Andriy Haichenko, Deputy Minister of Justice, said that in Ukraine freezes on debtors’ accounts have begun to be lifted automatically after the debt is paid in full. He called it a «historic step in the digitalisation of enforcement proceedings» and published a related comment on his page.
Conditions for automatic lifting of freezes
Seizures of assets and account freezes will be lifted automatically if the debtor has fully repaid the debt in the proceedings in an amount up to 10 minimum wages. In such cases there is no need to contact the enforcement officer and wait for them to issue the relevant decision.
Explanation of terms: enforcement proceedings — the process of executing court or enforcement decisions during which the debtor’s funds and property may be temporarily frozen to recover debt.
Threshold for sole residence and operation of the collection system
The value threshold for a debtor’s sole residence, against which enforcement cannot be pursued, has been raised from 20 to 50 minimum wages. This change is intended to strengthen protection of debtors’ property rights.
Justice Minister Denys Maslov previously stated that an automatic debt-collection system has been launched in Ukraine; state-owned banks are currently connected to the mechanism, and from October it is planned to involve all the country’s banks so the system can automatically locate debtors’ accounts and debit funds to repay debts.
The changes are provided for by Ministry of Justice Order No. 1837/5 of 9 July 2026, adopted in implementation of Law No. 4833-IX on the digitalisation of certain stages of enforcement proceedings.
The provisions enter into force on 23 October 2026.
Mechanism to preserve funds for everyday needs
For individuals, a mechanism ensures part of their funds remain for daily expenses: a debtor may make outgoing transactions from a single current account at one bank up to an amount not exceeding two times the minimum wage established as of 1 January 2026 per month.
A current account is a bank account for day-to-day transactions from which payments can be made and cash withdrawn; the mechanism guarantees the ability to cover basic expenses even during enforcement proceedings.
