Where does the money come from? Sberbank blocks customer cards. Sberbank blocks cards of individuals for making transfers Can Sberbank block a transfer

Reading 7 min. Views 99 Published on 25.09.2018

Sberbank has been holding a strong position as a leader in providing Russians with various financial and credit services for many years. Almost every Russian citizen is a client of this largest Russian bank. Moreover, the further away Sberbank representative offices are located, the more popular they are.

But, in the last place, information is spreading over the network that Sberbank massively blocks the cards of its users. The Central Bank of Russia, on the basis of the current Federal Law No. 115, has the right to suspend accounts and cards of persons whose monetary transactions raise doubts about their eligibility and fall under the definition of "fraud" or "money laundering".

Sberbank blocks cards only if there are good reasons for that

Reasons for mass blocking of cards of individuals

All obligations to verify ongoing financial transfers by bank transfer are regulated by the current Federal Law115. According to this provision, Sberbank began to block the cards of individuals in the event of certain situations. By the way, not only Sberbank operates this way, but also other representatives of the credit and financial banking world.

Sberbank, like other banks in Russia, blocks individual accounts and plastic cards of customers, acting strictly in accordance with applicable law.

Sberbank blocks individuals' cards for making transfers only if they are under the suspicion of the banking security service. Every plastic holder should be aware of this in order to avoid such an extremely unpleasant situation. All transactions that have one goal are subject to mandatory and thorough verification: the complete withdrawal (cashing out) of large sums of money.

It is worth identifying the following reasons, which often lead to plastic blocking. Namely:

1. Transfers from organizations with zero reporting.
2. Receipt of transfer and withdrawal of money occurs in one day.
3. Withdrawal (cashing out) of large amounts of money on a regular basis.
4. One-time cashing out of newly credited cash in a large amount.
5. Unexplained transactions (when the sender/recipient cannot be determined).
6. Using a business card to cash out funds received on it.
7. Repeated opening of accounts and their quick closing (up to a month) with subsequent cashing out of deposits.

The news about the mass blocking of cards is just a rumor

What should plastic holders do

The general hysteria about mass blocking began due to a directed stuffing on the Internet about ongoing widespread frosts. Moreover, the majority of cardholders learned about it from the words of other people, while calmly continuing the active use of their cards without any problems. Of course, questions began to arise whether they could block a Sberbank card for transfers, because then why do you need plastic if your personal savings are suddenly at risk.

Sberbank has repeatedly denied such rumors. It is worth recalling that the FS (Federal Service) for monitoring finances has been operating in Russia for many years. The work of this structure includes tracking and compiling lists of bank clients whose work is illegal. Banks are prohibited from cooperating with this list of persons. This list is constantly updated thanks to the actions of the banking structures themselves.

Sberbank always carefully monitors all monetary transactions carried out on its plastic and accounts.

Within the framework of existing laws, the bank has the right to independently impose a number of sanctions on individuals. In particular:

1. Do not allow money transfers.
2. Block accounts / cards without the consent of the holder.
3. Refuse to reissue and further service such persons.
4. Purchase access to remote online services (Mobile Bank and Sberbank-Online).

But it is worth noting that a respectable and law-abiding client of the bank may also face a sudden blocking of the card. This happens when dubious transfers are made (from the point of view of the security service). Namely, receiving a large sum of money and cashing it out. This is due to the current regulation, according to which the recipient of a large amount of money is obliged to report on income to the tax authorities.

Sberbank notifies its customers of the reasons for freezing accounts/cards. This is done through SMS informing or a phone call. An individual has to confirm the appearance of a large amount and explain the source of income. In this case, the misunderstanding will be quickly settled. By the way, all bank customers should know that plastic blocking does not mean withdrawal of funds. The entire amount will be returned to the client after the bank receives an explanation about the origin of the large cash injection.

