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Today we'll talk about how interesting you are to the tax authorities . Also, the main rules: do not take a lot, do not fuck (all sorts of rallies), pay on time, do not store any garbage on your computer, do not tell anyone too much about yourself and you will be happy! In general, if you are the most ordinary karderok who learned from the leaked wwh logs (no one has learned yet), then you have nothing to fear.
Who can benefit from this article?
Anyone who does not pay taxes on their income and is afraid that tomorrow a tax inspector will knock on his door with a check. In arbitration circles, I constantly hear questions about how to hide my hard earned money from the raking hands of the state, but I think this question will be of interest not only to arbitrageurs. The source of information is many years of experience in various tax authorities in various positions. The information is reliable for Russia, I have not worked in the tax authorities of other countries.
A collector that is not interested in you.
It is necessary to understand that the main task of the tax office is to replenish the budget / knock out the money as much as possible. The bulk of the proceeds (if we are not talking about property taxes, which are knocked out in a semi-automatic mode from those who have this property) are accounted for by legal entities. In this regard, the cash flows of ordinary citizens are not of great value to the tax authorities.
Access to your accounts.
Not so long ago, the media was full of headlines that the tax office would have access to all citizens' accounts. I dare to disappoint - it has had such access for a long time. In order to prevent the tax authorities from indiscriminately gaining access to other people's accounts, the law provided that the tax authorities must indicate the grounds for such a request. However, in fact, the tax inspector justifies "conducting a tax audit" and the bank cannot (and does not want to) check whether such an audit is being carried out or not.
But it is not all that bad. The following facts come to our aid:
Information about transactions on accounts of legal entities and entrepreneurs is obtained in a couple of clicks from any working computer, the procedure for obtaining information on individuals is more hemorrhoid.
There are a lot of individuals, there is little profit from checking their bank accounts.
Conclusion: no one will randomly check where millions of citizens got money in their current account. Check the accounts of those who fell into the field of interest. It is quite easy not to be seen by the tax authorities. More on that later.
Interesting fact: Sberbank gives information the easiest way. If there have been cases of refusal with other banks (for example, the request form is not filled out correctly), then Sberbank issues information on almost simplified terms. Run from Sberbank.
How to get the attention of the tax office.
You can attract the interest of the guys from the Federal Tax Service in the following ways:
Have tax debts. Even in the absence of official employment, most of us have a car / apartment / land for which we are required to pay taxes. Better to pay for them on time and not draw too much attention to yourself. At the same time, if you owe the state more than 500 thousand rubles for more than three months (namely, the amount of tax excluding penalties) , then you will be included in the list of debtors who meet the signs of bankruptcy. In this case, they will definitely start digging for you, checking all property, accounts and relatives, etc.
The legal entity or individual entrepreneur from which you receive income has come under tax inspection. If an organization that bypassed the law transferred money to you came under inspection, then questions may arise. The financial flows of both organizations and individual entrepreneurs are monitored.
Come to the tax office after deduction / for filing a declaration. The likelihood of drawing attention to your accounts is much less than in other cases, but it is there. It is better not to meddle once again.
What about e-wallets?
Webmoney, Qiwi wallets, Yandex money and other electronic wallets for the tax authorities do not seem to exist. If there is a special procedure and special programs for access to bank accounts on work computers, then there is no such thing for electronic wallets. Theoretically, the tax officer can try to send a request to the webmoney office, but I can't imagine how to annoy the tax authorities so that they get so confused.
What about foreign accounts?
For foreign accounts, the same darkness. In theory, a request for foreign accounts and property can be sent if you owe tax more than 500 thousand rubles for more than 3 months and there is information that you have property abroad. But:
- the tax authorities will never have information about your foreign property. This is more suitable for legal entities that have founders over the hill.
- there is no clear procedure for obtaining information from abroad.
Looking ahead, I will say that any transactions between a Russian and a foreign bank, of course, are under close scrutiny. Even a simple refund from an online store can turn into a call from the tax office with the requirement to submit a declaration of income received.
What the tax office can dig up.
