Banks will tighten checks on the sources of funds when customers deposit large amounts of cash

The Central Bank has issued Methodological Recommendations for banks (No. 1-MR dated 20.05.2026). Credit institutions must now monitor cash transactions daily and request information about the origin of funds. The main goal is to combat cash-out schemes and the withdrawal of funds abroad.

Banks are advised to analyze customer transactions daily, paying particular attention to the characteristic indicators formulated for transactions by both individuals and corporate clients (individual entrepreneurs):

Indicator 1.
Over 30 days, you deposited ≥ 5 million rubles in cash, accounting for ≥ 70% of all funds credited to your account. Then, within 10 days, you spent ≥ 70% of the deposited amount on transfers abroad.

Indicator 2.
You made ≥ 10 cash deposit transactions over 30 days, each for ≥ 100 thousand rubles (the total may clearly be less than 5 million, but the high frequency is a warning sign), followed by a similar rapid transfer abroad of ≥ 70% of the deposited amount.

These measures will not apply to individual customers for whom the credit institution has documented information about their financial standing, business reputation, and the sources of origin of funds and/or other property (for example, a certificate confirming the sale of an apartment, dividends, etc.)..


The approaches proposed by the Bank of Russia are consistent with the FATF Recommendations*, which pay particular attention to establishing information about the sources of funds as part of customer due diligence procedures.
* Financial Action Task Force.