RESOLUTION OF BOARD OF THE NATIONAL BANK OF UKRAINE

of June 1, 2011 No. 174

About approval of the Instruction about conducting cash transactions by banks in Ukraine

According to Articles 7, "About the National Bank of Ukraine" and for the purpose of enhancement of the organization of cash work by banks in Ukraine the Board of the National Bank of Ukraine DECIDES: 33 Laws of Ukraine

1. Approve the Instruction about conducting cash transactions by banks in Ukraine (further - the Instruction) which is applied.

2. Recognize invalid:

the resolution of Board of the National Bank of Ukraine of 14.08.2003 No. 337 "About approval of the Instruction about cash transactions in banks of Ukraine", registered in the Ministry of Justice of Ukraine 05.09.2003 for No. 768/8089;

the resolution of Board of the National Bank of Ukraine of 18.02.2004 No. 62 "About modification of some regulatory legal acts of the National Bank of Ukraine", registered in the Ministry of Justice of Ukraine 09.03.2004 for No. 303/8902;

Item 2 of the resolution of Board of the National Bank of Ukraine of 21.04.2004 No. 173 "About modification of some of regulatory legal acts of the National Bank of Ukraine", registered in the Ministry of Justice of Ukraine 13.05.2004 for No. 609/9208;

the resolution of Board of the National Bank of Ukraine of 15.09.2004 No. 440 "About improvement of quality of banknotes of hryvnias which address", registered in the Ministry of Justice of Ukraine 28.09.2004 for No. 1228/9827;

the resolution of Board of the National Bank of Ukraine of 17.11.2004 No. 553 "About modification of the Instruction about cash transactions in banks of Ukraine", registered in the Ministry of Justice of Ukraine 25.11.2004 for No. 1497/10096;

the resolution of Board of the National Bank of Ukraine of 04.12.2004 No. 593 "About modification of the Instruction about cash transactions in banks of Ukraine", registered in the Ministry of Justice of Ukraine 10.12.2004 for No. 1570/10169;

subitem 1.1 of Item 1 of the resolution of Board of the National Bank of Ukraine of 14.06.2005 No. 211 "About approval of Changes to some regulatory legal acts of the National Bank of Ukraine", registered in the Ministry of Justice of Ukraine 01.07.2005 for No. 704/10984;

the resolution of Board of the National Bank of Ukraine of 11.01.2007 No. 2 "About approval of Changes to the Instruction about cash transactions in banks of Ukraine", registered in the Ministry of Justice of Ukraine 26.01.2007 for No. 65/13332;

the resolution of Board of the National Bank of Ukraine of 02.04.2007 No. 111 "About modification of the Instruction about cash transactions in banks of Ukraine", registered in the Ministry of Justice of Ukraine 13.04.2007 for No. 334/13601.

3. To department of cash currency circulation (Kiselyov R. V.) after state registration in the Ministry of Justice of Ukraine to bring contents of this resolution to permission of territorial administrations of the National Bank of Ukraine and banks of Ukraine for use in work.

4. To impose control over the implementation of this resolution on the vice-chairman of the National Bank of Ukraine Krotyuk V. L.

5. The resolution becomes effective from the date of its official publication, except Items 4.2 and 4.11 of Chapter 4 of the Section II of the instruction which are becoming effective in 12 months after entry into force of this resolution.

Approved by the Resolution of Board of the National Bank of Ukraine on June 1, 2011 No. 174

The instruction about conducting cash transactions by banks in Ukraine

I. General provisions

1. This Instruction is developed according to Articles 7, 33 Laws of Ukraine "About the National Bank of Ukraine", to the Laws of Ukraine "About banks and banking activity", "About payment systems and money transfer in Ukraine", to other laws and regulatory legal acts of the National Bank of Ukraine (further - regulatory legal acts).

2. This Instruction establishes procedure and requirements for implementation by banks, their branches and departments of cash transactions in national and foreign currency, regulates relations of banks (branches, departments) with departments (management) of currency circulation in the region of Department of currency circulation [further - departments (managements) of currency circulation in the region], the Central storage of the National Bank of Ukraine (further - the Central storage), other banks (branches, departments) and clients on these questions.

