Reading 5 min. Published on 11/18/2019
In the early 90s of the last century, several significant events took place that negatively affected the lives of a huge number of people. collapse Soviet Union and collapse it banking system led to the loss of deposits by the population, many of which accumulated throughout their lives. The government of the country has developed a compensation program for the return Money times of the USSR, and at present, payments are made by the Savings Bank of Russia, which has become the successor of the Savings Banks.
Who is entitled to compensation for deposits before 1991 in Sberbank?
As in previous years, government payments on USSR deposits that were in effect on June 20, 1991 will continue in 2017.
- Compensation payments are provided for Russian citizens not younger than 26 years old having unclosed deposits in the Savings Bank on a specified date.
- To the successors of these persons compensation is also given.
The procedure and amount of payments are regulated by Decree of the Government of the Russian Federation No. 1092 of December 25, 2009.
The procedure for receiving compensation for deposits until 1991 at Sberbank
To receive compensation payments on the deposit, the depositor or his heirs write an application in accordance with the established model. For the convenience of customers, remote application is provided through the Sberbank Online @ yn system. All other documents are presented to the bank in person.
The depositor's application is considered within the established time limits and after 30 days the due amount is transferred to the client's account.
Clarification: It should be noted that in some cases the bank takes a commission for transferring funds from one branch to another.
What documents are required to issue compensation for deposits before 1991 in Sberbank?
After submitting an application for the payment of the amount due on the deposit, the following documents are submitted to the bank:
- If a person was a depositor, then he presents Russian passport and original passbook (it might not have been preserved, then the book is simply restored).
- It will be required from the heir passport of a citizen of Russia , and a document confirming the death of the depositor and the right to inheritance the person submitting the application (The amount of compensation in this case is determined taking into account the shares due to each of the heirs).
How to calculate the amount of compensation on deposits before 1991 at Sberbank: calculation formula
total amount government payments on deposits in force as of June 20, 1991, depends on the balance of funds in the account in specified period and the age of the contributor.
The formula for calculating compensation for deposits looks something like this:
(Ov x Kk x 2(3)) Rk = Amount of payments, where
Ov– The amount remaining on the account (in rubles) on the date of 06/20/1991.
K k– Increasing compensation factor.
Calculated depending on the date of cancellation of the deposit agreement.
Numbers 2-3 mean that the balance of the amount on the deposit increases by 2 or 3 times, depending on the date when the depositor was born.
- For Russians born in 1910-1945, payments are provided with a multiplying factor of 3.
- For depositors, citizens of the Russian Federation, whose year of birth falls on 1946-1991, the multiplying factor is 2.
Rk– The amount of compensation received by the depositor on the deposit (in rubles).
If a person has already applied for partial compensation on a deposit, then this amount is deducted accordingly.
Calculation examples:
- If the depositor was born in 1943 and the balance of funds at the time of closing the deposit in 1994 amounted to 2000 rubles, then the amount to be received is: 2000 x 3 x 0.8 = 4800 rubles.
- If the depositor was born in 1968 and at the time of applying for compensation, a deposit in the amount of 500 rubles. remained unclosed, then the payment will be: 500 x 2 x 1.0 \u003d 1000 rubles.
- If the contributor was born in 1945, has active deposit with remainder
funds of 900 rubles, but received partial compensation in the amount of 200 rubles in 2000, then the payment is calculated as follows: 900 x 3 x 1.0 - 200 = 2500 rubles.
The balance of funds on the account is confirmed by presenting the passbook to the bank employees.
Who is not compensated for deposits before 1991 in Sberbank?
According to Decree No. 1092, there are several conditions under which compensation on deposits of the USSR Savings Banks is not paid:
- If the depositor does not have the citizenship of the Russian Federation or he does not have citizenship at all.
- The term of the deposit agreement was canceled in the period from 06/20/1991 to 12/31/1991.
- The depositor has already received all due payments.
- The heirs of the deceased owner of the deposit are persons under 26 years of age.
- The heirs cannot confirm Russian citizenship.
