Since 1 January 2026, banks in Russia have been working with an expanded list of signs that a transfer may be made without the client's consent. The list was approved by the Bank of Russia in order No. OD-2506 and contains 12 signs. If a transfer matches one of them, the bank may suspend it for two days and warn the client.
A few examples from the list:
- a payment to a recipient you haven't paid in the last 6 months, made less than 24 hours after you moved a large sum (200,000 rubles or more) to yourself from another bank via SBP;
- a change of the phone number linked to your online banking or Gosuslugi account less than 48 hours before the transfer;
- suspicious events on your phone, such as signs of malware.
Why this matters for our clients. When you buy crypto with rubles, you pay to the details shown in your order. To your bank, that's a new recipient, so if other signs line up, the bank may hold the payment.
How to keep your payment on schedule:
- if your money is in another bank, move it to yourself in advance, more than a day before paying, or simply pay from the bank where the money already is;
- pay only from your own card;
- don't change your phone number right before paying;
- pay only to the details on your order page at cryptodot.org.
If your bank does hold the payment, message us on Telegram (the link is on the Contacts page) or email info@cryptodot.org and include your order number. For card and SBP payments, the rate is locked for 30 minutes. If the money arrives after the payment window, the exchange goes through at the rate at the time it arrives. If you need a refund, contact support within 60 days of creating the order.
A quick note on card payouts. When you sell crypto for rubles, we may send a large amount in several transfers, because banks limit incoming transfers. This is normal practice, not an error: all the transfers belong to your order, and you can follow its status on the order page.
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