You may find out about a debt too late, when the money in your account has already been frozen or a fine is being collected at double the amount. You can check the main types of debt online and free of charge: enforcement proceedings and fines in the Diia app, taxes in the tax authority’s Electronic Cabinet, and large loans in the NBU Credit Register. Below: what can be seen where, what to do if a debt turns up, and how to deal with incorrect amounts. Data checked on 21 October 2026.
Which Debts Can Be Seen Where
| Type of debt | Where to check online | What you need |
|---|---|---|
| Enforcement proceedings (recovery under court decisions, fines, alimony, etc.) | Diia, the “Enforcement proceedings” service; the Unified Register of Debtors on the Ministry of Justice website | Logging in to Diia; the register of debtors is open |
| Taxes, penalty interest, ESV | Electronic Cabinet: “Status of Settlements with the Budget,” the register of tax notices-decisions (PPR) | Logging in to the cabinet, for example with a qualified electronic signature |
| Traffic fines | Diia, “Fines for traffic violations” | Logging in to Diia |
| Loans with a total debt of UAH 50,000 or more | NBU Credit Register (cr.bank.gov.ua) | Logging in through NBU BankID |
Enforcement Proceedings: What the Law Says
All enforcement documents and actions of enforcement officers are recorded in the automated enforcement proceedings system (ASVP). Under Article 8 of the Law of Ukraine No. 1404-VIII on Enforcement Proceedings (version of 1 October 2026), the Ministry of Justice provides free and open access to the system’s information on its website. One of its components is the Unified Register of Debtors: the information in it is open and published in real time (Article 9).
- When people get into the register. Information about a debtor is entered at the same time as the decision to open enforcement proceedings. The exceptions are state bodies and local self-government bodies, debtors under non-property decisions, and those whose debt on periodic payments does not exceed three months.
- What the record contains. The debtor’s surname, first name, patronymic and date of birth; who issued the enforcement document; the state enforcement service body or private enforcement officer, with phone number and email; the proceedings number; the category of recovery, for example alimony or a fine.
- What it can lead to. A bank that opens or closes an account for a person in the register notifies the enforcement officer the same day, and the officer decides to freeze the funds no later than the next business day (Part 3 of Article 9). The record in the register does not by itself release you from complying with the decision.
- When the record disappears. The information is removed at the same time as the decision to close the proceedings, and in other cases set out in Part 7 of Article 9.
Separately, the law sets an enforcement fee: for compulsory enforcement, the state enforcement officer collects 10% of the amount to be recovered and issues the decision on the fee together with the decision to open the proceedings (Article 27).
Step by Step: Enforcement Proceedings and Fines in Diia
According to the Diia notice on the processing of personal data, the app shows the number and opening date of the proceedings, the amount of the debt, the status of the proceedings, the state enforcement service body or private enforcement officer, and the claimant. For fines, it shows the number and date of the ruling, its status, the discount period, the type of offense and the amount. The steps are described based on a 2021 news item from the Ministry of Digital Transformation (Mintsyfry), so the names of menu items may have changed.
- Log in to the Diia app.
- Open the services section and choose “Enforcement proceedings” or “Fines for traffic violations.”
- Review the details: the number and date of the proceedings or ruling, the amount, the status and the enforcement officer’s contacts.
- Pay if the debt is genuine. According to Mintsyfry’s description, the debt can be paid right in the app.
- If the amount is wrong, contact the enforcement officer using the contacts in the proceedings details. Mintsyfry cited a case in which, because of an enforcement officer’s error, a person was charged UAH 775,000 instead of UAH 130,000, and it was Diia that helped to uncover this.
If you paid by mistake, Diia advises contacting the enforcement officer using the contacts in the proceedings details: they will give you an application for a refund. Bring your passport, your taxpayer ID number (RNOKPP) and a copy of the receipt. We explained in detail how to check and pay a traffic fine in our article how to check and pay a traffic fine online.
Why an Unpaid Fine Becomes Enforcement Proceedings
A fine must be paid no later than 15 days from the day the ruling is served, except in certain cases set out in the Code, and if it is appealed, no later than 15 days after notification that the complaint has been dismissed (Article 307 of the Code of Ukraine on Administrative Offenses, current version of 10 September 2026). If you do not pay, the ruling is sent to the enforcement service, and double the fine plus the costs of recording offenses are collected by compulsory procedure (Article 308). The debt will then appear among your enforcement proceedings.
