The first criminal case in Russia concerning the transfer of bank accounts to fraudsters, known as “droppers,” has been initiated in Moscow, leading to heightened concerns among citizens about cashless transactions and potential account blocks. A 52-year-old Moscow resident was detained for allegedly opening an individual entrepreneur account at the direction of fraudsters, through which over a million rubles of stolen money was transferred.
This case marks the first application of a recently introduced law targeting “droppers,” which carries penalties including fines up to 300,000 rubles or imprisonment for up to three years. Lawyer Timur Matveev emphasizes the increased vigilance required of citizens, as even unintentional participation in such schemes can lead to criminal liability. Lawyer Alexander Vasiliev anticipates a surge in “dropping” cases, now that there’s a legal basis for prosecution, and highlights a provision for exemption from liability for first-time offenders who cooperate with investigations.
The new law has inadvertently caused fear among individuals who regularly receive non-cash transfers, with some refusing to use the Faster Payments System (SBP) fearing being blacklisted. Many bank customers report that their funds are being held for extended periods due to overly cautious banks blocking seemingly harmless transactions, based on amendments to the Federal Law “On Counteracting the Legalization of Proceeds from Crime”.
Examples shared by MSK1.RU readers include blocked transactions for everyday purchases like toothbrushes, transfers for monument installations, and even transferring money between one’s own accounts. Some individuals have experienced complete account blocks for seemingly innocuous activities like paying for hotel reservations or making transfers to previously unused banks.
Readers report instances of blocked cards, demands for explanations of savings, and even banks blocking cards out of spite, leading to significant inconvenience and financial disruption. One individual reported being unable to buy a toothbrush for 400 rubles, while another had their card blocked for transferring money to themselves. Another person had a loan stopped due to a security officer believing they were under the influence of scammers.
These experiences have fueled outrage and distrust in the banking system. The prevailing sentiment among many is a shift towards cash-only transactions to avoid potential complications and unwarranted scrutiny.