A limit has been set for money transfers – Kommersant FM
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The maximum transfer size without opening a bank account will be limited to 100 thousand rubles. Such amendments were previously developed by Rosfinmonitoring, and have now been approved by a government commission. RBC got acquainted with the document. Now such services are provided by some banks and money transfer systems. The user must only undergo simplified identification, that is, indicate his full name and passport details. Rosfinmonitoring explained that such a measure is necessary to combat illegal financial transactions, bank fraud, as well as the financing of terrorism and extremism.
Will it work? And who can it affect? Chairman of the Council of the Electronic Money Association, scientific director of St. Petersburg State University Viktor Dostov believes that this will primarily affect labor migrants: “Transfers without opening an account is a fairly broad concept, but in the context of the document we are mainly talking about international transactions that are of interest to for example, migrants.
Now there are no restrictions for such operations with simplified identification. All Russian citizens have accounts into which they receive money, that is, transactions take place as usual. Therefore, even if this may be relevant for them, it is not very important.
At the same time, this is not some kind of revolution in the fight against money laundering; rather, it is simply a harmonization of general legislation in this area.
After all, when we talk about simplified identification, some kind of limit is always set. That’s why it’s simplified.”
Currently, the legislation only has a monthly limit for transfers using simplified identification – this is 200 thousand rubles. The restrictions may also affect Russians, noted independent expert Semyon Novoprudsky. However, according to him, such a measure is unlikely to be able to stop the outflow of capital abroad: “First of all, we are talking about two categories of people who could probably fall under this. These are people with a Russian passport, but labor migrants who send money to their families back home; and these are citizens who receive money from employers abroad.
If we are talking about some specialists, in particular, the same IT specialists, the shortage of which the state constantly talks about in our country, then some of them do not work from Russia. Many of them, obviously, have salaries totaling more than 100 thousand rubles.
Meanwhile, it is quite difficult to assess the scale of cross-border illegal transactions, because, strictly speaking, fraudulent schemes for withdrawing money from the country are carried out on an industrial scale. In addition, this is often done through shell companies in which the corresponding accounts are opened. That is, in this case, the ban on transferring any amounts exceeding the limit does not affect any large fraudulent transactions at all.”
According to the Central Bank’s forecasts, capital outflow from Russia could reach $250 billion this year, which would be an absolute record. In 2022, the figure exceeded $240 billion.
Everything is clear with us – Telegram channel “Kommersant FM”.
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