Sberbank warns customers about blocking

How are the procedures for identifying violations on the cards

The services of the largest Russian bank are actively used by a huge number of compatriots and, of course, it is unrealistic to track every transaction made. For this reason, financial and credit structures use an automatic system for monitoring and analyzing ongoing operations. Recently, indeed, the number of ongoing blocking of Sberbank cards has increased. But this is due to the growth of fraud and attempts to illegally withdraw funds from citizens.

Sberbank uses a special system that analyzes all transactions carried out on plastic and flags potentially suspicious transactions.

A few years ago, when plastic was not so common and was considered a curiosity, bank employees were engaged in checking money transfers manually. Now there are not enough working resources, so a special program is used. How exactly this system works is sometimes not known even by Sber employees themselves. It can only be noted that this program has a certain developed algorithm, on the basis of which suspicious transactions are screened out.

The analyzer uses such initial client data as:

• the average cost of a cashless check and the amount of cashing out;
• what exactly is most often paid by the plastic holder;
• the profitability of the recipient himself and the person sending him transfers;
• in which places the client most often makes non-cash payments.

By the way, thanks to such a well-established scheme, the fact of fraud is quickly detected. For example, if almost all funds are transferred from the client's card to someone else's account, which did not appear before. Sberbank in this situation also blocks plastic, helping to save at least part of the owner's money.

How to prevent blocking

In order not to be afraid of unexpected force majeure associated with plastic freezing, it is worth remembering the three most common reasons for blocking a card. In particular, and act in accordance with the possible cause of getting into an unpleasant situation:

1. Suspicion of money laundering and aiding terrorism. Basically, transfers in the amount of 600,000 rubles or more are questionable. It is better for clients to stop using anonymous electronic wallets (it is these sources of income that are involved in dubious transactions).
2. Freezing of work with the account in order to ensure the safety of the user. This happens against the background of a request for access to accounts from abroad or payments made for goods/services outside the territory of the Russian Federation. To prevent this, you should warn the bank in advance about the upcoming trip abroad. Or carry out all transactions by SMS confirmation.
3. Numerous transfers to accounts of other banking structures. Sberbank may regard such transactions as economically inexpedient. But to be afraid of blocking plastic for this reason is possible only in the case of operating with large (six-figure) amounts.
4. Fight against illegal income. This usually happens when a large amount of money is credited to the client's account (for example, when selling a car or real estate). To clarify the situation, the account holder should be provided with all documentation confirming the completed purchase / sale transaction.

To avoid the occurrence of an unpleasant situation associated with blocking the card, it is necessary to foresee such an event in advance. And promptly notify Sberbank of the upcoming receipt of funds or the need to transfer a large amount of money. Of course, such transactions must be documented. What exactly will be the use of paper, it is difficult to answer - it all depends on the specific situation. For example:

• employment contracts;
• payment receipts for services;
• extracts from tax authorities or PF;
• lease, purchase and sale agreements;
• payroll records;
• debt obligations (receipts);
• papers evidencing loans;
• documents confirming the services rendered.

conclusions

Naturally, like any financial institution, Sberbank is interested in expanding its customer base and does not prohibit cardholders from operating with large sums of money. But it should be understood that all restrictions and blocking exist and are put into effect for only one purpose: to prevent threats and identify large undeclared income.

Many are interested in what is meant by the word "large transactions". There is no definite figure here, and much depends on the previous readings received for analysis. For example, if a client with an average income of 20-25,000 rubles suddenly receives an amount 3-4 times more and immediately withdraws it, this automatically arouses suspicion. Or, regular cash receipts began to occur from persons previously unfamiliar according to this client.

It is worth remembering that Sberbank (and any other bank) carefully monitors and monitors all ongoing monetary transactions and has every right to close accounts until the situation is clarified. And if the client is unable to prove the legitimacy of receiving large sums of money, legal steps from banks and blocking of accounts follow.

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What is Law No. 115-FZ?

