INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of December 24, 2012 No. 2946-U

About work with orders about money transfer in case of change of details of banks, their clients

1. This Instruction based on the Federal Law of July 10, 2002 N 86-FZ "About the Central bank the Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, N 28, Art. 2790; 2003, N 2, Art. 157; N 52, of Art. 5032; 2004, N 27, Art. 2711; N 31, of Art. 3233; 2005, N 25, Art. 2426; N 30, of Art. 3101; 2006, N 19, Art. 2061; N 25, of Art. 2648; 2007, N 1, Art. 9, Art. 10; N 10, of Art. 1151; N 18, of Art. 2117; 2008, N 42, Art. 4696, Art. 4699; N 44, of Art. 4982; N 52, of the Art. 6229, Art. 6231; 2009, N 1, Art. 25; N 29, of Art. 3629; N 48, of Art. 5731; 2010, N 45, Art. 5756; 2011, N 7, Art. 907; N 27, of Art. 3873; N 43, of Art. 5973; N 48, of Art. 6728; 2012, N 50, the Art. 6954), the Federal Law "About Banks and Banking Activity" (in edition of the Federal Law of February 3, 1996 N 17-FZ) (Sheets of the Congress of People's Deputies of RSFSR and the Supreme Council of RSFSR, 1990, N 27, Art. 357; Russian Federation Code, 1996, N 6, Art. 492; 1998, N 31, Art. 3829; 1999, N 28, Art. 3459, Art. 3469; 2001, N 26, Art. 2586; N 33, of Art. 3424; 2002, N 12, Art. 1093; 2003, N 27, Art. 2700; N 50, of Art. 4855; N 52, of the Art. 5033, Art. 5037; 2004, N 27, Art. 2711; N 31, of Art. 3233; 2005, N 1, Art. 18, Art. 45; N 30, of Art. 3117; 2006, N 6, Art. 636; N 19, of Art. 2061; N 31, of Art. 3439; N 52, of Art. 5497; 2007, N 1, Art. 9; N 22, of Art. 2563; N 31, of Art. 4011; N 41, of Art. 4845; N 45, of Art. 5425; N 50, of Art. 6238; 2008, N 10, Art. 895; N 15, of Art. 1447; 2009, N 1, Art. 23; N 9, of Art. 1043; N 18, of Art. 2153; N 23, of Art. 2776; N 30, of Art. 3739; N 48, of Art. 5731; N 52, of Art. 6428; 2010, N 8, Art. 775; N 19, of Art. 2291; N 27, of Art. 3432; N 30, of Art. 4012; N 31, of Art. 4193; N 47, of Art. 6028; 2011, N 7, Art. 905; N 27, of the Art. 3873, Art. 3880; N 29, of Art. 4291; N 48, of Art. 6730; N 49, of Art. 7069; N 50, of Art. 7351; 2012, N 27, Art. 3588; N 31, of Art. 4333; N 50, of the Art. 6954) and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of December 21, 2012 N 26) establish operating procedure of the Bank of Russia, credit institutions (further in case of joint mentioning - banks) with orders about money transfer (further - orders) in currency of the Russian Federation in case of change of details of banks (the name, the location, the bank identification code (BIC), number of correspondent account (sub-account), the account of interfilial calculations), their clients (bank account number).

2. This Instruction extends to the following orders in electronic form, on papers:

the orders expecting the acceptance;

the orders which are not performed in time because of insufficiency of money on bank accounts of payers;

the orders which are not performed in time because of insufficiency of money on correspondent accounts of credit institutions;

the orders constituted by claimants of means before date since which details change, and provided by them to payer bank this date or after it;

the orders accepted by payee bank of means before date since which details change, and which arrived in payer bank this date or after it;

the orders expecting permission to carrying out transactions in the cases established by the legislation of the Russian Federation.

3. The procedure for performing procedures of acceptance to execution, response, return (cancellation) and execution of orders in electronic form, on papers, including orders for total amount with registers in which details of clients change and also the statements provided by this Instruction is determined by banks taking into account requirements of the Provision of the Bank of Russia of June 19, 2012 N 383-P "About rules of implementation of money transfer", registered by the Ministry of Justice of the Russian Federation on June 22, 2012 N 24667 ("the Bulletin of the Bank of Russia" of June 28, 2012 N 34) (further - the Provision N 383-P).

4. The payer bank carries out work with orders in electronic form, on papers in which its details, bank account numbers of his clients, based on information on change of these details which is available for it change.

In case of change of bank details of the receiver of means, account numbers of the receiver of means the payer bank carries out work with orders in electronic form, on papers in which details change, based on the statement for change of bank details of the receiver of means, the receiver of means (further - the statement), stipulated in Item 9 these Instructions, or based on information on the new and corresponding to them former bank details of the receiver of means obtained from the Bank of Russia, the receiver of means.

5. The payer bank from the effective date of the changes brought in the Reference book of bank identification codes in payment system of the Bank of Russia which maintaining is provided with the Bank of Russia according to appendix 6 to the Provision of the Bank of Russia of July 6, 2017 to No. 595-P "About payment system of the Bank of Russia" to No. registered by the Ministry of Justice of the Russian Federation on October 6, 2017 48458, from the date of change of details of not having BIC of branch of credit institution in day of acceptance to execution of the statement performs the following actions:

on hand, the order for total amount with the register, the register (in case of its availability) the reference to change of details with indication of date with which details change in electronic form is given, or dates of reception of an application in case of its representation, or to the order, the order for total amount with the register, to the register (in case of its availability) the appendix in electronic form containing information on change of details with indication of date with which details, or dates of reception of an application in case of its representation, number, date and the amount of the order in electronic form in which details, and also other, information necessary for bank from the order in electronic form at which details change change change in electronic form is constituted;

on all copies of the order, order for total amount with the register, the register (in case of its availability) on paper in empty seat in the upper part - in case of change of bank details of the payer, payer and (or) in the lower part - in case of change of bank details of the receiver of means, the receiver of means are put down the mark "Change of Details" with indication of date with which details, or dates of reception of an application and the authorized signature of payer bank change.