I repeat, the likelihood that people will start digging under the full program is extremely small. In most cases, this happens when you get into the list of bankrupts (500 thousand rubles of debt over 3 months). But all the same, I will indicate what resources the tax authorities have in relation to ordinary citizens.
All available information can be divided into two types: obtained in a couple of clicks from a working computer and obtained by hemorrhoids through certain procedures.
In a couple of clicks: passport data, place of residence, information about property (all characteristics of real estate, transport, land, including the history of their purchase and sale), participation in organizations as a manager / founder, place of work, official income, the presence of enforcement proceedings ...
Through procedures: marital status (spouses and children), transactions on accounts of physicists, foreign property, IP addresses from which you entered the bank's website / mobile application, MAC addresses.
So, you can not be afraid of the tax office?
Yes, the financial flows of an ordinary citizen are practically not controlled by the tax authority, with the exception of transfers from abroad.
A little life hack: if you are still pinned to the wall, then show the tax authorities that you have nothing to fuck with. Cases when the tax authority calculates taxes / fines, and then cannot collect them, negatively add up on statistics, and therefore on salaries.
But not everything is so beautiful. The main problem lies in banks, which are guided by Federal Law No. 115-FZ "On Counteracting Legalization (Laundering) of Criminally Obtained Incomes and Financing of Terrorism." If we look there, we will see transactions with funds that are subject to mandatory control:
1) transactions over 600 thousand rubles, which are as follows:
a) Purchase / sale of foreign currency for cash;
b) Opening a deposit / deposit for third parties;
c) Transferring money abroad to the account of an anonymous person or receiving money from such a person;
d) Purchase and sale of precious metals and stones.
2) A transaction with real estate (apartment, premises, etc.) in the amount of over 3 million rubles.
There are also such operations as transferring money to accounts in the DPRK and the Islamic Republic of Iran, but I think they are of little use to us. If anything, the complete list is here.
In addition, the bank can flag your transaction as suspicious. The signs of such transactions are listed in the appendix to the Regulation of the Bank of Russia No. 375-P dated March 2, 2012 . I will list the main ones that are suitable for our situation:
Any transactions that do not correspond to the established market practice or on deliberately unfavorable terms, when you can choose more profitable ones.
Difficulties and delays in obtaining information from the client that the bank requests.
Refund within a short period of time to the same person, but to another account (Petya transferred money to you, and you very quickly transferred the same amount to Petya back, but to another account).
Crediting funds to an account within a short period from one / several persons, if the amount received exceeds 600 thousand rubles.
Regular crediting of large amounts (which ones are not mentioned) with the subsequent withdrawal / transfer of this money at once or in different proportions within several days.
Regular receipts of money to e-wallets from a significant number of other individuals with subsequent cashing out.
Transfer of large amounts from one account to another (owned by the same person) with subsequent cashing.
Regular money transfers funds to online stores in the amount of less than 600 thousand rubles.
Regular receipts to your account of amounts less than 600 thousand rubles, if you provide services in the field of Internet commerce (in this case, you must be registered as an individual entrepreneur carrying out such activities).
Any complex withdrawal schemes and cash out for a large number of people, which are not characteristic of an ordinary person.
Almost any transfers to / from foreign accounts
At the same time, banks can develop their own signs of "suspicious activity", which, of course, are not in the public domain.
Let me summarize.
To avoid problems with the tax office, you just need to pay property taxes for the car / apartment / land, which are already charged to you, not to meddle once again with a request for a deduction, submitting a declaration. However, the underlying problem is not in the tax one, as most believe, but in the banks, which are supposedly fighting terrorism and cashiers.
In my opinion and experience, if you receive payments from one or three CPA affiliates to your e-wallet, then withdraw money to the card and use this card, then with low turnovers (up to 600 thousand per month), no problems will arise ... The main thing is to work along a simple chain "your personal electronic wallet is your personal bank card" and not rush to cash out.
If the turnover increases, then it is better to register as an individual entrepreneur in your type of activity under the simplified taxation system, pay 7% of income or a fixed amount per year for a patent (the amount depends on the region) and not worry about inventing cash out schemes that will be calculated and blocked by banks.
