Tax on Card Transfers from June 1, 2025 Konstantin Ananyev, Lawyer at Duvernoix Legal

As noted by lawyer Konstantin Ananyev, the changes that came into force on January 1, 2026 significantly expanded the list of indicators of suspicious transactions compared to the previously applicable rules.

Banks now assess not only formal criteria (amounts, limits) but also clients’ behavioral characteristics—regardless of whether a transaction is economically and legally justified.

According to the expert, the most common reasons for suspending transactions are:

• a sudden change in the digital profile (device, SIM card, access method);
• transfers to new or previously uncharacteristic recipients;
• sequential actions resembling the withdrawal of funds;
• deviations from usual financial behavior in terms of amount, frequency, or timing.

The lawyer emphasizes that assessment algorithms are focused on identifying atypical scenarios. As a result, even a lawful transaction may be temporarily blocked if its context does not correspond to the client’s previous activity.