What cost the Russian banks the most was correspondence with the tax authorities. For January - August 2026, they paid 553 million rubles for incorrect and late information about customers, compared to 19 million a year earlier. Next to the statistics are actions that are much more sensitive for the customer: the supervision ordered to stop spending money or to transfer the debt to the budget. The fines for both articles have also increased several times. And yet, the tax office presented the central account to the banks.
For violation of decisions to suspend operations, the amount increased from 7 million to 33 million rubles, for unfulfilled orders to collect taxes from citizens and businesses - from 3.2 million to 19 million. For 8 months, the increase in all 3 items amounted to about 576 million rubles. Of these, 534 million were caused by delays and data errors. In other words, out of every 100 additional rubles lost by the banks on these fines, about 93 resulted from the obligation to respond to the inspector in a timely and accurate manner.
Such expensive correspondence has a short calendar. According to a reasoned request for cash flow, the bank has 3 business days to issue a statement. Article 135.1 of the Tax Code assesses delays and false information in the same 20 thousand rubles. You can give an impeccably accurate answer and still get fined for having the extract queued up for another day. The opposite problem is also possible: the program regularly sends timely responses, and reproduces an error in the details. Speeding up shipping in the second case will only allow for more damaged items to be sent faster.
How the tax office gains time can be seen in another section of the same switchboard - notifications on opening and closing accounts. As of January 1, 2026, the bank transfers them through the state system of interdepartmental interaction. After receiving the package from the electronic queue, the Federal Tax Service is obliged to check the format and reply to the bank no later than the next business day. The message contains the date the package was submitted and the date the verification was completed. There is no point in agreeing when the file was released.