The introduction of new regulations by the Bank of Russia has led to a sharp increase in user dissatisfaction due to frequent blocking of transfers.
According to Informzaschita, the number of complaints for the first quarter of 2025 increased by 30% compared to the same period last year. The main complaints are related to restrictions on transactions when using new devices or unusual payment scenarios.
Since July 2024, credit institutions have been required to suspend suspicious transactions for up to two days if the recipient is listed in the Central Bank's database of fraudulent accounts or the transaction meets extended risk criteria. To minimize financial liability, banks have tightened limits: checks are now triggered for amounts from 10–15 thousand rubles instead of the previous 30–50 thousand. Additional restrictions apply to transfers to cards opened less than 90 days ago and require multi-factor authentication.
Customers face blocking even routine operations. For example, attempting to transfer via the web version of the bank from a new computer may result in a complete blocking of the online account. In extreme cases, all user accounts are blocked — a similar incident occurred with a pensioner who lost access to finances. On forums like «Банки.ру», users complain that the system cuts off up to half of transactions, including transfers between their own accounts.
Positive Technologies notes that banks are forced to balance between security and convenience. The tightening of checks increases the burden on customers, who now more often need to confirm the legitimacy of payments, and also increases the operating costs of credit institutions.
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