In the web on a regular basis there are rumors that the banks will block the card for any transfers to deduct taxes on all income and transmit everything on the accounts data to the tax. We have found that this is true, that the invention and how to avoid unexpected lock.
What can block the card and write out a fine
suspicious transaction
On September 26, 2018, banks may Federal Law of 27/6/2018 number 167-FZ temporarily block the card and suspend the operation if it seems that your card fraudsters seized. The basis for this - atypical behavior, for example, several cash withdrawals in a row or a sudden large purchase, but usually you are spending money on food and communal. In case the bank operates suspicions as follows:
- Blocks operation and a map.
- He is trying to contact the owner by phone card.
- If the owner is responsible, and confirms the operation, it is carried out, and the card is unlocked.
- If the owner does not respond, the card remains blocked for two days, not counting the day of the operation. During these two days trying to contact the owner. When two days pass, the card is automatically unlocked and the operation takes place.
Typically, these locks do not cause problems - enough to confirm the payment. You can not even wait for a call from the bank, and go directly to the hotline, a specialist which will settle the matter.
Entered an incorrect PIN
If you will enter three times wrong PIN code, the card will block for a day. Make sure the card with you, and just wait for the release. The process can be speeded up by calling the hotline - did not have to wait 24 hours.
Suspicious comments on the appointment of the translation
Regular transfers from physical persons natural persons labeled "work" or "for apartment"Can alert the bank. Even if the card does not block immediately give information to the tax, and it will start the proceedings.
On the field "Destination Translation" in general it is better not to joke.
Do not write it, "Your share of a bank robbery," or any other indication of violation of the law - the card will block and can transmit the information to the police. It is better to leave it blank or abridged by comments like "The Gift."
Shopping on the Internet
The bank can block the card, if it considers that you are trying to spend more than usual in the online store or site where you pay, phishing, ie do not sell, but simply collects data cards and stealing money. the bank's suspicions are not always justified: the card can sometimes block the "just in case", even for the purchase of the official store of the brand.
This lock is not dangerous: it helps to save your money. If the card is blocked, proceed as follows:
- Make sure the site not a phishing: Check the address (so it was, for example, example.ru, not exaample.ru), look for information about the legal person, read reviews on the Internet.
- If the site is still phishing, and you entered the data card, call the bank, block the card and make it re-release - so fraudsters will not be able to get access to your money.
- If a site nefishingovy call the bank and ask them to unlock the card. It usually takes less than an hour.
Shopping abroad
If you always pay by bank transfer in Moscow and suddenly trying to withdraw money in Thailand, the bank guards: suddenly are transacted not you, and foreign fraudsters. In this case, block the card immediately, and sometimes even helps unlock not call the bank - you need to come to the branch in person. In the worst case, you can stay at all without money abroad.
To avoid falling into this situation, it is necessary to warn the bank about the trips in advance.
Sometimes this can be done in a private office or a mobile application in a special section of the trip - it is necessary to specify the country and the date, then the card can not be blocked. If such a section in your account is not present, you need to call the hotline and report the travel operator.
Income on which you do not pay taxes
If you provide services, sell things or rent an apartment, you have to pay taxes. If you do not make tax and suddenly finds out about it, the card can be blocked, and you are forced to payTax Code Article 10813% of revenues and 20% of this amount as a penaltyTax Code Article 122. If the crime is premeditated, will have to pay 40% (typically considered the first unintentional failure to pay taxes, and intentional - all others).
In the tax does not have access to all accounts at any time. Banks do not report it all to the income of all customers. However, the tax may be interested in you if:
- You make expensive purchases and official income you do not have.
- Bank sees you every week or month come the amount of 50-100 thousand rubles at the expense of ordinary physical persons. It can block the card and transfer the data to the tax, to make sure that you are not a crook.
- Someone complains about you. For example, the neighbors will say in the tax that you rent an apartment.
