Cases of blocking client cards by banks are listed – Rossiyskaya Gazeta


Russian banks can block a client’s card themselves if they suspect him of laundering and legalizing criminal proceeds or if they see a threat to his funds due to information leakage.

“Banks may suspect a client of illegal actions, if he often receives amounts over 200 thousand rubles from different current accounts, and he immediately cashes them in,” he quotes RIA Novosti expert of the National Center for Financial Literacy Nina Kultysheva.

The account can be blocked if a credit institution sees some atypical payment purpose. According to lawyer Dmitry Surkov, accounts are most often blocked for persons who receive winnings from bookmakers, as well as large payments to newly created legal entities. However, there are cases when banks block client cards not because they suspect him of illegal actions, but in order to prevent the theft of his funds after a data leak. In such situations, the financial institution usually re-issues the card.

Previously, cases were listed when the bank retains a part of the deposit. They can write off money if enforcement proceedings have been opened against the depositor. In this case, the contribution is recognized as property, and the bailiff can arrest all accounts, writing off the debt from them. The bank’s client may also face the write-off of funds in the presence of traffic police fines, unpaid obligations to the Federal Tax Service, and other debts. The bank has the right to act in the same way if the depositor has a loan that has ceased to be serviced in a timely manner.


Source: Российская Газета by rg.ru.

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