Features of payment of compensation on deposits until 1991 in Sberbank to the heirs of the depositor
The heirs of the depositor can receive payments on the deposit in two cases:
- With direct compensation of the contribution itself . If there were several accounts, then they are all summed up.
- As compensation for funeral services in the event of the death of the contributor . Payments in this case are made, even if the money was received earlier.
Compensation for funeral services in accordance with Federal Law No. 238 of December 19, 2006 provides for the following amounts:
- With a contribution of 400 rubles. and above payments are 6000 rubles.
- If the depositor's account is less than 400 rubles, then a multiplier of 15 is used. So, for example, with a deposit of 350 rubles. compensation will be 350 x 15 = 5250 rubles.
After the heirs have received compensation for the organization of the funeral, the bank puts a note about this on the document confirming the death of the depositor.
Additional payments under this item are not provided.
Where can I get compensation for deposits before 1991?
In the event that a depositor is entitled to compensation for a deposit “frozen” as of June 20, 1991, he can apply to any branch of Sberbank. It is not necessary to go to the place where the account was opened, especially since not all addresses of Sberkass branches have been preserved. In addition, many depositors have also changed their place of residence over the years.
In total, there are more than 19,000 branches of Sberbank in the country, which allows customers to take advantage of banking service in any region. Not to mention the fact that bank branches can be found at the place of residence.
Today, the deposits of Russians are protected by the deposit insurance system (DIS), and in the days of the Soviet Union, this practice was not yet applied. And yet, many financial cataclysms, the collapse of the USSR led to serious financial losses for citizens. This question for many of them remains painful until now. It is good that now there is an opportunity to issue a return of Soviet deposits in Sberbank. A similar operation is available to Russians in 2017. But not everyone will be able to repair the damage caused. To understand whether it is worth going to the bank, a person should familiarize himself with the requirements and other return conditions. All this will be discussed in the article.
What is the program?
Sberbank is the largest state bank in Russia. It is not surprising that the government also reimburses deposits through this financial institution. Despite the fact that people lost their funds more than 25 years ago, a person has the opportunity to receive compensation for them even today.
The main criterion for classifying deposits as Soviet deposits is the date of its opening. So, applications of citizens are considered only if the deposit was opened no later than 20.07.1991.
In order to return people their money, the state allocated 5.5 billion rubles from the budget in 2017. For this, even a specialized expense item has been introduced. The conditions for making a return are identical to those that were previously, only the amount of funds is much less than in previous periods.
Who can make a return?
The state, allocating funds for the compensation of deposits, put forward a number of criteria for people who want to return money from Soviet savings books. Yes, the right to receive financial resources have the following categories of citizens:
- those who have received consent to reimbursement, but have not yet issued it;
- Russian citizens living in Russia today;
- citizens born before 1991 (the date of birth depends on the amount of compensation - if the year of birth dates back to 1945, then the money is issued three times, the rest - twice);
- heirs of persons who had savings accounts during the Soviet era.
Regarding the heirs, there is a clause that allows you to receive the money they spent on burial and other funeral services for Soviet investors who died between 2001 and 2017. The state compensates them with 6,000 rubles if at the time of 1991 there were 400 or more rubles in the account. If this amount was less, then the amount of compensation increases to 90,000 rubles.
- persons having citizenship of other republics of the union;
- heirs who do not have Russian citizenship;
- persons who have already received compensation from the state;
- citizens who opened a deposit after 07/20/1991;
- persons who closed their savings account in the period from 06/20/1991 to 12/31/1991.
Thus, only Russian citizens are entitled to receive compensation. Other persons must resolve this issue with their state.
Return procedure
There is a strict procedure for processing compensation. Sberbank of Russia is dealing with this issue. It will not be possible to make a refund in other financial institutions. So, if a person wanted to issue a refund in 2017, then he should act as follows:
- write a statement expressing a desire to receive compensation;
- come to any branch of Sberbank in the country, additionally taking with you a Russian passport and a savings book;
- wait for a response from a bank specialist and receive the funds due to your account or in another way, if provided.
Of course, it takes time to process an application. In addition, specialists must calculate compensation, enter information about the client into their database. Therefore, you should not expect to receive money on the day of treatment.
