As of June 1, 2026, citizens of countries recognized by Russia as "unfriendly" have faced severe restrictions on access to their bank deposits and accounts in Russian credit institutions. The reason was Presidential Decree No. 377, which extended the scope of the earlier framework Decree No. 95 (which regulated payments on loans, borrowings, and securities) to bank deposits. As a result, banks are now obliged to apply a special procedure for fulfilling obligations: if the established limit of 10 million rubles per month is exceeded, the funds must be transferred to special ruble Type "C" accounts. The disposal of money in such accounts is strictly limited by the regulator.

The restrictions have affected non-residents from all countries included in the list of unfriendly nations, including the European Union states, the USA, the UK, Canada, Japan, South Korea, Australia, New Zealand, Switzerland, Norway, and Ukraine. In practice, the freeze has hit not only major investors but also holders of small deposits. It is reported that even foreigners holding a permanent residence permit (VNZh) in Russia, highly qualified specialists, "talent visa" holders, and individuals who have declared their commitment to traditional Russian values have encountered the problem. At the same time, Russian citizens (including those holding dual citizenship of an unfriendly country but permanently residing in the Russian Federation) do not fall under these restrictions.

The situation is further complicated by the fact that the decree contains only a specific amendment and does not provide detailed clarifications on procedural matters—for instance, whether the restrictions apply to standard current accounts or exclusively to time deposits. Because of this, banks are forced to interpret the new rules independently, which has led to inconsistent practices: some credit institutions have temporarily blocked access to savings accounts "as part of process adjustments," while others recommend that clients await official clarifications from the Central Bank of Russia.

The future of these funds is directly linked to the logic of Russia's retaliatory measures against the freezing of its own gold and foreign exchange reserves and the assets of private investors abroad. Previously, Russian authorities have repeatedly stated that any actions by Western countries to seize or use income from frozen Russian assets would trigger a mirror response. In such a case, Moscow could utilize the income from the assets of foreign persons accumulated in Type "C" accounts. Dmitry Medvedev, Deputy Chairman of the Security Council of Russia, also warned of the readiness for a symmetrical seizure of foreign assets within the country. Thus, the blocked funds remain under tight state control and serve as an element of financial leverage. Affected clients, for their part, are attempting to challenge the actions of specific banks through customer support, the Central Bank, or judicial bodies.