Central Bank to Ensure Full Refund of Fraud Victims' Funds

The Bank of Russia and the National Payment Card System (NPSK) will improve the service for returning stolen funds called 'Good Will'.

Consensus

The Central Bank of Russia and NСПК are working together on a mechanism to return stolen funds to victims.
The service 'Dobraia Volia' allows banks to return funds to victims if they prevent a fraudulent transaction.
Banks that return funds receive a 5% reward, capped at 5,000 rubles per transaction.
The pilot program to exclude returning fraudsters' details from the Central Bank's fraud database will launch in October.
The 'Dobraia Volia' service is used by about 80 banks.
If a client reports fraud, the recipient's details are added to the Central Bank's fraud database.
Banks can suspend online banking access for individuals whose details are in the database.
If data comes from the Ministry of Internal Affairs (MVD), suspension of electronic payment use is mandatory.

The mechanism for rewarding banks was launched on November 1, 2025. — vedomosti
In the first six months of 2025, fraudsters stole nearly 13.2 billion rubles, and banks returned only 6.45% (850.3 million rubles). — vedomosti
Banks prevented thefts worth over 8 trillion rubles. — vedomosti
The 'Dobraia Volia' platform returned 370 million rubles in eight months of 2026, which is 2.7 times more than the total returned in 2025 (135 million rubles). — interfax
Currently, part of the stolen amount may remain in the bank that initiated compensation. — vesti
A financial institution must return funds if it ignored signs of suspicious transfer, failed to warn the client, or did not halt the transaction. — vesti