Experts talk about which words in messages when transferring money can cause the card to be blocked. About this report News.ru.
As Maria Ykovleva, director of the legal group Ykovlev and Partners, says, today messages sent to recipients during bank transfers have become an area of increasing attention – in 2026, stricter rules aimed at protecting against fraudsters came into force in Russia. Banks are now required to monitor money transfers and block those made under suspicious circumstances.
Under the new regulations, banks can suspend transfers or even block cards, even if the comment seems suspicious to the bank. The most suspicious words, as Ykovleva said, are the words “weapons”, “bribery”, “casinos”, “drugs”, “cryptocurrency payments”, “mortgage debt”, “sharing in a gray business” and the like. Writing something like this even as a joke is extremely risky, because the bank's algorithms don't pay attention to context.
“The bank's next actions depend on its policy: from suspending a single transfer to completely blocking the account,” Ykovleva said.
At the same time, the expert added that indicating a specific goal in such a document is also a risk. Words such as “goods”, “services”, “repair”, “consulting” may signal the possibility of conducting business without appropriate registration.
The expert added: “The system responds to the trigger words “service”, “product”, “payment”, including specifications, such as “for a painting”, “for phone”, “for headphones” or “for apartment rental”.
At the same time, the managing partner of the law firm Sakura Legal, Daniil Bazylev, believes that the blocking occurred not due to individual words, but based on the results of a more complex analysis of the entire operation.
“If there are too many transactions and they have a characteristic pattern – for example, receiving many small payments daily (250-300 rubles from 50 people, as in the case of shawarma sales), the bank will recognize this as a commercial activity and start monitoring the account, which can lead to blocking,” he explains.
