The Pension Fund of Ukraine notes that card blocking does not affect the accrual of funds.
Owners of “Oschadbank” payment cards have been facing more frequent card blocks. This has caused significant resonance among clients, particularly pensioners and social benefit recipients.
RBC-Ukraine, citing the Pension Fund of Ukraine, explains why this situation has arisen and what to do.
Read also: The bank will block the account due to these operations: experts provided advice and explained the risks.
The agency notes that this is related to the bank’s internal procedures, not to the accrual of payments.
Which cards have been blocked
According to the bank, the validity period of payment cards for most clients has been extended until June 30, 2026. At the same time, some citizens’ cards have been automatically closed. This concerns old cards, the validity of which has been repeatedly extended during martial law.
In particular, the following cards have been blocked:
- cards whose validity expired between February 2022 and October 2025, and for which there was at least one operation (at a cash register, ATM, or terminal in Ukraine) in September-October 2025;
- cards with the same validity period, but without operations in the last six months and with a zero balance.
The Pension Fund emphasizes that card blocking does not affect the accrual of funds. Pensions and social benefits continue to be credited to the account, but they can only be accessed after clarifying the reasons for the block and updating the data.
What clients should do
The Pension Fund advises taking the following actions:
- call the bank’s contact center to clarify the reason for the block;
- check the card status in the “Oschad 24/7” app;
- visit a bank branch with a passport and identification code if the card is blocked due to financial monitoring or expiration of validity.
The Pension Fund explains that the bank is conducting an update of financial monitoring systems and checking the relevance of client data.
Most often, the reasons for access restrictions to the account include:
- expired documents;
- discrepancies in personal data;
- transactions that the system considers risky.
Earlier, RBC-Ukraine reported that banks in Ukraine have tightened financial control over cash deposits. Even relatively small amounts may be checked, and without confirmation of the origin of funds, the transaction may be blocked. This is especially true for large deposits (from 400,000 hryvnias) or atypical transactions on new accounts.
We also reported on new recommendations from the NBU for banking applications. Banks must use unified names for payments (in particular, transfers to IBAN and instant transfers) to make transactions clearer and more convenient for users.
