If I open an account with Sberbank, will they block it. How to avoid blocking a bank account: instructions from Sberbank. New technologies for analysis

In social networks, they began to spread with renewed vigor messages that the credit organization had gathered in a "crusade" against clients. Users send information to each other, which speaks of toughening the rules for transferring money between individuals. But you can't believe it.

Anonymous authors claim that now there are allegedly checks on the acceptance of money for commercial activities. calls those who transfer funds. Revisions end both of those who transferred and those to whom the funds were received. This is followed by fines and questions from the tax office.

A year-long information attack

It is useless to warn people, everyone will simply be confused. The check on all cities is very powerful. First-hand information, - assure the authors of the stuffing. They also state that this applies primarily to individuals and their income.

In the video, the TV presenter says that if the client fails to explain the origin of the money at Sberbank, they will "burn out" in his account. The video also refers to FZ-115 ("On Counteraction to Legalization (Laundering) of Criminally Obtained Incomes and Financing of Terrorism"). According to the law, all transactions in the amount of more than 600,000 rubles are checked.

The account can be blocked when withdrawing or depositing a smaller amount or when transferring funds to it. The system also focuses on receipts from dubious sources: anonymous wallets, frequent and stable transfers from the same client, the video says.

Reported about "massive blocking". Their reason is that now Sberbank has automated the verification of transactions by opening a Data Processing Center (DPC) in St. Petersburg. Previously, this function was performed manually by operators, much passed their attention. The new system promises an error of 10%.

A year ago, Sberbank has already come under an information attack. The text of the message of anonymous authors is one-to-one similar to the current one. Then the official representatives of the credit institution said that blocking the cards of the sender and recipient of the transfer is possible only if incorrect information (name, code word, passport data, etc.) is provided when the transaction is confirmed by voice. In this case, only the client himself acts as the initiator of the call.

The bank does not block customer accounts, but it may restrict remote account servicing or refuse to perform an operation if its economic meaning is unclear. Banks are obliged to analyze the transactions made by customers, according to the criteria established by the Bank of Russia, the Tatarstan press service replied.

The reply explains that information on refusals is accumulated by the Central Bank in a single list and is brought to the attention of all credit institutions and that it can be taken into account by other banks when assessing the client's activities on the account.

City horror stories about financial horrors

Sberbank opened a data center in St. Petersburg back in 2011. In addition, FZ-115, which obliges to recheck transactions of 600,000 rubles or more, was adopted in the current version of the Fed Law back in 2010. But the very amount of 600,000 rubles appeared in the law earlier - in 2002.

Rumors that Sberbank is massively blocking customer cards have been circulating for at least a year. Sometimes it seems to me that this is what we have modern content urban legends, horror stories, since these stories are not really confirmed, - says the head of the portal "Financier" Anastasia Poteokina.

At the same time, the expert continues, there are card locks, with which well-meaning citizens, though not without inconvenience, but quite simply cope with - they call, spend time and in the end they still achieve unlocking. Similar procedures on the same grounds (everything within the framework of FZ-115, instructions and letters based on it from the Central Bank) are performed by others commercial banks.

Just by the law large numbers Sberbank is more noticeable against the general background. He really checks. All banks are checking. Just so far, attention is focused either on large numbers or on frequently repeated operations with a large number of transactions, - Anastasia Potekina is sure.

The bank is not interested in blocking cards or customer accounts

There is such a thing as bank secrecy(Article No. 26 of the Federal Law "On Banks and banking"), Through which banks can transfer information about transactions, including those of individuals, federal authorities executive power, for example, the Federal tax office, at their own request, - says an analyst at IFC Markets Dmitry Lukashov... According to him, Sberbank itself is not interested in deteriorating relations with its customers, so the stuffing in social networks cannot be trusted.

If the tax authority is interested in the client, then it cannot be ruled out that certain operations will raise questions from it. However, the bank itself, even the state one, is not interested in independently performing these functions of the Federal Tax Service.

The expert cites two arguments in support.

