From 26 June 2026, the National Bank of Ukraine is introducing new requirements for topping up cards via self-service terminals, which will require transactions to be confirmed using a one-time code.
- From 26 June, topping up cards via terminals will require SMS confirmation.
- Users must enter a one-time code regardless of the payment amount.
- The payer’s full telephone number will be shown on the receipts.
- Exceptions will apply to taxes, utility bills and certain services.
- The NBU is tightening controls on anonymous financial transactions.
How the new verification system will work
From 26 June, when depositing cash via a payment terminal, users will be required to provide their mobile phone number. The system will then send a one-off confirmation code via SMS or an automated call. The transaction will only be completed once the code has been entered. If confirmation is not provided, the funds will not be credited and the transaction will be cancelled.
In addition, the payment receipt must now include the full telephone number of the person who made the payment.
Which payments will not require an SMS code?
The new rules do not apply to all types of payments. NBU provides for a number of exceptions that allow certain transactions to be carried out without additional authorisation. Without SMS confirmation, it will be possible to pay taxes and duties, settle utility bills, purchase transport tickets, top up transport cards, and top up a mobile phone by up to 500 hryvnias per month per number. Once the set limit for topping up mobile credit has been exceeded, confirmation via a code will become mandatory for such payments as well.
Why is the NBU introducing new requirements?
At the National Bank explain, that the changes are aimed at combating anonymous financial transactions and strengthening financial monitoring. Previously, users were able to deposit cash via terminals without having to provide proof of identity. This system created risks that the terminals might be used for dubious or non-transparent financial transactions. Now, every transaction will be linked to a specific telephone number. Banks and payment systems must retain information on the payer’s number, the authorisation code, and the date and time of the transaction.
What will change for users
For most people, the new rules will simply mean one extra step when topping up a card or making a payment via a terminal. At the same time, people who do not have access to a mobile phone or who use other people’s SIM cards will have to take the new requirements into account. In fact, from the end of June, it will no longer be possible to deposit cash anonymously via self-service terminals in Ukraine.
