The news came out — and immediately headlines appeared like "banks will get access to your TIN" and "the tax office will see every transfer." Transfers via SBP have already become a daily habit, so any mention of TIN and new rules is perceived as a threat to this habit.
Below is a calm analysis without scare tactics: what exactly changes from July 1, 2026, who sends TIN to whom, what you will actually see in the app, and which myths you don’t need to fear.
What’s Happening: The Essence of the Changes
From July 1, 2026, banks participating in the Fast Payment System (SBP) must transmit the client’s TIN as part of transfers through the NSPK (National Payment Card System) infrastructure. This is a change in how the payment system and banks’ anti-fraud systems operate.
Key point: TINs are transmitted between banks, not between users. The user still performs the usual steps:
- selects an SBP transfer;
- enters a phone number or selects a contact;
- sees the recipient’s name;
- confirms the transfer.
Everything related to TIN happens "in the background" — in the service data of the transaction sent from the sender’s bank to the recipient’s bank via the Fast Payment System.
Important: The changes in SBP from July 1, 2026, affect how banks verify the operation and the recipient. The user scenario remains the same: transfers by phone number or account, without manually entering TIN.
Why It’s Needed: The Problem of Droppers and Fraud Chains
To understand why banks need TINs for transfers via SBP, it’s useful to see what exactly they are protecting against.
Fraud schemes often involve an intermediary — a dropper. This is a person who agrees to use their account or card to receive and forward money. This can be:
- conscious participation in a fraud scheme for a reward;
- or a "side job" presented as a harmless service: "receive money, transfer it further, keep a part for yourself."
For the recipient’s bank, such transfers look ordinary: money arrives on an individual’s card, the sender is also an individual, just like a regular payment. When transferring by phone number, the bank sees:
- the account or card number;
- the full name linked to that account;
- technical transaction data.
This is often not enough to distinguish a regular payment from a link in a fraudulent chain.
TIN is a more stable identifier of a person than a card or phone number. It:
- is not tied to a specific card;
- does not change when a card is reissued or the phone number changes;
- is linked to a specific individual in accounting systems.
When banks start exchanging TINs via SBP, the recipient’s bank gains an additional reference for verification: whether the person who actually owns the account and participates in operations matches the one recorded in their systems. This helps fine-tune anti-fraud measures and block suspicious dropper schemes.
The point of anti-fraud: not to flag every everyday transfer as suspicious, but to detect unusual chains and inconsistencies in recipient data. TIN is added as another technical marker for such checks.
Who and What Exactly Transmits: SBP and TIN Mechanics
Let’s look at an SBP transfer step-by-step — considering what changes from July 1, 2026.
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User initiates the transfer. You select a transfer via the Fast Payment System, enter the recipient’s phone number or account, amount, and purpose (if needed).
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Sender’s bank forms the payment. The sender’s bank already has your data, including the TIN you provided when opening the account or during identification. When forming the transfer via SBP, the bank adds your TIN to the transaction’s service fields.
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NSPK routes the transfer. NSPK, as the SBP operator, handles the technical part: delivering the payment from the sender’s bank to the recipient’s bank. The TIN at this stage is not a public "label" in the payment but part of a protected interbank message.
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Recipient’s bank performs its checks. Upon receiving the transfer data, the recipient’s bank uses the TIN as one element to:
- verify client information;
- assess the operation with the anti-fraud system;
- decide whether to credit immediately, delay for additional checks, request clarification, or reject.
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Money reaches the recipient. If all is well, the transfer is credited. If the bank considers the operation risky, it may delay it or request additional c