Your money moves with you — legally and fully documented

• Since 2 March 2022 (Presidential Decree No. 81), individuals may not take foreign cash worth more than USD 10,000 per person out of Russia, at the Central Bank rate on the day of departure. A declaration does not lift this ban.
• If your total cash (roubles, foreign currency and traveller’s cheques) exceeds USD 10,000, it must be declared in writing under EAEU rules.
• Failure to declare is fined at half to twice the undeclared amount, or the cash is confiscated (Art. 16.4 of the Russian Administrative Code); large amounts can lead to criminal liability (Art. 200.1 of the Criminal Code).

Source:ФТС России,КонсультантПлюс

• Since 1 April 2026 (Presidential Decree No. 193 of 25 March 2026), individuals may take cash roubles worth more than USD 100,000 to EAEU countries only through international airports designated by the Government, with a certified bank statement confirming the withdrawal.
• Such amounts may not cross by road, rail or sea. Companies and sole proprietors may not take cash roubles to the EAEU at all, whatever the amount.
• Additional source-disclosure requirements for smaller sums are being publicly discussed — we check the current procedure before every trip.

Source:КонсультантПлюс,ФТС России

• Anyone entering or leaving the EU with €10,000 or more must declare it (Regulation (EU) 2018/1672, applicable since 3 June 2021). “Cash” also includes bearer cheques, prepaid cards and gold.
• Customs may ask about the origin and intended use of the money even below that amount. In Germany, failing to declare can be fined up to €1 million.
• Cash brought into the EU is not yet money in an account: when you deposit it, the bank will still ask you to prove where it came from.

Source:EUR-Lex,Your Europe (EU),Zoll

• On 8 December 2025 the Bank of Russia lifted the limits on foreign-currency transfers abroad for Russian citizens and non-residents from friendly countries.
• Restrictions remain for non-residents from unfriendly countries — the Central Bank extended them until 7 December 2026 inclusive.
• No limit does not mean the payment will go through: many correspondent banks reject Russia-related transfers, so the route and documents make all the difference.

Source:Банк России,Банк России

• A Russian citizen is a currency resident by default. Opening, closing or changing the details of a foreign account must be notified to the Federal Tax Service within one month.
• Every year by 1 June you file a report on movements in your foreign accounts for the previous year. Exemptions apply subject to conditions — for example, accounts with turnover or balance up to RUB 600,000, and accounts in EAEU countries or countries that automatically exchange tax information with Russia.
• If you spent more than 183 days abroad in a calendar year, no notices or reports are required for that year.

Source:ФНС России,ФНС России

• EU banks must verify the client and the source of funds (KYC/AML). Without a clear dossier, a large transfer can be delayed or returned and the account closed.
• For Russian nationals and residents, EU sanctions prohibit banks from accepting deposits above €100,000 in total per bank, unless the client holds EU, EEA or Swiss citizenship or a residence permit there (Art. 5b of Regulation 833/2014).
• German residents must report cross-border payments above €50,000 to the Bundesbank by the 7th business day of the following month. Crypto platforms in the EU operate under a MiCA licence; Germany’s transitional period ended on 31 December 2025.
• From 10 July 2027, an EU-wide €10,000 limit on cash payments applies (Regulation (EU) 2024/1624).

Source:European Commission,Deutsche Bundesbank,EUR-Lex,BaFin

• In Russia you are a tax resident if you spend at least 183 days in the country within 12 consecutive months (Art. 207 of the Tax Code). Non-residents pay 30% personal income tax on most Russian income — including property sales if the minimum holding period has not been met.
• In your new country you become a tax resident under its rules and declare worldwide income. Moving your own, already-taxed money is usually not income, but interest, dividends and capital gains are taxed.
• The order “sale → transfer → change of residency” affects how much tax you pay. We plan it in advance.

Source:КонсультантПлюс

• More than 100 jurisdictions automatically exchange data on accounts held by foreign tax residents under the OECD Common Reporting Standard (CRS). Your bank will ask for your tax residency and taxpayer ID.
• Since 2022 several jurisdictions, such as Switzerland, have suspended exchanges with Russia. But data goes to the country you declare as your residence — so your declaration must be truthful.

Source:OECD,SIF (Switzerland)