The regulator will start asking to the data banks on all money transfers between people.
The Russian financial regulator has sent banks a new declaration form regarding citizens' money transfers.
According to the updated documents, the Bank of Russia will request information on all transfers between individuals, including the personal data of the sender and the recipient.
According to experts, such a measure is necessary to combat illegal online casinos, crypto exchangers and businesses that accept personal card payments.
RBC writes about this, referring to three sources in the payments market.
As Oleg Mashtalyar, the deputy head of the board of directors of Sovcombank, told the publication that the Central Bank of the Russian Federation will start such monitoring as of January 1, 2022.
The main objective of the innovation will be to optimize the data provided by banks, as well as to obtain up-to-date information on payments.
The information will be used for market analysis.
Depending on the details, the reporting will include all incoming and outgoing transfers between individuals:
- from card to card;
- from account to account;
- from electronic wallet to electronic wallet, from card to wallet and vice versa;
- from the subscriber & # 39; s wallet or card account and vice versa;
- payments through the fast payment system;
- cross-border transfers by individuals;
- money transfers without opening an account, including through payment terminals;
- transfers from an individual between their own accounts in a bank;
- transfers via money transfer systems eg Western Union, CONTACT.
Requests will start to form for all transfers within a certain time frame.
In some cases, the regulator may receive information on specific transactions.
The Central Bank of the Russian Federation notes that over 9 months of the outgoing year, the Russians transferred around 42.5 trillion rubles to each other by cards. About 8.5 billion transactions have been completed.
Above all, Sberbank is present in the market in this regard, thanks to which more than 0.8 billion transfers worth 4.7 trillion rubles have been made since the beginning of 2021 .
According to experts, such control by the Central Bank of the Russian Federation is aimed at tracking suspicious transactions, which include:
- An unusually high number of people both as payers and fund recipients (more than 10 per day and more than 50 per month).
- An unusually high number of credit and debit transactions (more than 30 transactions per day).
- Large volumes of debit and credit transactions of funds between individuals (more than 100,000 rubles per day, more than 1 million rubles per month).
- The card or wallet is not used to pay for goods or services.
Previously, TopNews wrote that the tax office has started tracking data on Russians' accounts.
According to experts, innovations will hit the pockets of independent citizens.
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