This is the Federal Law of August 7, 2001 No. 115-FZ “On counteracting the legalization (laundering) of proceeds from crime and the financing of terrorism”. It defines the duties and responsibilities of organizations that work with the money and property of citizens: banks, insurance companies, microfinance organizations, etc.

The purpose of the law is to prevent the legalization of illegal proceeds and the financing of terrorism.

Why do banks block cards referring to 115-FZ?

Under Law 115-FZ, all banks are required to analyze the monetary transactions of their customers and check them for suspicion. This is done according to the criteria of the Central Bank, which are spelled out in Regulation No. 375-P of March 2, 2012. They track any transactions similar to the illegal transfer of non-cash money into cash (“cashing out”), to the confusion of settlement schemes and the concealment of the true purposes and participants in transactions (“transit”), to the illegal withdrawal of money abroad.

If the bank discovers transactions that raise doubts about the legality, it has the right:

• temporarily block the client's bank cards;
• disable access to Internet banking (web version and Sberbank Online application);
• refuse the client to issue cash or transfer money by bank transfer;
• refuse the client to open an account, issue or re-issue a card.

Banks are also required by law to block the accounts of clients involved in extremist activities or terrorism. The Federal Financial Monitoring Service includes such people and organizations in a special list. Not a single Russian bank has the right to work with the accounts of those who are currently in it.

Why do banks request documents on the origin of money and the economic meaning of operations?

This is necessary to decide whether to recognize the client as really involved in dubious monetary transactions. If you provide documents according to which the income is legal and the expenses are explainable, access to accounts and cards will be restored. The bank approaches each case individually and is interested in applying such measures as blocking or denial of service only if suspicions are justified.

What threatens a client with a refusal to provide banking services under Law 115-FZ?

If the bank refused to service, then:

• the client will not be able to open new accounts and deposits, receive new bank cards, including re-issued ones;
• valid customer cards will remain blocked;
• the client will not be able to use Sberbank Online;
• the client will be able to carry out all operations on accounts only at the bank office;
• operations for large amounts, the client will be able to carry out only in agreement with the bank;
• problems may arise when opening accounts and cards in other banks.

If the bank during the calendar year refused to service 2 times or more, the account is closed.

How not to fall under suspicion or prove that the operations are legal?

It is enough to follow simple rules when using your accounts.

1. Do not agree to the requests of acquaintances, relatives, friends, etc. transfer money through your accounts and cards that you have nothing to do with, especially when it comes to large amounts. Moreover, do not agree to withdraw this money in cash.
2. Do not give your bank cards to anyone, even close relatives - cards can be used for "cashing out" and "transit".
3. Withdraw cash from your accounts, deposits and cards only when it is really necessary, especially if the money is credited to accounts, deposits and cards by bank transfer. Try to use a non-cash form of payment.
4. Do not use your bank cards for illegal business activities - register as an individual entrepreneur and issue a Business Card.
5. Do not agree to the requests of acquaintances, relatives, friends, etc. register you as a director of an organization or as an individual entrepreneur if you are not going to really participate in the business.
6. If you are a self-employed person and have bank cards that you received as an individual, do not use them to accept payments from buyers or pay suppliers and contractors. Issue a Business Card for these purposes;
7. Make sure that transactions on your accounts can be documented. Keep all papers in order (contracts, invoices, invoices, payments, etc.).
8. Cooperate with the bank: if you do not answer its questions about the legality of certain transactions, the conclusions may not be in your favor.
9. If the bank asks you to confirm the legitimacy of the origin of the money in your accounts and the economic sense of the operations being carried out, be sure to send the information of interest to the bank within the period specified in the request and to the specified address. The more detailed you explain everything, and the faster the data arrives at the bank, the higher the likelihood that the issue will be resolved favorably for you.

How does the bank inform the client about doubts about the legality of monetary transactions?

