Cash flow and cash payments have not been limited in Ukraine for now, but certain restrictions may be introduced in the future, head of the NBU department on information technologies and payment systems Natalia Synyavska told a press club, ForUm correspondent reports.

According to the official, cash flow limitations are provided by the draft bill on payment systems and development of electronic transfer, submitted by the National Bank of Ukraine and passed by the parliament in its first reading on July 4 of this year.

"It is expected that the Central bank will be able to set maximum allowed amount of cash payments for individuals and entities, and the Tax Service will control the order of cash payments. However, the maximum allowed amount will be set only after thorough market studying and taking into account the recommendations of the consumers. Anyway, the changes will take place when the economic situation in the country stabilizes," the specialist said.

Synyavska also noted that in the world practice the maximum allowed amount of cash payments is pretty high for ordinary citizens to feel comfortable and free while choosing their payment system.  
"The restrictions will concern only large purchases," she stressed.

She added that the restrictions imposed on the calculations of legal entities by the NBU resolution № 32 were introduced in early 2005.

According to her, the resolution introduces new standards for the protection of consumer rights including requirements for contracts with cardholders. At the same time, the users of non-cash expenses will receive bonuses, which are already offered by issuing banks: premiums for card payments, discounts, participation in promotions, etc.

In addition, according to Siniavskaya, today every third transaction made by payment cards is an operation in the trade network. According to the expert, this is a very positive trend.

"This fact testifies to the increase in confidence in banks and their cards. In the first half of 2012, the volume of transactions processed by cards increased by 26.4% up to 328.3 billion UAH, compared to January-June 2011. The number of transactions increased by 22.6% up to 507.8 million. The remaining transactions are mainly cash withdrawal at ATMs. Whereas, for example, in Germany this point takes only 15% of turnover," the representative of the NBU compared.

She complained that the infrastructure of the use of payment cards is not sufficiently developed in the country yet.

"The National Bank of Ukraine and commercial banks are interested in its development, in attracting personal savings into the banking system, and hence into the national economy.

Moreover, the cash costs are very expensive and require the costs of collection, transportation and so forth," Sinyavskaya concluded.


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