Yellow zone: a window where you can save the situation

How to understand that you are in the yellow zone:

• requests for documents and explanations have arrived;
• in the Central Bank's database by TIN — status "medium risk";
• individual transactions are being delayed or reversed.

What to do:

1. Respond quickly
Don't drag it out for weeks. For the bank, speed of response = willingness to engage in dialogue and absence of schemes.

2. Gather a "real business dossier"
Contracts, acts, waybills, invoices, tax reports, photos of office/warehouse, staffing table.

3. Describe the economic rationale of transactions
Who you are, what you do, why a specific payment is needed, how it relates to your business model and taxation.

4. Check counterparties
If there are "red" ones among them, risks have already reached you: decide whether to continue working with them and how to justify these transactions.

Red zone: what to do if you are already blocked

When the account is "red", what is usually prohibited:

• free transfers to counterparties and individuals;
• use of corporate cards;
• usual operations in internet banking.

What is usually allowed: taxes, insurance premiums, salaries for "old" employees, some mandatory payments, and repayment of previously taken loans.

First steps 🔽

1. Maintain a working approach
Emotional reactions and attempts to pressure the bank yield no results: actions of credit institutions under Federal Law 115-FZ are generally supported by established judicial practice.

2. Request an official justification
A written explanation: which transactions and why were deemed suspicious.

3. Gather a "super-dossier"
Contracts along the entire chain (suppliers–buyers–contractors), tax returns for 1–2 years, HR documents, reports to the Social Fund, a detailed description of the business model and the logic of all disputed transactions.

🛫 Transfers from a current account: how not to "trigger" red

Transfers from the current account of sole proprietors and LLCs to individuals' cards are not prohibited, but each must withstand scrutiny of logic and documents.

Relatively safe if documented:

• salaries to employees (employment contract, personal income tax, contributions);
• contractors under civil law contracts (contract + act, taxes paid);
• self-employed (receipt from "My Tax" and confirmed status);
• accountable amounts (advance report, receipts);
• dividends (participants' decision + personal income tax);
• loans (loan agreement on market terms).

A sole proprietor can transfer money to "himself", but the bank looks at the overall picture: taxes, expenses, turnover, and payment purposes.

✔️ Checklist 2026: how to stay green

1. Taxes in line with the market
The tax burden should not differ significantly from the industry average.

2. Payment discipline
Always specify the contract, number, and nature of the transaction.

3. Counterparty verification
Do not work with companies in the "red" zone.

4. Cash control
Any withdrawal must be explained and documented.

5. Planning large transactions
Confirm the economic rationale in advance.

6. Monitoring status
Regularly track your risk level.

7. Respond to the bank without delay
Ignoring requests increases the risk of blocking.

🎯 The main thing a business owner needs to understand

The bank's traffic light does not assess your "honesty." It assesses your digital profile: numbers, account behavior, connections, documents. The strategy for 2026 is simple: not to avoid checks, but to build a clear, transparent, and predictable business model.

If you are unsure how your model looks from the system's perspective, it is better to check it in advance. We will analyze your situation and show where risks may arise.

➡ Get a recommendation