---
title: 'ТЕПЕРЬ НАЛИЧКА НЕ БЕЗОПАСНА! Новые ограничения по наличке с 9 сентября 2025 года!'
source: 'https://youtube.com/watch?v=iEIPB11AYhs'
video_id: 'iEIPB11AYhs'
date: 2026-07-24
duration_sec: 769
---

# ТЕПЕРЬ НАЛИЧКА НЕ БЕЗОПАСНА! Новые ограничения по наличке с 9 сентября 2025 года!

> Source: [ТЕПЕРЬ НАЛИЧКА НЕ БЕЗОПАСНА! Новые ограничения по наличке с 9 сентября 2025 года!](https://youtube.com/watch?v=iEIPB11AYhs)

## Summary

The video discusses new recommendations from Russia's Central Bank, effective September 9, 2025, that increase scrutiny on cash transactions. It outlines six official criteria and nine potential criteria that could lead to bank card blocking, and advises viewers to pay taxes to avoid issues.

### Key Points

- **Context and Purpose** [00:02] — The video addresses new restrictions on cash use following previous issues with card blocks under Federal Laws 115 and 161.
- **Potential Blocking of Cards** [00:29] — Using cash can now lead to bank card blocking under the new rules.
- **Central Bank Recommendations** [00:45] — From September 9, 2025, the Central Bank issues official recommendations to banks on monitoring cash users.
- **Overview of Criteria** [01:12] — The video covers six official criteria and nine additional potential criteria for blocking.
- **Purpose of the Law** [02:20] — The laws target droppers (people selling bank accounts) and fraudulent transactions, especially those involving cash from scams.
- **First Official Criterion** [04:03] — Depositing cash into an account without being able to explain its source can lead to transaction blocking.
- **Second Official Criterion** [04:29] — Depositing cash significantly exceeding average monthly income raises questions.
- **Third Official Criterion** [05:21] — Using cash to pay off a loan without explaining the source can be blocked.
- **Fourth Official Criterion** [05:37] — A third party depositing cash into a client's account without evidence of connection is suspicious.
- **Fifth Official Criterion** [05:52] — Buying foreign currency with cash of unexplained origin is monitored.
- **Sixth Official Criterion** [06:20] — Banks will check publicly available information, including social media, to identify clients like federal officials.
- **Three Key Laws** [07:14] — Blockings are regulated by Federal Laws 115, 161, and 41 (amending 115).
- **First Potential Criterion** [08:49] — Withdrawing money at unusual times (e.g., 3 AM) or for unusual amounts.
- **Second Potential Criterion** [09:14] — Excessively long response time from an ATM, indicating possible hacking.
- **Third Potential Criterion** [09:29] — Using a withdrawal method not previously used by the client (e.g., QR code).
- **Fourth Potential Criterion** [09:44] — Withdrawing cash within 24 hours of a loan being issued.
- **Fifth Potential Criterion** [10:11] — A message indicating the withdrawal is without the client's voluntary consent.
- **Sixth Potential Criterion** [10:24] — Excessive activity on messengers and a sudden withdrawal.
- **Seventh Potential Criterion** [10:52] — Changing the phone number linked to Gosuslugi or bank account.
- **Eighth Potential Criterion** [11:06] — Five or more cash withdrawal refusals in one day due to incorrect PIN.
- **Ninth Potential Criterion** [11:20] — Card listed in the Central Bank's fraudulent database (compromised cards).
- **Advice to Viewers** [11:57] — If you pay taxes, you have nothing to fear; cash is still easier than bank transfers for compliant users.

### Conclusion

The new rules aim to combat fraud and money laundering, but law-abiding citizens who pay taxes should have minimal issues. The video advises staying informed and compliant.

