How to send money to Ukraine in 2026: to a card and an account, in hryvnias and foreign currency
In 2026 incoming transfers to Ukraine are credited with no limit on the sum: from the EU, the US, Canada and Israel money arrives in 1-3 business days, faster to a card. Dollars and euros are kept in a foreign currency account without exchange. We cover transfers to a card, an account for a foreigner with 2 documents, tax on gifts to family and full deposit protection.
In short
- An incoming transfer to Ukraine is credited with no limit on the sum.
- For a transfer to a card, the 16-digit number and the holder's name are enough.
- A foreigner's account is opened with 2 documents: a passport with a translation and a tax number.
- A gift from first- and second-degree relatives who are Ukrainian residents is taxed at 0%.
In detail
In 2026 money can be sent to Ukraine from the European Union, the US, the United Kingdom, Canada, Israel, Moldova, Kazakhstan and most other countries: by bank transfer to an account or to a Ukrainian bank card. Incoming transfers are credited with no limit, and foreign currency is better kept in a foreign currency account without exchange.
| Route | On 8 October 2026 | Currency | Time | What to give |
|---|---|---|---|---|
| Bank transfer to an account | works | hryvnias, dollars, euros, pounds, zlotys | 1-3 business days | a 29-character account number, the name as in the passport, the bank code |
| Transfer to a card by number | works | hryvnias or the card currency | from minutes to 2 business days | the 16 card digits and the holder's name |
| Money transfer service | works | hryvnias, dollars, euros | from minutes to a day | the recipient's passport and the transfer number |
| Instant transfer within Ukraine | works since 1 December 2024 | hryvnias | up to 10 seconds, up to $2,300 (100,000 hryvnias) | the recipient's account number |
Dollars on this page are converted at the National Bank of Ukraine rate of 7 October 2026, 44.95 hryvnias per dollar, and rounded up. The table was checked on 8 October 2026.
Where transfers to Ukraine come from in 2026
From the European Union, the United Kingdom, Switzerland, the US, Canada, Israel, Moldova, Kazakhstan, Georgia and most other countries a transfer to Ukraine goes the usual way and is credited with no limit on the sum.
National Bank of Ukraine resolution No. 18 of 24 February 2022 concerns money leaving Ukraine for abroad. An incoming transfer to family, to your own account or in payment for services is credited by the bank as usual.
Dollars and euros are better sent to the recipient's foreign currency account: then the bank credits them without exchange, and the recipient decides when to change them into hryvnias.
Your bank does not see the recipient's Ukrainian bank in its list? Tell a manager which country you are sending from and how much: they will check your case and choose a working route.
A transfer to a card in Ukraine: what the sender needs
For a transfer to a Ukrainian bank card the sender needs only the 16 digits of the card number and the holder's name in Latin letters, as on the card.
Card transfer limits are set by the sender's bank and the card's payment system, not by Ukraine: usually a few thousand dollars at a time. If dollars arrive on a hryvnia card, the bank exchanges them at its own rate, so for foreign currency it is more convenient for the recipient to have a card linked to a foreign currency account.
A large sum, for example money to buy a flat or for medical treatment, is sent not to a card but to an account with full details: this makes it easier for the bank to check the payment purpose, and the money does not hit the card limit.
Within Ukraine, since 1 December 2024 instant transfers of up to $2,300 (100,000 hryvnias) have worked, arriving in 10 seconds at any time of day.
A transfer to a foreigner in Ukraine: a tax number and a passport translation
For an account at a Ukrainian bank a foreigner needs 2 documents: a passport with a notarised translation into Ukrainian and a Ukrainian tax number, and the account itself is opened free of charge in 1-3 days.
The tax number is issued free of charge by the State Tax Service of Ukraine: in person, by power of attorney through a representative or through a Ukrainian consulate abroad. The name in the number, in the passport translation and in the future transfer must match to the letter, otherwise the bank will hold the credit until it is clarified.
Since 2024 Ukrainian banks have automatically exchanged data on foreigners' accounts with the tax services of other countries, so a tax residency form is filled in when opening an account.
Sending money before you move? A manager will tell you how to get a tax number through a representative.
