The bank may reject the transfer due to a virus on the phone. Transfer the money yourself, the details are correct, the amount is normal - but the operation does not go through. From March 1, 2027, the reason for such a refusal may be information about a malicious program on the device from which you send money. This is a norm that has already been adopted in Law No. 210-FZ of June 26, 2026, but this procedure has not yet entered into force. Last week we discussed the financial media again. It is easy to confuse two things here - preventing an operation from an infected phone and blocking the entire account. A new rule by itself does not mean a ban. According to the Bank of Russia, if malware is detected, the bank will have to decline the operation, explain the reason and offer to perform it from another secure device or at a branch. Checking the device with security means requires the customer's consent. The logic is clear - if an outside party has gained access to the phone, the confirmation from the app is no longer so convincing; The application may not be under the control of the owner. So the question is not only who the money goes to, but also who actually pushes the buttons. In this regard, a clear explanation of the refusal is particularly important to us. The customer is not interested in an "operation unavailable" address, but a specific way to get their money is.

The bank may reject the transfer due to a virus on the phone. Transfer the money yourself, the details are correct, the amount is normal - but the operation does not go through. From March 1, 2027, the reason for such a refusal may be information about a malicious program on the device from which you send money. This is a norm that has already been adopted in Law No. 210-FZ of June 26, 2026, but this procedure has not yet entered into force. Last week we discussed the financial media again. It is easy to confuse two things here - preventing an operation from an infected phone and blocking the entire account. A new rule by itself does not mean a ban. According to the Bank of Russia, if malware is detected, the bank will have to decline the operation, explain the reason and offer to perform it from another secure device or at a branch. Checking the device with security means requires the customer's consent. The logic is clear - if an outside party has gained access to the phone, the confirmation from the app is no longer so convincing; The application may not be under the control of the owner. So the question is not only who the money goes to, but also who actually pushes the buttons. In this regard, a clear explanation of the refusal is particularly important to us. The customer is not interested in an "operation unavailable" address, but a specific way to get their money is.