---
title: "Banks will gain the right to block transfers: Law on virus scanning of devices comes into force in 2027"
description: "🚨 As of March 1, 2027, banks will block transfers if viruses are found on the phone. The new Law No. 210-FZ aims to combat cybercriminals hijacking application control. Funds are not frozen, but the transaction must be conducted from a clean device or at a branch. 📱🛡️"
date: 2026-08-09T14:56:30.000Z
lang: en
url: https://xab.info/en/posts/banks-will-block-transfers-if-viruses-are-detected-2027
tags: [banking, cybersecurity, russia-law, mobile-banking, fraud-prevention]
publisher: "XAB.info"
---

# Banks will gain the right to block transfers: Law on virus scanning of devices comes into force in 2027

![User making a transfer via Sberbank Online app on smartphone — illustration for news about new law: from 2027 banks can block transfers if sender’s device is infected with viruses](https://xab.info/media/2026/08/09/banki-blokiruyut-perevody-pri-obnaruzhenii-virusov-2027/banki-blokiruyut-perevody-pri-obnaruzhenii-virusov-2027-1.webp)

## 🎯 Key Points

- As of March 1, 2027, banks are required to block transfers from infected devices.
- Law No. 210-FZ dated June 26, 2026, aims to combat money theft via malicious software.
- Banks will not have full access to files but will be able to scan for threats.
- Clients will be offered alternative transfer methods: another device or a bank branch.

### A new milestone in cybersecurity: Law No. 210-FZ changes the rules of the game

The Russian financial sector is preparing for major changes in its security system. As of March 1, 2027, a new Federal Law No. 210-FZ, adopted on June 26, 2026, will come into force. According to the document, banks will be required to refuse clients money transfers if signs of malicious software are detected on the devices used (smartphones, tablets, PCs). This decision is a response to the growing threat of cyber fraud, where criminals use viruses to hijack control over banking applications.

### How the blocking system will work: mechanism and limitations

The new rule applies to all major types of operations: transfers from bank cards, transactions with electronic money, and payments via the Fast Payment System (FPS). If the bank's antifraud system detects malicious code on the client's device, the transaction will be declined. It is important to note that the law does not imply a total account block or freezing of funds. It concerns exclusively the blocking of a specific transaction initiated from an infected device. At the same time, banks will not gain full access to the smartphone's file system; the exact scanning parameters and the volume of collected data will be regulated by separate technical standards.

### Alternatives for the client: what to do in case of transfer refusal

The law provides for consumer protection in the event of a transaction refusal. The bank must not only decline the payment but also clearly explain the reason to the client — the presence of malicious software. As an alternative, the client must be offered other ways to conduct the transfer. For example, the user can use a clean device (another phone or computer) or visit a bank branch to conduct the operation through secure terminals or with the help of staff. This ensures the availability of financial services while minimizing the risk of fund loss.

### Fighting money theft: why this became necessary

The main goal of the innovation is to combat money theft using malicious software. Modern trojans are capable not only of intercepting logins and passwords but also of gaining access to banking applications in real-time, replacing user actions. Criminals can manage payments directly from the victim's device, making the theft process invisible. Now, the presence of malicious software will become a critical risk factor that banks must consider when conducting any operation, which will significantly complicate the work of cybercriminals.

## 🔍 Fact-Check Verification

- [Banks will start blocking transfers of Russians upon detection of viruses in the phone](https://life.ru/p/1909328) - Источник подтверждает введение запрета на переводы с зараженных устройств с 1 марта 2027 года.

## ❓ FAQ

### Q: Will my account be blocked if a virus is found on my phone?
**A:** No, the law provides for refusal only of a specific transfer operation. Funds in the account will remain accessible.

### Q: Will banks get access to all files on my smartphone?
**A:** No, banks will not get free access to the file system. The volume of data and scanning methods will be strictly regulated by technical requirements.

### Q: What to do if the bank declines a transfer due to a virus?
**A:** The client will be offered to conduct the operation from another, clean device or visit a bank branch.