The rules for blocking salary cards are established by the law of June 27, 2018 No. 167-FZ on blocking accounts legal entities, Individual entrepreneurs and employees for transactions that the bank considers suspicious. Blocking is possible for up to two days. Such operations were named in an interview with the magazine "Simplified" Nikolay Potapov, Chief Specialist URPA YL PJSC "AK BARS" BANK.
As the expert told the Simplified magazine, the signs by which banks will be able to block transfers will be determined by the Central Bank on the basis of statistical data and established banking practice. The expert believes that in many respects these signs will coincide with the criteria that many banks are already using in practice. The new rules apply to both the accounts of legal entities and individual entrepreneurs, and salary cards.
“Suppose someone went to the“ Client-Bank ”in another country and is trying to make a payment. In this case, the bank will suspect that the system is not used by the client himself, but by a third party, and will suspend the transfer. Another example is atypical orders, ”the expert said.
The expert gave such an example. For example, a client provides services, but transfers money to purchase a large batch of goods. Also, the bank's attention will be attracted by payments on weekends and holidays, large transfers for the purchase of real estate, shares and other non-standard transfers.
If the bank saw the operation without the client's consent, then it is obliged to block access to the Client-Bank system at the same time. The Client-Bank system is considered as an electronic means of payment if, when using it, the client draws up, certifies and submits orders for the transfer of funds (part 19 of article 3 Federal law dated June 27, 2011 No. 161-FZ). And the new law provides for the direct obligation of the bank to suspend access to electronic means payment (part 9.1 of article 9 of Law No. 161-FZ as amended).
The bank notifies the client about the blocking of the operation in the manner specified by the parties in the agreement. As a rule, banks prescribe a postal address, client's e-mail, and a mobile phone number.
Why Sberbank is blocking salary cards and accounts in 2019
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In accordance with the Listing Rules of PJSC Moscow Exchange, the Chairman of the Management Board on October 15, 2018 made the following decisions:
1. Include October 15, 2018 in the "Third level" section of the List valuable papers admitted to trading inPJSC Moscow Exchange, in connection with the receipt of the corresponding application:
1.1. Investment shares of the World Investments Interval Unit Investment Combined Fund under the management of a Limited Liability Company Management Company Aton Management, intended for qualified investors, the state registration number of the fiduciary management rules is 3483 dated March 29, 2018.
2. To exclude on October 15, 2018 from the "First level" section of the List of securities admitted to trading at PJSC Moscow Exchange in connection with the redemption of securities issues:
2.1. Exchange-traded discounted non-convertible documentary bearer bonds with obligatory centralized storage series KS-3-51 of VTB Bank (public joint-stock company), issue identification number - 4B025101000B004P dated 09/27/2018.
2.2. Exchange-traded discounted non-convertible documentary bearer bonds with obligatory centralized storage, series КС-3-52 of VTB Bank (public joint-stock company), identification number of the issue - 4B025201000B004P dated 09/27/2018.
2.3. Exchange-traded discounted non-convertible documentary bearer bonds with obligatory centralized storage, series КС-3-53 of VTB Bank (public joint-stock company), identification number of the issue - 4B025301000B004P dated 27.09.2018.
2.4. Exchange-traded discounted non-convertible documentary bearer bonds with obligatory centralized storage, series КС-3-54 of VTB Bank (public joint-stock company), issue identification number - 4B025401000B004P dated 09/27/2018.
2.5. Exchange-traded discounted non-convertible documentary bearer bonds with obligatory centralized storage series KS-3-55 of VTB Bank (public joint stock company), issue identification number - 4B025501000B004P dated 09/27/2018.
3. To exclude October 15, 2018 from the "First level" section of the List of securities admitted to trading at PJSC Moscow Exchange, due to early repayment issue of securities:
3.1. Non-convertible interest-bearing documentary exchange-traded bearer bonds series PBO-001R-K095 with obligatory centralized storage of the State Corporation "Bank for Development and Foreign Economic Affairs (Vnesheconombank)", identification number of the issue - 4B02-106-00004-T-001P dated 17.07.2018.
4. To exclude on October 15, 2018 from the "Third level" section of the List of securities admitted to trading at PJSC Moscow Exchange in connection with the redemption of the securities issue:
4.1. Non-convertible interest-bearing documentary bonds of 06 series payable to bearer with obligatory centralized custody of SOYUZ Bank (joint-stock company), state registration number of the issue - 40602307B dated 23.11.2012.
The Russians were frightened by a new "divorce" scheme, allegedly from the Sberbank number. The fraudulent scheme is actively gaining momentum and forcing cardholders to part with their hard earned money.