Tax on a transfer to Ukraine: when money to family is not taxed
A cash gift from first- and second-degree relatives who remain Ukrainian tax residents is taxed at 0% under article 174 of the Tax Code of Ukraine.
The first degree covers parents, children and a spouse; the second, brothers, sisters, grandparents and grandchildren. If the donor has already become a Ukrainian tax non-resident, a cash gift is taxed at 18% plus a 5% military levy, and the recipient files a return by 1 May of the following year.
Your own money transferred from your own account abroad to your own account in Ukraine is not income. Interest on a deposit at a Ukrainian bank is taxed at 23%: 18% tax and a 5% military levy, withheld by the bank itself.
Whether there will be tax on your transfer to family depends on the sender's residency: a manager will check your case. The rates are on the taxes in Ukraine page.
A deposit in a Ukrainian bank: protection during martial law
For the period of martial law and 3 months after it ends, individuals' deposits in Ukrainian banks are guaranteed at 100% under the law of 1 April 2022.
The guarantee is paid by the Deposit Guarantee Fund, and it covers hryvnias and foreign currency, including foreigners' accounts. After this period ends, the guarantee will be $14,000 (600,000 hryvnias) per depositor in one bank.
The recipient withdraws and transfers money from the account within the country at any time, and keeps foreign currency without exchange.
We will help you send money to Ukraine
Money is lost on exchange and delays: dollars go to a hryvnia card and are exchanged at the bank's rate, a gift from a relative abroad is not declared in the tax return, the name in the transfer does not match the passport, a large sum arrives without source-of-funds documents. We will help you avoid this: we choose a transfer route from your country, help you get a tax number, prepare the documents for the bank and carry out the transfer through licensed partners.
Details and terms are with a manager in the chat: the cost depends on the sum, the sending country and the purpose of the transfer.
A large transfer to Ukraine: which papers to prepare
For a transfer of up to $10,000 a Ukrainian bank asks only for the payment purpose, and from $10,000 also for the source of the money. Checked on 8 October 2026:
| Amount | The recipient bank's question | What to prepare |
|---|---|---|
| Up to $10,000 | the payment purpose | family support, payment for treatment, studies |
| $10,000-50,000 | the source of the money and the link to the recipient | the sender's statement, a document proving kinship, an income certificate |
| From $50,000 | the whole path of the money | a property sale contract, an inheritance, the sender's tax return, a contract to buy a home in Ukraine |
Sending a large sum to buy a home or for treatment? A manager will gather the documents for the bank in advance. How to move capital in full is covered on the capital relocation page.
From Ukraine onward: Canada, the US, Israel
From Ukraine money most often goes abroad for studies and medical treatment: under National Bank resolutions such transfers go through on documents with no limit on the sum, and since 11 August 2026 the limits for other transfers abroad have been raised. The rules of the recipient countries:
- Canada - no limit on the sum and no gift tax
- USA - an account with a passport and deposits insured up to $250,000
- Israel - an account in shekels, dollars or euros, 1-5 business days
- Spain - a foreigner's number first, then an account
Sending money to neighbouring countries
- Poland - a tax-free gift from family only by transfer to an account
- Moldova - euros under European rules in 1 business day
- Slovakia - no tax on buying a home and no gift tax
- Hungary - forints, instant payments in 5 seconds and tax-free gifts to family
- Italy - a tax code and a 27-character account
- Romania - lei in 10 seconds within the country
All ways of moving capital are on the capital relocation page.
FAQ
Is there a limit on the sum for a transfer to Ukraine from abroad?
Is a transfer from family abroad taxed?
What documents does a foreigner need for an account at a Ukrainian bank?
Can you receive dollars in Ukraine without exchanging them into hryvnias?
What is the limit for an instant transfer within Ukraine?
Is a deposit in a Ukrainian bank protected during martial law?
We will suggest the best way to send your money
We will choose a transfer method for your amount and country, prepare the documents on the origin of the money for the bank, make the transfer through licensed partners and follow it until the money is credited. Ask your question in the chat - the manager will suggest the best terms and the cost. The legal side with banks and government bodies is handled by Murblz specialists and locally licensed partners.
Details and cost are with the manager in the chat. Describe your situation and we will reply right away.
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