How to Receive International Payments as a Freelancer in Ukraine (2026)
Ukrainian IT and freelance exports continued to grow even through wartime conditions, with over 250,000 IT specialists working for international clients. NBU regulations have evolved — here's the current state.
Best platforms under current NBU rules
- Wise Business — widely used by Ukrainian freelancers. Supports UAH payouts to Ukrainian banks including Monobank, PrivatBank, and Raiffeisen.
- Payoneer — most popular for Upwork earnings. NBU allows Payoneer transfers to Ukrainian banks.
- IBAN transfer (EUR/USD) — direct SWIFT to Ukrainian bank. Good for large amounts where bank rate may be competitive.
- Revolut — many Ukrainian freelancers use EU-based Revolut accounts (if they have EU residence) for EUR holding.
NBU regulations (current as of 2026)
- Foreign income from services must be converted to UAH within 30 days of receipt (reduced from 90 days as a wartime measure).
- FOP (Fiz Osoba-Pidpryiemets / sole trader) is the most common legal structure for Ukrainian freelancers. It allows simplified tax payment.
- FOP Group 3 (3% simplified tax rate on all income, or 5% with VAT registration) is most relevant for IT exports.
- You can hold up to €5,000 equivalent in foreign currency — anything above requires conversion within the 30-day period.
- NBU has special provisions for Ukrainians abroad during wartime — verify current rules at bank.gov.ua.
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