--- title: "If documents are absent, incomplete or doubtful, or the amount is split, the bank is advised to… — ЦБ — DecisionGateway" description: "statement by ЦБ, recorded recently — verbatim quote and source citation." canonical_url: "https://dgw.tmarket.io/claims/01a1bbe5-278b-77bd-83ce-46e8dc4ffc85" meta: "og:description": "statement by ЦБ, recorded recently — verbatim quote and source citation." "og:image": "https://dgw.tmarket.io/og.jpg" "og:image:alt": "White network of connected nodes crossed by a timeline on black" "og:image:height": "1024" "og:image:width": "1024" "og:title": "If documents are absent, incomplete or doubtful, or the amount is split, the bank is advised to… — ЦБ — DecisionGateway" "twitter:image": "https://dgw.tmarket.io/og.jpg" --- > Index of every page on this site: [llms.txt](https://dgw.tmarket.io/llms.txt) statement # **If documents are absent, incomplete or doubtful, or the amount is split, the bank is advised to consider refusing the operation under 115-ФЗ, filing a suspicious operation report and raising the client's risk level.** A statement by [**ЦБ**](https://dgw.tmarket.io/actors/01a1b68c-795f-729b-8f15-b4244280fcdb). Statements are as reported by the cited publishers — not verified by DecisionGateway. > *Нет документов, они неполные или вызывают сомнения, сумму дробят - банку советуют рассмотреть отказ в операции по 115-ФЗ, сообщение о подозрительной операции и повышение клиенту уровня риска.* ohmyswiftblogPublished 2026-10-29 [ Read source](https://t.me/ohmyswiftblog/1198) [**ЦБ dossier **](https://dgw.tmarket.io/actors/01a1b68c-795f-729b-8f15-b4244280fcdb) ## **Related claims** [**A request can be skipped if the bank already has documents for a comparable amount and volumes have not sharply increased.**ЦБ · statement](https://dgw.tmarket.io/claims/01a1bbe5-2792-7802-85f9-83e5dcf4cac1) [**If the amount is from 5 million rubles at once or per calendar month, including ATM deposits, the bank must establish the source of the money and obtain supporting documents before the operation.**ЦБ · statement](https://dgw.tmarket.io/claims/01a1bbe5-2769-7c34-bcd9-bd220ad6261d) [**Failure to provide such confirmation may result in refusal to grant the payments or suspension of their provision.**prg\_jur · prediction](https://dgw.tmarket.io/claims/01a1d447-5e3b-75fa-bd09-723f27d6c981) [**The Bank of Russia issued a recommendation (5-МР) on verifying the origin of cash for four types of cash operations in rubles, and the same applies to analogous operations with cash foreign currency.**ЦБ · statement](https://dgw.tmarket.io/claims/01a1bbe5-2761-75f7-a310-139ad042e7eb) [**Bypassing sanctions regimes threatens banks with substantial risks.**Банк Израиля · statement](https://dgw.tmarket.io/claims/01a1bbe6-acfe-7e35-ab61-f9f8f2ce66d1) [**The bank does not name the reason; branches cite a 'commercial decision' and 'risk policy'.**ohmyswiftblog · statement](https://dgw.tmarket.io/claims/01a1bbb5-8f89-7886-9d14-5360589e33cd) ## **More claims by ЦБ** [**The Central Bank considers the growth of the share of non-cash payments its achievement: it increases the transparency of the financial system, reduces the costs of issuing and collecting cash and takes money out of the shadow sector of the economy.**statement](https://dgw.tmarket.io/claims/01a1cb88-a4c7-7873-a187-a7b187125572) [**A request can be skipped if the bank already has documents for a comparable amount and volumes have not sharply increased.**statement](https://dgw.tmarket.io/claims/01a1bbe5-2792-7802-85f9-83e5dcf4cac1) [**According to the Bank of Russia, the recommendation affects a "narrow segment of clients".**statement](https://dgw.tmarket.io/claims/01a1bbe5-2785-7795-a8a6-45b073a9247d) [**The new recommendation no longer has the foreign-transfer condition, and currency exchange and bullion have been added.**statement](https://dgw.tmarket.io/claims/01a1bbe5-2778-76f4-b5b2-4597d250b255) [**In the May version (1-МР), the same 5 million over 30 days was a reason to look closer only if cash made up at least 70% of account inflows and at least 70% of that left via transfers abroad within about 10 days; the bank reviewed this after the fact.**statement](https://dgw.tmarket.io/claims/01a1bbe5-2772-77ec-b1e0-0f8305c08964) [All claims by ЦБ](https://dgw.tmarket.io/claims?claimant_id=01a1b68c-795f-729b-8f15-b4244280fcdb) [All claims](https://dgw.tmarket.io/claims) ```json {"@context":"https://schema.org","@graph":[{"@id":"https://dgw.tmarket.io/#website","@type":"WebSite","description":"Decisions, events and falsifiable forecasts from 3,000+ Telegram channels — every claim cited. 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