If the bank has questions, it notifies the client about it by any available means: usually by phone via SMS, less often by e-mail. In such messages, the bank may:

• write about blocking cards and turning off Sberbank Online in accordance with the requirements of Law 115-FZ;
• request information and documents confirming the legality of the origin of funds in the accounts and the economic meaning of the operations;
• notify that the documents have been accepted for work, indicate the terms for their consideration, and, if necessary, write about a possible extension of the deadlines;
• inform about what decision has been made - when accounts and cards will be (and will) be unblocked and whether access to Sberbank Online will be restored.

In some cases, the bank sends a request to its office at the place of opening an account, deposit or issuing a card. In it, the bank requests information and documents confirming that the money in the client's accounts is of legal origin, and the operations being carried out make economic sense.

How to send the requested information and documents to the bank?

When a bank asks a client for information and documents about the legality of the origin of money and the economic meaning of the operations, he will definitely tell you how to transfer them. It is necessary to send documents to the bank in the exact way and to the address specified in the request. Usually the bank offers to send scanned copies of documents by e-mail. Also, the client may be asked to bring documents to the bank office at the place of opening an account or issuing a card, or send copies by paper mail.

If you send documents by e-mail, be sure to indicate your full name in the subject line. It is better to send files in PDF format. The total size of the letter should not exceed 12 MB. If you need to send more, break it up into several emails.

If you decide to send documents by paper mail, remember that such a letter may be late. Then the bank will not receive it on time, and this may affect its decision. If possible, send documents by e-mail or, if indicated in the request, bring them to the bank office.

If you cannot provide the required documents on time or you do not have them, inform the bank as soon as possible in the way indicated in the request why this situation has arisen. The more detailed and faster you explain everything, the better. This can be a determining factor when the bank makes a decision.

What supporting documents need to be submitted to the bank?

These can be any documents that confirm the legitimacy of the origin of funds in your accounts and the economic meaning of the operations. A complete list does not exist, since the reasons can be very different.

For example, these can be sales contracts, work contracts, loan agreements, lease agreements for premises, lease agreements for property, invoices for payment for goods and services, receipts for payment, pay slips, IOUs, bank statements in other banks, tax certificates, etc.

What should I do if the bank refuses to service (does not open an account, does not issue a card, including a reissued one)?

If the bank requested documents and information from you, referring to 115-FZ, but you did not send anything, just do it in the way indicated in the request and wait for a decision.

If you sent all the documents, but the bank made a negative decision, nothing can be done. After a while, you can try again to open an account or card - the bank may review your question after a certain period.

The bank imposed restrictions on my accounts based on information received from Rosfinmonitoring. What does it mean? Can I get my money?

This means that the bank received information from the Federal Financial Monitoring Service (Rosfinmonitoring) about your possible involvement in extremist activities or terrorism. According to the law 115-FZ, the bank is obliged to limit the conduct of operations on your accounts. You have the right to dispose of the funds on the accounts in the form and in the amounts provided for in clause 2.4 of Art. 6, clause 4, article 7.4 of Law 115-FZ. You will not be able to use bank cards and Sberbank Online, transactions will be possible at the bank office.

What kind of organization is Rosfinmonitoring?

The Federal Financial Monitoring Service is an executive body whose task is to counteract the legalization (laundering) of proceeds from crime and the financing of terrorism. Rosfinmonitoring maintains a list of organizations and individuals involved in extremist activities or terrorism. The grounds for inclusion in the list are listed in paragraph 2.1 of Art. 6 of Law 115-FZ. You can get acquainted with it on the official website of Rosfinmonitoring. If you believe that you have been included in the list by mistake, or there are grounds for deleting you from the list, in accordance with clause 2.3 of Art. 6 of Law 115-FZ, you have the right to apply to Rosfinmonitoring with a written application to remove you from the list.

In addition, the interdepartmental coordinating body counteracting the financing of terrorism may decide to freeze (block) funds or other property of an organization or individual in accordance with Art. 7.4 of Law 115-FZ.

What to do if there are still questions?

