Russian banks have started requesting clarification for transactions up to 1,000 rubles, a common amount that individuals transfer card to card. If a customer cannot justify the transfer and provide respective documents, his card may be blocked, Izvestia reports. 
Customers of Sberbank, Tinkoff Bank and B&N Bank have already encountered the problem. They received calls from financial monitoring departments requesting transaction related documents.
For example, a B&N Bank customer was requested to justify in writing the economic grounds for her money transfer, as well as documents proving the source of the funds (an extended account statement) and a written explanation of her expenditure. She was required to provide all of the above via WhatsApp to a specific bank employee rather than at the bank’s official email.
Sberbank also requested that a Moscow resident provide documents confirming the ‘economic grounds’ for transferring 1,000 rubles to an Alfa Bank customer. After lengthy proceedings, the transfer was completed.
Experts believe that this is how banks are testing their financial fraud detection systems, including against tax evasion. However, the Central Bank announced that these measures on behalf of lending institutions are not legal and customers may file complaints with the Central Bank.