Central Bank recommended banks to make a “dossier” on the self-employed


ЦБ рекомендовал банкам составлять «досье» на самозанятых

The Bank of Russia issued a letter about the problem of blocking of accounts self-employed when performing measures on counteraction to legalization (laundering) of incomes. The regulator recommended that banks in determining the source of origin of the funds to consider the status of the client as self-employed, says RBC.

As noted by the Central Bank, “there are cases of unsubstantiated decisions on abandonment of operations by reason of admission to your Bank account self employed cash in the form of professional income.”

The regulator recommends that credit organizations “to consider information about the customer’s status as a self-employed” and also “to record this information in the questionnaire (dossier) of the client” to use her in the future, by all units and branches of the Bank.

To check whether the client is self-employed, the Bank can use the service on. The tax also encouraged citizens to independently notify the Bank about the account as self-employed, provide a certificate. Help you can create a mobile app “My tax” or in the personal Cabinet on the website of the tax service.

Locking accounts is not the only problem the self-employed. Often, banks require self-employed to have a separate account and IP, because in most banks it is forbidden to use accounts of physical persons for entrepreneurial activity, noted by the Deputy head FNS Daniel Egorov.



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