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Russian banks are in no hurry to open accounts online
Large Russian banks did not open accounts for customers without a personal presence. The Central Bank granted them this right a month ago. From April 6 to July 1, a measure is in place that allows you to open an account for socially significant needs online. These include mortgage payments, alimony, pensions and other social payments.
As the RBC, in a pandemic, the regulator promised not to apply sanctions for violation of anti-money laundering legislation, which implies a mandatory personal presence of the client. Most banks explained that individuals can open accounts remotely only when ordering a bank card at home.
According to the head of the Association of participants in the market of electronic money and money transfers Viktor Dostov, the root of the problem lies in the fact that banks are afraid to violate anti-money laundering legislation, even despite the resolution. The fines for this reach one million rubles. The expert suggests that concerns are caused by the possibility of clients providing false information.
According to Igor Lebedev, KPMG's risk management consultant in Russia and the CIS, another reason is technical settings. Banks have the necessary platform for working remotely, but they need to reconfigure the automated banking system, and this will take a lot of time.
The Central Bank hopes that banks will nevertheless begin to provide the service of opening accounts remotely, if it is claimed by customers.