The banking “iron curtain” of limits, which previously applied only to ordinary citizens, is now preparing to descend on the accounts of individual entrepreneurs. If earlier individual entrepreneurs felt relatively free in matters of payment volumes, then in 2026 the rules of the game are becoming stricter. The banking community is actively making amendments to the “Memorandum on Transparency”, and this time the main topic of discussion was business transactions.
The official document, known as the “Memorandum on Ensuring Transparency in the Functioning of the Payment Services Market”, has been in effect since February 2025. However, until now it limited only “physicists” to amounts of 50-100 thousand hryvnias per month. Now the working groups of banking associations (NABU and AUB) are finalizing specific figures for business accounts.
Subota Online found out that the introduction of limits is not just a desire of bankers to complicate the life of business, but part of a larger strategy to combat shadow flows. The main blow is directed against the so-called “drops” – front persons, through whose individual entrepreneurs tens of millions of hryvnias are sent in transit.
“These limits should in no way affect ordinary entrepreneurs. They are aimed at restricting the work of “drop-FOPs”, who, at the request of third parties, open accounts for illegal operations, including financing subversive activities against our state,” notes the deputy chairman of the board of Radabank Oleksandr Moskalenko.
Artificial intelligence on the watch of financial monitoring
Many entrepreneurs have already felt the increased checks, but bankers assure that no new laws were adopted, it is simply that the automation of processes has reached a new level. Banks are increasingly using elements of artificial intelligence to analyze expenditure transactions. If your expenses match your declared income, there is no reason to worry. Those who use individual entrepreneurs to “splitter” their business are being checked most thoroughly now. This is a popular scheme when, instead of working through an LLC with a 20% tax, large companies attract dozens of small entrepreneurs with a single tax (5-6%) in order to minimize payments to the budget. AI has learned to see such connections instantly, marking them as suspicious. The specific limits for individual entrepreneurs are not disclosed at this time, since the document is at the approval stage. However, one thing is clear: the era of uncontrolled multi-million transfers through business cards is coming to an end. Banks promise to publish the text of the updated Memorandum immediately after its official approval. For honest businesses, the new rules will be just a technical nuance, while for “scheme makers” bank accounts may become a blocked trap.