First, providing information will alienate customers who, even if they have nothing to hide, are more likely to choose commercial Bank, albeit on a smaller scale.

Secondly, the bank is not interested in blocking cards or customer accounts, since its income is generated, inter alia, at the expense of the commission for servicing the customer's operations.

That is, it cannot be ruled out that the Federal Tax Service can receive data from banks on customer transactions simply because federal legislation allows it. However, it is rather strange to say that any market participant, by virtue of his conscientiousness and independence, has declared a "crusade" against his own clients.

I would advise clients not to believe rumors, but to be vigilant for the above reasons when performing transactions, - Dmitry Lukashov advises.

Any person who at least once used the services of a bank knows very well that each bank card has its own bank account, which contains funds. The card, in this case, is something like the keys to the safe with money, which, if necessary, can be quickly changed to new ones. Today, July 24, 2018, Sberbank for the first time named ten actions leading to the blocking of a bank card and, of course, the account to which it is linked.

All voiced actions lead to the fact that the client is included in the list of suspicious, moreover, automatically. These reasons for blocking apply not only to individuals, that is, ordinary customers, but also to legal entities. The more rules a client violated, including by accident, the higher the likelihood that his bank card and account will be blocked. If you commit five conditionally prohibited actions at once, then there is a high probability of getting into the "black list" altogether, as a result of which you can forget about Sberbank forever.

In order not to get into an unpleasant situation, you should not perform any of the actions that are regarded by the credit institution as suspicious. Most likely, these rules are guided not only by Sberbank, but also by other banks, including Alfa-Bank, VTB, Otkritie, Tinkoff Bank"," Post Bank ", as well as a number of others. By avoiding these actions with a 99.9% probability, you can save yourself from blocking accounts and cards.

Ten actions for which a bank card and account will be blocked:

1. Regular issuance of large amounts from the current account for other purposes;
2. One-time withdrawal large sum that has just been credited to the current account;
3. Repeating transactions of the same type for the withdrawal of large amounts;
4. Using a business card to withdraw cash;
5. Cash receipts and withdrawals carried out on the same day;
6. Withdrawals of funds for other purposes that are disproportionate to the conduct of business;
7. Operations without economic sense(example: payment of a six-figure salary in a company with zero accounting);
8. Numerous deposits opened for short periods (up to a month), which the client closes, withdraws money in cash;
9. Transfers made for no apparent reason to accounts of another bank, where worse conditions apply ( low rates on deposits, high commissions etc.);
10. Operations for which it is impossible to establish the parties to the transaction.

Most often, the blocking occurs at the very moment when the Sberbank client received a large amount of money and instantly (within 1 - 3 days) decided to withdraw it from the account. You should never do this, because this leads to undesirable problems, including the fact that the credit institution can transfer information to the tax office, which will check the payment of taxes. In this case, you will have to strive not only to unblock accounts and bank cards, but also to give explanations to the employees of the Federal Tax Service about the origin Money.

Transferred money to your account for the sale, for example, of a car, or returned large debt and now - the account is already blocked. And until you tell, and most importantly, you do not prove by official documents that these funds were obtained legally - the road to them will be closed to you.

But if you cannot confirm transparency, the amount will simply burn out. This is how Sberbank's security robots work. So far 80% of complaints are from his clients, but others are coming soon. credit institutions will take this system into service.

Causes

Let's start with why your accounts or transfers can be blocked at all. First, for your own safety. For example, if access to money is requested from abroad. Therefore, you need to warn the bank about foreign trips in advance, or at least have a working person with you. mobile phone... The operation may not be carried out if you are paying for the services of some foreign company for the first time, which the bank considers unreliable. You will also have to call and confirm the transaction.

The second possible reason for blocking is requirement 115 of the federal law on combating money laundering and sponsoring terrorism. According to him, banks are required to check all transactions over 600 thousand rubles and not only. The account can be blocked when withdrawing or depositing a smaller amount or transferring funds to the account. The system also focuses on receipts from dubious sources, for example, anonymous wallets. Or frequent and stable transfers from the same client.

