Online banking comes under pressure In the months of January-July, the Central Bank received 23,800 complaints about refusal to perform remote operations and restrictions on accounts, and in the first half of the year their number increased by a third compared to last year. About 8% of the applications, about 1.8 thousand, were from businesses. Lawyers dealing with the opening of a block speak of an increase in this type of cases by at least 10%. Triggers are standard: uncharacteristic amounts and payments that do not match the declared activity. In such conditions, the case of X-Dzor is indicative, where Alfa Bank set a limit of 200 thousand rubles per month for business transfers and 50 thousand for salaries in a suspicious transaction of 13.7 million. The company failed to pay the counterparty on time, borrowed a single venture and demanded losses from the bank amounting to 7.2 million rubles, which is more than half of the disputed transaction. The Supreme Court rejected the claim and pointed out that the right to dispose of funds is preserved through paper warrants. In this case, lower authorities often take the side of the business. This year, for example, the courts declared illegal for Amazon on behalf of VTB, for Azuvnergo on behalf of Bank Rik and for the trading house Tremlux, which did not restore access even after providing documents. Unblocking is easier than collecting damage, so preventative hygiene remains the primary tool. You have to maintain accounts in at least two banks, prepare a package of explanations for large transactions in advance and respond to the bank's requests in a timely manner. For the market this means an increase in load, because the uncertainty is expensive for both sides. Russian money is now at MAX.

Online banking comes under pressure In the months of January-July, the Central Bank received 23,800 complaints about refusal to perform remote operations and restrictions on accounts, and in the first half of the year their number increased by a third compared to last year. About 8% of the applications, about 1.8 thousand, were from businesses. Lawyers dealing with the opening of a block speak of an increase in this type of cases by at least 10%. Triggers are standard: uncharacteristic amounts and payments that do not match the declared activity. In such conditions, the case of X-Dzor is indicative, where Alfa Bank set a limit of 200 thousand rubles per month for business transfers and 50 thousand for salaries in a suspicious transaction of 13.7 million. The company failed to pay the counterparty on time, borrowed a single venture and demanded losses from the bank amounting to 7.2 million rubles, which is more than half of the disputed transaction. The Supreme Court rejected the claim and pointed out that the right to dispose of funds is preserved through paper warrants. In this case, lower authorities often take the side of the business. This year, for example, the courts declared illegal for Amazon on behalf of VTB, for Azuvnergo on behalf of Bank Rik and for the trading house Tremlux, which did not restore access even after providing documents. Unblocking is easier than collecting damage, so preventative hygiene remains the primary tool. You have to maintain accounts in at least two banks, prepare a package of explanations for large transactions in advance and respond to the bank's requests in a timely manner. For the market this means an increase in load, because the uncertainty is expensive for both sides. Russian money is now at MAX.