The authorities want to oblige banks to identify Russians who live abroad. To collect more taxes from them, which taxes will increase? And to hide that I am not in Russia, it will work?

1 What happened? The authorities continue to reflect on how to tighten control over the taxation of Russians living outside the country. On March 5, the Ministry of Finance of the Russian Federation reported that together with Rosfinmonitoring, the Central Bank and the Federal Tax Service (the Federal Tax Service), the draft government was finalized to identify tax non -residents with the help of “remote service channels” “financial market organizations”. If the corresponding norm enters into force, citizens who have left the country face an increase in fiscal load. 2 Come to understand. To begin with, remind you who are the tax residents and non -residents of the Russian Federation? These are really key concepts for understanding the current initiative of the Ministry of Finance and its co -authors. Individuals who are in the country have been in the country for the next 12 months in a row. Inversely, any Russian, who spent more days for a annual period than in Russia, belongs to tax. non -residents. Status affects the terms of taxation. They pay personal income tax on a progressive scale with rates of 13% to 22% depending on the amount of their income. 13% of income up to 200 thousand rubles per month (2.4 million per year); 15% for income in the range 200 – 416.7 thousand rubles per month (2.4 – 5 million per year); 18% for the range 416.7 thousand – 1.67 million rubles a month (5 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20 – 20-20 millions per year); 20% for the range of 1.67 – 4.17 million per month (20 – 50 million per year); 22% with income over 4.17 million rubles per month (50 million a year), the rate for non -residents is higher – 30%. Most of the sources of income from Russia with one important exception are taxed by it: if a person works for a Russian company even, personal income tax is held from his salary at a “resident” rate. Many who left the Russian Federation still work in Russian companies. The Ministry of Finance wants them to pay personal income tax at a rate of 30%. This can be avoided? We will return to the issue of taxes a little lower. 3A so far – again to the project of the Ministry of Finance. What are these “remote service channels” “financial market organizers”, with which non -residents are going to identify? Everything is simple: for example, personal cabinets on websites or in banks, insurance companies and brokers. According to the authorities, now these same organizers of the financial market (OFR) will be obliged to request from customers the data necessary to clarify their tax residency-if the “distance service channels” use mainly from abroad. 4 “mainly”-this is how? To cause suspicions, the client must use his communication channel or insurance due In 50% of cases. 5A, how does the bank generally find out where I go into my application? It is important to clarify: the current draft government of the government is not a new initiative of the authorities, but a modified version presented back in 2024. And since in the last message of the Ministry of Finance, the method of determining the “geography” of bank customers is not specified, it can be assumed that the wording will be copied from last year’s text. It said that the OFR should establish the whereabouts of Russians “using technical means, including geolocation at the network address on the Internet, geolocation on cellular networks, satellite geolocation.” In the theory, banks really have tools to engage in all these types of monitoring, but in practice they can encounter problems. Yes. For example, the geolocation of customers by network (IP) addresses is already carried out by most large Russian banks – and with the transfer of these data of the Federal Tax Service and other interested departments, it seems that no difficulties should arise. But in reality, it is enough for the user to go to the site or to the application of a financial organization through the VPN, choosing Russia by the country of his access server. How the authorities are going to fight this loophole (and are they going to at all), it is unclear from the last message of the Ministry of Finance. In general, if for some reason you do not want to attract the attention of the auditors to your tax status, get a VPN service in advance with the option of choosing a Russian server. As the head of the Board of the Association “Financial Innovations” explained Roman Prokhorov, “The use of foreign mobile networks (Russian banks) is almost impossible now.” And the National Council of Financial Markets (NSFR) in the recall of last year’s initiative noted that the client was entitled to limit the bank’s access rights to information about his location or completely disconnecting the corresponding functionality in the mobile mobile Appendix. Whether the Russians will lose this right in connection with a government decree, we also do not know. 8 in general, sounds like a magnificent plan of the Ministry of Finance. “Reliable as the Swiss watch …” Indeed, there is a feeling that with the current initiative, the authorities are hit by the goal and fight with windmills. Moreover, the Ministry of Finance does not propose to automatically endow the “suspects” by the status of a non-resident: their online activity from abroad will only be the reason for the banks to “clarify the information” in order to then provide the Federal Tax Service of more “complete and reliable” data. The civil norm is already registered in the government decree “On the implementation of the international automatic exchange of financial information with the competent authorities of foreign countries (territories)”. According to the document, banks are obliged to re-request from customers information or documents on a tax resident, if there are at least some reason to believe that those “circumstances have changed”. So the new decree of the authorities only reinforce this duty of banks with a specific tool – monitoring of geolocation. Vlasts increase taxes for the population and business. How much will the Russians pay for “social justice” – and why will it still not come? And will the collected trillions on the war will spend? 9A, what if I just refuse to confirm that I am no longer a resident? Then you probably should evaluate how valuable and you need to continue cooperation with a specific bank. Because in case of your refusal to clarify the data, it will be entitled to terminate operations on the account and even terminate the contract in unilaterally. 10 will be a step back. Why did the authorities are so concerned about the identification of non-residents? Officially, officials are finished with duty formulations on the need to collect “complete and reliable” data, but most experts usually associate the activity of the Ministry of Finance with the fact that the Russian state has lost control of citizens who left the country due to stopping the exchange of financial information with “unfinished” countries. As a result, income has not yet identified non -residents turned to the authorities into a “blind spot”. This can bother them from the point of view of tax collection, and from the point of view of tracking the same “unfriendly” operations. 11A, except surveillance through banking applications, came up with the authorities? Unfortunately, yes. If the current initiatives of the Ministry of Finance seem relatively harmless, then ahead is the introduction of a much more effective (might say, all -seeing) control tools. According to the plans of the Federal Tax Service, already in 2025, an automated system will appear in the country to determine the status of a tax and foreign exchange resident for individuals. And it will rely not on indirect data from mobile applications, but on a solid documentary basis – information from the databases on the issuance of foreign passports and crossings of the state border. 12 will know, soon it will not be possible to hide from the tax that I am abroad. What will happen to my income from Russia then? We have already begun to answer this question above. Nothing will happen to some income. We repeat: if, for example, you work from abroad for a Russian company and this is your only source of earnings in the Russian Federation, then your personal income tax rate will not change in any way. But still, almost all other revenues, the increase in taxes will affect. So, if you rent or sell an apartment in Russia, if you remotely provide any paid services within the country, if you earn on investments in or receive copyright deductions-all these categories will be attached to 30 percent personal income tax. At the same rate, you will have to pay taxes and income from cryptocurrency trading. Incomes received from foreign sources, non -residents of personal income tax do not pay (unlike residents). But they are deprived of the right to receive tax deductions. For other nuances of taxation of non -residents, for example, here, here, the debts of Russians by taxes will be written off without trial. But debts on loans without a court (possibly) will stop taking briefly explain two important initiatives of the authorities (Tagstotranslate) News

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