New NBU Transfer Limits

Starting June 1, 2025, new limits will apply to card-to-card transfers in Ukraine. The maximum amount for such transactions per person without confirmed income will now be 100,000 UAH per month. It’s important to note that this is not a separate resolution or law by the National Bank of Ukraine (NBU), but rather the result of joint agreements between the regulator, leading banks, and financial associations, formalized in a Memorandum on Payment Market Transparency.

What changed?
Previously, there was a temporary limit of 150,000 UAH per month established by an NBU resolution, which expired on March 31, 2025. Now, banks are guided by the Memorandum — not a legal act, but supported by nearly all major market players.

The new 100,000 UAH limit applies to clients with low and medium risk levels who have not submitted official income confirmation. For high-risk clients, the limit is even lower — 50,000 UAH/month. If you submit income documents, your bank can set an individual limit based on your actual earnings.

Who will be affected?
According to banks, the majority of Ukrainians won’t be significantly impacted, as 98% of clients don’t transfer such sums monthly. However, the changes may affect those who actively transfer funds between individuals — such as entrepreneurs, freelancers, and volunteers. For volunteers and clients with confirmed income, limits may be revised.

Why does it matter?
The main goal of the new rules is to make the payment market more transparent, fight tax evasion and money laundering. Banks now have more tools to monitor suspicious transactions, and clients have the opportunity to verify their income and receive higher limits.

What to do if you need a higher limit?
If you regularly send or receive large amounts, contact your bank and provide income documents. This allows your bank to increase your limit in line with your actual financial capacity.

Summary:
Starting June 1, 2025, the standard limit for card-to-card transfers will be 100,000 UAH/month. This is part of the NBU and banks’ broader effort to enhance transparency in financial transactions. If you need a higher limit — confirm your income with your bank.