Card blocking under Federal Law No. 115-FZ

The bank reviews card transactions and identifies suspicious ones.

If transactions carry a high risk, the card may be blocked. This is necessary so that the bank and the client are not involved in criminal schemes. Blocking the card is not a refusal to process a transaction; transactions can be carried out at a bank branch.

The card will be unblocked if the suspicions are removed.

A card may be blocked if the bank requested documents but did not receive them from the client within the установленный срок. Sometimes a card may be blocked simultaneously with the request for documents. The bank sends an SMS about the fact of the card block.

For prompt unblocking of the card, please provide documents confirming the transparency of the transactions performed to the email address service.zapros@uralsib.ru.

If you are ready to explain the nature of the transactions performed and confirm them with documents, the bank's suspicions will be removed, and you will continue using the card.

Send to the bank documents confirming the lawful purpose and substance of the transactions being carried out, and wait for the results of their review.

The documents must be sent to the email address: service.zapros@uralsib.ru.

If the documents are provided and confirm the lawfulness of the transactions, following the results of their review the bank will unblock the card. The card will not be unblocked if, after reviewing the documents, the bank has made a negative decision.

Usually the following documents are required:

• written explanations of the economic purpose of the transactions carried out,
• 2-PIT certificate for the last 12 months or other documents established by law confirming the sources of origin of funds,
  
• documents (agreements, contracts, arrangements) serving as the basis for the transaction, as well as documents confirming their performance (certificates of completion, invoices, товарные and/or cash receipts, etc.),
  
• information on accounts opened with other credit institutions.
  

If you are an individual entrepreneur and transfer money to your personal account, documents related to the individual entrepreneur's business activities will also be required.

The documents must be sent to the email address service.zapros@uralsib.ru

If the bank does not receive the documents, it will still have suspicions that the client's transactions are related to money laundering. In such a case, the bank may refuse to carry out the transaction and recommend closing the account.

• cooperate only with verified counterparties,
• do not agree to open an account or issue a card at the request of other persons,
  
• do not hand over your bank cards or disclose their payment details to anyone,
  
• do not transfer through your cards and accounts, or withdraw money that does not belong to you, at the request of other persons,
  
• do not conduct transactions through a personal account or card related to business activities (for this, you need to open an individual entrepreneur account), 
  
• use cashless payment whenever possible.
  

By following these rules, you will not be involved in criminal schemes.

The review period for documents is 10 business days.

For additional information, you can contact the chat in Online banking or call the Contact Center at 8 800 707 0177.