When making transfers via the SBP, you will need to specify the INN. What does this mean?

When making money transfers through the Fast Payment System (SBP), you will need to indicate your INN starting from July 1. Banks will have to be responsible for transmitting this data, and customers will not have to provide their own tax number. This measure is being introduced to combat droppers and scammers. What you need to know about the INN and the upcoming innovation, and how it will work in practice, is in the Izvestia article.

What is an INN?

• INN is a taxpayer identification number. This is a unique code that is used to identify individuals and businesses. Unlike most types of personal data, such as a name or passport number, once assigned to a specific citizen or company, the INN cannot change and therefore is a reliable prerequisite for establishing identity or belonging to an organization.

• Individuals receive an INN from birth. It contains 12 digits. The first two are the designation of the region code in which the INN was issued, the next two indicate the number of the tax inspectorate that assigned the number. The fifth to tenth digits are the taxpayer's serial number, the last two are verification numbers. If a citizen is an individual entrepreneur or self-employed, he also uses his personal number.

Barrier roar: who may have their accounts blocked in May

What mistakes do taxpayers make most often?

• You can find out the INN of a Russian citizen using his passport data through the service of the Federal Tax Service (FTS). Your own number is also available through Gosuslugi. You can order a certificate of registration with the tax authority from the tax inspectorate, which will indicate the INN, and also ask to put a mark with the number in the passport.

• The INN is needed to perform a number of actions when interacting with government agencies or private organizations. You will need it when buying real estate, applying for a loan, applying for a job, receiving a tax deduction, concluding contracts and submitting reports to the tax inspectorate.

INN for SBP transfers

• From July 1, 2026, the transfer of the INN will become mandatory when making transfers and payments through the Fast Payment System (SBP). The measure is being introduced to counter droppery, which has been a criminal offense since 2025. It is believed that the INN is the most reliable way to identify both the recipient and the sender of the payment.

• The banks through which the transfer is carried out will have to deal with the transfer of the INN. Customers will not have to manually fill in the banking details themselves with each transfer. Banks already have this information and will be able to insert the INN into the payment order automatically. The obligation to indicate the number is assigned to financial organizations, not citizens. The new requirement will not slow down the speed of transfers in any way.

• If for any reason the bank does not have information about the INN, the client will be required to update his data. Now banks are already required to keep user data up-to-date and own a TIN in order to inform the tax service about opening accounts. Until the INN is specified, banks may refuse to make the payment and initiate customer verification.

What will the transfer of the INN lead to?

• Specifying the INN for transfers via the SBP should help the National Payment Card System to detect suspicious transfers from one person, even if he distributes them to different accounts in different banks. It is a common practice among droppers when they distribute stolen money to different cards in small amounts so that each individual bank does not consider transactions carried out on them suspicious. Using an INN will make transfers more transparent and avoid this practice.

• Experts note that so far we are not talking about the exchange of information between the Federal Tax Service and the NSPK. It has only been confirmed that the INN will be exchanged between banks. Integration with the tax service is currently not provided. However, in the future, the Federal Tax Service may have the opportunity to find out about undeclared income by monitoring transfers and identifying certain cyclical patterns in receipts. At the moment, the Federal Tax Service can receive information on the movement of money at the request of regulatory authorities.

When writing the material, Izvestia talked and took into account the opinions of:

• Alexander Khaminsky, lawyer and head of the Law Enforcement Center in Moscow and the Moscow Region;
• lawyer of the Moscow Region Bar Association, mediator of the Moscow Chamber of Commerce and Industry, Yana Kovalevskaya.