Those who work in the dark sphere and without me understand that there is no need to register anything for themselves, because individual entrepreneurs and organizations periodically come under close scrutiny, and the materials of the check are put on the table of the investigator.
Remember the rules that I told you and everything will be fucked up!
Who can benefit from this article?
Anyone who does not pay taxes on their income and is afraid that tomorrow a tax inspector will knock on his door with a check. In arbitration circles, I constantly hear questions about how to hide my hard earned money from the raking hands of the state, but I think this question will be of interest not only to arbitrageurs. The source of information is many years of experience in various tax authorities in various positions. The information is reliable for Russia, I have not worked in the tax authorities of other countries.
A collector that is not interested in you.
It is necessary to understand that the main task of the tax office is to replenish the budget / knock out the money as much as possible. The bulk of the proceeds (if we are not talking about property taxes, which are knocked out in a semi-automatic mode from those who have this property) are accounted for by legal entities. In this regard, the cash flows of ordinary citizens are not of great value to the tax authorities.
Access to your accounts.
Not so long ago, the media was full of headlines that the tax office would have access to all citizens' accounts. I dare to disappoint - it has had such access for a long time. In order to prevent the tax authorities from indiscriminately gaining access to other people's accounts, the law provided that the tax authorities must indicate the grounds for such a request. However, in fact, the tax inspector justifies "conducting a tax audit" and the bank cannot (and does not want to) check whether such an audit is being carried out or not.
But it is not all that bad. The following facts come to our aid:
Information about transactions on accounts of legal entities and entrepreneurs is obtained in a couple of clicks from any working computer, the procedure for obtaining information on individuals is more hemorrhoid.
There are a lot of individuals, there is little profit from checking their bank accounts.
Conclusion: no one will randomly check where millions of citizens got money in their current account. Check the accounts of those who fell into the field of interest. It is quite easy not to be seen by the tax authorities. More on that later.
Interesting fact: Sberbank gives information the easiest way. If there have been cases of refusal with other banks (for example, the request form is not filled out correctly), then Sberbank issues information on almost simplified terms. Run from Sberbank.
How to get the attention of the tax office.
You can attract the interest of the guys from the Federal Tax Service in the following ways:
Have tax debts. Even in the absence of official employment, most of us have a car / apartment / land for which we are required to pay taxes. Better to pay for them on time and not draw too much attention to yourself. At the same time, if you owe the state more than 500 thousand rubles for more than three months (namely, the amount of tax excluding penalties) , then you will be included in the list of debtors who meet the signs of bankruptcy. In this case, they will definitely start digging for you, checking all property, accounts and relatives, etc.
The legal entity or individual entrepreneur from which you receive income has come under tax inspection. If an organization that bypassed the law transferred money to you came under inspection, then questions may arise. The financial flows of both organizations and individual entrepreneurs are monitored.
Come to the tax office after deduction / for filing a declaration. The likelihood of drawing attention to your accounts is much less than in other cases, but it is there. It is better not to meddle once again.
What about e-wallets?
Webmoney, Qiwi wallets, Yandex money and other electronic wallets for the tax authorities do not seem to exist. If there is a special procedure and special programs for access to bank accounts on work computers, then there is no such thing for electronic wallets. Theoretically, the tax officer can try to send a request to the webmoney office, but I can't imagine how to annoy the tax authorities so that they get so confused.
What about foreign accounts?
For foreign accounts, the same darkness. In theory, a request for foreign accounts and property can be sent if you owe tax more than 500 thousand rubles for more than 3 months and there is information that you have property abroad. But:
- the tax authorities will never have information about your foreign property. This is more suitable for legal entities that have founders over the hill.
- there is no clear procedure for obtaining information from abroad.
Looking ahead, I will say that any transactions between a Russian and a foreign bank, of course, are under close scrutiny. Even a simple refund from an online store can turn into a call from the tax office with the requirement to submit a declaration of income received.
What the tax office can dig up.
I repeat, the likelihood that people will start digging under the full program is extremely small. In most cases, this happens when you get into the list of bankrupts (500 thousand rubles of debt over 3 months). But all the same, I will indicate what resources the tax authorities have in relation to ordinary citizens.
