🎙 Які перекази на картку не оподатковуються у 2025 році 🟢 Без штрафів та фінмоніторингу

Introduction

This tutorial provides a comprehensive overview of which money transfers to cards are not taxable in Ukraine in 2025. Understanding these exemptions can help you avoid unnecessary taxes and fines, ensuring compliance with financial regulations while managing your finances effectively.

Step 1: Understanding Taxable Transfers

• Familiarize yourself with the general taxation rules for money transfers to cards.
• Recognize that not all transfers are subject to taxation, especially those from close relatives.

Step 2: Transfers from Relatives

• Transfers from direct relatives (parents, children, siblings, spouses) are not taxable.
• Relevant legal provisions include articles 180, 202, and 265 of the Family Code of Ukraine, which mandate that family members support each other.
• These transfers can even come from abroad without incurring taxes.

Step 3: Other Non-Taxable Transfers

• According to Article 165 of the Tax Code, there are numerous transfers that do not require tax payment. There are approximately 160 types of such transfers.
• For a complete list, refer to the document shared in the channel's Telegram group.

Step 4: Pension and Insurance Payments

• Pensions received in Ukraine or from foreign sources are not taxable.
• Insurance payments for loss of capacity or voluntary insurance, as well as disbursements from private pension funds, are also tax-exempt.
• Ensure you have a pension certificate and that the payment purpose states it is a pension.

Step 5: Scholarships

• Scholarships for students, military cadets, and graduate students are not subject to tax.

Step 6: Social Assistance

• Social assistance payments, such as those for childbirth, disability, and Chernobyl disaster compensation, are exempt from taxes.

Step 7: Income from Government Securities

• Interest earned from government securities and bonds issued by the National Bank of Ukraine is not taxable.
• This includes:
  • Interest from state securities issued by the Ministry of Finance.
  • Income from local bond obligations.
  • Payments to non-residents for securities purchased through authorized agents abroad.

Step 8: Refunds for Returned Goods

• If you return a defective product and receive a refund, this amount is not considered income and is not taxable.
• Refunds should match the purchase price and are not liable for taxes.

Step 9: Selling Used Goods

• Selling personal items (e.g., old phones, bicycles) is generally taxable.
• However, there are currently no strict controls over these transactions, making enforcement unlikely.

Step 10: Property Distribution and Alimony

• No taxes are due on property received after a divorce settlement or from alimony payments.
• Such distributions are not classified as income under tax law.

Conclusion

Understanding which transfers are non-taxable can significantly alleviate financial stress. Key exemptions include transfers from relatives, pensions, scholarships, social assistance, and certain government securities. Always ensure you document your transactions properly to avoid any potential tax issues. For further guidance, consider consulting a financial advisor or accountant.