Ukrainian banks and the National Bank of Ukraine (NBU) have introduced new monthly card-to-card transfer limits ranging from 50,000 to 100,000 UAH [1].

These restrictions aim to curb financial crimes by forcing a higher level of transparency regarding the origin of funds. By limiting peer-to-peer (P2P) transfers, the NBU intends to strengthen anti-fraud controls and ensure that large sums of money moving through the banking system are legitimate.

According to a TSN broadcast on May 20, 2026, the measures are part of a broader effort to verify the source of funds [3]. Andriy Dubas, President of the Ukrainian Bank Association, said these controls are necessary to align the national banking system with stricter transparency standards. The current limits are designed to flag unusual activity that may indicate money laundering or fraudulent schemes.

While the new limits were highlighted in recent reports, some constraints on transfers have been in place for over a year [2]. The current shift represents a more aggressive approach to monitoring P2P transactions across the country. Banks are now expected to conduct more rigorous checks on users who reach or exceed these monthly thresholds.

Users who cannot provide documentation for the origin of their funds risk having their accounts frozen. The NBU said that the primary goal is to increase payment transparency, and protect the financial system from illicit activity [3].

These changes apply to all banks operating throughout Ukraine [2]. The implementation of these limits follows a trend of increasing oversight in the digital payment sector to prevent the misuse of personal accounts for business or illegal purposes.

“New monthly card-to-card transfer limits range from 50,000 to 100,000 UAH.”

The tightening of P2P transfer limits indicates a strategic shift by the National Bank of Ukraine to move away from unregulated digital transfers toward a more documented financial environment. By capping monthly transfers and requiring proof of funds, the NBU is effectively narrowing the window for 'grey' economy transactions and shadow employment, potentially forcing more commercial activity into formal, taxable business channels.