The swindlers again "took a fancy" to the scheme of a scam using the alleged number of Sberbank. Russians receive SMS messages in "batches" from a number similar to the official number of Sberbank - 900. This can be number 9OO (two letters O instead of zeros), 90-0, 9-00, 900: and other similar options. Seeing a frightening text, not everyone will quickly realize that the number from which the message came is only similar to the bank number, but in fact it is not.
The text can be of the following content: "Your card is blocked. To unblock, call number No. ...". Or this: "A transfer will be made from your bank card to card number ... in the amount of XXX rubles. To confirm, type the command .... To refuse: ...". Both commands, of course, will deprive you of a certain amount on your phone account. The message may also contain a call to urgently call the number indicated in the text.
If you call back, a fraudster who introduces himself as a bank employee will answer - for example, a security service or technical support. The cardholder will be asked to provide information or urgently take some action - for example, unblock the card or cancel the operation, warn in Sberbank.
Fraudsters can try, under any pretext, to obtain confidential data: full card number, PIN code, CVV, CVC code, card expiration date, or they may ask you to go to an ATM or terminal and enter a code - supposedly to unblock the card or cancel the payment. These data are used by scammers to steal money, purchases and transfers from the "victim's" account, Sberbank explains.
Fraudsters are actively using another criminal scheme: a bank client may receive an SMS or an e-mail message with intriguing content. Swindlers can report about "winning" a super prize, or congratulate you on the holiday. Such messages often contain a link, after clicking on which the cardholder is promised additional information about the winnings or a link to download a greeting card. In no case should you follow the link, Sberbank said in a statement. When clicking on a link to a phone or computer, an application with virus software may be loaded, or the "victim" will be sent to a trap site, where, under various pretexts, fraudsters will try to obtain personal data: an identifier and password for entering the Internet bank, a code word, etc. other information.
It is important to know that bank employees never ask customers for confidential information (full card number, PIN and CVC codes, etc.) and do not require active operations with cards. Sberbank does not send messages with a form for entering personal data or messages with a request to confirm, update, and provide personal data. And besides, Sberbank never asks to go to Sberbank Online using a link from a message or email.
The identifier in the Sberbank Online service acts as a login. Login is issued on the check upon connection mobile bank through an ATM, or reported by an employee of Sberbank, when connecting the same mobile bank.
How to get a Sberbank ID?
You can get the ID in several ways. The most convenient and fastest way is to obtain an identifier using a Sberbank ATM. It is also possible to obtain an identifier from a Sberbank employee, and if you have a smartphone with modern operating systems, such as: iOS, Android, Windows Phone. You can find out your ID using the mobile application!
How to get an ID using a Sberbank ATM?
To obtain an identifier using an ATM, you need a Sberbank card.
How to get an ID in one of the Sberbank branches?
Contact the nearest branch of Sberbank. To connect a mobile bank, you need to have your passport, mobile phone, bank card with you. When connecting, you will be asked to name a convenient for you tariff plan, then they will give out a sheet with your data, which will contain an identifier for entering Sberbank Online.
How to get an ID in the Sberbank mobile application?
To get the ID, you need to download mobile app Sberbank in one of the pre-installed stores on your smartphone. Then go through simple registration, when registering, you only need a bank card, more details about registration through the mobile application are here. An SMS message will contain an identifier, as well as a password to log into Sberbank Online via a PC and other devices.
How to log into Sberbank online using the received ID?
Go to the Sberbank website: online.sberbank.ru. Click "Login", then enter the information received, in the "Login" field enter the "Identifier" indicated on the check or in the SMS. In the password field, enter the previously received password, click "Login", and then confirm your action with the one-time code received in the SMS. Now you are in your personal Sberbank account! 
How to recover the Sberbank ID?
You can recover the identifier in two ways. By providing the necessary information on hotline if your identity is verified, you will be given a new ID and password. Second, using the Sberbank website, you need to go through a simple check of your mobile phone, after which you will receive new data via SMS.
How to restore an identifier using the Sberbank hotline?
To restore the identifier via the Sberbank hotline, you need: bank card, passport, code word. Call the hotline: 8-800-555-5550. Explain your problem, then provide the necessary data, and a code word, if your identity is established, you will be told a new ID and password.
How to recover an identifier using the Sberbank website?
When you enter your personal account on the Sberbank website, click "Forgot your username or password?"
How to restore an identifier at a Sberbank branch?
Recovery at a Sberbank branch will take time and required documents... As in the case of recovery via the hotline, you will need: a passport, a bank card, and a secret word. Provide the necessary information, get a new statement, which will contain a new ID and password.