## Transcript

an end.  The market had just begun to recover from the problems with card blocks under Federal Laws 115 and 161 , when new restrictions were introduced , but now on the contrary, on cash in our country.  When I released two of my videos related
many people wrote in the comments: "So, what's the problem with using cash? Now problems are going to arise. And they will arise for everyone. And if you, like me, like any use cash to any extent , then be sure to watch this
your bank card can now be blocked . We will not waste a Let's go. Previously, when you received cash somewhere or, conversely, withdrew it, your loan in cash, no one raised any questions, because tracing the true
difficult. You could always say that my mom, dad, or any maybe I earned it at some point. And overall, there are no questions. From September 9, 2025, everything changes. The Central Bank is giving official recommendations to
everyone  Credit institutions, or rather, banks, on how to monitor those who regularly use cash. In today's video, I'll tell you about six official criteria that could cause you problems with your bank, and
nine more potential criteria that will also most likely come into effect soon outline of our video. The first thing we'll discuss is precisely these could make your cash transactions
block them from the bank, causing you major problems. I won't make unfounded claims about any laws that do n't exist. These are all official recommendations from . I'll show you them in the Consultant Plus app. I think
that is issued is almost always available here. The recommendation, by the way, is from September 9, 2025, so you'll be one of the first to know about it. same recommendation in a shorter form. I'll just leave it in the description of
watch, double-check, and read it in a shorter form. We'll also discuss nine more criteria by which your card can be blocked. They haven't yet come into force, but they will most likely also be taken into
is the law that will actually govern the blocking. This, confirmed. And, well, in general, all we have to do is wait for the first cash-related blockings. I'll also tell you what to do, basically,
to avoid any blockings and to always be able to use both cards and cash without any problems. So, the official recommendation from the Central Bank of September 9, 2025, is to increase the attention of credit institutions, that is, banks, to
cash. First, it explains to us who this law was created for. documents, the first thing that always comes first is  It says: "This law was introduced in connection with." And again, under my previous videos, they wrote to me: "In general, 115 and 161 have nothing to do with
cryptocurrency, nothing to do with P2P, but here it is written in black and white that these laws, all of which I have listed so far, are introduced against droppers, that their cards, who sell their
bank accounts and who, well, do not understand the consequences of giving someone else your financial freedom." So, the law illegal financial transactions and reduce the risks of involving credit
whose real purpose is to legalize the laundering of proceeds from crime. That is, against processors, against droppers, here, by the way, there will be great examples presented of how fraudsters
use cash to deceive grandmothers, grandfathers, or simply simple-minded people finances. Well, seriously, let's put it this way. So, the bank is paying closer attention to two types of increase in the share of cash deposited into an account by a client, legal entity
, or foreign unincorporated entity. So, in essence, if money is deposited into a regular individual account and there's attention and will additionally look at six criteria,
is depositing cash into an account whose source can't explain where you got so much cash or where you got the cash in the first place , the bank can easily block the transaction, just like it can
block a single bank account. And according to Federal Law 161, we have the right to block all bank accounts , including Izberbank, discuss the remaining four signs for subordinate
transactions.  With cash. The bank is obliged to pay additional attention to transactions carried out by to deposit cash into their deposit account, if the amount of funds deposited significantly exceeds the amount of their
average monthly income. That is, if the bank has information about how much you earn, how you earn, let's say you earn 2 million a year, and you received 500,000 in cash one day, well, the bank has a question, buddy, but you
filed a declaration for 2 million, where do you get 500,000 a day? I repeat, for those who work honestly, this is a problem, but for fraudsters, this is another step
deceive their victim. That is, all this is done against the fraudster. The next thing that needs to be paid attention to is transactions carried out by clients to deposit cash into the bank's cash desk for subsequent crediting to the account for the
them. That is, if you bring your  If you're trying to pay off a loan with cash and can't explain its origin , the bank has the right to block the transaction. Furthermore, if a third party deposits cash into a client's account
if the bank has no evidence of a connection between these parties, these parties, criterion is clients purchasing foreign currency with
of which they can't explain. If you buy dollars and can't explain where recommendations aren't just against fraudsters, but against those officials in our country who are in any way connected to the state. For example, let
's say, deputies or other officials who somehow acquire billions of dollars or any other property— these recommendations are also aimed at them, because if the identified
transactions correspond to the points we discussed, we should ensure transactions.  Next, conduct a more in-depth check on the client and their activities, representatives, beneficiaries, and so on. And, most importantly, analyze
publicly available information online, including the client's social media activity, to determine whether the client belongs to specific categories, such as federal executive officials
