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What are the safe words for banks and why only a select number of employees in credit institutions know about it?
Why the harmless phrase "For a gift" or" Repayment of a debt " can deprive you of access to your own account for a certain time, banking experts warn. The list of words that will instantly stop all movement on the card provides seemingly completely safe words.
When sending money from your bank card, many people use notes, someone indicates the purpose of the transfer, and someone writes a reminder or joke, forgetting that, in fact, the column "Payment purpose" or "Comment" is also payment information that the bank analyzes. Some phrases may not only be refused translation, but may also have more serious consequences.
The grounds for blocking are specified in article 6 of the law "On Countering the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism", but each bank independently determines by what criteria, including the words in the notes, a particular transaction falls into the category of suspicious. In some credit institutions, even the seemingly harmless "Discount" and "Thank you" can be considered problematic, while in others transfers are made with the signatures "I return the bribe" or"Buy yourself crypts".
Experts say that everything depends on the settings of the bank's automatic system, but only a narrow circle of employees in each credit institution knows what words in it are beacons for stopping the transfer or for other actions with the client's account.
"By law, credit institutions are required to check all transactions for signs of doubt, and some words in the comments to the transfer may well be interpreted by banks as markers of a suspicious transaction," says Nikita Chaplin, a State Duma deputy and member of the Budget and Taxes Committee. — If this happens, the client will be asked for documents and information that will clearly indicate the source of the money and the reasons for the operation. The "prankster" who can't prove the legality of the transfer runs the risk of being blacklisted by clients. This, in turn, threatens possible restrictions in banking services throughout Russia.
Why the harmless phrase "For a gift" or" Repayment of a debt " can deprive you of access to your own account for a certain time, banking experts warn. The list of words that will instantly stop all movement on the card provides seemingly completely safe words.
When sending money from your bank card, many people use notes, someone indicates the purpose of the transfer, and someone writes a reminder or joke, forgetting that, in fact, the column "Payment purpose" or "Comment" is also payment information that the bank analyzes. Some phrases may not only be refused translation, but may also have more serious consequences.
The grounds for blocking are specified in article 6 of the law "On Countering the Legalization (Laundering) of Proceeds from Crime and the Financing of Terrorism", but each bank independently determines by what criteria, including the words in the notes, a particular transaction falls into the category of suspicious. In some credit institutions, even the seemingly harmless "Discount" and "Thank you" can be considered problematic, while in others transfers are made with the signatures "I return the bribe" or"Buy yourself crypts".
Experts say that everything depends on the settings of the bank's automatic system, but only a narrow circle of employees in each credit institution knows what words in it are beacons for stopping the transfer or for other actions with the client's account.
"By law, credit institutions are required to check all transactions for signs of doubt, and some words in the comments to the transfer may well be interpreted by banks as markers of a suspicious transaction," says Nikita Chaplin, a State Duma deputy and member of the Budget and Taxes Committee. — If this happens, the client will be asked for documents and information that will clearly indicate the source of the money and the reasons for the operation. The "prankster" who can't prove the legality of the transfer runs the risk of being blacklisted by clients. This, in turn, threatens possible restrictions in banking services throughout Russia.