According to the same parameters, the third article is also checked, according to which the work of the account can also be suspended. This is undeclared income from which you do not pay taxes. So, at the request of the bank, you will have to provide documents confirming the source of the money. The term for consideration of your certificates is from two to five days. But even after the procedure, the bank may make a negative decision to unblock. Citing the fact that the papers do not explain the economic meaning of the operation.

As it was before?

So, massive blocking that have begun now are due to the fact that the screening procedure was not automatic before. Suspicious transactions were processed by the operator and made a decision on blocking. Moreover, the filter was much softer. Just because human resources would not be enough to analyze all the millions of transfers. Now Sberbank has acquired super computers. The data processing center is located in St. Petersburg. Computer program analyzes millions of daily operations and makes an intelligent selection.

It also studies those with whom you most often make mutual settlements, your income and other information, and makes a decision on blocking. And the system error of everything, attention, 10%. That is, the vast majority of the owners of blocked accounts were really, as they say, not without sin. Sberbank representatives said that the System has been implemented, it is working and will not slow down.

Draw conclusions

Thus, the era when it was possible to transfer money to each other for apartment renovation and even for the provision of manicure services at home is over. Now these are traceable signs that you will have to answer for later.

Try not to withdraw large sums to bank cards (any), if you have already transferred, do not run like a horse to withdraw them immediately, so that later you do not prove to the tax office that you are not a camel.

For online transfers, use anonymous payment system Advanced Cash.

P.S. On June 28, 2018, Vladimir Vladimirovich Putin signed a law (see here), where he gave the right to banks to officially block cards and e-wallets. The official goal is to combat theft and fraud. How it will actually be - time will tell.

Three days to report

Recently, banks have simply "become insolent" and have begun to block transfers of even 1000 rubles! And they began to demand from the client to provide a report in three days. And not only about this operation, but in general about all movements of money in the account. Clients of B&N Bank, Tinkoff-Bank and Sberbank faced such a problem. Allegedly, in this way financial institutions trying to resist illegal schemes and fraud - for example, tax evasion by entrepreneurs.

However, such actions of banks violate a number of articles of Russian law. When blocking a card for such small transfers, feel free to contact the reception The Central Bank and even to the court, because you could have transferred this money for medicines to a relative or friend, imagine what consequences this will bring to the bank if your relative does not buy medicines on time.

The maximum that is within the competence of the bank is to receive confirmation from the client that the transfer is made with his consent. And then, if the amount exceeds 600,000 rubles (according to the current legislation - which was confirmed by financial intelligence and Rosfinmonitoring), all other actions of the bank are illegal.

For reading 9 min. Views 26.7k.

News today is full of headlines that Sberbank is massively blocking cards for money transfers. Users note that thousands of clients who receive Money transfers... They receive a "block" from the bank and can no longer carry out operations, and their money "burns out". Can the account be blocked permanently or is this a temporary measure?

What can customers expect?

According to information in the media, payment cards are blocked. Sberbank made an official statement and denied this information. The sanctions are not massive and are applied only to those clients who violate the provisions of Law 115-FZ.

Banks must verify all transactions and identify those related to money laundering, obfuscating payment schemes and hiding the true recipients and senders of money.

You will need to provide documents confirming the legality of the translation. Calculations are checked especially carefully legal entities. For individuals do not be afraid of close attention in tracking transfers from the bank. But there is still control over the transfers of individuals - keep this in mind.

Why can they block the card

Freezing of the card can occur automatically, at the request of the holder and at the discretion of the bank. Consider all the possible reasons and conditions below - violation of which threatens with blocking and proceedings with Sberbank.

Suspicion of fraud

This is the most common scenario in which blocking occurs for security reasons. If there are any suspicions that the criminals have gained access to the account and are trying to illegally write off the money, it will be blocked. This will be testified by:

• making transfers for large amounts;
• non-standard payment schemes;
• a sharp change in activity on the map.

