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Ministry of Justice

Russian Federation 

On October 7, 2022 No. 70430

INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of August 22, 2022 No. 6225-U

About criterion for mobile applications of banks with the universal license by means of which opportunity is provided to clients - to open for physical persons accounts (deposits) in rubles, and also to obtain the credits in rubles without personal presence after carrying out identification of the client - physical person according to the procedure, stipulated in Item 5.8 articles 7 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing"

This Instruction based on Item 5.8-1 of article 7 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing" <1> establishes criterion for mobile applications of the banks with the universal license corresponding to the criteria established by paragraphs the second - the fourth Item 5.7 of article 7 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and" <1> by means of which opportunity is provided to clients - to physical persons to open for terrorism financing accounts (deposits) in rubles, and also to obtain the credits in rubles without personal presence after carrying out identification of the client - physical person according to the procedure, stipulated in Item 5.8 articles 7 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of the income, received in the criminal way, and to terrorism financing" <2>.

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<1> Russian Federation Code, 2001, No. 33, Art. 3418; 2021, No. 1, Art. 18.

<1> Russian Federation Code, 2001, No. 33, Art. 3418; 2018, No. 1, Art. 66; 2021, No. 1, Art. 18.

<2> Russian Federation Code, 2001, No. 33, Art. 3418; 2018, No. 1, Art. 66; 2021, No. 27, Art. 5094.

1. The bank with the universal license corresponding to the criteria established by paragraphs the second - the fourth Item 5.7 of article 7 of the Federal Law of August 7, 2001 No. 115-FZ "About counteraction of legalization (washing) of income gained in the criminal way and to terrorism financing" (further respectively - bank, the Federal Law No. 115-FZ), shall provide opportunity to clients - to open for physical persons accounts (deposits) in rubles, and also to obtain the credits in rubles without personal presence after carrying out identification of the client - physical person according to the procedure, stipulated in Item 5.8 articles 7 of the Federal Law No. 115-FZ, with use of the mobile application corresponding to the following criterion:

the mobile application shall provide opportunity to clients - to open for physical persons accounts (deposits) in rubles and (or) to obtain the credits in rubles.

Requirements of this Instruction do not extend to the mobile application providing opportunity to clients - to open for physical persons accounts (deposits) in rubles and (or) to obtain the credits in rubles if the bank within a month from the date of entry into force of this Instruction will notify the Bank of Russia on the termination of use of such mobile application within six months from the date of entry into force of this Instruction.

2. This Instruction becomes effective after 10 days after day of its official publication.

Acting Chairman of the Central bank of the Russian Federation

D.V.Tulin

 

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