6. Execution of the order, including partial execution, according to new details, is performed by payer bank the payment order.

The payment order is constituted in electronic form or on paper in day of execution based on each performed order according to the procedure, established by the Provision N 383-P, taking into account the following features:

in the details "Payer", "Sch. N" payer, "Payer bank", "BIC" of payer bank, "Sch. N" payer bank, "Payee bank", "BIC" of payee bank of means, "Sch. N" payee bank of means, "Receiver", "Sch. N" the receiver of means in which details change are specified new values of details;

in the detail "Transaction Content" it is specified in case of execution of the order in full amount (except for the payment order) - "IR" (change of details), in case of partial execution - "IRChI" (change of details, partial execution), in case of execution of the payment order - "IR GGGGMMDD" (change of details, date of the performed payment order), in case of execution of the payment order which partially performs the order, - "IRChI GGGGMMDD" (change of details, partial execution, date of the performed payment order);

details "N of h payments.", "Amount OST. squares" in case of execution of the order in full amount are not specified, except for the payment order in which values of these details are specified, in case of execution of the payment order values from the corresponding details of the payment order according to which execution is performed are transferred to the specified details;

in details "Code of payments. dock.", "N of payments. dock.", "Date of payments. dock." in case of execution of the payment order values from the corresponding details of the payment order according to which execution is performed are transferred.

7. In case of change of details of banks, their clients, stipulated in Item 1 this Instruction, in the orders included in the order for total amount with the register in the register, payer bank constitutes the payment order according to the procedure, established in Item 6 of this Instruction, at the same time in the detail "Transaction Content" IR the register" (change of details in the register), at the orders included in the order for total amount with the register is specified ", the register new details are specified.

8. If the payment request contains the reference or mark, stipulated in Item 5 these Instructions, the statement for the acceptance (non-acceptance) of the payer is constituted and goes it (is represented) the payer with indication of new details.

9. The statement is constituted by the receiver of means, the claimant of means who earlier directed or provided to bank the order with former details in electronic form or on paper in any form. The name, and also number, date and the amount (are specified in the statement in case of their availability) the order (orders) at which (in which) the details new and former bank details of the receiver of means corresponding to them, the receiver of means change.

In the statement according to the order at which details change directed with the executive document on collection, the details allowing to establish definitely the executive document, for example, file number on which the executive document is issued in addition are specified.

The application in electronic form is signed by the digital signature (digital signatures), analog of the sign manual (analogs of sign manuals) and (or) makes sure the codes, passwords and other means allowing to confirm that the statement is constituted by the receiver of means, the claimant of means or person (persons) authorized on it.

On the statement the sign manual (sign manuals) and impress of a seal (in the presence) according to the samples told bank in card with specimen signatures and impress of a seal of the receiver of means or the sign manual (sign manuals) and impress of a seal (in the presence) of the claimant of means are on paper put down.

Number of copies of the statement is on paper established by bank.

9.1. The application is directed or it is represented the receiver of means in payee bank of means, payee bank of means, the claimant of means - in payer bank. If the bank adopting the statement is not payer bank, the statement in electronic form or on paper goes to payer bank.

In case of reception of an application the bank checks its compliance to the requirements provided by this Item. In case of discrepancy of the statement to these requirements the statement is subject to return (cancellation).

9.2. The statement is appendix to the order which is subject to execution in which details change.

If the credit institution - payer bank adopts the statement according to the order which is in queue of the orders which are not performed in time because of insufficiency of money on the bank account of the payer, and partially performed on former details by the payment order which is placed in queue of the orders which are not performed in time because of insufficiency of money on correspondent account of credit institution the statement in electronic form or the copy of the application on paper (with putting down of stamp and the authorized signature of payer bank) is appendix to the payment order which is subject to execution in which details change.

If the credit institution - payer bank adopts the statement according to the order which is in the Bank of Russia in queue of the orders which are not performed in time because of insufficiency of money on correspondent account of credit institution, the statement in electronic form or the copy of the application on paper (with putting down of stamp and the authorized signature of payer bank) goes to the Bank of Russia and is appendix to the order which is subject to execution in which details change.

10. If information on new bank details of the receiver of means is not brought to payer bank, the orders containing former details in day of implementation of money transfer are subject to return (cancellation) by payer bank.

11. In case of difficulty of identification of the order based on which money according to new details arrived the payee bank of means, in case of the address of the receiver of means, sends to payer bank inquiry in electronic form or on paper in any form, or the receiver of means can send similar inquiry to payer bank. On receipt of the answer the payee bank of means notifies the receiver of means.

12. This Instruction is subject to official publication in "the Bulletin of the Bank of Russia" and becomes effective after 10 days after day of its official publication.

13. From the date of entry into force of this Instruction to declare invalid the Instruction of the Bank of Russia of March 15, 2010 N 2410-U "About work with settlement documents, payment orders in case of change of details of banks, their clients", registered by the Ministry of Justice of the Russian Federation on April 2, 2010 N 16792 ("the Bulletin of the Bank of Russia" of April 14, 2010 N 20).

14. Till April 1, 2013 in the payment order constituted in case of change of details of banks, their clients, content of transaction is specified in the corresponding detail according to the procedure established by bank.

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