Medvedev found crooks: new restrictions on credit cards and e-wallets. Ban on withdrawals from anonymous cards: what awaits Skrill and NETELLER users Medvedev on non-named cards
To the State Duma, a draft law on a ban on withdrawing cash from anonymous wallets and bank cards. Thus, the authorities plan to reduce the trade in illegal goods. The Village explains what in question Is it true that the owners Momentum cards and e-wallets will no longer be able to withdraw money from them.
Electronic wallets
First of all, the initiative is directed against anonymous electronic wallets that can be opened in services such as Yandex.Money and Qiwi. You can get such a wallet without a passport, so it is impossible to identify its owner: all operations are formally performed on behalf of the service in which the wallet is issued. Now cash withdrawals from anonymous wallets are limited to 5,000 rubles a day and 40,000 rubles a month.
“The bulk of wallets are anonymous, but the most active wallets are authorized,” Timur Nigmatullin, financial analyst at Otkritie Broker, told The Village. According to the expert, the functionality of anonymous wallets is being gradually curtailed in order to motivate people to identify themselves and switch to bank cards. As a result, customers who use anonymous wallets to evade taxes, for example, when receiving rent for the apartment.
Gift and bonus cards
Similar cash withdrawal rules apply to prepaid cards, whose owners will also be affected by the government's proposal. Prepaid includes gifts, as well as bonus cards. “First of all, these are co-brands with trading networks and filling stations: Pyaterochka, Perekrestok, BP, Rosneft and others,” notes Ekaterina Martsukova, a leading expert on loan products at the Banki.ru portal. Such cards allow you to pay or accumulate points, and you can purchase them without a passport in a store or at a gas station.
Phone bills
Restrictions will also affect the withdrawal of money by clients of mobile operators from their personal accounts. Now subscribers can withdraw cash from their phone number, which can be extremely useful in case of a forgotten wallet. To use this service, mobile operators conduct simplified user identification, which, if the bill is passed, may not be enough.
Unnamed cards
Finally, the new amendments may affect non-named cards, which do not indicate the owner's name, although a passport is required for their issuance. Non-personalized cards work much like regular cards, but they can be issued within 10-15 minutes. Experts call Momentum from Sberbank the most popular unnamed card.
On the one hand, when receiving an unnamed card, the client is identified, so Sberbank said that Momentum users will not have problems with cash withdrawals. On the other hand, due to the absence of the owner's name on the card, anyone can use it in the future. In addition, Prime Minister Dmitry Medvedev directly named unnamed cards among the means of payment against which the amendments are directed.
Ekaterina Martsukova suggested that the prime minister's speech contained inaccuracies, since unnamed cards cannot be considered anonymous. In turn, Timur Nigmatullin did not rule out that users of unnamed cards may encounter difficulties when withdrawing money.
What's next
According to Nigmatullin, the scope of the amendments during further discussion of the bill should be settled by Sberbank: “It is premature to say who will suffer, because usually this is being significantly improved. It is obvious that Sberbank, as a state-owned bank and the owner of a majority stake in Yandex.Money, will promote some of its position, and, most likely, it [the ban on cash withdrawals] will not be affected.”
“It is still difficult to say how identification will be carried out after the adoption of the law,” adds Martsukova. “One thing is clear: for the full use of the cards, the client will still have to confirm his identity.”
According to sources of the publication, the issue was discussed in early December 2017 at a meeting in the Ministry of Finance. During the meeting, it turned out that the Central Bank, in addition to a ban on crediting funds, also wants to introduce a ban on withdrawing cash from prepaid cards and wallets. At the same time, Rosfinmonitoring proposes to completely ban such anonymous wallets and cards. To open payment means, the service considers financial monitoring, our fellow citizens need to undergo a full identification of the person.
Rosfinmonitoring spokesman Pavel Livadny explained that the rejection of anonymous wallets and cards is a measure to counter terrorist and other criminal activities.
On the other hand, central bank believes that this is too rigid a position and that mandatory identification in the NESP may force people to switch to cash.
It should be noted that in the event of a hard ban, many citizens may also prefer the use of digital currencies, which are now becoming widespread throughout the world. Recall that at the moment for NESP there is a limit of up to 15,000 rubles per day, and the movement of funds on them is not controlled.
