个体账户超过5w真的会被监控吗？

个人账户一次转账超过5W并不会被银行或税务监控。那为啥每隔：“个人账户进账超过5万就会被税务一段时间，就会有人来渲染局重点监管”的谣言。“5W元标准”是怎么来的？

其一，《金融机构大额交易..管理办法》中提到，“当日单笔或者累计交易人民币5W以上现金缴存、现金支取、现金结售汇、现钞兑换、现金汇款、现金票据解付及其他形式的现金收支。”这一则是对超过5W的现金业务银行上报规定。单指我们持现金存银行或汇款或结汇，银行系统会上报，主要担心现金来源问题。

其二，《中国人民银行关于非银行支付机构开展大额交易..的通知》中要求：“当日单笔或者累计交易人民币5W及以上的现金收支，包括微信支付，支付宝等在内的非银行第三方支付机构需上报。”这一则是对第三方支付平台的上报要求，单指的是第三方支付平台中的钱。如果你用支付大额付款，付的是银行卡内的钱，则不在上报之列。这也是国家为了防止某些不法的人利用第三方平台从事违法交易。

从这我们就能看出来，现金或第三方平台的转账，自然人超过5W会收到银行系统的监控，并上报银行系统。但这仅仅是防止金融犯罪与非法交易而做的工作，与税务上无关系。税务与银行系统打通，也不代表它能够查阅这些数据，更不用说利用这些数据进行查税。

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