Contact the bank for advice in any way convenient for you:

• to an employee in any bank office;
• by phone to the contact center;
• send a message through the on-screen form on the bank's website or through Sberbank Online.

German Gref said last week that paying in cash has become an anachronism. He himself is calculated using Apple Pay and much less often with a card. However, while the head of Sberbank was talking about the prospects of payment systems, many bank customers regretted that they did not have cash in their pockets. As it turned out, the card can be blocked at the most unexpected moment. Life found out why this is happening and how to get your money back.

Andrey rents an apartment in Khabarovsk and works as a freelancer. On June 7, I received a transfer from the customer to the Sberbank card - money for the completed project. I immediately called the owner of the apartment and said that he would now transfer the rent to her. Nothing foreshadowed trouble. Andrei opened Sberbank Online ... To his horror, he could not transfer money: the card, on which all the funds were, turned out to be blocked. Now the man runs the risk of staying on the street and losing the deposit that he left to the owner of the apartment. The condition for the return of the deposit is timely payment of housing, and due to the blocking of the card, Andrey did not have time to pay for the apartment on time.

As it turned out, the card was blocked for a reason. Andrei changed his phone number earlier, but forgot about the old SIM card. It turned out that someone was able to restore his number and write off money via SMS to number 900. Andrey quickly caught himself, remembered that he had not unlinked the number to the card. I went to Sberbank, explained the situation, unlinked the number. The attacker was withdrawing little by little, and the affected client could not understand in any way what amounts he was withdrawing, and which ones the fraudster. I ordered an extended release. The bank said to write an application and wait for an answer by June 11. Andrei wrote a statement and forgot about this story. Until he was left without money at the most inopportune moment. And quite unexpectedly.

- Nobody said that the card would be blocked, - Andrei is indignant. - The card was blocked urgently and suddenly due to a statement that I wrote. They said that you can withdraw money with a passport at the branch. But they blocked it just at the moment when all the branches were closed. Of course, I didn't get to take it off. I did not have time to pay for the apartment under the contract. I didn't have time to find where to reload. Hit very hard. Thank you, dear Sberbank!

Quite unexpectedly, a client of Sberbank from Vladimir was also left without money. And also at the most inopportune moment - on the eve of a business trip. It all started with the fact that at night someone withdrew money from her card. She rushed to call 900 to block the card.

- I have two Sberbank cards, - the client explains to him. - The employee on the hotline asked to transfer all the money to a normal card, which I did through Sberbank online. And in the end I blocked this normal card !!! I was left without money! I called the hotline again, to which they told me that they would consider my application on June 9th. I have to go on a business trip tomorrow, but I have no money and the card is blocked!!!

Against this background, Ivan from Moscow was much more fortunate. He was simply tired of waiting for long transfers to cards to cards. Ivan says that every two weeks he makes a transfer from a Sberbank card to a card of another bank. And every time the transfer is frozen as suspicious, the card is blocked. Thus, a typical translation takes about an hour. All attempts to solve this problem in the bank have not yet led to any results.

- There are many cases of complaints against Sberbank, - Nikolai Kotov, financial expert of the Analytics Department of the Analytics Online company, notes. - The essence of the complaints is very clear: the bank blocks transfers with the wording "suspicious transactions". Sber considers suspicious transactions to be transfers to cards of other persons, payment systems, the use of Internet acquiring and replenishment of foreign electronic wallets or the purchase of goods abroad or through foreign counterparties. In general: any transaction that you perform for the first time is considered suspicious. To resolve the issue, you should contact the hotline, confirm your identity, name the code words and so on, so on, so on. Of course, the security of the bank is at the highest level, but sometimes the situation reaches insanity. From July 1, 2018, all banks will be allowed to block accounts in case of suspicious activity.