In October last year, Prime Minister Dmitry Medvedev said that anonymous wallets and cards should be banned, as this is not the most civilized way of dealing. Money.
The measures planned by the regulators caused a negative reaction from the expert community. So, the head of the ONF project "For the Rights of Borrowers" Viktor Klimov said:
“NESP is widely used by ordinary citizens. For example, electronic wallets are used to pay for parking, the Troika card is used to travel to public transport is also NESP. If you try to force citizens to transfer funds only through a bank account, for many, the very meaning of using such a product will be lost.
Qiwi CEO Boris Kim also spoke out against the strict bans:
“NESP are used to pay for goods and services, parking lots, housing and communal services, and transfers between citizens through them are prohibited, the risk of money laundering is minimal. The cancellation of settlements through the NESP seems to be an excessive measure that will cause a lot of inconvenience to conscientious citizens, of whom the vast majority, and a small number of unscrupulous ones will definitely find a loophole. After all, no one cancels cash payments, namely, cash provides complete anonymity of the payer, unlike NESP, where, as a rule, the mobile phone number acts as an identifier.
According to Kommersant, Rosfinmonitoring and Central Bank officials will soon meet to work out unified position after which the ban will take effect.
As part of the consideration of amendments to the law “On National payment system”in the government, Prime Minister Dmitry Medvedev expressed the position that withdrawals from anonymous wallets and cards should be completely prohibited. Their holders will be able to use the funds only for transfers and settlements. According to market participants, such drastic steps are unnecessary, and the risks associated with anonymous cards and wallets are exaggerated.
The movement of money when using means of payment must be transparent, Prime Minister Dmitry Medvedev said at a government meeting. Amendments to the law on the national payment system are considered at the meeting. They will affect the part that regulates the movement of funds when using anonymous electronic means of payment, that is, Internet wallets and non-personalized bank cards. The head of government said that cash withdrawals from anonymous bank cards would be prohibited. According to him, these funds are often used to cash out money of criminal origin, they are used to launder capital and give bribes, while it is almost impossible to trace the final recipient of the funds. Owners of finance will be able to manage the balance of money: transfer it to their own account, to the company’s account and individual entrepreneur or settle with the bank, he concluded.
These amendments were previously approved by the Government Commission for Legislative Activities.
Currently, individuals can use non-personalized electronic means: anonymous "electronic wallets" of payment systems or depersonalized prepaid bank cards. In the spring of 2016, Pavel Livadny, Deputy Director of the Federal Financial Monitoring Service (Rosfinmonitoring), announced a significant risk of anonymity associated with unidentified electronic means of payment. “Together with a number of credit institutions, with the Bank of Russia, with the Ministry of Finance, we are discussing the possibility of abandoning unidentified electronic means of payment by linking these payment instruments - electronic wallets and so on - to a bank account,” he said. I think if this initiative passes, we will significantly increase security, eliminate anonymity and create worthy serious economic preferences for the banking sector, he noted.
Participants in the market of electronic "wallets" assessed this initiative as excessive and warned of possible negative consequences taking such measures. In their opinion, the problem of anonymous wallets and cards is exaggerated, because the user still registers the first time they use the service, leaving at least their contact details. In addition, market participants reminded about recent changes into legislation, according to which unidentified payment transactions began to be limited by more stringent rules (the amounts of such transactions can now be no more than 15 thousand rubles at a time and no more than 40 thousand rubles per month, and the recipient can only be Russian organization). According to the market, the process of increasing the share of identified payments should be evolutionary.
Ksenia Dementieva
On October 12, 2017, news appeared in the media space of the Russian Federation that the State Duma had considered and approved a bill that would prohibit withdrawing funds from anonymous bank cards and wallets (draft law No. 287876-7 “On Amendments to Articles 7 and 10 federal law"On the national payment system").
This message caused a resonance among users of payment systems, because following the news, various resources began to publish their own comments, fomenting panic.
We decided to clarify the situation to our users in order to dispel all speculation.
The essence of the bill
No. 287876-7 “On Amendments to Articles 7 and 10 of the Federal Law “On the National Payment System”
The bill “On Amendments to Articles 7 and 10 of the Federal Law “On the National Payment System” prohibits the withdrawal of cash from anonymous bank cards and accounts in payment systems. This measure is aimed at improving control over anonymous payments by individuals using non-personalized means, since they are widely used in the criminal environment.
