Situation · MONEY & BANKING

“My Canadian bank wants source-of-funds documents for money from Ukraine?”

The short answer: A source-of-funds review from your Canadian bank can be answered with a documented evidence chain from Ukraine. Sale contracts, inheritance certificates, income records, and registry extracts — apostilled where needed and translated into English — form the standard package. The main caveat: the bank's request letter governs everything, and answers built on guesses about what they want tend to trigger a second, harder round.

Bank froze a large transferAccount review in progressWire from Kyiv under questionThey want proof within a deadline

Describe your exact situation →

What this situation usually means

Behind the formal language, the bank's question is simple: show that this money comes from an identifiable, lawful origin and that the person sending it is connected to you in a documented way. The work is assembling that story from Ukrainian documents to the standard a Canadian compliance team reads, with translations and certifications attached in the format they expect.

Questions that determine the route

What exactly is on the bank's request — a document list, a deadline, a specific transaction?
What is the origin of the funds: property sale, inheritance, savings, business income?
Are the underlying Ukrainian documents still available, or do they need to be retrieved or re-issued?
Did the funds travel through intermediate accounts that also need explaining?

Likely route

My Canadian bank wants source-of-funds documents for money from Ukraine

STEP 1

Request decoding

We read the bank's letter line by line and map each item to a document or an explanation, so the answer addresses what was actually asked.

STEP 2

Evidence assembly in Ukraine

The origin documents — sale contract, inheritance certificate, registry extracts, income records — are collected, re-issued where needed, and notarized.

STEP 3

Certification and translation

Documents receive Ukrainian apostilles where the bank expects them, and a certified English translation stapled in the format compliance teams accept.

STEP 4

Packaged answer

The evidence goes to the bank as one coherent package: a cover explanation, the document chain in the order of the money flow, and contact points for follow-up questions.

STEP 5

Follow-through

We handle clarification rounds with the bank and refresh any document whose validity window expires during the review.

What usually has to happen

The bank's request is decoded into a concrete document and explanation list.

Ukrainian origin documents are assembled with notarization and apostille where required.

Certified translations make the file readable to the compliance team.

The package is submitted in the money-flow order the bank can audit.

Clarifications are answered until the review closes.

What can complicate the matter

A partial answer that explains the transfer without proving the origin, inviting a deeper review.
Ukrainian documents with name spellings that differ from your Canadian banking profile.
Missing intermediate steps — an account the money passed through that is left unexplained.
Translation done informally, which many banks refuse as a matter of policy.

What LexRoota coordinates here

Decoding the bank's request into an exact evidence list.

Retrieval and re-issuance of the Ukrainian origin documents.

Apostille, certified translation, and packaging of the full evidence chain.

The cover explanation and the clarification rounds with your bank.

Document refresh cycles if the review outlives a validity window.

Common questions

Why is my bank asking about a legitimate transfer?

Canadian banks run required anti-money-laundering reviews, and cross-border transfers from certain corridors get extra attention regardless of who the client is. A well-built evidence package turns the review from a standoff into a formality.

Will the bank accept scans, or does it want originals?

Practices vary by institution and by review type. Many banks start with digital copies and reserve originals for specific requests; we confirm the accepted format with your bank before the courier step, so nothing is wasted.

Can the review close my account anyway?

Banks make their own account decisions, and a complete, well-documented answer is the strongest protection you have. What we control is the quality of your file — the decision belongs to the bank.

What does building the package cost?

Costs depend on how many documents the chain needs. As anchors: apostilles run about $140 CAD per document on the Canadian side and comparable fees in Ukraine, and translation plus delivery typically adds $120 CAD per package.