If the client explained for what services or goods he made transfers and proved the legality of the actions, then access will be restored. For such caution, you just need to say "thank you".

Using an account in illegal business activities

Frequent transfers from different individuals may lead to the idea that the account is being used illegally for profit.

It can be:

• receipts or transfers of amounts over 600 thousand rubles;
• sending funds abroad;
• systematic transfers for questionable transactions and goods that are not confirmed by appropriate documentation, etc.

If insignificant amounts are received from different payers, then no one will be interested in this card. But if there are large turnovers on the account, then this is a direct tax evasion. The bank can refuse service, block the card and Sberbank online.

Incorrect PIN entry

If the wrong PIN code was dialed three times on the card, the card will be blocked automatically. After a day, you can work with plastic again.

Unpaid loan debt

When applying for a loan, you need to carefully read the contract. It says that when untimely introduction debt, the bank has the right to write off funds from debit cards and block them. The same sanctions apply in the absence of transfers to credit cards.

A message from an unauthorized person about the discovery of a means of payment

This case implies a temporary blocking. Until the owner comes to the office with the documents, there will be no way to “unfreeze” the account.

Expired term

Each means of payment is given for a specific time. It can be 1, 2, 3 or more years. After the allotted time, the card is canceled and the account is blocked. The remaining money remains in full and can be withdrawn after the release and receipt of new plastic.

The court's decision

Seizure is imposed if the client is overdue government bodies, a bank or a counterparty, and there has been treatment with statement of claim to court. After a positive decision, the account is blocked, the money is frozen. The client will receive a preliminary notification.

Negative balance

Such deactivation is relevant for credit card if funds are not credited to the account on time. And this is not the only nuisance - in addition, interest will be charged. The faster the client repays the debt, the less material losses he will suffer.

Receiving a new card

After receiving the plastic in the bank, to start using it, do not forget to activate it. To do this, simply insert the product into the ATM and enter the PIN code. Only some Sberbank cards are activated automatically, but for this you will have to wait a day.

Owner's request

The client's desire is the law. If the cardholder informs the bank employee that he wants to deactivate it, then in the absence of a negative balance, difficulties will not arise. The operator will certainly take an interest in the reason for this decision. It is often theft or loss of a product. But, even in the absence of a compelling reason, no one has the right to force a person to abandon the blockage. It can be done by phone, online and at the branch.

After the death of the client

The bank is obliged to block all accounts of the owner in the event of his death. In practice, however, this can be delayed because Sberbank does not always receive such information in a timely manner. Blocking is necessary so that outsiders cannot use the accounts of the deceased, this applies even to the closest relatives. Further, the law on inheritance should distribute the property of the deceased among the applicants for the inheritance. There is also a risk of obtaining a loan for the deceased.

How to find out the reason for freezing

After deactivating the card, the holder receives an SMS, in which the unpleasant news is reported. Sometimes a reason is given, but there are exceptions. In such cases, you can find out the details:

1. By calling hotline... For this there is single number, the call to which is free from any phone - 88005555550.
2. By visiting the Sberbank office. The operator will review the information and answer all your questions. If possible, the problem will be eliminated immediately.

What to do and how long will the blocking last

The duration of the freeze depends on the cause of the incident.

1. If the validity period has expired, the account will become active after the plastic is reissued. You need to come to the office and apply. Another option is to do it online at home. The card production process will take 1-3 weeks.
2. If you block on your own, you will have to go to the office. You can do it in an hour or even a few minutes.
3. If the reason is debt on a loan, the problem will be solved by paying off the debt. This is done at any bank branch, in a terminal or via the Internet. The unblocking time depends on the debtor. After making the required amount it will happen in a day.
4. If you enter the wrong code at the ATM, you can use the payment method again after 24 hours. You don't need to do anything, the client's task is to wait a little.
5. When suspicious activity becomes the reason, work with the card will resume after checking the holder's data. It will take both half an hour and an hour, it all depends on the speed of the client's arrival at the bank and the actions of the operator.

