New money transfer rules from June 1: how to avoid account blocking.

New financial transaction monitoring rules: what has changed?

Starting June 1, 2025, Ukrainian banks will implement stricter rules for monitoring customers' financial transactions. The limit for low-risk and medium-risk clients will decrease from 150,000 UAH to 100,000 UAH per month.

According to

Marina Pavlenko, leading expert in financial monitoring at Globus Bank

What to do in case of blocking, and how to avoid it

'If you receive a message about blocking or cannot perform transactions on your account, it is necessary to contact the bank immediately - via the hotline, mobile app, or branch', - advises Marina Pavlenko. According to her, the bank may request documents confirming the origin of the funds and explanations regarding the nature of the transactions.

After providing all the necessary information, the account is usually unblocked. However, if the explanations are insufficient, the bank may refuse service, and the client will then have to independently transfer the funds to another bank.

Practical example

Marina Pavlenko provides an example from practice: 'A client wants to open an account without a personal income, but her husband will transfer money to her every month.

It is important to explain the purpose, provide documents confirming the husband’s income, and specify the amount of transfers. If the husband’s income is 40,000 UAH and the transfers are 10,000 UAH, the bank will not have any issues', - explains the expert.

Prospects for the future

Experts note that if effective mechanisms to combat so-called 'drops' are implemented, banks will be able to ease or lift limits. We are talking about mechanisms like automated income verification and the creation of a corresponding register.

So far, users of financial services should adhere to established restrictions and be ready to confirm the legality of their transactions. Account blocking is not a verdict but rather a signal for verification. The readiness to provide the necessary information and transparency in dealing with the bank will help avoid unpleasant situations in the future.