To date, it is very difficult to establish the purpose and purpose of such transfers, and in some cases it is completely impossible.
At the same time, the law provides for a ban only on withdrawing cash from anonymous cards and does not affect non-cash transactions.
This means that the owner of an anonymous card or account in the payment system can use the funds on his card to transfer them to the account individual, legal entity, individual entrepreneur, credit institution.
Russian Prime Minister Dmitry Medvedev commented on the adoption of this law as the need to prevent the use financial system countries for criminal purposes: laundering of illegally obtained funds, financing of terrorism, etc.
The purpose of the adopted law is to make the payment system transparent and in line with the current legislation.
We remind you that the law on the prohibition of withdrawing funds from anonymous cards is not the only attempt to take control financial operations. In 2016, restrictions were introduced on transfers through payment systems. Currently, the daily limit for withdrawing funds from an ATM from an anonymous card is 5,000 rubles (up to 40,000 rubles per month).
What is an anonymous card?
Many users of electronic payment systems and, having heard about the above law, began to doubt whether they would be able to use their cards,.
Messages appeared on some Internet resources that began to raise a wave of panic and questions: “What will happen to Skrill and NETELLER cards after the law comes into force? Will it be possible to withdraw money from them?
To understand the situation, let's first turn to the terminology.
An anonymous bank card is a card that does not have a number and does not contain information about the owner.
Under this definition only gift cards are included, which can be purchased at the bank. This card cannot be recharged. She has an account with a certain amount of money.
You can pay with a gift card in a store or withdraw funds from it at an ATM. About anonymous plastic cards you can read
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The Russian government instructed the Central Bank, the Ministry of Justice, the Ministry economic development And Federal Service on financial monitoring to study the issue of the possibility of prohibiting the transfer of funds to non-personalized electronic means of payment (NEP), which include anonymous electronic wallets and non-named bank cards. Writes about this "Kommersant".
According to sources of the publication, the issue was discussed in early December 2017 at a meeting in the Ministry of Finance. During the meeting, it turned out that the Central Bank, in addition to a ban on crediting funds, also wants to introduce a ban on withdrawing cash from prepaid cards and wallets. At the same time, Rosfinmonitoring proposes to completely ban such anonymous wallets and cards. To open means of payment, according to the financial monitoring service, our fellow citizens need to undergo a full identification of the person.
Rosfinmonitoring spokesman Pavel Livadny explained that the rejection of anonymous wallets and cards is a measure to counter terrorist and other criminal activities.
On the other hand, the Central Bank believes that this is too rigid a position and that mandatory identification in the NESP may force people to switch to cash.
It should be noted that in the event of a hard ban, many citizens may also prefer the use of digital currencies, which are now becoming widespread throughout the world. Recall that at the moment for NESP there is a limit of up to 15,000 rubles per day, and the movement of funds on them is not controlled.
In October last year, Prime Minister Dmitry Medvedev said that anonymous wallets and cards should be banned, as this is not the most civilized way to transfer money.
The measures planned by the regulators caused a negative reaction from the expert community. So, the head of the ONF project "For the Rights of Borrowers" Viktor Klimov said:
NESP are widely used by ordinary citizens. For example, electronic wallets are used to pay for parking, the Troika card for public transport is also an NEP. If you try to force citizens to transfer funds only through a bank account, for many, the very meaning of using such a product will be lost.
Qiwi CEO Boris Kim also spoke out against the strict bans:
NESP are used to pay for goods and services, parking lots, housing and communal services, and transfers between citizens through them are prohibited, the risk of money laundering is minimal. The cancellation of settlements through the NESP seems to be an excessive measure that will cause a lot of inconvenience to conscientious citizens, of whom the vast majority, and a small number of unscrupulous ones will definitely find a loophole. After all, no one cancels cash payments, namely, cash provides complete anonymity of the payer, unlike NESP, where, as a rule, the mobile phone number acts as an identifier.
According to Kommersant, officials from Rosfinmonitoring and the Central Bank will soon meet to develop a common position, after which the ban will come into force.
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