{"id":1567,"date":"2025-10-04T09:57:27","date_gmt":"2025-10-04T06:57:27","guid":{"rendered":"https:\/\/ukrmedia.news\/?p=1567"},"modified":"2025-10-04T09:57:27","modified_gmt":"2025-10-04T06:57:27","slug":"in-ukraine-the-state-budget-has-been-increasing-since-october","status":"publish","type":"post","link":"https:\/\/ukrmedia.news\/en\/main-news\/in-ukraine-the-state-budget-has-been-increasing-since-october\/","title":{"rendered":"State control over bank transfers of citizens increases in Ukraine from October"},"content":{"rendered":"<p data-start=\"71\" data-end=\"315\"><strong data-start=\"71\" data-end=\"159\">The government and financial regulators have announced that they will be stepping up monitoring of non-cash transactions.<\/strong> The new approaches are aimed at combating fraud, money laundering and terrorist financing, as well as better analysing risky transactions in wartime.<\/p>\n<h2 data-start=\"317\" data-end=\"333\">What is changing<\/h2>\n<ul data-start=\"335\" data-end=\"1099\">\n<li data-start=\"335\" data-end=\"590\">\n<p data-start=\"337\" data-end=\"590\"><strong data-start=\"337\" data-end=\"409\">The range of transactions subject to automatic monitoring is expanding.<\/strong> Banks and payment services receive updated scenarios for detecting suspicious transactions - serial transfers to linked accounts, splitting of amounts, atypical activity at night, etc.<\/p>\n<\/li>\n<li data-start=\"591\" data-end=\"760\">\n<p data-start=\"593\" data-end=\"760\"><strong data-start=\"593\" data-end=\"647\">Customer identification and verification are being strengthened.<\/strong> For certain transactions, banks may request additional data (source of funds, supporting documents).<\/p>\n<\/li>\n<li data-start=\"761\" data-end=\"977\">\n<p data-start=\"763\" data-end=\"977\"><strong data-start=\"763\" data-end=\"803\">Emphasis on a risk-based approach.<\/strong> Financial institutions will more often apply in-depth due diligence to customers and transactions with higher risk (large volumes, frequent international transfers, atypical schemes).<\/p>\n<\/li>\n<li data-start=\"978\" data-end=\"1099\">\n<p data-start=\"980\" data-end=\"1099\"><strong data-start=\"980\" data-end=\"1048\">Faster exchange of information between institutions and government agencies.<\/strong> This should reduce the response time to fraudulent activities.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1101\" data-end=\"1122\">Who it concerns<\/h2>\n<ul data-start=\"1124\" data-end=\"1395\">\n<li data-start=\"1124\" data-end=\"1206\">\n<p data-start=\"1126\" data-end=\"1206\">Individuals who regularly carry out large or unusual transactions.<\/p>\n<\/li>\n<li data-start=\"1207\" data-end=\"1300\">\n<p data-start=\"1209\" data-end=\"1300\">Individual entrepreneurs and companies with active settlements, cross-border payments, and cash handling.<\/p>\n<\/li>\n<li data-start=\"1301\" data-end=\"1395\">\n<p data-start=\"1303\" data-end=\"1395\">Payment services and banks - they are subject to additional internal control requirements.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1397\" data-end=\"1416\">It is important to understand<\/h2>\n<ul data-start=\"1418\" data-end=\"1797\">\n<li data-start=\"1418\" data-end=\"1615\">\n<p data-start=\"1420\" data-end=\"1615\"><strong data-start=\"1420\" data-end=\"1492\">Everyday payments of citizens within the usual amounts will not be blocked.<\/strong> Monitoring is risk-based: attention is paid to transactions that deviate from the client's \u00abprofile\u00bb or have signs of a scheme.<\/p>\n<\/li>\n<li data-start=\"1616\" data-end=\"1797\">\n<p data-start=\"1618\" data-end=\"1797\"><strong data-start=\"1618\" data-end=\"1662\">Requests from the bank are a standard procedure.<\/strong> If an institution asks for confirmation of the source of funds or the purpose of the payment, this is not a violation, but rather part of the updated compliance rules.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"1799\" data-end=\"1820\">What clients should do<\/h2>\n<ul data-start=\"1822\" data-end=\"2241\">\n<li data-start=\"1822\" data-end=\"1952\">\n<p data-start=\"1824\" data-end=\"1952\"><strong data-start=\"1824\" data-end=\"1864\">Plan large payments in advance<\/strong> and have the supporting documents (contract, invoice, invoice, income statement) at hand.<\/p>\n<\/li>\n<li data-start=\"1953\" data-end=\"2065\">\n<p data-start=\"1955\" data-end=\"2065\"><strong data-start=\"1955\" data-end=\"1982\">Do not deliberately split amounts<\/strong> and not to use \u00abchains\u00bb of accounts - this only attracts the attention of the monitoring authorities.<\/p>\n<\/li>\n<li data-start=\"2066\" data-end=\"2160\">\n<p data-start=\"2068\" data-end=\"2160\"><strong data-start=\"2068\" data-end=\"2092\">Update data in the bank<\/strong> (contacts, KVED for individual entrepreneurs, information about beneficiaries for legal entities).