AUB partners news

Card restrictions introduced to prevent abuse and illegal activities through the P2P transfer mechanism are still in effect in end-user commercial banks. And from June 1, 2025, new rules for card transfers will come into force: the limit for medium and low-risk clients will be reduced from UAH 150,000 / month to UAH 100,000 / month, while for high-risk clients it remains at UAH 50,000 / month.

Currently, the state bank applies restrictive measures in case of atypical activity on a card account or exceeding the transfer limit. First of all, the bank can block an account that it considers suspicious.

Maryna Pavlenko, a leading expert in financial monitoring at GLOBUS BANK, explained in detail the mechanism for unblocking an account, and also provided some tips on how to avoid unwanted card blocking.

If a client receives a notification about blocking an account or cannot make any transactions (for example, pay for purchases in a store), she will not be overjoyed and will now contact the bank through any available communication channel.

"After the application, the bank may ask the client to provide documents confirming income or explanations regarding the card. It is important that the client understands such requirements," the banker noted.

In some cases, after providing explanations and documents, the client's access to the account is restored. If the information provided is insufficient or does not explain the essence of the transactions, the client is likely to change to another banking institution.

"In this case, the client himself initiates the transfer of available funds from the account," the specialist emphasized.

The bank also has the right to terminate business relations with the client on its own initiative and close the account (in accordance with Article 15 of the Law of Ukraine “On Prevention and Counteraction to the Legalization (Laundering) of Proceeds of Crime, Financing of Terrorism and Financing of the Proliferation of Weapons of Mass Destruction”). In such a case, the bank shall notify the State Financial Monitoring Service of Ukraine.

If the account is closed on the initiative of the bank, the client must provide the details of another account in any bank to transfer the remaining funds. It should be noted that the bank may charge an additional commission - its amount is established by each bank separately. Information about this is published in advance on the official websites of banks in order to avoid misunderstandings.

"Commercial banks are interested in ensuring that their clients are as informed as possible — "armed" with knowledge on how to avoid account blocking. In addition, there is a "Know Your Client" strategy, which makes it possible in atypical situations — for example, strong card activity that does not correspond to confirmed income — to contact the client for clarification. I want to emphasize: banks are not interested in losing clients. They are not punitive bodies. Our task is to help, advise, and provide the full range of possible services. But, of course, we are talking about conscientious clients who do not violate the law," emphasized Maryna Pavlenko.

Tips on how to avoid blocking your card account:

• Read the terms and conditions of the account/card and the tariffs specified in the contract.
• Check the limits and legal restrictions on the bank's website to avoid being subject to transfer restrictions.
• When opening an account, it is important to indicate the purpose of establishing a business relationship with the bank, provide a list of planned transactions, as well as information about the services you need. It is extremely important to be honest about the amount of income and the maximum expected amount of receipts to the account per month.
  
  

“The more truthful the account is used, the less likely it is to be blocked,” the banker emphasizes.

• At the stage of opening an account, the bank specialist may have additional questions. It is important to add comprehensive answers, and if necessary, additional documents or explanations.

“A typical situation is a client who wants to open an account without having her own income, but her husband plans to transfer expenses to her account every month. In this case, it is necessary to explain the purpose of opening the account, attach confirmed documents, and indicate the number of monthly transfers compared to the husband’s income. If, for example, a person’s official income is 40 thousand UAH, and the transfer to his wife’s house is 10 thousand UAH, this does not increase the difficulties in opening an account,” the expert explains.

• Do not use cards for illegal transactions or for codes that do not correspond to the essence of the transactions (mis-coding). Do not participate in dubious schemes (drop transactions, etc.).

"Sometimes there are situations when the account is completely blocked. In such a case, it is worth contacting the bank - this will usually solve the problem. The bank is always ready to provide advice. In 90% of such contacts, the partner's approach is quick enough to resolve the issue with minimal losses," Maryna Pavlenko concluded.

Reference from the Center for Economic Research and Forecasting “Financial Pulse”

According to the State Financial Monitoring Service of Ukraine, in 2024 the State Financial Monitoring Service of Ukraine received and processed 1.75 million reports on financial transactions (compared to 1.42 million in 2023).

In the first quarter of 2025, the number of reports amounted to 448,075 and was increased by 18.35% compared to the first quarter of 2024. The bulk of the reports were received from banks - 99.49% of the total. The share of reports from non-bank financial institutions was 0.51% (compared to 0.48% according to the results of the first quarter of 2024).

The main receipt of reports was on threshold financial transactions (77.81% of the total) and on suspicious financial transactions (22.03%).