Not only the owner himself, but also his heirs, if the depositor is already dead, can transfer the application and the savings book. If he is alive, but cannot apply to the bank on his own, then he will have to draw up a power of attorney and certify it with a notary. In this case, the legal representative must appear at the branch of Sberbank with a power of attorney and a passport. When the depositor undergoes treatment, his power of attorney can be certified by the head of the medical organization. Appeal to a notary in this case is not required.
List of required documents
It is natural that documents will be required to receive compensation. The list of papers looks like this:
- completed application form;
- Russian passport (another document proving the identity of the applicant may also be presented);
- savings book (if it was lost, you will have to additionally write an application with a request to restore it);
- power of attorney (when contacting the bank not by the depositor, but by his legal representative);
- additional application (only needed for those who closed their savings account between 1992 and 2017).
If the depositor himself has already died, then his heir must present a slightly different package of documents to the Sberbank branch:
- Russian passport;
- savings book or statement about the loss of the document;
- depositor's death certificate;
- a document confirming the right of inheritance of the applicant;
- a certificate confirming that the deceased depositor was a citizen of Russia at the time of death.
Calculation procedure: coefficients
The state, in order to avoid injustice, has established certain coefficients for calculating compensation. Their amount depends on the year in which the deposit was repaid. These parameters are guided by the bank's specialists when considering customer applications and calculating their reimbursement. Coefficients are assigned according to the following scheme:
- 1.0 - if the savings account has not yet been closed or was repaid between 1996 and 2017;
- 0.9 for deposits made between 1992 and 1994 and redeemed in 1995;
- 0.8 - for accounts opened from 1992 to 1994 but canceled in 1994;
- 0.7 - for deposits opened in 1992, the term for which ended in 1993;
- 0.6 for savings accounts that were closed in 1992.
For the maximum convenience of its customers, Sberbank has developed a special online calculator on the official website, with which you can find out the amount of compensation by entering the deposit parameters. Thus, a person will understand in advance what he can count on when contacting a bank branch.
Summing up
As you can see, there are no particular difficulties in obtaining compensation. Moreover, everything happens in accordance with Russian legislation. Of course, the amount of compensation will not cover the losses of the Soviet period, but it will return at least part of the funds. The state does not waive its obligations to compensate for the damage caused to citizens during financial crisis Soviet period. Confirmation is the annual allocation of funds for this item of expenditure in the country's budget.
In this material:
As the news shows, the latest government amendments determine not only the categories of citizens of the former USSR who are entitled to compensation for deposits until 1991, but also their volume. You can receive money:
- SB clients Russian Federation born in the USSR before 1945. Three times the balance of the deposit as of June 20, 1991 is proposed. The calculation of the level of compensation payments is made from the face value of the then banknotes. The level of payments also depends on the duration of the savings account. The amount of money returned can be reduced if the former client of Sberbank has already received a certain amount;
- Two and three times the amount will not be available to those savings account holders who closed their deposits in the period from June 20 to the end of 1991;
- Double reimbursement is offered to bank customers from 1956 to 1991 years of birth. The amount of money returned is calculated from the balance on the deposit.
If the owner of the savings deposit, who is entitled to a refund, died between 2001 and 2015, then the heir can receive the refund if the relevant documents are available. Persons who have paid for funeral services at their own expense (no more than the cost of funeral services) can also receive money.
Where can I get money on deposits in 1991 and what documents are needed?
Payments are made at any branch of Sberbank of the Russian Federation. Funds are issued only in case of application former contributor.
Required documents:
Heirs or persons who paid for funeral services must provide:
- Passbook (if any);
- Identification document;
- Completed application for reimbursement;
- Certificate of death of the owner of the deposit;
- A notarial decree confirming the right of inheritance (for a person who paid for ritual services with his own money);
- Documentary confirmation of inheritance law (for the heirs of the former contributor to the Security Council of Russia).
At the request of the client, compensation funds can be transferred to another bank deposit or issued in cash. Money can also be issued to a trustee of a former bank client. You will need to provide a passbook (if any), a passport and a notarized power of attorney.
