Ukrposhta Calls NBU Clarifications on Receipts a 'Partial Victory', Dispute Continues

Ukrposhta's General Director, Igor Smilianskyi, called the National Bank of Ukraine's clarification a partial victory, according to which part of receipts no longer requires the customer's tax identification number and the full bank card number. However, the company believes the dispute with the regulator is not over, and the current rules remain ambiguous.

The NBU explained on August 4 that when paying for housing and utility services in cash, it is sufficient to indicate the payer's last name, first name, and patronymic on the receipt. For non‑cash payments, personal data is not mandatory, and the bank card number can be printed in a masked form — with a portion of the digits hidden.

Smilianskyi claimed that such a stance allegedly conflicts with the results of a 2026 inspection of Ukrposhta. According to him, the NBU then recognized the absence of the RNOKPP (taxpayer ID) in documents for utility payments — including those to Naftogaz and several energy supply companies — as a violation, and ordered the operator to change the processes by August 1.

The head of Ukrposhta asked the National Bank to allow the publication of the inspection materials and the corrective action plan. Currently, those documents are not published, so it is impossible to independently verify the allegations about the inspectors' findings.

Another issue Smilianskyi highlighted is payment invoices that include both utility and other services. As he interprets it, the tax number is not needed for paying for gas, electricity, or water, but the requirement may return if the same document includes payment for groundskeeping, elevator maintenance, or other services.

Smilianskyi also drew attention to the clarification regarding card numbers. The NBU website materials indeed state that to check the payment instruction details before confirmation, the customer must be shown the full card numbers of the payer and the recipient.

At the same time, another section of the same document expressly permits printing the card number in a masked form on a payment terminal receipt for housing and utility services. These requirements may apply to different stages of the transaction: checking the payment instruction before confirmation and the receipt the customer receives after the payment is completed.

For Ukrposhta customers, this means that when paying solely for housing and utility services, the RNOKPP is not required on the receipt, and the full card number is not mandatory to print. However, rules may differ for other operations.

In particular, according to Smilianskyi, when arranging cash‑on‑delivery for a parcel, the RNOKPP is needed regardless of the amount. For sums up to UAH 5,000, Ukrposhta will record the number based on the customer's words without requiring documentary proof. If the amount exceeds that limit, the data will have to be verified with documents.

Ukrposhta continues to consider the regulation excessive and lacking sufficiently clear application rules. The company has proposed an open discussion with the NBU, market representatives, and government authorities to agree on a uniform procedure for processing payments.

Earlier, KURS Ukraine reported that the NBU denied claims that full tax ID numbers and complete card numbers must be printed on utility receipts. The regulator also announced a review of the payment document processing practices carried out by Ukrposhta.

Sources: Igor Smilianskyi, National Bank of Ukraine