Threshold financial transactions are transactions that have the characteristics stipulated by regulatory acts on financial monitoring and are equal to or exceed the threshold of UAH 400 thousand (for business entities that provide lottery and/or gambling, the threshold is UAH 55 thousand).

Suspicious financial transactions are transactions that have characteristics that are specified in the regulatory acts and internal regulatory documents of financial institutions in terms of verifiability.

On May 23, the 17th PEOPLE MANAGEMENT CONFERENCE will take place in Kyiv — a strategic meeting of CEOs, HR directors, and division heads who will honestly talk about what the growth of companies in the new reality really depends on.
last year, PEOPLE MANAGEMENT CONFERENCE celebrated its 10th anniversary. But we are not about celebrating or nostalgia for stability. We are about rethinking.
About guidelines that help make decisions in conditions of instability, when teams are tired, competencies are outdated, and in the new one — personnel Tetris.

THE ASSOCIATION OF UKRAINIAN BANKS IS THE INFORMATION PARTNER OF THE EVENT

The focus of the conference is people as a strategy. And this is not a metaphor. The program includes topics that concern everyone who works with teams:

• A new competency map: what is critically important to know and be able to do today
• Where is the line between trust and naivety in the relationship between CEO and HRD?
• How are employee expectations changing and what does this mean for the employer brand?
• How to “hire” artificial intelligence and not destroy live team dynamics?
• How to launch business changes by changing the mindset of managers? How can managers realize and feel that changing the mindset is already in the process?
• How do you understand what really motivates people in a team and drives the internal engines of employees?
  

And also - 20 awkward HR questions that you have long liked, but were ashamed to ask. And a practical ANTI-training on useful conflicts in a team.

20+ top speakers shaping a new logic of team management, including:

Ella Libanova, Director of the Institute of Demography and Social Research Academician of the National Academy of Sciences of Ukraine, Doctor of Economics
Olga Gorbanovska, Executive Partner, Head of the People Advisory Services practice at EY in Ukraine Roman Bondar, Managing Director of the consulting company Korn Ferry Renata Delporte, Senior Vice President of Global HR Business Partner SoftServe Maryna Holovko, HRD robota.ua Anastasia Gromova, Director of the Department of Strategy and Methodology of Human Resources Management Yevgenia Kuzminska, HR Director of OKKO Iryna Hnutova, HRD Comfy Dmitry Kozlov, Member of the Board of Public Broadcasting, Responsible for Human Resources Management Olga Prokhorenko, HR Mentor, Researcher, Consultant Lyubov Ukrainets, HRD “Cilpo” and Logistics Fozzy Group Olena Zhyltsova, Founder of the "School of Management Thought" Nadiya Sirenko, Director of Human Resources Management at Vodafone Yevgenia Blyznyuk, Founder and Director of Gradus Oksana Smilka, COO at Scalr, Coach of PCC ICF and the international community CoachHub. 18 years of experience in People and Operational Management Olena Platova, psychotherapist, psychoanalyst, expert in crisis psychotherapy

Коли: 23 травня (п'ятниця) Де: Київ, офлайн і онлайн Детальніше про подію та квітки

Організатор конференції - KA Group , провідний продюсер бізнес-форумів нового покоління в Україні. Партнери — robota . ua , МХП, І ГО . Зверніться до персонального менеджера для замовлення квітів або корпоративних пропозицій: +3 8063 311 58 41, This email address is being protected from spambots. You need JavaScript enabled to view it.

PRAVEX BANK has updated the terms of the European personal loan: clients can receive up to 1 million hryvnias with an attractive annual interest rate of 21.99% without collateral. The loan is provided for a period of up to 5 years, the bank's press service reports.

The European personal loan from PRAVEX BANK remains one of the most profitable products on the market. The updated terms allow clients to solve a variety of financial needs - from large purchases to urgent expenses.

Main advantages of the European personal loan from PRAVEX BANK:

Loan amount: from 50,000 to 1 million UAH

Rate: from 21.99% (real annual rate - from 37.29%)

Without collateral, for any consumer purposes

Loan term: up to 5 years

"Loaning can be an effective financial instrument for achieving goals - from large purchases to covering urgent expenses. The main thing is to choose not only favorable conditions, but also a reliable bank with an impeccable reputation," says Oleg Zayats, Head of the Retail Department of the Main Business Department of PRAVEX BANK.

PRAVEX BANK is part of the leading European financial group Intesa Sanpaolo, which guarantees stability and reliability.

More about the European personal loan.