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NBU “gave permission” to track bank payments: what has changed for Ukrainians

The National Bank has launched tracking in the electronic payment system (EPS). This allows clients of Ukrainian banks to track the progress of their payments 24/7. At the same time, both senders and recipients of payments can use the new service. This was reported by the NBU itself. They noted that the function has been operating since December 1, 2025.

“The key element of the tracking service is the universal unique identifier of the payment transaction – UETR. By specifying the UETR in TrackSEP, the user will be able to receive detailed information about the movement of funds for this transaction (at the same time without personal data),” the National Bank said.

At the same time, they emphasized that from April 1, all EEP participants will be required to generate a UETR for each payment transaction performed through the EEP. And in addition:

Provide this identifier to the payer.

Transmit information about the status of such a transaction to TrackSEP.
What can bank clients track

In general, it is noted that clients were able to see the status of their payment transactions. In particular:

Initiated.

Processed by the payer’s bank.
Which is awaiting processing in the SEP.
Credited to the recipient’s account, etc.

How to track your payments in the SEP

In order to use the SEP tracking, you need to follow the link. On the page that opens, you need to specify:

UETR.
The payment amount in hryvnias.
Next, choose the answer option: full or abbreviated. After that, click “search”.

2 banks went bankrupt in Ukraine at once

In parallel, the NBU declared 2 Ukrainian banks insolvent at once. They were:

“First Investment Bank”;

“Motor-Bank”.

The reason for this was the long-term risky activities carried out by these institutions, which led to a violation of the minimum regulatory capital standard. However, the NBU noted that the depositors of this institution are not in danger – each of them will receive a refund in the full amount of the deposit, including interest. It will consist of:

the full amount of the deposit;

interest accrued “as of the end of the day preceding the day of the start of the procedure for withdrawing banks from the market.”