Starting February 1, citizens who receive housing subsidies in Ukraine will no longer be able to pay for their utility bills with cash. The funds will be credited to the subsidy recipient's bank account, or if they do not have one, to Oschadbank. The recipient will then need to withdraw the money and open a personal bank account in order to transfer the money to the utility companies. Starting February 2023, Oschadbank will no longer transfer money to utility providers, meaning that citizens will have to withdraw the funds and pay for housing and communal services directly to the utility companies and organizations. Pensioners will still receive their subsidies through Ukrposhta offices on the day of pension payment.