A reminder: when your total investment volume with ICU exceeds UAH 400,000, we are required to verify the source of your funds.
This is known as a risk-based approach. Complying with it is a direct obligation of all professional participants in the investment market acting as primary financial monitoring entities.
How does it work?
Funds that you transfer to your account for trading above your initial investment limit (UAH 400,000) will be temporarily blocked — you will see this in the Assets section.
Most importantly — no need to panic. You have not violated any rules, and your funds and investments are completely safe. At any time, you can either withdraw them or confirm their source and continue investing.
To confirm your source of funds, simply open the Trading Limits section in the ICU Trade app (the middle button with the logo), check your current limit, and in the “Blocked Funds” tab upload document(s) confirming your financial standing.
If you wish — and we strongly recommend it — you can proactively upload the required documents in advance to increase your investment limit and ensure uninterrupted investing.
What documents can you provide?
1) Income tax return (income earned over the past 10 years is taken into account)
2) Pension Fund statement — OK-7 form, which can be generated through Diia (10 years)
3) Salary/pension certificate or bank statement confirming the receipt of such income (10 years)
4) Individual entrepreneur (FOP) tax return (10 years)
5) Tax authority income statement (10 years)
6) Inheritance certificate (5 years)
7) Gift agreement (5 years)
8) Document confirming the sale of assets — a car, apartment, land, securities, etc. (5 years)
9) Insurance compensation statement/document (5 years)
10) Dividend payment confirmation — bank statement (5 years)
11) Documents confirming intellectual property income — royalties/fees (5 years)
12) Rental agreement for your residential property/premises + proof of payment (5 years)
13) Bank statement confirming interest paid on a deposit (5 years)
14) Lottery winnings with confirmation of payment (5 years)
Other supporting documents may also be accepted, including documents confirming joint family savings (together with documents proving the family relationship).
What happens next?
We will review your documents within 24 hours on business days. If your income is successfully verified, your investment limit in the Trading Limits section will be increased in accordance with your verified income level. If the documents provided are insufficient, your limit will remain at UAH 400,000, and you will be able to withdraw any excess funds back to your bank account.