. This means that if cash is deposited onto the card of a deputy or, again, an employee, they will be subject to additional scrutiny. Clients may also be information about the nature of the transactions. You deposit cash, your transaction is blocked
, and the bank calls you and asks, "Is this you depositing?"  For what reasons?" And recommendations that you can read for yourself. I don't see don't concern us. The next link is the same law, this is the same
recommendation, or rather, in a shorter form, that is, very compressed. I still advise you, I recommend that you read again what I have already told you, and then move on to the blocking criteria that may still arise
In general, all these blockings are regulated, well, probably, by three laws. The first is Federal Law 115. I have already discussed it in detail in my previous videos. And in fact, we will now discuss similar criteria from this law. This is
Federal Law 161. The same applies to digital currencies. Again, I discussed this in my previous videos. And, well, a relatively new law, Federal Law 41, which amends Federal Law 115 and, in fact, supplements the
limits and restrictions on cash circulation. This law, you can read about it again in the consultant  Plus. There's a huge tome here covering everything here because it would be so long that you'd get
tired of listening to me. We'll just go over these nine signs so you never fall for them. As I said earlier, this is designed to protect against fraudsters. The Central Bank of Russia is introducing restrictions and rules. They
will help determine whether a fraudster is trying to steal our go over them a little further down. You can read the description, greeting, and everything else. And we'll see nine criteria for blocking. According to Viktor Kokh, these are CFM managers,
doesn't really matter to us who they are, we're interested in what signs and read each one in full because the video is already getting quite long. You can I'll leave in the description. I'll just explain these nine
criteria in my own words. So, the first criterion is money.  They withdraw money at an unusual time of day for the client , or for unusual amounts. Again, we've already discussed this. If you usually only withdraw money there at 12:00 or 6:00 PM after work,
and now you start withdrawing at 3:00 AM your time, the bank will slap you. Well, the amounts are understandable. You previously withdrew 10,000, now you're withdrawing 100,000. The bank has questions for you. The second criterion is an excessively long response time from the ATM. This is
damn, the ATM is working for a long time, and I should be worried about slow response on devices could indicate hacking or interception of card data. Well, in fact, such a sign, well, it kind of takes place. Next, this is a
the client has not used before. That is, if you previously always withdrew money from an ATM, and now you decide to quadruple the amount on the transaction Withdraw using a QR code, was hacked? And the scammer withdraws money using the QR code . The next thing is withdrawing money
within 24 hours of the loan being issued. Well, honestly, I can't understand why here. Let's say I decided to buy a car. I wanted to withdraw the money right now. You never know, they're delivering it to me right now . Crap, and your card can be
blocked. Well, that's just wow, but it's possible. Next, there's a message that the withdrawal operation is being carried out without the client's voluntary consent. That is, if someone calls and says: "My grandmother is being scammed right now, please help
." So-and-so wants to withdraw such-and-such an amount, the bank blocks it. one of the relatives managed to find out that scammers are taking money from poor grandmothers, it's cool that they can block it simply by calling. But you and I
. Then there's excessive activity on messengers and a sudden my previous videos, I've already talked about how, under Federal Law 161 and Federal Laws 360 and 369, banks have the right to monitor
and SMS messages you receive. reality, it works against everyone. If you too many calls, and then you go and withdraw money, you're most likely being
Bank. Then there's changing the phone number linked to Gosuslugi or your bank account. Well, it's clear that if you changed your number and immediately want to withdraw a large amount, you might have been hacked, and the number is now in the hands of scammers.
Then there's five or more cash withdrawal refusals in one day due to an incorrect PIN. Well, that criterion has always been there. If you forgot your PIN and  You're frantically trying to withdraw money there, well, accordingly, they'll
simply block it, and then you'll have to go and sort it out. And the last, ninth, applies to compromised cards. Simply put, these plastic card owners were included in the Central Bank's fraudulent database. I've already talked about the
huge database of suspicious fraudulent transactions that has been running in our country for a long time. This is designed to target droppers, that is, those people who sell their bank cards and accounts, and
Accordingly, if your card is in this database and you're trying to withdraw cash, you could now have problems. And a logical question arises: what to do then? Transfers are prohibited , cash is prohibited. How are you supposed
to handle money anyway? How are you supposed to pay for groceries ? Guys, if you pay taxes, both on bank transfers and in cash, you have nothing to fear. In our country, you've paid your taxes,  Sleep soundly. But if you decide to somehow
circumvent the system and keep trying , our country is n't stupid, and they introduce new restrictions every time. I can only say that, in general, cash is still a little easier than bank
transfers. It's still better and easier to use cash, but generally, pay your taxes. Guys, if you've already been blocked in any way new laws and new criteria, please describe it in the comments
so others know what to do and how to avoid these criteria. You like this video and leave comments. I wish everyone profits. comments. I wish everyone profits. Bye, everyone.