You withdrew money from Binance — and received a banking “hello”:
“Your financial behavior does not comply with the bank's policy.”
In banking terms, this means: “You are a crypto person, therefore — a money launderer and sponsor of the Colombian cartel.”
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🧨 What raises bank suspicion?
🕳️ Transfers without a clear purpose — what if it’s organ sales?
🧻 Top-ups from other people's cards — this is already a “scheme”
🪙 IBAN associated with Binance — automatic trigger
🖼️ Screenshots from the exchange? The bank says — “we don’t understand”
💼 Designation “for services” — a red button for financial monitoring
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📜 The law exists. There is no logic.
👨⚖️ Law No. 361-IX (“On Preventing the Legalization of Income”) gives banks full rights:
⚙️ Article 15 — temporarily suspend operations for verification
📩 Article 21 — report suspicious financial operations
🧯 Article 23 — defines virtual assets as high-risk
🤖 Law No. 10225 (“On Virtual Assets”) was adopted in 2021, but still does not work because there are no amendments to the Tax Code.
So officially crypto exists, but no one knows how to handle it — neither banks nor tax officials.
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🏦 What are banks doing?
💀 They block the account after several P2P transactions
📞 They call and ask if you are a terrorist
📄 They require proof of the origin of money: screenshots, contracts, anything
🚫 They close the account with the wording “violation of financial profile” — without explanations
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🎪 The country of absurdity
🇺🇦 Ukraine promotes Diia.City, e-hryvnia, memorandums with cryptocurrency exchanges,
😇 but in practice P2P trading is a ticket to banking hell.
😈 Only “verification”, “ban” or “list of the undesirable”.
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💡 How to survive?
🧷 Have a separate card only for P2P
🦑 Do not accept payments from random cards
🧾 Always keep evidence of the origin of funds
🔐 Keep the main part of assets in non-custodial wallets
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Conclusion:
Web3 is the future, but Ukrainian banks are living in Web0.
As long as financial monitoring considers you “suspicious”, your ₴19K from P2P is already a crime with a taste of absurdity.
