The Ministry of Justice has approved a new procedure for the forced collection of funds from bank accounts and electronic wallets of debtors. From now on, banks are obliged to check requests from executors every hour, and the writing off of money will take place automatically.
Enforcement proceedings in Ukraine are moving to a fundamentally new level. As reported by the “Court-Legal Newspaper”, the order of the Ministry of Justice No. 1837/5 of July 9, 2026 actually changes the very model of the execution of court decisions – from the automatic seizure of accounts, the state is moving to a full-fledged automatic writing off of funds.
The document was adopted in implementation of Law No. 4833-IX on the digitalization of enforcement proceedings. It covers all key stages: obtaining information about the debtor’s accounts, imposing an arrest, forming payment instructions, forced writing off and transferring funds to the collector. That is, we are talking about a single digital chain – without paper document flow between most participants in the process.
The key change concerns speed. Previously, banks could process requests from enforcement agents in a general mode, but now their information systems are required to check the availability of new documents from state and private enforcement agents every hour. The bank must provide a response to the information request — whether the debtor has accounts, their details, and balances — no later than within an hour of business hours.
All interaction will take place through the automated enforcement system (ASVP) using application programming interfaces (APIs). The authenticity of all messages will be confirmed by qualified electronic seals. The human factor during the transfer of documents should be minimized as much as possible.
A separate important innovation is the expansion of the circle of participants. The new procedure applies not only to banks, but also to non-bank payment service providers, electronic money issuers, and other financial institutions. That is, digital interaction will cover almost all financial services that have the right to open accounts or electronic wallets.
Electronic money becomes the same object of enforcement as funds in bank accounts. The executor will be able to obtain information about the debtor’s electronic wallets, impose an arrest on them, and subsequently forcibly write off the funds. The use of electronic wallets will no longer guarantee avoidance of the execution of the court decision.
The write-off mechanism depends on the type of assets: funds in hryvnia will be written off according to the rules of non-cash settlements of the NBU, in foreign currency – according to a separate regulation of the National Bank, electronic money – according to the rules of the NBU Regulation on the Issuance of Electronic Money. Until the full launch of electronic interaction, payment instructions in hryvnia will be transmitted to the collector’s bank the next business day, while documents regarding foreign currency and electronic money will still be sent in paper form.
How much money will the debtor be left for life
Despite the rigidity of the new mechanism, the legislation provides protection for individuals. The debtor can make expenditure transactions from one current account in one bank for an amount not exceeding two minimum wages as of January 1, 2026 — that is, UAH 16,000 per month. These funds are not subject to collection within the specified amount.
This means that even in the event of seizure of accounts, the debtor has the right to an “untouchable” balance for basic needs. The order also provides for the automatic lifting of seizures after the debt is fully repaid — without additional appeals to the enforcement service.