Calculation of possible compensation for depositors of Sberbank of the USSR
Here, the amount of compensation payments directly depends on the year of birth of the former depositor, as well as the time when the deposit was closed. The amount of payments is determined as follows: the balance of the deposit increases by two coefficients, after which it decreases by the amount previously paid. One indicator is equal to "2" (depositors with a date of birth from 1946 to 1991), the second coefficient is "3", for bank customers born before 1946.
Indicators for calculating the amount of funds returned to customers of Sberbank of the USSR:
| Calculation indicator | Closing year | The period of validity of the deposit prescribed in the agreement |
| 0,6 | 1992 | 1992 |
| 0,7 | 1993 | 1992 |
| 0,8 | 1994 | 1992 -1993 |
| 0,9 | 1995 | 1992 - 1994 |
| 1,0 | From 1996 to 2012 (or until 2015) | From 1992 to 2012 (or until 2015) |
A calculator for the exact calculation of the due return of funds, as well as news of future settlements, can be seen on the official web resource of Sberbank of the Russian Federation.
Compensation for 1991 deposits: calculation examples
First example
The bank's client was born in 1954. His deposit was closed at Sberbank of the USSR in 1993. At the time of closing the account, the balance was seven thousand and three hundred rubles. Haven't received any payments before.
IN this case, the payment will be made in double the amount. The shelf life index is 0.7. Therefore, 7,300 x 0.7 x 2 = 10,220.00 rubles.
Second calculation example
The Sberbank client was born in 1939. His savings account was closed in the fall of 1991. At the time of closing, the balance was eight thousand two hundred rubles. Haven't received any payments before.
The owner of the savings account will not be able to receive money, because his deposit was closed before the end of 1991. He is not subject to the law.
Will the heirs of the depositors receive money and how much?
According to resolution number 1092, the possibility of compensation payments to heirs is provided former owners savings accounts. Heirs can receive money in two cases:
- Direct compensation on the deposit;
- In the event of the death of a former contributor to the USSR Security Council.
It is worth noting that in the event of the death of the owner of the savings account, the money will be issued regardless of whether the money has already been received before. As for the funds for paying off the cost of ritual services, they will be issued even for those deposits that were closed between June and the end of 1991.
If the deceased client of the bank had several deposit accounts opened in one branch, then they are summed up. But if the deceased had accounts opened in different branches of the bank, then compensation payments will be in only one branch.
Received compensation? Now is the time to find a suitable deposit with high interest. To do this, use the form below.
The issue of compensation for deposits opened during the Soviet period is of interest to many residents of the Russian Federation of the older generation. In order to receive a refund, the depositor must meet certain requirements. Those depositors who are entitled to a payment can apply with necessary documents to any branch of Sberbank.
Payments on USSR deposits: regulations
Main legislative act, on the basis of which the recalculation and payment of compensation is made, is Federal Law No. 73, approved in 1995. It regulates the processes of reimbursement of funds and ways to protect the deposits of the population.
In the 15th article of the Federal Law No. 415, which has been in force since 2016, approved order and the amount of compensation for deposits opened before 06/20/1991. federal budget for 2017–2019 funds were laid down for compensatory payments to the population on the deposits of the USSR. Each year 5.5 billion rubles will be allocated for these purposes. Cash payments in current year will begin immediately after the receipt of the specified amount to the accounts of Sberbank of the Russian Federation.
When submitting an application for compensation, it should be remembered that if the specified deposit has previously received 2-fold or 3-fold reimbursements, other types of compensation or payments for funeral services, a second payment will be denied. According to paragraph 5 of Article 15 of Federal Law No. 415, these circumstances are the basis for rejecting the application by the bank.
Who can expect to receive compensation?
Despite the fact that Federal Law No. 73 was enacted more than twenty years ago, many citizens did not receive any compensation during this period, and they are entitled to compensation on deposits. However, not everyone can count on receiving payments over the next two years. There are several criteria that Russian citizens must meet in order to receive compensation.
If the contributor is alive
The following can receive guaranteed compensation on deposits opened during the Soviet era:
Regardless of the year of birth, 2-fold and 3-fold compensations are not provided for them, the calculation is made according to other coefficients, which depend on the period of storage of the deposit in the savings account.
