Banks will strengthen control over new and "dormant" FOPs: the details have become known

Starting from August 14, 2026, banks will strengthen control over the operations of newly created and long-term inactive sole proprietorships and legal entities, which financial institutions will assign to a higher risk category. For such clients, monthly transfer limits are introduced, and operations that do not correspond to the nature of the business may become grounds for additional verification.

The new rules do not mean an automatic restriction for all entrepreneurs. Banks will apply risk-oriented approach, to detect "droppers", shell businesses, shell companies and accounts used primarily for transit of funds.

Who will be checked first

Enhanced control will apply primarily newly created and inactive FOPs, which resume operations after a long break. Individual legal entities that have characteristics of so-called shell companies may also come into consideration.

For the bank, it is important not only that the entrepreneur is officially registered and pays taxes. The financial institution will analyze, whether the movement of funds corresponds to the real nature of the activity.

For example, if a newly created FOP with no prior work history receives significant sums and then almost immediately transfers them to other individuals or companies, this behavior may be grounds for additional financial monitoring.

What limits have been in effect since August 14

For new and inactive FOPs, which the bank will determine as high-risk clients, the following transfer guidelines have been established since August 14:

• - FOP of the 1st group — up to UAH 600,000 per month;

• - FOP II and III groups — up to UAH 3 million per month.

These indicators are the first stage of new restrictions. They do not mean that each FOP of the relevant group will automatically receive such a limit. It is about customers who fall under certain risk criteria.

From November, the limits will be lower

WITH November 14, 2026 further tightening of restrictions is foreseen.

For FOP I group, the limit will decrease to UAH 400,000 per month, and for entrepreneurs of the II and III groups - up to UAH 1 million per month.

Limitations are also provided for individual legal entities with features of shell companies: at the first stage - up to UAH 5 million per month, and from November to 2 million hryvnias.

Does this mean a ban on transferring more

No. The established amounts are not a legal ban on conducting transactions above the limit.

If the entrepreneur needs to make a transfer that exceeds the established benchmark, the bank can make it in-depth verification of the operation and request documents that confirm its economic content and the origin of the funds.

Therefore, for a transparent business, the key is not the amount of turnover itself, but the ability to explain to the bank, where the funds came from and what they are used for.

What documents can the bank ask for?

In case of additional verification, the entrepreneur may need documents confirming real economic activity.

In particular, the bank can pay attention to:

• - contracts with counterparties;

• - invoices and acts of completed works;

• - tax reporting;

• - documents regarding employees;

• - lease agreements;

• - documents on the purchase or sale of goods;

• - documents related to delivery and logistics.

This approach allows the bank to match the declared type of activity with the actual movement of funds.

Special attention is paid to "sleeping" FOPs

A separate risk for banks is entrepreneurs who practically did not use the account for a long time, and then suddenly began to transfer large amounts through it.

For example, a FOP may not have a significant turnover for several months, and after resuming operations, receive millions of hryvnias and within a short time transfer most of the funds further.

Such changes in the client's behavior can attract the attention of financial monitoring.

Why banks are changing their approach

The update of the rules is primarily related to the fight against the use of accounts of FOPs and companies in shadow schemes. Banks try to detect situations when the entrepreneur's account is actually used not for running a business, but for transit of funds or carrying out operations on behalf of other persons.

Thus, control is gradually moving from a simple analysis of a single payment transaction to an assessment all financial behavior of the client.

What does this mean for business as usual?

For entrepreneurs who have a real business, regular activities and documents for basic transactions, the new rules do not mean automatic blocking of accounts or bans on large payments.

At the same time, FPOs should be ready to confirm the economic content of large operations. The stronger the turnover differs from the usual scale of activity, the more questions the bank may have.

In fact, the new rules encourage entrepreneurs to conduct their activities in such a way that the flow of funds in the account corresponds to their real business, declared in the KVEDs, income and documents.