There have always been such checks. Financial institution monitors customer settlements to identify transactions related to crime and money laundering.

What will happen to the money

After freezing, all funds will remain in place. It will become possible to use them after the removal of all restrictions.

Keep in mind! If the card is blocked due to unpaid debt, there will be no refund.

If you are faced with a card blocking, we also advise you to read the articles, which have more detailed information on the topics:

Will there be a service charge for blocking?

Since the blocking does not imply the complete closure of the client's card account, but this is just a temporary measure that may have the opposite effect. In this case, the fee is debited according to the tariff conditions for servicing the Sberbank card.

If the Sberbank card is closed, the subscriber fee is not debited.

As it was before?

The Central Bank has long set the task for the wards to make every effort to stop illegal operations. Earlier in Sberbank, such work was carried out in manual mode.

A whole financial monitoring department independently checked the transactions of clients. It was impossible to cover all the calculations. Therefore, the bank has implemented automated system, which processes hundreds of transactions in a few moments and filters out suspicious ones. Further, the financial monitoring employees check them and make a decision to block the account. Now it will be very difficult to hide the criminal scheme and cash out.

How to unblock a card

If your Sberbank card was blocked for suspicious transactions, in this case it is necessary for the bank to prove its innocence. For this:

• call the Sberbank hotline and ask the operator what you need to do to unblock the card. You will be sure to carry out identification to make sure that you are the owner of a bank card.
• you can contact the manager at the nearest branch of the bank. Most likely a written request will be required.
• you will definitely need to provide documents on suspicious transactions.

The client needs to confirm the validity and legality of the transactions. For this, the following documents are suitable:

• receipts and receipts for banking operations(transfers or payments);
• invoices for which there was payment for goods or services provided;
• lease, purchase and sale agreement, etc .;
• IOUs and payrolls.

Original documents are best suited for this. this least of all raises questions from the verifiers about the authenticity. If it is not possible to provide the originals, copies certified by a notary will do. The application will be considered in 2 - 3 working days.

Additionally, they can request information about the origin of the money!

It is important to go to a meeting with the bank and show your interest in solving this situation. Do not under any circumstances ignore requests, even if you cannot provide the requested documents. Try to explain the reason, it is quite possible that the bank will consider it objective and will also meet with you to resolve the issue.

In some situations banking organization sends his request to the branch where the frozen account was opened, or a plastic card... In it, the head office sets a requirement to obtain information and documents confirming the legal origin of funds in the client's account or their withdrawal.

How to avoid blocking?

If a client uses a card for business, but does not want to register an individual entrepreneur, then he needs to be careful. With a lot of activity, blocking the account cannot be avoided. You need to either run your business legally or work for cash. When crediting cash to large sums you need to provide the bank with supporting documents: a purchase and sale agreement, an agreement for Bank deposit etc. But you should not do this in advance. Only when the bank is interested will you bring the papers.

There will be no deactivation if you avoid:

• multiple operations per day;
• transfer of large amounts;
• withdrawing funds in different places (if the client previously constantly cashed money in the same place, and then abruptly changed geographical position, then the bank will decide that the account was taken over by a fraudster);
• loan delays;
• entering the wrong PIN code at the ATM.

What to write, so that they would not be blocked

If you buy tickets for a plane, train or something like that, then write in the appointment of the transfer - this will cause less suspicion.

Advice: when returning a debt, it is better not to indicate this when transferring money.

Conclusion

Based on the above material, the following conclusion can be drawn. You should not give in to panic. The financial institution does not block cards in large quantities. These cases are isolated. The bank has previously checked the operations of clients and, if there are suspicions of their legality, asked the appropriate questions. But for many, this turmoil is a reason to think and make business legal. Sooner or later, checks cannot be avoided.

After the anti-money laundering 115-FZ came into force, business is no longer surprised by blocking of company accounts and “black” lists. Largest bank countries "Sberbank" on its official website marked a small educational program and explained what is "good" and what is "bad" in his opinion. If your bank account has been blocked, then, perhaps, for one of the reasons listed above.

