A resident of Kyiv is unable to access her funds due to restrictions imposed by Oschadbank – the court's decision on the matter has been made.

A woman is unable to use her Oschadbank card due to a blockage. She requested the financial institution to lift the restrictions, but to no avail. This information is stated in the decision of the Pechersk District Court of Kyiv, published on January 2, 2025.

In April 2024, an Oschadbank client discovered that her bank card was blocked. When she contacted the Oschadbank chatbot, she was informed that the card was blocked due to a seizure on her account and that she should reach out to the enforcement service to resolve the issue of unblocking. However, there are no open enforcement proceedings against her that could serve as grounds for the enforcement officer's actions to block bank accounts, and there never have been. On May 23, 2024, the citizen sent a registered letter via Ukrposhta to JSC "Oschadbank," requesting clarification regarding the grounds for the account blockage and access to the payment tool "Oschad24/7," as well as the lifting of restrictions on managing the funds in her account by unblocking it. The application was received by JSC "Oschadbank" on May 27, 2024, but by the time of filing the lawsuit, there had been no response.

"JSC 'Oschadbank' does not engage in illegal actions that restrict the plaintiff's free use and disposal of her funds and access to the payment service 'Oschad 24/7' for her account. She has the right to freely manage her funds in the account opened at JSC 'Oschadbank.' Therefore, the bank acts in full compliance with the norms of current legislation in Ukraine and its obligations under the comprehensive banking service agreement for individuals and the opening of a current account and has not committed any violations. Consequently, the claims are unfounded, unproven, and should not be satisfied," - stated Oschadbank.

What did the court decide?

The court denied the woman’s claim. She did not provide evidence of the account blockage.

"The plaintiff claims in her lawsuit that the defendant has blocked her account because she is a debtor in enforcement proceedings; however, she does not provide evidence of the account blockage, and therefore, the request to recognize the actions of JSC 'Oschadbank' as illegal, related to the termination of access to the payment service 'Oschad 24/7,' should be denied. Since the claims demanding that JSC 'Oschadbank' restore her free use and disposal of her funds and restore free access to the payment service 'Oschad 24/7' for her account are derivative from the claims to recognize the actions of JSC 'Oschad 24/7' as illegal, they also should not be satisfied," - emphasized the court.