Transings of money to a bank card? What does the tax service think about this — when you should worry

Krympress reports:

One of the most popular financial transactions among Russians is transfers from a card to a card. Currently, taxpayers are of interest to the question: whether such transfers are the object of taxation and in what cases it is necessary to declare income and pay tax.

Federal Tax Service in its letter No. BS-16-11/33@ dated 11.02.2025 Claimed the legal basis for taxation of revenues to a bank card.

According to the norms of the current legislation, funds received free of charge by individuals from individuals, including bank transfer, are not subject to personal income tax. The list of income that is not subject to tax on personal income tax has been established Article 217 Tax Code of the Russian Federation.

The very fact of a bank transfer from one person is not considered a taxable event. This means that the usual money transfers to friends, relatives or debt repayment are not burdened with any additional tax obligations.

If the money was received in the account as a fee for sold property, rent or remuneration for the services rendered, the transfer amount is recognized as income.

In addition, regular receipts to the bank account from various senders without a clear explanation of the essence of operations may also indicate a systematic income. Such situations may include regular money transfers similar to salaries (every month or once every two weeks), impersonal transfers (from unknown senders), repeated transfers of the same amounts from different citizens and more. Such revenues are recognized as the object of taxation, and from these amounts it is necessary to pay tax on income of individuals.

Modern technologies and a huge number electronic services On the FTS website, they allow us to simplify the process of tax paying as much as possible. To avoid risks, those who really receive illegal income on the card, it is recommended to arrange their activities as an individual entrepreneur or self -employed citizen and pay taxes in accordance with the selected taxation system.

In its activities, when planning inspections, the tax service is guided Risk-oriented approachwhich allows you to identify violators of tax legislation. At the same time, each case is considered by the tax authorities individually, the decision to pay taxes is made after verifying the legality of the origin of incoming funds and the presence of evidence of the doubtfulness of the operation. Work in the shadow sector can lead to fines, penalties and administrative responsibility.

Citizens who carry out their financial transactions within the legal field and are not evading taxes, absolutely nothing to fear.

Source: press service of the Federal Tax Service of Russia in Sevastopol

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