The size of the coefficients for recalculation can be clarified on the official website or at any branch of Sberbank of Russia.
The following categories of depositors are not entitled to reimbursement of amounts available on savings accounts as of June 20, 1991:
- those who previously received a refund in a double (triple) amount or a payment to cover the costs of funeral services (up to 6,000 rubles);
- closed savings accounts before the end of 1991;
- who do not have citizenship of the Russian Federation (the place of residence is not taken into account).
If the contributor dies
Compensation for the contributions of a deceased relative can be received by legal heirs only if the person died no earlier than 2001. Payments are also provided for persons who have paid for funeral services. According to current legislation a person organizing a funeral and a mourning ceremony is entitled to receive compensation from the state in the amount of 6,000 rubles.
Heirs are entitled to a refund of the deposit amount if the depositor was born before 1991. It does not matter how old the person was at the time of death. If the depositor has previously received compensation for the specified deposit, the heirs will be denied payment.
The amount of compensation paid in the event of the death of a depositor is influenced by several factors:
- year of birth of the legal heir;
- the status of the deposit at the time of application;
- the share of the contribution due to the heir (if there is a will drawn up in advance by the investor);
- making any refunds on the deposit until the application is submitted to the bank.
Compensation calculation
When calculating the final amount payable on old passbooks, the date of birth of the depositor and the year the savings account was closed are taken into account. The amount of the account balance at the time of closing is increased by the set coefficient. The amount of preliminary payments received by the depositor earlier is deducted from the result obtained.
For passbook holders born between 1946 and 1991, the coefficient "2" is set, and for those who were born before 1946, the amount will be tripled. Depending on the year the account was closed, additional multipliers are used in the calculation.
The sizes of additional coefficients used in the calculation are as follows:
| Savings account validity | Savings account closing year | Multiplier |
| 1992–2018 | 1996–2018 | 1,0 |
| 1992–1994 | 1995 | 0,9 |
| 1992–1993 | 1994 | 0,8 |
| 1992 | 1993 | 0,7 |
| 1992 | 1992 | 0,6 |
For preliminary calculation the amount of compensation for old passbook you can use the online calculator posted on the official website of Sberbank of Russia. For a more accurate calculation, you should contact the employees of the nearest bank branch, who can restore information on debit transactions on the account and calculate the final amount of the payment.
When calculating the amount of compensation for the accounts of depositors born before 1946, the formula (Ov×Kk×3)-Rk is applied. For double reimbursement of funds to depositors born between 1946 and 1991, a similar formula is used (Ov×Kk×2)-Rk with the appropriate notation.
The breakdown of the formula compiled to calculate the reimbursement is as follows:
- designation Ov - the amount on the savings account as of June 20, 1991;
- designation Kk - coefficient for calculating compensation;
- designation Rk - previously issued compensation on the account.
For example, let's calculate the amount of compensation on the savings account of a citizen born in 1941. The amount of the deposit as of June 20, 1991 was 5 thousand rubles, and it was closed in 1994.
Considering the depositor's year of birth, compensation will be made in 3 times the amount with a coefficient of 0.8. As a result, the depositor will receive compensation in the amount of 12,000 rubles. If the owner received advance payments, they will be deducted from the calculated amount.
In most cases, the heirs do not have information about all the contributions of the testator and the amounts paid on them. To obtain such data, you must apply to the employees of Sberbank, who will check the accounts and provide up-to-date information.
Required documents and features of receiving payments
For getting own funds For old savings books, you need to collect the following list of documents:
- Passport of a citizen of Russia.
- When changing a surname or other passport data, a document is required that served as the basis for this.
- Savings book indicating the amount of the balance on the account as of 20.06.1991
- Application for compensation. An application form can be found on the Sberbank website or received at a bank branch.
In addition to the owner, the heirs of the depositor or a trustee who has a power of attorney issued by a notary can apply to the bank for compensation. An application for a refund of the deposit amount can be submitted in any city of the Russian Federation, regardless of where the savings account was opened. Depending on the grounds for the emergence of rights to compensation on deposits of the Soviet period, the list of papers required to be submitted to the bank along with the completed application may differ slightly.
