Will the tax from July 1, take taxes from transfers to plastic cards?
In second place after raising the retirement age is the “terrible” news that from July 1, the tax will begin to take taxes on all transfers to your plastic cards. It is strange that the topic of the increase in VAT as it is not too "went" in heated discussions. Probably because until 2003, the VAT was already 20% and everyone mistakenly hopes that the current change will affect only the business.
But back to our first horror story. Almost all “generalists in social networks” claim that if you receive 2,000 rubles on the card after July 1, you should immediately pay 13% of the income tax, because the state will interpret this 2,000 rubles. as income. Our state is of course very clever and it would gladly take this tax.
But can not yet ...
Judging by the numerous articles in social networks, no one has read the tax code and is not aware of the amendments to article 86 of the Tax Code. But here's an economistCatherine Miroshkina read and posted. Let's see what has changed in fact and from what date.
As a matter of fact
There are changes in the tax code since June 1. In several articles appeared reference to accounts in precious metals.
There is nothing new about controlling bank accounts. Banks were previously obliged to respond to requests for transactions and account balances.
Tax checks transactions on accounts and cards only if there are legal grounds. The bank transmits information only by official request. Automatically nothing will not be charged.
In order to add, tax must prove a violation. Not all transfers to the card have to pay tax.
The news about total control - stuffing, fake and provocation.
What really changed in NC
Since June 1, there are changes in the tax code, but they do not concern the control of invoices. They mainly concern metal bills. Now rules have been written for them, but there is nothing interesting:
- Metals or their monetary value can lie on metal bills.
- The account holder - a person or a company - can withdraw metal or money from the account.
- By law, such accounts are not insured at a deposit insurance agency.
- The tax may receive information on such accounts, as well as write off money from them on account of tax debt and block, if there are reasons.On tax money accounts, she could receive information and write off money since 2013 and even earlier.
- If it came to writing off money on account of debt, then first write off from the ruble, then from the currency and at the very end - from the metal.
There are still clarifications on taxes on transactions in the sale of precious metals and stones. But there is not a word about new ways of total control over bills and additional charges on taxes with unconfirmed amounts.
What with the control of transfers to personal accounts
On the control of translations written in article 86 of the Tax Code. Banks are obliged to transfer to the tax information that such an individual or company has opened an account, here are the details. And if the tax request sends an official request, the bank must report how much money there is in the accounts and what operations were performed on them. In this form, this provision has been in effect since 2013.
Since June 1, this article added a reference to accounts in precious metals. Now, banks should also report on them to the tax authorities.
The bank does not transmit information about movements on accounts and cards automatically and for no reason.And it will not transmit: there is no such requirement in the law.But if the tax checks, the bank will receive a request and must fulfill it.
Debts, taxes and alimony will be collected without trial.
Does it mean that there is control over income?
There is control over income, but it is not control over every transfer. The tax will not charge personal income tax on each amount for which there are no documents. For most people, the amendments on metal bills mean nothing at all.
In order for the tax office to make a request to the bank about the movement and about the balances of accounts, it must have grounds and documents. The reasons for the request may be, for example:
- tax audit;
- tax debts;
- suspension of account transactions.
All this does not mean that now the tax will monitor all transactions in general, and the bank will automatically report all this to it.
Can the tax find out about the income through the bank and charge taxes?
Maybe, but, despite the powers of tax, it is not so simple. Everything is clear with companies and individual entrepreneurs: there must be documents for each receipt and you can immediately find out by extract what kind of money this is - loan repayment or revenue.
With physical persons more difficult. First, the tax must find grounds for verification.If such grounds were found, she can make a request to the bank and find out that someone sometimes gets some money on the card. One amount is a salary, but for others nothing is clear.
Even if the tax sees such amounts, it will not be able to automatically charge taxes on them. The taxpayer will be asked for an explanation: where the money comes from and for what. But this is not a reason to charge something. There is a whole list of income from which you do not need to pay taxes.
For example, debt repayment or a cash gift from another person is not subject to personal income tax. And any amount can be called a gift.And this tax must provethat in fact money is not a gift, but payment for services. It is not the taxpayer who proves that he is not guilty, but the tax authority is looking for evidence of his guilt. But if he finds and documents everything, only then can there be a penalty - 20% of the unpaid amount. But this is also not news: such a fine has always been and is valid for any arrears.
Transfer to a card is not yet income. Do not rush to pay taxes
I have different transfers to the card other than salary. What to do so that the tax has no claims after a request to the bank?
Universal advice: do not need to invent anything on purpose.If you do not hide anything, honestly declare income and pay taxes, you have nothing to worry about. No one will come and will not charge you personal income tax from all transfers to the card.
Here are tips for the most careful.
Ask those who transfer money to you to indicate a comment to the payment. For example: “birthday present”, “debt repayment”, “darling, buy yourself a fur coat”.
Issue documents for large sums. The tax physically can not verify all transfers of 1000 rubles, even if it makes requests for all customers of banks. But it makes sense to ask you that for 100 thousand rubles you get every month on the card. If this friend returns the debt in parts, it would be good to have a document - a loan agreement or at least a receipt. If you received money from the sale of MacBook, a document that confirms that you sold MacBook and that it belonged to you for more than three years is useful, so there is no tax or a declaration.
Do not ignore requests from the tax. If you are asked for explanations, you need to provide them. Neighbors or a tax complaint could have complained about you that you haven’t been working for five years, but bought an apartment and a car.If your grandmother or even a distant acquaintance gave you money for an apartment, you are not required to pay tax on them. And even if you bake cakes to order, sell them through social networks and get money on the card, it will not be so easy for you to charge something. We told how the law works in this situation and what the tax law actually has.