“It is important for us that cooperation with clients is successful and fruitful. That is why we have prepared several recommendations, following which will allow you to work calmly and avoid blocking the current account, and for us - to create the maximum comfortable conditions for your service in the bank ”- write on the official website of the organization.

Correct actions and tools

1. Connect a salary project and credit the salary to bank cards

2. Issue business cards for yourself and your employees - this way it will be more convenient for you to pay the expenses of the organization

3. Get cash from the account at the bank's cash desk and be sure to indicate for what purpose you are withdrawing money

4. Withdraw funds for the founders of the company through the payment of dividends

5. Pay taxes at least 0.9% of the turnover on your account

6. Pay for expenses with a business card or by invoice, rarely withdraw cash

7. Fill in the details of payment

8. You work according to the selected OKVED codes and promptly inform the bank if they change

9. Inform the bank about all changes in your company (change of CEO, address, etc.)

10. To check new partners, use the Counterparty Checker Service or other open sources

11. Provide information and documents on time at the request of the bank - within 7 working days

12. Reflect in your payments economic activity organizations (rent, etc.)

Wrong actions

Surprisingly, there were even more of them than the correct ones.

1. Regular issuance of large amounts from the current account for other purposes

2. One-time withdrawal of a large amount that has just been credited to the current account

3. Repeating transactions of the same type for the withdrawal of large amounts

4. Using a business card to withdraw cash

5. Operations of receipt and withdrawal of cash, carried out on the same day

6. Withdrawals of funds for other purposes that are disproportionate to the conduct of business

7. Operations that do not make economic sense (example: payment of a six-figure salary in a company with zero accounting)

8. Numerous deposits opened for short periods (up to a month), which the client closes, withdraws money in cash

9. Transfers made for no apparent reason to the accounts of another bank, where the worst conditions apply (low deposit rates, high commissions, etc.)

10. Operations for which it is impossible to establish the parties to the transaction

The bank separately notes that your actions attract attention if:

11. Do not pay taxes in our bank (perhaps pay from an account in another bank, but we do not know about it)

12. Indicate incomplete, incorrect data in the purpose of payments

13. Make payments that do not correspond to the selected activities

14. Interact with dubious counterparties whose activities are not transparent to the bank and who may affect your reputation

15. On the current account, you accept payments for services and goods with the allocated amount of VAT, and you make outgoing payments without VAT, or their volume is incomparable

16. Ignore the bank's questions, answer out of time

This list ends with the phrase "Make your business more transparent." But for me personally, some of the points caused bewilderment. For example, what is illegal about paying taxes from the accounts of another bank or transferring money to the accounts of banks with “worse conditions”?

For those in the tank ...

From September 1, 2016 began to operate new edition Anti-money laundering Federal law No. 115-FZ. The law was passed with the best of intentions, but everything worked out as usual. The law obliged banks and other financial institutions to analyze monetary transactions their clients and make sure that there is not something bad. In this work, commercial banks use the instructions of the Central Bank, which lists the signs of suspicious transactions. You can familiarize yourself with them.

If a deal falls under at least one sign, then it is blocked, and the company is blacklisted. If a company is included in this list, then, in fact, business in the future can be given up. Even a single failure denies the client access to banking services and multiplies subsequent locks.

The recommendations, as the names suggest, were of a “recommendatory” nature. However, banks began to execute everyone indiscriminately, fearing sanctions against them from the Central Bank. The current practice of using Federal Law 115 in the activities of banks and regulations The Bank of Russia on this topic implies a serious responsibility of banks and their employees to comply with the law. This leads to a conflict of interest - if the decision is justified and made on the basis of correct criteria, then the bank is right. If the bank's decision is wrong, then it will be sanctioned by the Central Bank and we will return to the previous level. In 2017, 700 thousand accounts were blocked. Both company accounts and individual entrepreneurs, and individuals.