New Financial Restrictions on Businesses and Self-Employed in Ukraine Starting September 2026

[60300] New Financial Restrictions on Businesses and Self-Employed in Ukraine Starting September 2026

Banks in Ukraine are tightening oversight of money transfers for the self-employed and companies, imposing new monthly limits on new and dormant accounts.

Tightening Oversight: New Restrictions on Business Activity in Ukraine

Starting September 2026, a significant change is expected in the Ukrainian financial system, as 25 banks and financial companies have signed a memorandum to impose restrictions on money transfers. According to Lachen writes, the measures will focus on new small business owners (FOP) or those whose accounts have been "dormant" for a long time, as well as companies with a high-risk profile. The stated goal is to reduce "shadow" activity in the cash market.

Details of Restrictions and Phases

The restrictions will be imposed in two main phases to limit monthly transfer volumes, as reported by EP. Economic Chronicles of War:

• First Phase (September–December 2026): Self-employed individuals in Group 1 will be limited to 600,000 hryvnias per month, Groups 2-3 to 3 million hryvnias, and companies to 5 million hryvnias.


• Second Phase (December onwards): Significant tightening – a limit of 400,000 hryvnias for Group 1, 1 million hryvnias for Groups 2-3, and 2 million hryvnias for companies.

Sources in Telegraf, cited by several channels including Real War, note that banks will begin exchanging information about "suspicious clients" independently, without uniform criteria from the state. Business Censor emphasizes that this is an expansion of an oversight mechanism that began back in 2025 for private accounts.

Controversy Surrounding Political Transparency

Alongside the tightening on the business sector, criticism is emerging from the other side of the political spectrum. According to Ukraine Online, a bill is being promoted in the Ukrainian Parliament (the Rada) that would seek to limit the authority of banks to perform automatic monitoring of financial transactions of "Politically Exposed Persons" (PEPs). The initiative proposes moving from complete automatic monitoring to monitoring based solely on "risk indicators," a move that raises concerns among opposition figures and critics regarding potential "laundering of large sums" without tight oversight.