The economist warned about the risk of blocking transfers due to wording in the comments

The keyword itself in the commentary to the transfer cannot automatically block the card, but language related to drugs, weapons, extremism and cash withdrawal will attract the bank’s attention, warned independent economist Viktor Mangazeev. He spoke about this in a conversation with Lenta.ru

“It is better not to make jokes in the purpose of payment and not to use language related to drugs, weapons, extremism, terrorism, cashing or other illegal transactions. They can attract the bank’s attention, especially if the transfer itself looks atypical,” the economist explained.

According to him, the phrases “payment for services”, “for goods”, “rent” or “debt repayment” are not prohibited. However, regular receipts from different people with such comments may raise questions about business activities - then the bank will ask to explain the source of the money and provide documents. If a comment is needed, it is better to write briefly and to the point: “repayment of personal debt,” “gift,” “rent for October,” or “payment under the agreement.”

The specialist warned that if the transfer is suspended, you should not split the amount or send it through relatives’ cards. It is better to contact the bank and provide the requested explanations or documents.

“The bank is obliged to inform the client of the reason for the restriction and the procedure for removing it,” Mangazeev concluded.