Due to the full-scale military invasion of Russia, some Ukrainians went abroad. The National Bank has set a limit on the amount that Ukrainians can spend abroad. Clients of Ukrainian banks face problems with settlements abroad, as the limit on the card has been exceeded. The publication "

The National Bank set a limit in the equivalent of 100 thousand. UAH per month. This is the maximum for a person in one bank, more than which he cannot spend abroad in any form - either when paying at retail outlets or when withdrawing cash from ATMs. But, as it turned out, a person can actually spend, say, 20 thousand. UAH. and already exhaust the limit.

This can happen because the bank has summed up both successful and failed transactions on the card.. In general, it turned out that a person reached the UAH 100,000 limit, but actually spent only UAH 20,000.

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But even after the problem was clarified, the bank refused to restore the balance of UAH 80,000 to the client. The reason was that the NBU could fine the bank due to non-compliance with the requirements.

" The fact is that the blocking of card transactions can " It takes time to unload, and before it is done, neither the bank nor the payment system (VISA, MasterCard) can distinguish refusals in transactions from the actual payment,"

That is, until all the data is uploaded and collected together, the bank cannot be sure whether the person has spent the limit or not. It could take weeks to figure out..

What to do if the limit on the map is exceeded.

In this case, it is necessary:.

call the bank support service and explain the problem. Please be aware that this may take several days..

in order to avoid similar situations with a limit, you should pause between transactions, and not immediately make payment after payment.

before a big purchase, you need to enter the bank application and check your limit. If necessary, increase it if you are allowed to manage limits.

always have an additional card with you, because each bank counts only its 100 thousand limit for each client.

Earlier we wrote that Ukrainians need to know about payments abroad with bank cards.