All available information can be divided into two types: obtained in a couple of clicks from a working computer and obtained by hemorrhoids through certain procedures.
In a couple of clicks: passport data, place of residence, information about property (all characteristics of real estate, transport, land, including the history of their purchase and sale), participation in organizations as a manager / founder, place of work, official income, the presence of enforcement proceedings ...
Through procedures: marital status (spouses and children), transactions on accounts of physicists, foreign property, IP addresses from which you entered the bank's website / mobile application, MAC addresses.
So, you can not be afraid of the tax office?
Yes, the financial flows of an ordinary citizen are practically not controlled by the tax authority, with the exception of transfers from abroad.
A little life hack: if you are still pinned to the wall, then show the tax authorities that you have nothing to fuck with. Cases when the tax authority calculates taxes / fines, and then cannot collect them, negatively add up on statistics, and therefore on salaries.
But not everything is so beautiful. The main problem lies in banks, which are guided by Federal Law No. 115-FZ "On Counteracting Legalization (Laundering) of Criminally Obtained Incomes and Financing of Terrorism." If we look there, we will see transactions with funds that are subject to mandatory control:
1) transactions over 600 thousand rubles, which are as follows:
a) Purchase / sale of foreign currency for cash;
b) Opening a deposit / deposit for third parties;
c) Transferring money abroad to the account of an anonymous person or receiving money from such a person;
d) Purchase and sale of precious metals and stones.
2) A transaction with real estate (apartment, premises, etc.) in the amount of over 3 million rubles.
There are also such operations as transferring money to accounts in the DPRK and the Islamic Republic of Iran, but I think they are of little use to us. If anything, the complete list is here.
In addition, the bank can flag your transaction as suspicious. The signs of such transactions are listed in the appendix to the Regulation of the Bank of Russia No. 375-P dated March 2, 2012 . I will list the main ones that are suitable for our situation:
Any transactions that do not correspond to the established market practice or on deliberately unfavorable terms, when you can choose more profitable ones.
Difficulties and delays in obtaining information from the client that the bank requests.
Refund within a short period of time to the same person, but to another account (Petya transferred money to you, and you very quickly transferred the same amount to Petya back, but to another account).
Crediting funds to an account within a short period from one / several persons, if the amount received exceeds 600 thousand rubles.
Regular crediting of large amounts (which ones are not mentioned) with the subsequent withdrawal / transfer of this money at once or in different proportions within several days.
Regular receipts of money to e-wallets from a significant number of other individuals with subsequent cashing out.
Transfer of large amounts from one account to another (owned by the same person) with subsequent cashing.
Regular money transfers funds to online stores in the amount of less than 600 thousand rubles.
Regular receipts to your account of amounts less than 600 thousand rubles, if you provide services in the field of Internet commerce (in this case, you must be registered as an individual entrepreneur carrying out such activities).
Any complex withdrawal schemes and cash out for a large number of people, which are not characteristic of an ordinary person.
Almost any transfers to / from foreign accounts
At the same time, banks can develop their own signs of "suspicious activity", which, of course, are not in the public domain.
Let me summarize.
To avoid problems with the tax office, you just need to pay property taxes for the car / apartment / land, which are already charged to you, not to meddle once again with a request for a deduction, submitting a declaration. However, the underlying problem is not in the tax one, as most believe, but in the banks, which are supposedly fighting terrorism and cashiers.
In my opinion and experience, if you receive payments from one or three CPA affiliates to your e-wallet, then withdraw money to the card and use this card, then with low turnovers (up to 600 thousand per month), no problems will arise ... The main thing is to work along a simple chain "your personal electronic wallet is your personal bank card" and not rush to cash out.
If the turnover increases, then it is better to register as an individual entrepreneur in your type of activity under the simplified taxation system, pay 7% of income or a fixed amount per year for a patent (the amount depends on the region) and not worry about inventing cash out schemes that will be calculated and blocked by banks.
Those who work in the dark sphere and without me understand that there is no need to register anything for themselves, because individual entrepreneurs and organizations periodically come under close scrutiny, and the materials of the check are put on the table of the investigator.
Remember the rules that I told you and everything will be fucked up!