Close relatives who inherited the bank savings of a deceased citizen, in accordance with the procedure established by law, in the absence of a will from the depositor, must provide the following documentation:
- passport of a Russian citizen (applicant);
- death certificate of the owner of the deposit;
- a document certifying the right to inherit funds in a savings account;
- if the account has not been closed before the application is submitted, you must provide the original savings book;
- a document certifying that the testator has Russian citizenship at the time of death.
A similar set of documents must be provided by the heirs who became the owners of funds in the accounts of a deceased relative on the basis of a will left by the owner of the savings book. The document must indicate how the property should be distributed among relatives and what share of the contribution should belong to each of them. If the owner of the savings book issued a bank order before March 1, 2002 in the name of any citizen, he may not provide a document confirming the fact of inheritance of funds in the savings account.
If the savings book is lost, it can be restored. To do this, you need to apply with a request to one of the branches of Sberbank.
The modern economic space of the Russian Federation contains many threats such as banking structures as well as investors. The activities of financiers are closely monitored by the Central Bank. Citizens who have entrusted their savings to the institution are suffering.
Therefore, the legislation of the Russian Federation contains the principle of deposit insurance. In addition, in view of the past political and economic upheavals, people are provided with compensation on Sberbank deposits until 1991.
Where are the frozen savings
Until 1991, there were not as many banks in Russia as there are now. Citizens carried their savings to savings banks. After the crisis they were frozen. That is, citizens could not remove them and use them to meet their urgent needs. However, the authorities made sure that the depositors were returned what was lost.
Attention: payments are made by Sberbank within the framework of government decree No. 1092 dated 12/25/09.
This normative act regulates the procedure for making compensatory deductions in favor of deceived depositors. Namely:
- determines the list of persons to whom payments are due;
- Specifies the coefficients for increasing amounts on frozen accounts;
- limits deductions in favor of one recipient.
Who can claim a refund in 2020
Savings made after the above date are non-refundable. In addition, the requirements of depositors who have already received payments from Sberbank as part of previous events are not taken into account.
Reference: according to the information of the Ministry of Finance of the Russian Federation, financing of measures to restore frozen savings in the period from 2017 to 2019 was carried out in the amount of 5.5 billion rubles a year. Russian President V. Putin instructed to make the final settlement of old deposits until 2020.
Citizens who fall under the following conditions can apply for compensation payments:
Hint: if the contributor died in 2001-2019, then the heir can receive 6 thousand rubles. ritual. The condition for such a payment is the balance on the account of the deceased on the specified date of more than 400 rubles. If the account had less than four hundred rubles, then a fifteenfold increase in the balance is applied.Coefficients for determining the amount
The procedure for reimbursement of previously incurred losses implies a relationship with the closing date of the deposit. It is reflected in the table:
Attention: if the deposit is closed from June 20 to December 31, 1991, then triple or double compensation is not due.How to get
- Check whether compensation is due in a particular case (or consult).
- Collect documents, including a passbook.
- According to the savings book, determine the Sberbank branch into which the funds were deposited.
- Write an application and attach the necessary papers to it.
- Wait for the verification to complete and receive funds.
What papers are required
- passport of a citizen of the Russian Federation;
- passbook (original).
The heirs are required to attach additionally the following papers (other than those mentioned above):
- certifying the right of inheritance;
- evidence that the owner has died;
- application form for heirs;
- own passport.
Additional conditions for heirs
In connection with the legislative norm on the restoration of Soviet deposits only to Russians, it is necessary to prove the following facts:
- the deceased owner had Russian citizenship at the time of death;
- date of birth of the heir - earlier than 1991;
- he also has the citizenship of the Russian Federation.
The formula for calculating compensation
How many people will receive in their arms, you can determine in advance. For this, the following formula is used:
B \u003d O x K x 3 - P, Where:
- B - the required amount;
- O - the balance indicated in the passbook (last entry);
- K - coefficient from the table;
- 3 - triple increase (changes to 2 if only double the amount is due);
- P is the advance payment already received.
