Financial monitoring of banks: what transfers may be checked in 2026

This was reported by News.LIVE.

Ukrainian banks have tightened financial monitoring of customer transactions in 2025 and plan to continue monitoring payments in 2026. Because of this, citizens are advised to be careful with their transactions, even if they involve small amounts.

According to Novosti.LIVE, financial institutions analyse not only individual transactions of individuals, entrepreneurs or companies. Banks also assess the entire chain of interactions between customers and their relatives, friends, partners, clients and counterparties.

In his blog, lawyer Bohdan Yankiv listed six typical situations that could trigger financial monitoring.

These include a large number of P2P transfers between individuals, a sharp increase in turnover in a short period of time, receiving payments from casinos and gambling, and participation in public procurement and tenders.

Transactions with cryptocurrency through P2P platforms and activities without a transparent business chain may also be subject to verification.

Igor Yasko, managing partner of the Winner Law Firm, told Telegraf that banks can block or forcibly close accounts for various reasons. One of them is the client's refusal to provide a full set of documents at the bank's request.

Other reasons include atypical financial transactions, such as large one-time deposits, the use of personal bank cards for business purposes, transfers to accounts in offshore zones, or transactions with high-risk counterparties.

"Such seemingly non-obvious aspects as abnormal transaction intensity are becoming increasingly popular today: usually caused by automated scripts or related to the work of an exchange office," said Igor Bykov.

Experts also draw attention to so-called threshold payments, exceeding which may attract the attention of the bank.

According to available information, the probability of verification is considered low for amounts up to UAH 30,000 per month. In the range from UAH 30,000 to UAH 400,000 per month, it is considered average.

If the amount exceeds UAH 400,000 per month, the probability of financial monitoring is considered high.

In this case, the bank may send the client a request to confirm the source of the funds and payment of taxes.

At the same time, the criteria for financial monitoring are not disclosed publicly. Banks do not disclose the details of the risk-based approach algorithms so that clients cannot circumvent the verification mechanisms.