<\/p>\n<\/li>\n<li data-start=\"2161\" data-end=\"2241\">\n<p data-start=\"2163\" data-end=\"2241\"><strong data-start=\"2163\" data-end=\"2197\">Check the purpose of the payment<\/strong> - clearly and correctly indicate the purpose of the transaction.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"2243\" data-end=\"2268\">Why it is being implemented<\/h2>\n<ul data-start=\"2270\" data-end=\"2486\">\n<li data-start=\"2270\" data-end=\"2348\">\n<p data-start=\"2272\" data-end=\"2348\">Increased number of cybercrimes and money laundering schemes in wartime.<\/p>\n<\/li>\n<li data-start=\"2349\" data-end=\"2433\">\n<p data-start=\"2351\" data-end=\"2433\">The need to comply with European financial monitoring standards and FATF requirements.<\/p>\n<\/li>\n<li data-start=\"2434\" data-end=\"2486\">\n<p data-start=\"2436\" data-end=\"2486\">Customer protection and financial system stability.<\/p>\n<\/li>\n<\/ul>\n<h2 data-start=\"2488\" data-end=\"2502\">Perspective<\/h2>\n<p data-start=\"2504\" data-end=\"2773\">Banks forecast <strong data-start=\"2522\" data-end=\"2570\">short-term increase in the number of clarifications<\/strong> for certain payments, but once the models are \u00abtrained\u00bb and customers get used to the procedures, the process should stabilise. Regulators expect <strong data-start=\"2702\" data-end=\"2736\">Reducing fraudulent transactions<\/strong> and increasing the transparency of settlements.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u0423\u0440\u044f\u0434 \u0456 \u0444\u0456\u043d\u0430\u043d\u0441\u043e\u0432\u0456 \u0440\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u0438 \u0430\u043d\u043e\u043d\u0441\u0443\u0432\u0430\u043b\u0438 \u043f\u043e\u0441\u0438\u043b\u0435\u043d\u043d\u044f \u043c\u043e\u043d\u0456\u0442\u043e\u0440\u0438\u043d\u0433\u0443 \u0431\u0435\u0437\u0433\u043e\u0442\u0456\u0432\u043a\u043e\u0432\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u0439. \u041d\u043e\u0432\u0456 \u043f\u0456\u0434\u0445\u043e\u0434\u0438 \u043c\u0430\u044e\u0442\u044c \u043d\u0430 \u043c\u0435\u0442\u0456 \u043f\u0440\u043e\u0442\u0438\u0434\u0456\u044e \u0448\u0430\u0445\u0440\u0430\u0439\u0441\u0442\u0432\u0443, \u0432\u0456\u0434\u043c\u0438\u0432\u0430\u043d\u043d\u044e \u043a\u043e\u0448\u0442\u0456\u0432 \u0442\u0430 \u0444\u0456\u043d\u0430\u043d\u0441\u0443\u0432\u0430\u043d\u043d\u044e \u0442\u0435\u0440\u043e\u0440\u0438\u0437\u043c\u0443, \u0430 \u0442\u0430\u043a\u043e\u0436 \u043a\u0440\u0430\u0449\u0443 \u0430\u043d\u0430\u043b\u0456\u0442\u0438\u043a\u0443 \u0440\u0438\u0437\u0438\u043a\u043e\u0432\u0438\u0445 \u0442\u0440\u0430\u043d\u0437\u0430\u043a\u0446\u0456\u0439 \u0443 \u0432\u043e\u0454\u043d\u043d\u0438\u0445 \u0443\u043c\u043e\u0432\u0430\u0445. \u0429\u043e \u0437\u043c\u0456\u043d\u044e\u0454\u0442\u044c\u0441\u044f \u0420\u043e\u0437\u0448\u0438\u0440\u044e\u0454\u0442\u044c\u0441\u044f \u043a\u043e\u043b\u043e \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u0439, \u0449\u043e \u043f\u0456\u0434\u043b\u044f\u0433\u0430\u044e\u0442\u044c \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u043d\u043e\u043c\u0443 \u043c\u043e\u043d\u0456\u0442\u043e\u0440\u0438\u043d\u0433\u0443. \u0411\u0430\u043d\u043a\u0438 \u0442\u0430 \u043f\u043b\u0430\u0442\u0456\u0436\u043d\u0456 \u0441\u0435\u0440\u0432\u0456\u0441\u0438 \u043e\u0442\u0440\u0438\u043c\u0443\u044e\u0442\u044c \u043e\u043d\u043e\u0432\u043b\u0435\u043d\u0456 \u0441\u0446\u0435\u043d\u0430\u0440\u0456\u0457 \u0432\u0438\u044f\u0432\u043b\u0435\u043d\u043d\u044f \u043f\u0456\u0434\u043e\u0437\u0440\u0456\u043b\u0438\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0456\u0439 \u2014 \u0441\u0435\u0440\u0456\u0439\u043d\u0456 \u043f\u0435\u0440\u0435\u043a\u0430\u0437\u0438 \u043d\u0430 \u043f\u043e\u0432\u2019\u044f\u0437\u0430\u043d\u0456 \u0440\u0430\u0445\u0443\u043d\u043a\u0438, [\u2026]<\/p>\n","protected":false},"author":207433351,"featured_media":1568,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"rank_math_title":"","rank_math_description":"","rank_math_focus_keyword":"","td_subtitle":"","subtitle":"","footnotes":""},"categories":[805616],"tags":[],"class_list":{"0":"post-1567","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-main-news"},"_links":{"self":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts\/1567","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/users\/207433351"}],"replies":[{"embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/comments?post=1567"}],"version-history":[{"count":1,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts\/1567\/revisions"}],"predecessor-version":[{"id":1569,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/posts\/1567\/revisions\/1569"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/media\/1568"}],"wp:attachment":[{"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/media?parent=1567"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/categories?post=1567"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ukrmedia.news\/en\/wp-json\/wp\/v2\/tags?post=1567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}