Paying with another person's card is legal

[roseline371274]

The fact is that the transaction of transferring funds by one individual to another in payment for goods, services, or for any other purpose is not illegal in itself. What is illegal is not declaring income and not paying taxes on such income.

The Tax Code contains a provision that determines who is responsible for withholding and paying taxes, the tax agent (payer) or the recipient of funds. When transferring funds to another person's account, a citizen is not a tax agent. Simply put, as an individual, when paying someone for goods or services on a card, I am not responsible for whether the recipient of the funds declares his income and whether he pays the necessary taxes on such funds.

And since tax authorities cannot achieve an increase in tax culture and voluntary declaration of income special database by citizens through legal means, they have entered through the banking system.

What will happen next?
The figure of the percentage of citizens who will practically not be affected by such a restriction is interesting: 95-98% of citizens. These data allow us to conclude that 95% of bank clients do not transfer amounts exceeding UAH 100,000 from their accounts and do not make more than 30 such transfers. Sometimes banks independently set limits on the volume of transactions or transaction amounts on accounts. It is becoming increasingly difficult for wealthy clients who keep money in banks to operate with their funds. I have a feeling that the banking system of Ukraine is interested in serving a citizen with a small income, whose account transactions are completely predictable: paying for housing, food, clothing, education or entertainment, paying a mortgage and small savings. Everything that falls out of this paradigm will be screwed. The funds will be held in the banking system as long as clients explain what kind of transactions they are conducting and why.