Subject of regulation of this Instruction are the following cash transactions:

acceptance through cash desk of bank of cash of national and foreign currency from clients for transfer into own accounts and accounts of other legal entities and physical persons or on the corresponding bank account (branch, department);

issue of cash of national and foreign currency to clients from their accounts through cash desk of bank;

acceptance from physical persons and legal entities of cash of national and foreign currency for the translation and payment to the receiver of transfer amount in cash form through operational cash desk;

obtaining by bank (branch, department) in departments (management) of currency circulation in the region, the Central storage of reinforcement cash and delivery of surplus, including packs of banknotes in cartridges;

exception of the address of doubtful banknotes (coins) and posylaniye them on research;

exchange to clients not of the suitable for the address and withdrawn from circulation banknotes (coins) of national currency on suitable, coins on banknotes, banknote on coins, banknotes (coins) of one nominals on banknotes (coins) of other nominals;

processing of cash;

acceptance for collection banknote of foreign states and cheques payable to a named person.

3. Requirements of this Instruction for execution of cash documents and processing of banknotes (coins), and also procedure for delivery and receipt of cash of national currency by banks in departments (management) of currency circulation in the region, procedure for issue (acceptance) for banknotes in cartridges extend to Operations department, departments (managements) of currency circulation in the region and the Central storage.

Requirements of this Instruction regarding implementation of transactions on transfer of cash in national currency, including using payment terminals and software and hardware complexes of self-service (further - PTKS), and execution of cash documents extend to non-bank financial institutions.

4. In this Instruction terms are used in such value:

automatic cash register (further - ATM) - the machine serving clients in automatic or partially automatic mode. PTKS and ATMs, deposit systems, devices on issue/acceptance of cash and other values treat ATM;

parcel post - paper tape (ring) with the established characteristics which, (which) is used for packaging of backs of banknotes or packs (in packaging of the banknotnomonetny yard);

banknotes - paper bank notes;

banknotes (coin) with defects of the producer - banknotes (coin) of national currency which are not corresponding to the approved sample;

Responsible persons of storage are officials to whom obligations on storage of cash and other values in storage are assigned;

cash - bank notes in the form of banknotes and coins;

deposit system - system with the equipment for introduction on storage of values into the reception block which meets the requirements of GSTU EN 1143-1;

research of doubtful banknotes (coins) of national and foreign currency the analysis of banknotes (coins) for the purpose of verification of presence of signs of authenticity and solvency, assessment of their compliance to the established samples;

sample of banknotes - the control copy of banknotes of national and foreign currency made by request of emitting bank with complete system of signs of solvency and protective elements which has zero numbering and on which by means of perforation or seal the word "SAMPLE" in any language is applied. By way of exception, the sample of banknotes can be made of the turnover numbered banknote by perforation of the word "SAMPLE";

identification number of indicator seal - unique numerical and/or numerical and alphabetic and/or bar code combination which is used for accounting and identification of indicator seals;

indicator seal - the device of one-time use which provides sealing and control of security of object by indication of unauthorized access and accounting and meets the requirements of GSTU 4551;

cash desk of bank - set of operational cash desks of bank, its branches, departments, Items of remote servicing, exchange bureaus of foreign currency, and also PTKS and ATMs;

cash servicing - provision of services on acceptance, issue and exchange of cash;

The cash document - the paper or electronic document which is processed for implementation of cash transaction. The cash document can be: paper for bank and the client, electronic for bank and paper for the client, electronic for bank and the client;

Cash transactions - transactions on cash disbursement, its acceptance, exchange of banknotes (coins) not suitable for the address and withdrawn from circulation on suitable for the address of banknote (coin), banknotes for coins, coins on banknotes, banknotes (coins) of one nominal on banknotes (coins) of other nominal, retirement of doubtful banknotes (coins), currency exchange transactions and transactions with bank metals, and also transactions on acceptance for collection banknote of foreign currency and checks in foreign currency, other values considered on off-balance accounts

back of banknotes - 100 (hundred) banknotes of one nominal packed by parcel post;

quality criterions of sorting of banknotes - standards concerning suitability of banknotes to the address which are applied during setup of the equipment for the automated processing of banknotes; coins - metal bank notes of different nominal;

surplus of banknotes (coins) - quantity (amount) of excess banknotes (coins) concerning the quantity (amount) specified on packaging of banknotes or coins or in the cash document;