By the way, Nikolai Kotov himself does not use Sberbank at all. And after he himself froze the transfer. The card of an individual was blocked due to a transfer from Quwi for 3 thousand rubles. Nikolai decided not to waste time on litigation and donate these three thousand to Sberbank, while he himself became a client of another bank. However, not all customers can simply leave Sberbank, the largest state-owned bank with the widest network of offices and ATMs. The scale of the network is especially felt in the regions and small towns, where it sometimes simply has no alternative.

- Sberbank has a monopoly position, - Alexander Egorov, a currency strategist at TeleTrade Group, explains. - There is no alternative to Sberbank either in terms of the coverage of the regional network or in terms of the volume of financial transactions. That is why most customers cannot leave the bank, even despite the history of blocking. Taking advantage of its monopoly position, Sberbank often engages in frank "minority", collecting commissions for everything that is possible. And this is a fact, but there are no fewer customers from this.

In such a situation, the bank simply does not need to fight for the client. According to the head of the analytical department of the International Financial Center Roman Blinov, the degree of customer loyalty in Sberbank leaves much to be desired. He recalls that the bank has found itself in scandalous situations before: either customer profiles with personal data were found in trash cans, or money was debited from cards quite unexpectedly. To improve the quality of service, the bank must feel the competition.

In social networks, messages began to spread with renewed vigor that the credit institution was going on a “crusade” on customers. Users send each other information, which refers to the tightening of rules for transferring money between individuals. But you can't believe it.

Anonymous authors claim that there are supposedly checks on accepting money for commercial activities. calls those who transfer funds. Revisions end both for those who translated and for those who received funds. This is followed by fines and questions from the tax service.

Information attack lasting a year

It is useless to warn people, anyone will simply be confused. Checking in all cities is very powerful. First-hand info, - the authors of stuffing assure. 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 in Sberbank, then they will “burn out on his account”. The video also refers to FZ-115 (“On counteracting the legalization (laundering) of proceeds from crime and the 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. Receipts from dubious sources also fall under the attention of the system: anonymous wallets, frequent and stable transfers from the same client, the video says.

"Mass blocking" reported. 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 by their attention. The new system promises an error of 10%.

A year ago, Sberbank already fell 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 organization stated that blocking the sender's and recipient's cards is possible only if incorrect information (full name, code word, passport data, etc.) is provided during the voice confirmation of the operation. In this case, the initiator of the call is only the client himself.

The Bank does not block customer accounts, but may restrict remote account maintenance or refuse to complete a transaction if its economic meaning is unclear. Banks are required to analyze transactions made by clients, according to the criteria established by the Bank of Russia, the press service of the Tatarstan branch answered.

The response explains that information about refusals is accumulated by the Central Bank in a single list and communicated to all credit institutions and that it can be taken into account by other banks when evaluating the client's activity on the account.

Urban horror stories about financial horrors

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

Rumors that Sberbank is massively blocking customer cards have been going around in circles for at least a year. Sometimes it seems to me that we have such a modern content of urban legends-horror stories, since these stories are not really confirmed, - says the head of the Financier portal Anastasia Potekina.

At the same time, the expert continues, blocking of cards occurs, with which well-intentioned citizens, although not without inconvenience, but quite simply cope - they call, waste 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 other commercial banks.

It's just that, according to the law of large numbers, Sberbank is more noticeable against the general background. He really checks. All banks are tested. It's just that while 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 banking secrecy (Article No. 26 of the Federal Law “On Banks and Banking Activities”), according to which banks can transfer information about transactions, including individuals, to federal executive authorities, for example, the Federal Tax Service, according to their the same request, - IFC Markets analyst notes Dmitry Lukashov. According to him, Sberbank itself is not interested in worsening relations with its customers, so you can’t trust stuffing in social networks.

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

The expert gives two arguments in support.

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

Secondly, the bank is not interested in blocking cards or customer accounts, since its income is generated, among other things, from the commission for servicing customer operations.

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

I would advise clients not to believe in rumors, but to be vigilant for the above reasons when making transactions, - Dmitry Lukashov gives advice.