October change. How to change the money of Russians from the beginning of the month

From October 1, 2026, Russians will face several changes affecting pensions, banking operations, family mortgages, the work of the self-employed and the rules of the largest digital platforms. Military pensions will be increased by 4%, banks will be able to accept cash to be credited to other credit institutions through the Quick Payments System, and the terms of the family mortgage will depend on the number of children and the region of residence of the borrower. The new rules will also affect sellers on marketplaces.

Pensions will increase from October

One of the October changes concerns military pensioners. Since the beginning of 2026, their pensions are calculated on the basis of 93.59% of the amount of cash allowance. From October 1, an additional increase of 4% is provided. The specific increase will depend on monetary allowance, seniority and allowances due to the person.

The changes will affect not only former servicemen and law enforcement officers. Pensioners who turned 80 in September, from October will begin to receive a fixed payment to the insurance pension in double size. It will be 19,169.38 rubles. A request for such recalculation will not be required.

A similar mechanism is provided for pensioners, who in September established the first group of disability. From the date of establishment of disability, a fixed payment is also assigned in a double amount.

Separate supplements are provided for pensioners containing disabled family members. The calculation is from a fixed payment of 9584.69 rubles. For one dependent, a third of this amount is provided, 3194.90 rubles, for two two-thirds, or 6389.80 rubles. With three or more dependents, the allowance reaches 9584.69 rubles. Unlike the age recalculation, such a surcharge is appointed on application.

Until October 1, federal beneficiaries can also decide whether they want to receive a set of social services in kind or replace it with a cash increase to the monthly payment from 2027. The full monetary equivalent of the NSU since February 2026 is 1825.25 rubles per month. The application can be submitted through the Social Fund, MFC or “Public Services”.

Cash will go through someone else's ATM

Another noticeable change concerns the usual banking operations. From October 1, it becomes possible to put cash through an ATM of one bank and send them to your own account in another credit institution using the SBP.

However, this does not mean that the new feature will automatically appear in all ATMs in the country. The decision to connect the service each bank takes independently. Therefore, before depositing money, the customer will have to make sure that a particular device supports such an operation.

For the new method of replenishment set limits: up to 25 thousand rubles for one operation, no more than 50 thousand rubles per day and a maximum of 200 thousand rubles per month. The bank has the right to establish a commission.

The transaction may not be available if one of the banks did not join the service, the client exceeded the established limit or the transfer caused suspicions in the banking anti-fraud system. At the same time, such deposits will not spend a free monthly limit of 30 million rubles on transfers between their own accounts.

Marketplaces will be transferred to new rules

On October 1, the platform economy law comes into force. It regulates the operation of digital platforms that act as intermediaries between sellers or performers and consumers.

To be included in the special register, the average daily audience of the site must be at least 100,000 Russian users for the previous calendar year. In addition, it is required to meet one of two criteria: at least 10 thousand partners who have made at least one paid transaction for the year, or the total volume of transactions from 50 billion rubles.

The preliminary list includes 12 services, including Avito, Ozon, Wildberries, Lamoda, Joom, Delivery Club, Cooper, Magnet Market, Yandex Market, Yandex Go, Yandex Food and Yandex Travel.

For sellers, the law changes the very principle of the relationship with platforms. Sites must report changes in conditions 15 days in advance and will not be able to introduce new requirements retroactively. The rules of interaction are supposed to be combined into a single contract instead of many scattered documents.

In the cards of goods, sellers should be given the opportunity to place information provided for by law, including information about the seller himself and the necessary certificates. Another requirement concerns the electronic document flow between sites and their partners.

The interaction with buyers is also changing. The interface of the platforms should allow you to make demands for money back, exchange of goods and elimination of shortcomings. The cards will need to disclose the legal information about the seller, licenses, certificates and mandatory marking.

Self-employed will limit work with one customer

New rules will appear for self-employed people working through platforms from the corresponding list. From October 1, government decree No. 760 of June 19, 2026 begins to operate.

Systematic employment for one customer through the platform will be considered work of 60 hours per month for six consecutive months. If in any one of these months the performer has worked less than 60 hours, the six-month period will start again.

If the limit is exceeded, the site must stop issuing and accepting orders between a specific customer and a specific contractor. The self-employed can continue to work with other customers on the same platform.

The rule does not apply to direct contracts concluded without the participation of platforms, as well as to orders for which there is no hourly record. Penalties directly for self-employed are not provided by the decree. At the same time, the identification of signs of actual labor relations may entail tax and administrative consequences for the customer.

Family mortgage will be tied to the number of children

One of the most noticeable financial changes in October will be the new parameters of the family mortgage. The rate is supposed to be determined depending on the number of children, and the maximum loan amount will also vary. In addition, the maximum period of subsidizing a concessional loan is introduced up to 15 years.

For regions of Russia, except for Moscow, St. Petersburg, Moscow and Leningrad regions, with one child under seven years of age, the rate will be 10%, and the maximum loan will be 6 million rubles. For families with two children, if at least one of them is not yet seven years old, a rate of 8% and a loan of up to 8 million rubles are provided.

For families with three children, the rate will be 6%, with four 4%, with five 2%. The maximum loan amount for these categories will be 10 million rubles. The age requirement remains: at least one child must be under seven years of age.

In Moscow, St. Petersburg, Moscow and Leningrad regions, rates will be two percentage points higher under similar conditions. A separate order will remain for a family mortgage for the construction or completion of a private house and the acquisition of land with the subsequent construction of housing. In these cases, the rate will remain at 6% regardless of the number of children or region.