Overview

• The mandate applies to systemically important lenders and banks significant in the payments market under a January 30 Bank of Russia provision.
• Victims will be able to file a formal statement of disagreement over suspicious transactions remotely through mobile apps instead of visiting a branch.
• Banks must issue a downloadable electronic certificate detailing the transfer method, operation data, and recipient information for police use, with issuance timing varying by operation type.
• VTB says a new in‑app panic button will flag transactions and generate certificates via a chatbot, Sberbank points to its existing Report a Scam feature with app chat for police cases, and T‑Bank notes it deployed a similar button earlier with temporary access limits for safety.
• Law requires disputes to be filed within 24 hours of theft, and analysts say the new app controls could reduce successful schemes by accelerating alerts and information sharing even though fraud will persist.