For that the bank can block the transaction on the account and what to do

Why the bank blocks the operation

On September 26, 2018 are amendments to lawsFederal Law of 27/6/2018 number 167-FZ "On Amendments to Certain Legislative Acts of the Russian Federation with regard to anti-money theft"Which allow banks to block transactions if they seem suspicious.

Legislation changed to protect the money in the accounts. If the bank will record a questionable translation, it should suspend it for a period of up to two days.

This time limit is given to the financial institution to find out from the client, whether it takes money. If he confirms that the funds are transferred with the consent of, the operation will be resumed - and immediately.

If the feedback is not from the client, the money will still be moved, but after two days.

What operations considered suspicious regulatedSigns of the transfer of funds without the client's consent Central Bank.

1. If the translation is sent to the fraudster

From the perspective of law enforcement, the swindler - a person who rendered the verdict in the corresponding article. Prior to that he was only suspected of a crime, but only if the investigators revealed the fact of illegal actions, established the identity of the attacker, and so on.

Therefore, despite the fact that the fraudster as a thief should be in prison, the reality is much more complicated. In addition, often the criminals are alreadyIn Khabarovsk, convicted fraudsters, who are already serving sentences from prison.

The Central Bank, in contrast to the investigating authorities, it is possible to create a list of cheaters much faster.

Offenders worth only once "lit up" their data to the transfer of money, which will set the theft attempt, and information about it will get a special databaseFederal Law "On the national payment system" from 27.06.2011 number 161-FZAccess to which is at each of the bank.

If you try to carry out the transaction details of which are in this database, the bank considers it suspicious and block the operation.

2. If you transfer the money from the device which was used fraudsters

"Lit up" the attacker could not only data, but also devices that he used. If someone tried to illegally transfer money using a particular computer or smartphone, this fact was recorded by the bank and confirmed victim of fraud, then these devices fall into a special base.

In this case, it does not matter what kind of details are used for the translation - the same or other gadget is compromised, and the Bank's operations deemed suspicious.

3. If you're doing something wrong, as before

The bank may have questions if something in your translation is contrary to your habits:

• you never transferred large sums of money and suddenly send someone everything to the penny;
• you are in a short period of time direct the multiple payments to the same recipient (and in fact could make one payment);
• you basically pay for purchases in stores in Nizhny Tagil, and today the operation is fixed in Lisbon - so if You are going on a trip, It is better to inform the bank;
• you are tied to the card to another phone or trying to make a payment with a new laptop.

What to do if the bank asks you to confirm the operation

1. Make sure it is a bank

Act to combat fraud has created new ways of cheating. Attackers can call you and say that your account or card held suspicious transactions. During negotiations, they will try different ways to extract information from you, which eventually lead to the theft of money.

So remember that when you receive a call from the bank, you do not need to sound any information: they have all the data. A code of an SMS, or digits on the reverse side of the card can not call anyone at all.

If in doubt, hang up and call back to the bank at the number listed on the back of the card or on the official website.

2. confirm

The law stipulates two ways to do this: call or CMC-message. Follow the instructions that will give the bank employee.

If you do not answer, for two days you will be left without a card, as it will be locked. Translation will also be frozen for this period, so that the recipient can be happy.

Note that it says bank employee. If the recipient of payment exists in the scam, it is hardly necessary to confirm it, even if you personally sent money.