Translation. Region: Russian Federation –
Source: Mainfin Bank –
An important disclaimer is at the bottom of this article.
When will a transfer via the SBP raise suspicions with the bank?
Transferring a large amount via the SBP, even between accounts of one client, may raise suspicions jarIf, on the same day, a person attempts to send money to a third party to whom payments have not been made for more than six months, the person will be subject to a new scam: the scammers convince the victim to accumulate all their savings in a single account to which they have gained access.
"Banks will tighten controls over transfers – transactions over 200,000 rubles, including those made through the Fast Payment System (FPS), will come under close scrutiny," the regulator noted.
The introduction of new fraud indicators will help banks protect honest Russians from fraudulent activities. However, this change will have virtually no impact on ordinary citizens—money transfers between their own accounts via the Fast Payment System (FPS) will still be possible without restrictions or fees; suspicion will only arise if you attempt to send funds to a third party.
What other signs of fraudulent transactions are there?
Transferring funds between your own accounts and then sending the savings to another person isn't the only sign of fraud identified by the Central Bank. Financial institutions are required to suspend transactions if they detect any of the following:
The recipient's account is included in the fraudulent list according to the Central Bank of the Russian Federation's basic rules or the bank's own rules; the transaction is unusual for this particular client; the device used to access online banking was previously used by fraudsters; the client changed the phone number used to access their personal account; information was received about the use of an unusual internet provider.
However, it's not just banks that should be making efforts to protect their funds. Russians should adhere to financial security rules: don't share codes and passwords with third parties, no matter who they claim to be, don't enter card details on dubious websites, and don't transfer funds to accounts if you're unsure of the recipient. Fraudsters are constantly refining their methods, but most schemes rely on social engineering—they mislead the victim, who then helps the scammer steal their savings.
10:00 11/18/2025
Source:
Please note: This information is raw content obtained directly from the source. It represents an accurate account of the source's assertions and does not necessarily reflect the position of MIL-OSI or its clients.
