Як поповнити рахунок брокера? Найбільш актуальні оновлення на грудень 2025. Зміни Revolut та Genome

Summary

This video provides an up-to-date guide for Ukrainians on how to fund brokerage accounts despite restrictions on direct transfers from Ukrainian cards. Anastasiya Snihorenko reviews options for major brokers like Interactive Brokers and Freedom Finance, discussing intermediaries such as TransferGo, Wise, Zen, Revolut, and Payoneer, along with their fees and limitations. She explains which methods are currently most viable, highlights changes in commissions, and advises on strategic account management. The video emphasizes adapting to evolving financial services, encourages investment despite higher costs, and directs viewers to her Telegram channel for the latest updates and step-by-step guidance.

Takeaways

• 😀 Since 2022, Ukrainians cannot directly fund brokerage accounts from Ukrainian bank cards.
• 😀 There are different options for investors living in Europe versus those living in Ukraine, with Europeans having more flexibility.
• 😀 Interactive Brokers is the most popular broker among Ukrainian investors.
• 😀 Genom used to allow account funding with a 1% fee and 5€ monthly commission, now the monthly commission has increased to 20€, making it less cost-effective for small amounts.
• 😀 Revolut previously allowed funding for some Ukrainian users but is now suspending accounts and giving 60 days to withdraw funds.
• 😀 TransferGo is currently one of the most reliable and practical ways to fund a brokerage account.
• 😀 Zen allows funding in both euros and dollars with a 3% commission and remains stable despite higher fees.
• 😀 VI and Wise can be used as intermediaries but are best with Mastercard and in euros.
• 😀 Payoneer can be used for direct transfers to brokers, especially for freelancers, with a 3% commission.
• 😀 Funding via cryptocurrency is only cost-effective if the investor already holds crypto, with a 3% fee for transfers.
• 😀 Opening multiple intermediary accounts is recommended for flexibility and to ensure continued access to brokerage funding.
• 😀 Despite higher fees and some restrictions, investing is better than leaving funds idle, as money loses value over time.

Q & A

What changes were made to the process of funding a brokerage account for Ukrainians since 2022?

Since 2022, Ukrainians can no longer directly fund brokerage accounts with Ukrainian bank cards. Instead, they must rely on intermediaries like various banks and payment services to make deposits.

What are the most popular ways Ukrainian investors can fund their brokerage accounts in 2023?

The most popular methods include Genom (Gnom), Revolut (though it's being phased out), Transfer Go, Zen, and Payoneer. Each comes with different fees and terms.

What is the new update regarding the Genom service for funding brokerage accounts?

The monthly fee for using Genom has increased from €5 to €20, making it less cost-effective for smaller deposits. It is now only viable for investors who are depositing €1,000 or more per month.

What happened to Revolut for Ukrainian investors?

Revolut has stopped servicing Ukrainian accounts, with many users receiving notices to withdraw their funds within 60 days. The registration window for new accounts has also closed.

Why is Transfer Go considered the most reliable option for funding brokerage accounts?

Transfer Go remains the most reliable intermediary, regularly testing and updating its services. It is recommended for those looking to invest, as it offers flexible and updated options for depositing funds.

How does Zen compare to other intermediaries for funding brokerage accounts?

Zen charges a higher commission of around 3%, which makes it less attractive than other options. However, it is considered stable and now supports both EUR and USD deposits, which adds flexibility.

What are the main disadvantages of using Wise for funding brokerage accounts?

Wise works best for users with a Mastercard, but not all Ukrainian banks issue these cards. Additionally, it's less efficient than other options for direct deposits.

Can Payoneer be used to fund brokerage accounts, and what are the fees?

Yes, Payoneer can be used to fund brokerage accounts, especially for freelancers or those receiving international payments. The commission for transfers has increased from 2% to 3%.

How does cryptocurrency work as a funding method through Freedom Finance?

Freedom Finance allows deposits via cryptocurrency, but with a 3% commission. This method is only practical if you already own cryptocurrency, as the process becomes less cost-effective if you need to buy crypto first.

What are the key factors to consider when choosing a method to fund a brokerage account?

Key factors include the commission fees, reliability of the service, availability of accounts, and the country you are in. Methods with no monthly fees (like Transfer Go) are generally more favorable for regular investors.