Scammers wrote off the money? In the Rada they want the bank not to shrug its shoulders, but to return the funds

A bill was registered in the Verkhovna Rada of Ukraine — a draft law No.15274 — which proposes to change the rules for returning funds in cases of bank fraud. The document was submitted on 26 May 2026. It concerns amendments to Article 55 of the Law of Ukraine “On Banks and Banking Activity”.

The essence of the initiative is to oblige banks to promptly restore the remaining balance on the client’s account if funds were debited without their knowledge as a result of fraudulent actions. The key condition for the client – to quickly notify the bank about the unauthorized debit. In other words, the person must immediately state that the transaction was made without their consent.

So far draft law No.15274 is not an enacted law. It must undergo review by the relevant committee, a vote in the Verkhovna Rada, signing and official publication.

The topic is particularly painful for Ukrainians, since fraudsters regularly extract money through calls from so‑called “bank employees”, phishing links, fake chatbots and messages about “suspicious transactions”. If the law is adopted, banks may receive a clearer obligation not simply to carry out lengthy checks but to respond more quickly to customer reports. At the same time, it is important that the document clearly defines the deadlines for reporting, the verification procedure and the cases when the bank truly has to return the funds. For people the rule remains simple: if money has disappeared from your card, you must immediately contact the bank using the official number, block the card, save all messages and file a report with the police.

As a reminder, we previously wrote:

• One call — and minus 103 thousand: another woman in Mykolaiv fell for yet another pseudo-banker
• One call — and the money’s gone: in the Mykolaiv region women were robbed of almost 400 thousand hryvnias
• Fraudsters extorted 22 thousand hryvnias under the guise of rent and increasing the card limit
• Two residents of Korabelnyi were conned out of 30 thousand hryvnias — the police are looking for the fraudsters
• A 21-year-old fraudster from Mykolaiv cheated trusting sellers out of 90 thousand hryvnias