How to get the money from selling a flat in Ukraine to your account abroad

Step 1. Payment for the deal — through a bank

The origin of funds is easiest to prove when the buyer pays by bank transfer into your account with a Ukrainian bank, and the amount and the purpose of payment match the contract.

If you sell the flat under a power of attorney, make sure the money goes to your account, not the representative’s. Only you can take out more than 10 000 € from your own account.

Step 2. Taxes on the sale

The bank and customs see the chain «contract → account → withdrawal». Proof that taxes on the sale were paid, or were not due, closes the question of where the money came from. Whether tax is due depends on how long you owned the flat, how many sales you made in the year and your tax status.

Step 3. Documents on the origin of funds

• The sale contract for the flat
• The document under which the flat was yours: a contract, a certificate of inheritance, etc.
• Proof of taxes and fees paid — if any were due
• A statement of your account showing the buyer’s payment
• Your passport and Ukrainian tax number (RNOKPP)

The exact list depends on your situation. See also Documents on the origin of funds.

Step 4. Cash withdrawal and bank documents

To take out more than the equivalent of 10 000 €, you need bank documents: on the cash withdrawal from your own account and on the currency exchange, if you bought currency. They are valid for 90 days from the withdrawal, so plan the trip in advance.

Cash withdrawals from foreign-currency accounts are limited to the equivalent of UAH 200,000 a day (from 11.08.2026), so a large amount is withdrawn over several days. Wartime rules change — an overview with the date of the last check is on the Money abroad page.

Step 5. Declaration at the border

Up to the equivalent of 10 000 € can be taken out without a written declaration. Amounts from 10 000 € are declared in writing at Ukrainian customs together with the bank documents. The law sets no upper limit.

Only the account holder can take out more than 10 000 € in person: a representative can withdraw the money but cannot take it out. On entry into the EU, amounts from 10 000 € are declared again — to the customs of the country of entry.

Step 6. The bank and taxes in your country

When you pay the cash into your account abroad, the bank may also ask where it came from. It usually needs the same documents, often translated. Find out the tax consequences in your country in advance — we do this through partner advisers.

What not to do

• Do not hand cash to couriers or money «carriers»
• Do not split the amount between travellers to avoid declaring it
• Do not use crypto routes
• Do not route the money through relatives’, friends’ or intermediaries’ accounts

Such schemes break the chain of origin: customs may detain the money and a bank may block your account.