controlling financial flows and fostering the growth of modern financial technologies in Ukraine.

As Ukraine continues to navigate the financial landscape, the recent decision to extend cash withdrawal limits highlights ongoing challenges faced by consumers. For those interested in understanding the full scope of these restrictions, a look at the recent changes implemented by Ukrainian banks, which significantly reduced cash withdrawal allowances starting June 1, provides essential context. You can read more about these adjustments here.