Russian banks are increasing scrutiny of transfers, so it is important for customers to correctly оформлять payments to avoid blocking funds. This was announced by Andrey Sirotkin, Senior Lecturer at the Department of Banking at Synergy University.
According to the specialist, financial organizations pay special attention to operations involving large sums — starting from 200,000 rubles, as well as multiple transfers from different individuals. Such transactions may raise suspicion of conducting unregistered entrepreneurial activity.
Sirotkin noted that for those who regularly receive money from different clients, it is easier to оформлять self-employed status and officially pay taxes on their activities.
The expert added that for ordinary transfers, for example, to relatives or friends, it is important to correctly indicate the purpose of the payment. Formulations like «for personal needs», «birthday gift» or «debt repayment» will help the bank understand the essence of the operation and reduce the risk of blocking.
