Centrobasket: Sergei Karpukhin / Reuters
Banks began to seek their clients confirmation transactions for small amounts. If the person does not provide justification for the transfer, the card may be canceled, according to “Izvestia”.
Customers of the Bank, Tinkoff Bank and Sberbank told the newspaper that after carrying out operations in the amount of one thousand rubles, they were contacted by representatives of the Bank and demanded to send a number of documents justifying the transfer. Card holders need to provide written justification of the economic substance of transfer of funds, the documents confirming the origin of money, as well as a written explanation of the purpose of spending funds from the card. The preparation of the papers was assigned to three days, otherwise the card blocked.
Therefore, banks compete with money laundering, terrorist financing and tax evasion. The centerbank explained that the Bank has the right to suspend the transaction and to contact the owner of the account for clarification only if it considers that the card is captured the attackers. This may indicate a mismatch amount or frequency of transfer is typical behavior of the card holder. But even in this case, the Bank should not request a written justification of the operation. It is enough to obtain from the customer confirmation of money transfer or a waiver of payment.
Experts note that the requirement to provide supporting documentation for the transfer between individuals violates the law. The Central Bank says that complaints of mass lock cards did not arrive, and offers in such situations to report on their claims in the Internet-reception of the Central Bank.
Video, photo All from Russia.