Limit for private individuals transfers

Starting August 1, 2026, updated rules for limiting transfers from individuals’ accounts will take effect. These rules were approved on May 14, 2026, within the framework of the updated requirements of the Memorandum "On ensuring transparency of the payment services market functioning."

The Memorandum, which sets transfer limits for accounts of all client segments including individuals, was initiated by the regulator and adopted by the majority of banks in the country. It aims to reduce the shadow economy sector and counteract the use of “drops.”

Key points of the Memorandum are outlined on the NBU website.

Raiffeisen Bank, as a signatory and executor of the Memorandum, takes measures to properly verify clients and accordingly applies limits on transfers as prescribed by the Memorandum and current legislation.

The Bank reserves the right to introduce and adjust restrictions on transfer operations from all current and card accounts of a client opened with the Bank to any other counterparties’ accounts, considering the bank’s risk-oriented approach.

If the client does not provide documented proof of income, the Bank may set a limit from 50,000 to 100,000 UAH per month.

Important! Transfers between the same individual’s accounts opened in the same bank are not limited (including card-to-card and IBAN transfers).

Transfers for payment of taxes and fines to the State Treasury accounts and payment of utility services are also not limited.

What payments are subject to the limit?

• Payments in hryvnia and foreign currency to cards of other individuals made in MyRaif
• Payments in hryvnia and foreign currency to own cards opened in other banks made in MyRaif
• Payments to other banks’ cards via those banks’ mobile apps
• Payments to other banks’ cards using third-party payment services
• Transfers to individuals by IBAN
• From August 1, 2026, payments to sole proprietors and legal entities by IBAN.

To increase the set limits, you need to contact the Bank by any convenient method with a request to raise the limit, providing current information about your workplace and a document confirming your income. The limit will be set according to your monthly income.

How to update income information?
To update your income and workplace information, contact [email protected] (include your full name and tax ID in the email subject), visit a bank branch, or use the support chat in the MyRaif app for further assistance.
Provide one of the following income verification documents:

• Tax declaration;
• Single tax payer’s tax declaration (for sole proprietors);
• Tax office certificate of income and taxes paid;
• Certificate of salary, social benefits, or pension;
• OK-7 certificate (from the Diia app).
  This list can be expanded.

When sending documents by email, files must be in PDF format and certified with Diia/QES signature with the extension pdf.p7s. Signature instructions: https://raiffeisen.ua/storage/files/instruktsiia-kep.pdf.

We will verify your income and respond within one business day.

If you engage in volunteer activities, no transfer limits will be applied.

How to make a transfer exceeding the set limit?
To make a transfer above the set limit, contact [email protected] (include your full name and tax ID in the subject), visit a bank branch, or use the support chat in the MyRaif app for further instructions.
Provide one of the following documents confirming the source of funds:

• Sale of property (apartment, car, other movable or immovable property)
• Receipt of bonuses/awards/dividends
• Loans obtained from a bank
• Funds placed in accounts (current/card)/deposits/government bonds/demand accounts

How to confirm you are a volunteer?
To confirm your volunteer status, contact [email protected], visit a branch, or use the support chat in the MyRaif app for further instructions.
Provide at least two documents from the list:
— Certificate or registry extract confirming your registration as a volunteer;
— Official letter from a government agency or military unit regarding cooperation with you and ordering relevant goods or products;
— Official explanatory letter detailing volunteer activities (including main aid recipients, sponsors, methods of order procurement and product sourcing, supplier selection criteria, purchase timelines, with supporting documents);
— Links to open sources with photos or videos about volunteer activities (such as websites of foundations or organizations with joint projects, social media pages or group chats, etc.).

We will verify your activities and respond within 2 business days.