The Bank of Russia has expanded the list of indicators of fraudulent transfers from 6 to 12

The Central Bank of Russia has decided to expand the list of indicators of fraudulent transactions from six to twelve. The new rules will come into effect on January 1, 2026, and banks will receive additional tools to identify suspicious transfers, helping protect client funds from fraudsters.

Full list of 12 indicators of fraudulent transactions

Six indicators that were previously in effect

The existing six indicators of fraudulent transactions remain in effect:

1. Matching recipient information with the Central Bank's database of fraudulent transactions.
2. Use of devices from the Central Bank's database that have previously been used by fraudsters.
3. A transaction that is unusual for the client in terms of amount, time, frequency, or location.
4. Transfers to accounts previously used for fraudulent transactions.
5. Information about an open criminal case against the recipient.
6. Data from third-party organizations indicating a fraudulent transaction.

Six new criteria

Six new criteria have been added to the existing indicators:

1. A transfer to a person with whom there have been no financial transactions in the last six months, if the client previously transferred more than 200,000 rubles to themselves through the Fast Payment System (FPS).
2. A change of phone number in online banking or on Gosuslugi within 48 hours before the transfer.
3. Suspicious events on the client's device—a change in operating system, mobile provider, or detection of malware.
4. Cash deposits using a tokenized card at an ATM within 24 hours of a cross-border transfer of over 100,000 rubles.
5. Exceeding the data exchange time between the card and the ATM during a contactless transaction.
6. Information from the National Payment Card System about the risk of fraud for a specific transfer.

Recipient Verification in the New System

A separate feature will be the verification of recipients in the state information system for combating crime, which will become operational on March 1, 2026. Banks will be required to verify recipient data against this database before conducting transactions.

Digital Ruble Under Control

Two additional features have also been introduced for transactions involving the digital ruble, which will help combat fraud. These measures are aimed at enhancing the security of financial transactions and protecting clients from potential risks.

In Conclusion

Thus, expanding the list of indicators of fraudulent transactions is an important step in ensuring the security of financial transactions and increasing trust in the banking system.