📛 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