What should you do if the bank refused to carry out a transaction under Federal Law No. 115-FZ?

1. Complete an application and prepare the documents

Submit to the bank a completed Application for removal of the grounds for refusal (hereinafter, the Application).

The Application must be accompanied by documents and/or information confirming the absence of grounds for deciding to refuse the transaction according to the list, as well as any other information relevant to the bank's review.

Copies of documents must be certified by an authorized representative: the documents must bear the note “true copy”, indicate the surname, first name, patronymic, and also include a handwritten signature, certification date, and seal imprint (if any).

Before sending the Application and the set of documents to the bank, make sure that:

1. The Application is submitted to the bank in the prescribed form
2. The requirements for the formatting of the Application and documents have been complied with
3. The text of the Application is legible and makes it possible to determine its substance
4. The Application is accompanied by documents (information) that may indicate the absence of grounds for deciding to refuse the transaction
5. The Application does not contain obscene and/or offensive language or threats to the life, health, or property of bank employees or other persons

2. Send the Application to the bank

You may submit the Application in hard copy together with supporting documents to the servicing branch of the bank or send a scanned copy of the Application (with scanned copies of the documents attached) via Uralsib Business Online online banking (link to instructions).

3. Wait for the review results

Your Application will be reviewed within 7 business days from the date it is submitted to the bank.

The bank's response will be sent via online banking and the mobile app; if these are unavailable, it will be sent by post.

IMPORTANT! In the event of a negative response, you may collect a new set of documents and resubmit them to the bank for review.

If the bank informs you that the refusal decision remains in force (a notice that it is impossible to remove the grounds on which the refusal decision was previously made), you may обратиться в Interdepartmental Commission (Clause 13.5, Article 7 of Federal Law No. 115-FZ).