NBU simplifies processing of money transfers without opening account

The National Bank of Ukraine (NBU) has determined the mandatory details of the payment instruction that is formed when providing a payment service for money transfers without opening an account, for which the payer transferred funds from his own account.

This is stated in the NBU message, Ukrainian News Agency reports.

Previously, payment market participants were guided by general legislative norms in this matter. Currently, due to the need for such standardization, the National Bank has provided for the necessary regulation in the Resolution of the Board of the National Bank of Ukraine dated February 26, 2026 No. 20 "On Approval of Amendments to the Instruction on Non-Cash Settlements in the National Currency of Payment Service Users".

In particular, the National Bank:

- obliged the provider of the money transfer service without opening an account to ensure that the payer can fill in the details of the actual payer, including in the case of payments to the budget by one person on behalf of another. This will contribute to the correct reflection by the State Tax Service of Ukraine of the payment of payments to the budget for the payer for whom the obligation is recorded;

- granted the right to the provider of the money transfer service without opening an account to fill in the payment instruction:

details for the payer, using the information available to it from the payer and its own technical means. This will allow the payer, who is a regular user of the provider of the money transfer service without opening an account, not to fill in his details each time, but to use the details already available to the provider; such details as the purpose of the payment, the name of the recipient, his EDRPOU (Unified State Register of Enterprises and Organizations of Ukraine) code and the account number in the case of payment by the payer of housing and communal services and payment of payments to the budget (taxes and fees); - obliged the provider of payment services for transferring funds without opening an account to execute each payment instruction with a separate payment transaction;

- obliged the provider of the service for transferring funds without opening an account to familiarize the consumer with the filled details of the payment instruction and provide the payer with confirming information after accepting the payment instruction for execution (to confirm the initiation of the payment transaction);

- provided that the consumer may not fill in such mandatory details as last name, first name, patronymic (if any) and identification code when paying for housing and communal services.

As noted by the National Bank, this will contribute to increasing the efficiency of the payment market and the transparency of non-cash payments.

As Ukrainian News Agency earlier reported, the National Bank of Ukraine, within the framework of implementing the oversight function based on the results of monitoring activities in 2025, has identified a list of important payment infrastructure facilities in Ukraine.