The expert warned about the risks of transfers through the SBP and other systems

Even small and regular transfers can be considered illegal or suspicious by banks, which can lead to account blocking and law enforcement proceedings. Ekaterina Kosareva, managing partner of the VMT Consult agency, told Izvestia on March 27.

"Illegal transfers are those related to crimes and other violations of the law, mainly No. 115-FZ on laundering and legalizing criminally obtained funds. Banking systems automatically respond to certain formal signs and, based on their amount, recognize the operation as suspicious or illegal. Among them, for example, the presence of one of the parties in the register of persons who have already been caught in questionable transactions. Or a suspicious device has been detected that has already participated in fraudulent activities," the economist explained.

Some signs are more controversial and may lead to unjustified blockages. These include transactions that are atypical for the client, transfer amounts, region, or time of the transaction. Special attention is paid to large-scale transfers to "myself" through the SBP system, followed by sending funds to third parties with whom there was no interaction before.

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Why can transfers to oneself become a reason for additional checks by the bank

In addition, banks and tax authorities also monitor regular receipts, as if a person were being paid for goods or services, but he is not registered as an individual entrepreneur or self-employed. For example, the same amount for renting an apartment. Even small transfers, such as parent committee meetings in schools and kindergartens, are at risk of being blocked.

Also, according to Kosareva, the systems pay attention to signatures for transfers. Mentioning drugs, illegal products, or even joking phrases like "a bribe" can lead to litigation with the bank and law enforcement agencies.

Among the most common bank transfer fraud schemes, experts identify: transferring funds to a "secure account", providing your card to droppers, erroneous transfers requesting a refund to another card, phishing links and social engineering, such as requests to donate funds to a sick child.

Alexander Khaminsky, a lawyer and head of the Law Enforcement Center in Moscow and the Moscow Region, told Izvestia on March 5 that it had recently become more difficult to withdraw cash from ATMs due to anti-fraud measures. According to him, banks may consider suspicious frequent transfers to a large number of recipients, instant transfers of funds received, transactions for large amounts without explaining the source, transactions in atypical locations, as well as the use of a personal business card without obtaining self-employed or sole proprietorship status.

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