Number of payments via SEP increases by almost quarter to 595 million in 2025

During 2025, 595.1 million payments were made through the system of electronic payments (September) for a total amount of UAH 273.6 trillion, which is 23% more in number and 13.5% in volume compared to 2024.

This is evidenced by data from the NBU, the Ukrainian News agency reports.

As the structure of payments in the SEP shows, in 2025:

- in terms of quantity, small payments were most often processed:

- up to UAH 1,000 – 42.21%;

- from UAH 1,000 to UAH 100,000 – 53.26%;

- from UAH 100,000 and more – 4.53%;

- in terms of amount, the largest number of payments was large:

up to UAH 1,000 – 0.04%;

- from UAH 1,000 to UAH 100,000 – 1.48%;

from UAH 100,000 and more - 98.49%.

In addition, last year, 35.9 million instant transfers were made through the SEP for a total amount of UAH 163.1 billion.

Their structure in 2025 was distributed as follows:

by number:

- up to UAH 1,000 - 47.72%;

- from UAH 1,000 to UAH 100,000 - 52.28%;

by amount, the largest number of payments was for large ones:

- up to UAH 1,000 - 4.60%;

- from UAH 1,000 to UAH 100,000 - 95.40%.

The average time for making payments through the SEP remains at the level of several minutes. Instant transfers were made in a matter of seconds, in particular, more than 90% of instant transfers were made faster than three seconds.

Starting from April 1, 2026, all SEP participants are obliged to ensure that their clients can use this service.

The introduction of TrackSEP is a consistent step by the National Bank towards the development of a modern, transparent and European-standard payment infrastructure, and also creates the basis for further innovations in the SEP. In particular, the next steps in the development of the system include multicurrency, an assessment of its integration with the SEPA infrastructure for cross-border transfers with EU countries, expanding the use of the ISO 20022 standard, as well as the introduction of payment transaction risk assessment services based on modern analytics and artificial intelligence technologies.

As the Ukrainian News agency earlier reported, the SEP is a state banking payment system that ensures interbank settlements through accounts opened with the National Bank. The National Bank is the operator and settlement bank of the system.

The SEP belongs to the real-time gross settlement system (according to the international classification - RTGS) and was developed by specialists of the National Bank.

The SEP is the only systemically important payment system in Ukraine. It ensures the implementation of 99% of interbank settlements in the national currency within our country.

The SEP participants as of January 1, 2026 are the National Bank, the State Treasury Service of Ukraine, 61 banks (as well as three non-bank payment service providers - through banks that are both SEP participants and servicing banks for these companies).