In this case, the tax will begin to understand, and if the convict you of a crime, he will make to pay the tax and penalty.
debts
If you have debts utility payments, Loans or court order, your card could be arrested. It will work, but all the money coming in almost immediately written off on account of repayment of debt. In this case, you can turn to the bailiffs to the card will only be charged 50%, but completely remove the arrest can only be paid everything to the end.
Suspected violation of the law and fraud
This can happen, for example, if you fall on the card 50 thousand and you'll go there and then shoot them all. Or if you regularly leave the money from the account of a legal entity. A clear list of such operations is not - the banks monitor them in their algorithms. However, such locks are not dangerous if you do not break the law. Just call to tech support, to explain his actions, and the card is unlocked. If the bank will be more serious suspicions have come to the office and show documents, on the basis of which you get the money. For example, service contracts, receipts, checks, promissory notes.
It is more difficult if you really cheatSuch as cash out the money each week or month and you get a large amount of shooting. In this case, the bank can block the card permanently, and even contact the tax or the court. But if you do not break the law, to be afraid of such a situation, it is not necessary.
What the map does not accurately block
simple translations
If a friend has sent you a thousand rubles for gasoline on a joint trip, you will not be forced to pay tax, and the card will not block. Shall be taxable only incomeChapter 23 of the Tax CodeAnd remittances from friends and family incomes are not.
The bank has no powersTax Code Article 86 simply deduct tax from your money. This deals with the tax, but it does not control every translation.
To penalize someone, the tax is necessary to suspect a person in receipt of income to prove it and make sure that it violates the law.
Whence then all took the rumor that for a regular card may block the translation? The reason was a real changeFederal Law "On Amendments to Parts One and Two of the Tax Code of the Russian Federation" dated 27/11/2017 number 343-FZ in the tax code: on June 1, 2018, banks are required to transfer tax information on metal accounts, although I could do it again. But these innovations do not relate to ordinary ruble and foreign currency accounts, so do not be afraid of every kopeck translation.
An attempt to withdraw money from an ATM of another bank
The only thing that threatens you for withdrawing money in someone else's ATM - a commission. Other restrictions or limitations not here.
Withdrawals in ATMs outside is fraught with other risks. For example, the device may pick up a cardEven if you once in an incorrect PIN. After that is necessary to order a re-release, as the card you will not be returned. However, with the lock, this problem is not related.
Gifts
If a relative or friend you will be translated even 50 thousand with the comment "Gift" is most likely a translation block. However, if such "gifts" will be regular, accurate bank guard.
In this case, the card can be blocked, but temporarily. To remedy the situation, you will simply call the bank and to clarify the issue.
Small regular translations
Upon cards usually do not block even for regular payments. For example, if a friend is paying you for what you are sitting with her child, and the bank tax is unlikely to pay attention to it. Card in any case do not just block - this can only happen after the tax issues. If court proceedings begin, it will be obliged to inform you about this in an official letter.
How to avoid blocking and penalties
- Do not Mess with the field "Purpose of the translation," fill it honestly or even leave blank.
- Do not try to pay with the card product in unreliable online store. Check the reviews, look at the website details of legal entities.
- Warn bank about traveling abroad.
- You pay taxes on income, for example, for the surrender of the apartment.
- Arrange SP or become self-employed, if you regularly render any service or sell something. This will help avoid Problems with tax.
- Time to pay fees for loans and for housing and communal services.
- Do not use the card for fraudulent schemes. Nobody pass his card and data on it.
What if the card is still blocked
The very first thing you should do - call the bank. Be prepared to provide your passport and remember the code word - the operator can ask them. Calls better with numbers tied to the map.
On the phone bank clerk will give all the necessary instructions. In most cases, you will need just to confirm the operation, and the card is unlocked. In more complex situations need to come to the bank with documents to show that you do not violate the law. If serious suspicion of tax will have to come back more and there to prove his innocence.
In severe cases, unlocking can be time consuming, so it is better to have a reserve of cash and keep money in a few maps - all at once are unlikely to be blocked.
see alsođłđ§đ¸
- What to do if the bank to block the card
- For that the bank can block the transaction on the account and what to do
- How to pay less tax