About money investment insurance
At the level of legislation, measures have been developed to protect depositors from force majeure circumstances. The main activity is called insurance bank deposits(SBV) and it is regulated federal law dated December 23, 2003 No. 177-FZ “On insurance of deposits in banks of the Russian Federation”. This is a procedure aimed at increasing confidence in financial institutions and the state. The fundamental principles of its functioning are as follows:
- Compulsory participation for all banking institutions working with citizens and individual entrepreneurs(IP).
- Implementation of effective modern methods reducing risks for bank customers.
- Availability of information about the work of the financial institution. Publication of reports and important information.
- Implementation of measures aimed at the formation and preservation of archival data (may be needed to determine the amount of debts to customers).
Such activities are carried out by a specially created deposit insurance agency (DIA).
Features of the procedure
As a rule, the technical aspects of insurance do not concern citizens. In order to protect their savings, the DIA and financial institutions. In general, the system consists of several participants (parties):
- Bank of Russia;
- other financial organizations that borrow from the public, including individual entrepreneurs;
- all contributors.
Conditions for receiving compensation
The insurance mechanism is activated subject to certain requirements. These include the following:
- removal of a banking institution from the performance of professional duties by:
- license revocation;
- imposition of a moratorium;
- initiative application of the current investor or his heir on the basis of the application;
- availability of confirmation of the fact of the existence of savings.
Thus, the Agency begins its work after the banking institution, according to the law, no longer has the right to carry it out. Compensation is not automatically issued to citizens. They are required to state the requirements and prove their validity.
Attention: payments to heirs are made according to the laws of inheritance (in full or in parts).
How much money will be returned
The law provides for the limitation of insurance payments. Previously, it was not allowed to issue more than 700 thousand rubles. on one account. In 2016, the regulations were amended:
- the maximum for one account is 1,400,000.0 rubles;
- a person may claim compensation for all available contributions in an amount not exceeding:
- actually existing savings;
- the maximum amount.
Hint: a depositor who had more than 1.4 million rubles in an account in a bankrupt bank will be able to receive the balance after completing the procedure in the general manner:
- upon application, he will be included in the list of creditors (third priority);
- if the funds remain after the satisfaction of the borrowers of the first and second stages, they will be returned to him.
Foreign currency deposits are subject to compensation in rubles at the rate of the Central Bank on the date of suspension of the activities of the financial institution. You can receive money in two ways:
- in cash (with the exception of individual entrepreneurs and small businesses);
- transfer to an account in another credit institution(must be specified in the application).
In this case, the payment is made in the currency of the Russian Federation, and for deposits in foreign currency in rubles of the Russian Federation at the exchange rate of the Bank of Russia on the date of the insured event.
How to apply for compensation
The investor must act promptly and clearly. All legal requirements must be observed in order not to be refused and not to delay the case with the return of savings.
The algorithm of actions is as follows:
- Obtaining information about the suspension of the bank's activities.
- Collection of necessary documents:
- depositors will need an agreement on opening an appropriate account (all);
- to heirs - a document confirming the succession;
- representatives - a notarized power of attorney.
- Visit to the territorial representation of the DIA in order to put forward requirements:
- copies and originals of documents must be submitted;
- write a statement in the prescribed form.
- Applications are considered within the following timeframes:
- in three days;
- but not earlier than two weeks after the decision to revoke the license or the moratorium comes into force.
- Based on the results of consideration, the client receives official information about the balance of funds in the account.
Terms of circulation
Behind compensation payment should be applied from the date of force majeure until the end of the bankruptcy procedure. As a rule, there is enough time for people to get their bearings. Besides, authorized body is obliged to publish information about the start of bankruptcy proceedings:
- in the official publication "Bank Bulletin";
- in writing individually to each creditor (depositor).
It is allowed to submit an application later than the time allotted by law only if there are certain circumstances that did not allow it to be done on time:
- force majeure;
- military service by conscription;
- treatment of a serious illness in a hospital.
Last changes
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Watch a video about the compensation of Soviet deposits
October 10, 2017, 22:53 Oct 7, 2019 16:07 