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Source: Oleg Kharseev / Kommersant
It is not necessary to justify each ruble. Banks have denied the information they requested to justify transfers, even in thousands of rubles. On the eve of the media, some credit institutions block customers' transactions for small sums and require documents confirming the legality of the transfer. The subject has become one of the major social networks and the banks have had to explain it. "Kommersant FM" decided when the bank is blocking card-to-card transfers and can it ask the customer for additional information? Details – Grigori Kolganov.
This was of course not "black" Tuesday, but on the Internet, the banks were "black". "Do they take a lot?" – users of social networks were outraged. And all in response to Izvestia's publication about three Muscovites who transferred only a thousand rubles from a map to a map, but had explanations with the banks for hours and threats of blocking plastic. Mentioned Sberbank,
The three organizations stated that no request for documents was requested.
And Binbank said that if they block specific operations, it is only to protect the customer from fraudsters. "FM" said this employee
It turns out that the banks
Junior Director of RA Agency Expert Vyacheslav Putilovsky recalls: a law has recently come into force, according to which a credit institution is obliged to suspend a suspicious transaction for two days. Admittedly, this transaction must be really atypical for the customer.
For example, he visited Pyaterochka in Moscow, then an expensive restaurant on another continent. As a result, the bank has the right, after having blocked your payment, to request
some explanations to make sure you commit it.Vyacheslav Putilovsky
Junior Director of RA Agency Expert
Admittedly, the system does not always work as it should. The Muscovite Natalia was blocked by a small transfer to a close relative and the treatment of the problem took several minutes. But when true protection against fraudsters was needed, nothing was done there. "I made the usual transfer and the message came:" The transfer is blocked, call the bank ". Literally 10-15 minutes, the translation is gone. But what is most interesting, when I had a case with crooks, when I made a transfer and I needed to go back, nothing happened. That is to say that this whole story works on honest translations, and
In any case, the defrosting of a dubious translation is decided on appeal, without written explanation. Can banks still request documents confirming the legality of the transaction?
Yes, if a client is suspected of money laundering or terrorist financing, answers an independent badyst, former employee of a big bank, Anton Shabanov. But this rule applies to transactions of significantly more than 1,000 rubles, explained the expert: "For example, from one account to another, no matter where, large amounts are transferred, from at least 100,000 rubles. although, in reality, the limit in official documents is 300 000 rubles. If this amount is transferred without justifying the payment, the bank can completely block this transfer and ask you for information on why you are doing it, where you have received money, where it will go in the future etc.
How can we explain the resounding echoes of the press about the problems of transferring thousands of rubles? Maybe it's the excesses of the interpreters – the employees are zealous, hoping for rewards for example. What to do in such cases? The central bank advised to complain to him
According to the national system of card payment, since the beginning of the year, the Russians have transferred to each other more than 3.5 billion rubles. It's one and a half times more than in 2017.
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