The National Bank allowed the opening of accounts without a handwritten signature

The NBU has simplified the opening/closing of accounts by allowing the use of digital signatures instead of manual ones.

The National Bank of Ukraine has updated the procedure for opening and closing accounts for users of payment service providers for account servicing. The press service of the NBU reported this on Thursday, November 21.

This need is due, in particular, to the updating of the legislation of Ukraine on electronic trust services and the need to resolve some issues in the payment market.

In particular, the National Bank:

1) granted the right:

• non-bank payment service providers – to open payment accounts for other non-bank payment service providers solely for the purpose of conducting payment transactions at their own expense;

• users (user representative) – when signing electronic documents, use a qualified electronic signature, a digital handwritten signature, an improved electronic signature with a qualified certificate, as well as another electronic signature, if the its use was previously determined by the agreement between the user and the payment service provider;

2) excluded the rule that provides for the use of a sample handwritten signature of the account owner – an individual, an individual entrepreneur, an individual engaged in independent professional activities / a proxy / other authorized person specified in an agreement / power of attorney / other document when conducting transactions on the accounts of these persons. This allows individuals who, due to illness or other reasons, cannot sign documents with their own hands, avoid possible obstacles when using the account.

3) recorded that current accounts with a special regime for their use, opened in cases provided for by laws of Ukraine or acts of the Cabinet of Ministers of Ukraine, belong to current accounts;

4) clarified the rule about the people who have the right to manage an account and sign payment instructions.

The relevant standards are contained in the Resolution of the Board of the National Bank of Ukraine dated November 19, 2024 No. 135″On the approval of Changes to the Instructions on the procedure for opening and closing accounts for users of payment service providers for the account service“, which will take effect on November 21.

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