Taxes: The Electronic Cabinet
The “Status of Settlements with the Budget” section of the Electronic Cabinet shows your personal accounts for taxes, levies and the unified social contribution (ESV) as of the moment you check. For each payment it shows the tax debt with a “-” sign (excluding penalty interest), the outstanding penalty interest, any fine not yet applied and the payment deadline. You can view previous years and a breakdown of transactions. Individuals pay the debt right from the cabinet with a payment card or by QR code.
The tax on residential property and the land fee for individuals are calculated by the tax authority, which sends tax notices-decisions (clauses 266.7 and 286.5 of the Tax Code, version of 17 September 2026). The “EC for citizens” mode has a register of such notices with the option to pay by QR code. For a sole proprietor (FOP), the same section also shows any ESV debt; contribution amounts for 2026 are in our article ESV for FOPs in 2026.
If you need official confirmation that you have no debts, submit an application for a certificate of no debt in the cabinet (form F1300306 or J1300306). According to the state services guide, the certificate is prepared free of charge within 5 business days. If the tax authority’s data shows a tax debt, ESV arrears or other debt, the certificate will be refused.
Loans: The NBU Credit Register
Under the NBU Credit Register rules, the register contains information on a debtor’s credit transactions if their total debt is UAH 50,000 or more. A person has the right to receive information about themselves and to demand that it be corrected or deleted if they disagree with it. You log in through NBU BankID; the information is provided in real time, free of charge and with no limit on the number of requests. The report is for information only and is not an official document. Without BankID, you can send an application to the NBU, including one signed with a qualified electronic signature.
How Much It Costs and How Long to Wait
| Check | Cost | Time |
|---|---|---|
| Enforcement proceedings and fines in Diia | Free | The data is shown in the app |
| Status of settlements in the Electronic Cabinet | Free | Data as of the moment you check |
| Certificate of no debt | Free | 5 business days |
| NBU Credit Register | Free, no limit on requests | In real time |
If You Find a Debt or an Error
- Enforcement proceedings. Contact the enforcement officer: their phone number and email are in the register of debtors record and in the proceedings details. Once the proceedings are closed, the record is removed from the register.
- A tax debt you disagree with. The private part of the cabinet has a “Correspondence with the DPS” section, through which you send letters and complaints to the State Tax Service (DPS).
- An inaccuracy in the Credit Register. You have the right to demand that the information about you be changed or deleted.
- Online does not suit you. An application for a certificate of no debt can also be submitted on paper to the tax office at your main place of registration.
Be careful with “debt notices.” Check your debts only in Diia, the Electronic Cabinet or on official websites, and do not pay using payment details from text messages, emails or messengers without verifying them. To learn about common schemes, read our article on bank card fraud.
Frequently Asked Questions
Can I check another person’s debts?
Yes, partly. The information in the Unified Register of Debtors is open and posted on the Ministry of Justice website (Article 9 of Law No. 1404-VIII). The status of settlements with the tax authority and the Credit Register report are available to a person only about themselves, after logging in to their personal account.
Can my account be blocked because of a debt?
Yes: among the measures of compulsory enforcement, the law names recovery against the debtor’s funds (Article 10 of Law No. 1404-VIII). If you are in the Unified Register of Debtors, the bank notifies the enforcement officer on the day it opens or closes an account for you, and the officer decides to freeze the funds no later than the next business day (Part 3 of Article 9).
What happens if I do not pay a fine on time?
The ruling will be passed to the enforcement service, and double the fine plus the costs of recording offenses will be collected by compulsory procedure (Article 308 of the Code of Administrative Offenses).
How much does it cost to check my debts?
Nothing. Viewing in Diia, the status of settlements in the Electronic Cabinet, the certificate of no debt and the NBU Credit Register report are all free.
When will the record disappear from the register of debtors?
At the same time as the decision to close the enforcement proceedings, and in other cases set out in Part 7 of Article 9 of Law No. 1404-VIII. The law names actual enforcement of the decision in full as one of the grounds for closing the proceedings (clause 9 of Part 1 of Article 39).
