Translations are offered to be cheaper – Newspaper Kommersant No. 170 (7371) of 09/15/2022
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Tinkoff Bank is in favor of trebling the limit of free transfers through the Faster Payments System (FPS) to 300,000 rubles. per month. The reason is that clients began to “pull” funds to the bank in a smaller volume after the introduction of commissions by Sberbank, Kommersant’s sources believe. But other players are not ready to support the idea, since the majority of clients fit into the current limit, and banks do not want to lose part of their commission income.
Tinkoff Bank is going to propose to the Central Bank to raise the limit of free transfers via SBP to 300,000 rubles. per month (now – 100 thousand rubles per month), sources told Kommersant in the payment market, with whom the issue was discussed. Tinkoff Bank did not refute this information, adding that they support a bill to increase the limit of free transfers between accounts in different banks to 1.4 million rubles. monthly. Such a bill was submitted to the State Duma on July 8, but only applies to transfers between accounts of the same person. Sources of “Kommersant” specify that the idea of Tinkoff Bank concerns, among other things, the movement of funds between the accounts of different clients.
According to two interlocutors of Kommersant in the market, the Central Bank itself also thought about expanding the limits. But, the regulator clarified, “the analysis shows that the existing amount is sufficient,” therefore, “it is not planned to revise the limit in the near future.” In large banks, the idea, according to Kommersant, is also not supported. The fact is that they lose a lot of money from payroll clients, which are transferred to Tinkoff Bank. Sberbank, which was one of the largest inflows, introduced a 1.25% commission on July 1 for transfers to cards of other banks through their applications or websites. There are similar commissions in other banks, Kommersant’s interlocutors say. As a result, Tinkoff Bank began to lose money and even announced in early September that it would compensate customers for Sberbank commissions until the end of 2022.
The idea to increase the limit on free transfers to 300 thousand rubles. is inexpedient and threatens to lose part of the commission income, Kommersant’s interlocutors in banks say. Yes, and their share is low. For transfers per month over 100 thousand rubles. the commission does not exceed 0.5% of the transfer amount and up to 1.5 thousand rubles. for the translation. In August, only 0.5% of the total number of transactions of clients of one of the large banks were in excess of the limit, the Kommersant source said. “According to our statistics, all clients fit into the limit, so we do not consider this idea expedient,” Novikombank confirms. Less than 3% percent of citizens do not fit into the limit, but the rich do not need benefits, the interlocutor of Kommersant in another bank believes. Another Kommersant source believes that in the event of an increase in the limit, customers with transfers through the SBP will replenish the cards of the subsidiary banks of the marketplaces – Ozon, Yandex and Wildberry – and make purchases from them. As a result, other banks will lose income from interchange (the acquiring bank transfers this commission to the card issuer).
“Increasing the limit of commission-free SBP transfers will be positively received by customers, but discourages banks,” agrees Roman Prokhorov, head of the board of the Financial Innovations Association. It will also expand the possibilities of “bypassing” the use of SBP for payments for goods, works and services of individuals with organizations, the expert believes: “As a result, the economy for banks will worsen both for acquiring and for SBP, which is already not easy to implement” (see. “ Kommersant, September 14).
However, a number of market participants support limit expansion. According to the vice-president of the Association of Banks of Russia Alexey Voylukov, this will allow “to spur the development of non-cash transfers and payments.” The executive director of the National Payment Association, Maria Mikhailova, believes that “it is worth making a single limit on free transfers by all means.” However, she clarifies, at the same time, it is necessary to release market participants “from all other obligations for the implementation and use of unified payment technologies and tools, relying on the development of competition among payment institutions and technologies.”
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