115ФЗ

📛 P2P and account blocking in Russia: what next? Can a new one be opened and how to fight back?

If your account has been blocked for P2P transactions under the law 115-FZ, know — you are not alone. This is relevant for Russian banks in 2025, where control over transfers has intensified.

📌 What is happening:

— The account is blocked by the bank

— You may be added to the list of SPFMs (suspicious individuals)

— Data may end up in the tax service or the Ministry of Internal Affairs

— Under threat of articles:

 • 172 of the Criminal Code of the Russian Federation — illegal banking activity

 • 198–199 of the Criminal Code of the Russian Federation — tax evasion

 • 174–174.1 of the Criminal Code of the Russian Federation — money laundering

🔐 Can a new account be opened?

➡️ In SPFMs? Banks often refuse

➡️ Sometimes small or digital banks open accounts, but with restrictions

➡️ Check where compliance is softer — this is your chance

⚖️ Can one fight back through a lawyer?

Yes! Lawyers can:

— Request the official reason for the blocking

— File a complaint with the Central Bank

— Achieve exclusion from SPFMs

— Challenge the bank's actions in court

#P2P #BlockedAccount #LegalHelp #CryptoRussia #115ФЗ ⚖️💼📛🔒💸