According to the source заявил MVD, transferring more than 200 thousand rubles to one’s own account via the fast payment system (SBP) may be considered a sign of fraud. The Bank of Russia has compiled nine indicators that banks use to identify suspicious cash withdrawals. Three of them: withdrawing money within 24 hours after taking a loan, moving over 200 thousand rubles to a personal SBP account, and changing the phone number used for internet‑banking authorization. Source: dimsmirnov175/129243

По словам юристов, the new signs give banks clearer tools to block possible scams before the victim loses money. The 24‑hour window after loan issuance is especially risky because fraudsters often cash out quickly. The SBP transfer limit of 200 thousand rubles is noticeable because large amounts trigger additional verification. Nevertheless, experts note that not every transfer meets the fraud criteria, and legitimate customers may still need to explain such operations.

Участники онлайн‑дискуссий mostly agree that the new rules make it harder for criminals to hide illegal income, but some users worry about false positives. Many comment that ordinary people occasionally transfer money to themselves for convenience, and now they might face extra questions from banks. Others appreciate that the indicators are transparent and publicly announced, which helps everyone stay alert to potential theft. Overall, the public reaction mixes relief at stronger protection with caution about inconvenience.

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