Clients of Tinkoff Bank began receiving letters asking them to clarify the nature of transactions related to the turnover of cryptocurrencies. This was announced by the founder of the "smart bank" InDeFi Sergey Mendeleev.
In the submitted letter, the client is asked to provide a number of documents, including:
- Confirmation of income (2-personal income tax, 3-personal income tax, etc.);
- Explanations about the economic meaning of operations;
- Information on whether crypto-exchange operations are carried out using an account (from what period; documents confirming the origin of the funds for which the cryptocurrency was originally purchased; documents confirming the payment of taxes; notarized screenshots from the personal account of cryptocurrency exchanges, allowing to uniquely identify the owner).
A representative of the bank confirmed in the comments that the documents can indeed be requested in accordance with the requirements of the law.
"We study transactions on customer accounts and, if we notice that some of them fall under the criteria described in the "Methodological recommendations on increasing the attention of credit institutions to individual transactions of individual customers dated 06.09.2021 No. 16–MR", we request documents for verification. We are obliged to pay attention to the methodological recommendations of the Central Bank in accordance with 115-FZ," the representative of Tinkoff Bank wrote.
This document provides the following criteria for identifying suspicious bank accounts of individuals:
- an unusually large number of contractors - individuals, for example, more than 10 per day, more than 50 per month;
- an unusually large number of operations for crediting and (or) debiting non-cash funds carried out with co-agents - individuals, for example, more than 30 operations per day;
- significant volumes of transactions for debiting and (or) crediting non-cash funds made between individuals, for example, more than 100 thousand rubles a day, more than 1 million rubles a month;
- a short period of time (one minute or less) between crediting funds and debiting;
- within 12 hours (or more) of one day, operations on crediting and (or) debiting money are carried out;
– during the week, the average balance of funds on the bank account at the end of the business day does not exceed 10% of the average daily volume of transactions on the bank account during the specified period; - cash write-off operations are characterized by the absence of payments in favor of legal entities and (or) individual entrepreneurs to ensure the life of an individual (for example, payment for utilities, communication services, other services, goods, works);
- matching of identification information about the device (for example, MAC address, digital fingerprint of the device, etc.) used by different individual clients for remote access to the services of a credit institution for money transfer.
An account can be considered suspicious if it meets at least two criteria from the list. If such accounts are identified, the bank should ensure increased attention to the client's transactions and conduct an additional check for money laundering.
Mendeleev himself claims that such letters have recently been sent to dozens of bank customers.