The request is contained in the NBU's internal letter No. 24-0006/28104, which was at the disposal of the mass media.
In the document, the regulator provides several examples describing payments it considers abnormal. These include transfers from one card to many others, or when the owner of one card receives money from many other cards on his account. This applies both to transfers between cards of the same bank and between cards of different banks. For example, from Privatbank to monobank or Sens Bank, A-Bank, etc.
Ordinary transfers between people's cards, p2p transfers easily fall under these descriptions. Previously, users of various currency exchange exchanges faced blocking of the accounts they used for transfers.
The NBU also requested information from the banks regarding other types of operations that they consider abnormal - without a specific description. As they say, at the discretion of the banks themselves.
Support, tracking of client payments by financiers is what the regulator has been demanding from Ukrainian banks for a long time. On January 16, these demands were announced publicly. However, all this was submitted in the format of recommendations and was subject not only to payment, but also to financial monitoring. But from the tone of today's document, it is clear that the bankers did not very actively follow the National Bank's advice, or perhaps did not respond to it at all.
Therefore, in the above-mentioned letter of the NBU No. 24-0006/28104, the regulator demanded from financial institutions to answer whether banks have started to implement recommendations for tracking and analyzing money transfers using customer cards. And whether the financiers have implemented monitoring rules that make it possible to identify, track and stop payments for prohibited types of economic services. Namely, regarding the illegal organization of gambling (gambling), the withdrawal of money obtained by criminal means, including fraudulent schemes.
The National Bank is also interested in whether banks have their own methods of detecting compromised cards that are published on the Internet - in particular, on the sites of illegal casinos and gambling organizers, as well as on the sites for the sale of excise goods in social networks/messengers, on the pages of pseudo-payment services, for example, Geopay Settlepay.
If anything abnormal or suspicious is detected, banks are obliged to stop payments, and if the client does not give an adequate explanation later, then even block the account and close it forcibly. Bankers unofficially give people only one advice - to have more accounts in different banks.
The problem is that the National Bank uses too abstract formulations such as "numerous sent payments" or "numerous received payments", which are considered an anomaly. But it does not indicate how much it is - "many". According to the logic of the regulator, each bank must determine this for itself and its customers. In one bank, up to 10 money transfers to third-party cards are considered "a lot", and in another - as many as 20. Maybe later the NBU will give its criteria, but so far there is none.
So financiers advise less often to transfer money between the same accounts. Why do you need to have more card accounts in different banks. Today you use the card of one bank, tomorrow - of the second, third, etc. One bank does not know what is happening in another, so you can ignore yourself, experts advise.