Not sorted banknotes - banknotes of hryvnia of one nominal which were not sorted previously on suitable for the address and worn out, except for considerably worn-out banknotes;

shortage of banknotes (coins) - quantity (amount) of banknotes (coins) which are not enough, concerning the quantity (amount) specified on packaging of banknotes or coins or in the cash document;

incomplete back of banknotes - less than 100 (hundred) banknotes of one nominal packed by parcel post;

nominal of banknotes (coins) - the cost specified on banknotes (coins);

turnover coins - the coins of national currency nominal from 1 hryvnia performing function of legal means of payment;

the equipment for the automated processing of banknotes - the equipment for work with cash which irrespective of the number of the carried-out functions provides in the automatic mode (without intervention of the operator) transfer of banknotes, identification of protective signs of the banknotes established in this Instruction and physical department (sorting) of banknotes on suitable for the address, not suitable for the address, doubtful banknotes;

processing of cash - the complex of transactions including determination of authenticity and solvency of banknotes (coins), sorting, transfer, forming and packaging according to requirements of regulatory legal acts;

operational cash desk - cash node of bank (branches, departments) in which cash transactions are performed;

pack of banknotes - 1 000 banknotes of one nominal and sample which consists of 10 backs of banknotes on 100 banknotes (less than 10 backs - incomplete pack);

postoperative time - part of the working day of bank (branches, departments) upon termination of operational time, including work in days off and holidays during which cash transactions with their display in financial accounting no later than the next operational day are performed;

the bearer of banknotes (coins) - the physical person or legal entity which showed doubtful banknotes (coins) on research;

change - the coins of national currency nominal of 1 kopek, 2 kopeks, 5 kopeks, 10 kopeks, 25 kopeks and 50 kopeks performing functions of exchange of banknotes and turnover coins and legal means of payment;

doubtful banknotes (coins) - banknotes (coin), authenticity or solvency of which raises doubts, and also the having counterfeit signs before carrying out their research and creation by the expert (specialist) of the National Bank of Ukraine of the relevant act;

Storage - specially equipped premises of bank (branch, department), the safe, deposit system and ATM safes who are used for storage of cash and other values which technical condition answers regulatory legal acts;

technical means for work with cash - machines, devices, devices for processing of banknotes (coins) by means of which several or separate transactions on transfer of banknotes (coins), control of protective signs of banknotes (coins), obanderolivaniye of backs of banknotes, packaging of banknotes (coins) are carried out;

values - cash of national and foreign currency, doubtful (including counterfeit) banknote, samples of banknotes, commemorative and investment coins, souvenirs, the bank metals, precious metals and gemstones, securities and other values having cost.

Other terms are used in the values determined by the laws of Ukraine and regulatory legal acts.

5. The bank (branch, department) can perform cash customer service with use of the digital signature (further - the EDS), including the digital signature (further - the EDS).

The client - the physical person has the right to use the EDS which according to the status is equated to the sign manual according to the Law of Ukraine "About the digital signature" (further - the EDS equated to the sign manual), the EDS which is applied by the parties on a contract basis, any other EDS.

Other clients have the right to use the EDS equated to the sign manual, and the EDS which is applied by the parties on a contract basis.

The employee of bank (branch, department) who is granted right to sign of cash documents, shall use the EDS equated to the sign manual [further - the EDS of the employee of bank (branch, department)].

Organizational and methodological conditions of application of the EDS in bank system of Ukraine during creation, processing and storage of the electronic documents connected with transactions are regulated by the Regulations on application of the digital signature in bank system of Ukraine approved by the resolution of Board of the National Bank of Ukraine of August 14, 2017 No. 78.

6. The bank (branch, department) shall:

Perform cash customer service based on contractual relations through cash desk of bank. If cash customer service is performed with use of the EDS, then the agreement shall contain conditions and procedure (procedure) for recognition by participants of electronic interaction of electronic documents with use of the EDS and to contain conditions about distribution of risks of losses which can be caused to bank (to branch, department), to the client and the third parties;

provide processing of cash in operational cash desk;

provide control of solvency and authenticity of banknotes (coins) during acceptance and processing of cash with use of the corresponding equipment (devices);

determine solvency of banknotes (coins) according to requirements of regulatory legal acts and with use of reference information which is provided by the National Bank of Ukraine (further - National Bank), emitting banks or other authorized institutions;

perform transactions only with those types and nominals of banknotes of foreign currency which address in the countries issuers or are subject to exchange according to the procedure, established by emitting bank.

Banks (branches, departments) are forbidden to perform cash transactions (including, performed in case of purchase/sale of cash foreign currency between banks) with banknotes (bank notes) and coins of the Central bank of the Russian Federation with the image of the cards, symbols, buildings, monuments, monuments of archeology, architecture, history, landscapes and any other objects located on the administrative and territorial units of Ukraine occupied by the Russian Federation and/or which contain the texts concerning occupation of administrative and territorial units of Ukraine by the Russian Federation.

7. The bank (branch, department) will organize work of operational cash desk on cash customer service during operational time and in postoperative time according to domestic situations (instructions) of bank.

According to the decision of the head of bank in operational cash desk ATM is applied.

The workplace on acceptance of cash shall be equipped so that the client could observe for disclosure of packs/sacks and transfer of cash.

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