The procedure for opening a bank cell. Opening safes. Opening the cell when the client keeps prohibited items

When it comes to keeping money in a bank, most individuals mean placing funds in deposit accounts. At the same time, there is another way to ensure the safety of money and other material assets, which has recently become more and more common - these are bank cells. How safe is it? Is there a possibility that the client will not be able to get their savings back?

When contacting a bank, a client may be offered a choice of several cell sizes. The larger it is, the more expensive its maintenance. After the conclusion of the contract and payment of the commission, the client receives the key and, accompanied by a bank employee, goes to the depository. Access options may vary. As a rule, a bank representative unlocks access to the cell through the electronic control system, and the client directly opens his safe with a private key. In some banks, the cell has two keys: one of them is received by the client, and the second remains in the bank. In any case, the access system must be such that it is not possible to open the cell without a client, except in emergency situations.

When the contents are bookmarked, the bank representative is not present. There may be cameras in the room that record the very fact of entering the room, but cannot film the contents of the safe.

Benefits of safe deposit boxes

The main advantage of cells, which attract more and more clients, is the fact that the client is spared from the negative consequences of revoking a license from a financial institution and its subsequent bankruptcy (the contents of the cells are not reflected in the bank's balance sheet). Any amount, even if it exceeds the amount of 1.4 million rubles guaranteed by the deposit insurance system, is always available to the client, and he can withdraw it in full.

Also this service attracts high level of privacy. As a rule, the agreement on the use of the cell provides that bank employees do not have the right to control what exactly is placed by the client in the cell. In addition, information about its presence does not fall into the black market of organizations that specialize in illegally providing information about citizens to third parties.

Despite the existence bank secrecy, the client cannot be sure that account information will not fall into any government bodies, since, by a court decision, the bank is obliged to provide data about the client. But in such requests there are rarely requirements to disclose information about the presence and contents of the cell.

Despite all its attractiveness, such storage of money and valuables has a number of disadvantages. In fact, there is no 100% money or value back guarantee. According to standard contract, the bank is not responsible for the contents of the cell, since the bookmark takes place without the presence of a representative of the bank and the inventory is not compiled. Therefore, if the client discovers that the cell was opened in his absence, it is almost impossible to prove the fact of the loss and collect compensation from the bank.

If we talk about the suspension of the bank, then the money in the cell will not be lost, but physical access to the depository may become more difficult. Clients have to contact the liquidation commission or the deposit insurance agency to clarify the procedure for accessing the cell.

Some banks offer safekeeping services as an alternative to safe deposit boxes. It lies in the fact that the bookmark of values ​​​​occurs in the presence of a bank employee and by compiling an inventory. In case of theft, the bank is obliged to return the valuables to the client in full.

In any case, the extent of the bank's responsibility for the contents of the cell is prescribed in the contract.

Another negative point is the presence of a commission for the use, as well as the absence of any income. For a cell, the bank needs to pay from 15 rubles per day (the shorter the cell rental period, the more expensive the daily payment). The bank also usually takes a deposit for issuing the key, and in case of loss or damage, this money is not returned.

When is cell opening legal?

1. The bank has the right to open the cell on its own if the term of the agreement has expired, and after a certain time specified in the agreement, the client has not applied to the financial institution. At the same time, the seized valuables continue to be stored in the bank's safe, and the client can get them back after paying the debt for the bank's services.
2. Also, the cell will be opened if it is a source of poisonous or unpleasant odors, noise or radiation.
3. In the event of the death of the owner of the cell, it will be opened to describe the contents and open a hereditary case.
4. Law enforcement agencies can access the contents of the safe only by court order. In addition, the safe may be seized if it is the subject of a dispute.
5. If the safe is damaged, there is a threat of damage or there is a need to repair the depositary, the bank may move the contents of the safe, and it is obliged to notify the client about this.

Should you use a cell?

Is it safe to keep money in a safe deposit box? Keeping money in a safe deposit box has its risks, like all other ways to ensure the safety of funds. Security is not only dependent on financial stability jar. Most of the losses from safe deposit boxes occur as a result of fraudulent actions of employees of a financial institution. It is impossible to protect yourself from this risk. To minimize it as much as possible, choose big banks, as they use technology to a greater extent in order to exclude illegal access to the contents of the cell. To date, there are systems for accessing the palm print.

As in the case of placing funds on a deposit, you should not place a large amount money in one box. Of course, you will have to pay a double commission, but this will significantly reduce the risk of losing all funds. Only responsible storage can give a greater level of security.

Almost every person sooner or later faces the question of how to protect their money or other material values ​​as much as possible. There is no single answer, unfortunately. All methods have both their pros and cons.

Today, due to the instability of the ruble exchange rate and the distrust of the population in deposits, a particularly popular way to save capital is cash, gold and other material assets. But here's how to ensure the maximum safety of your savings in this case? You can, of course, store it at home under a mattress in a safe, but many still advise using a safe deposit box for these purposes.

In this article, we will just consider in detail such a service as renting a bank cell. And we will see whether the safe deposit box can really solve all the problems of the safety of valuables or the reliability of the safe deposit box - this is just a well-hyped myth.

First of all, I want to note right away that according to Article 922 of the Civil Code of the Russian Federation, there are 2 options for storing material assets in a bank cell:

Responsible storage

The Bank accepts from the client the valuables that must be kept in the safe, exercises control over their placement by the client in the safe and withdrawal from the safe, and after the withdrawal returns them to the client;

"Irresponsible" storage

The bank simply provides the client with the opportunity to place valuables in the safe and withdraw them from the safe outside anyone's control, including the bank. In this case, the bank is in no way responsible for the contents of the cell, because. does not control what you put there.

The most interesting thing is that almost all banks offer exactly bank cell rental(i.e. "irresponsible" storage), and the service of safekeeping is simply not provided.

For clarity, let's analyze as a financial institution with the largest number of cells. And you will see that the protection of your valuables in a safe deposit box is very conditional.

Risks when renting a bank cell:

1 Clause 5.5 of the bank safe lease agreement immediately catches the eye.

The Bank is not responsible for the condition of the contents of the Safe.

Neither subtract nor add. That is, in the section of the agreement “Obligations of the bank” and “Responsibility of the parties” it is written about anything (about the procedure for issuing keys, that the bank is obliged to provide the client with access to the safe, control access to the premises, etc.), just not about the fact that the bank gives you guarantees of the safety of your valuables in a safe deposit box.

2 You will not be able to prove in any way how much or how much material assets were in the cell, since the bank does not control what you put there, but simply leases the cell to you and that's it. Therefore, it is impossible to exclude the possibility that an unscrupulous bank employee will open your cell and reduce the contents by a certain amount.

4.1.1. If you have any suspicions about the item of attachment, ask to visually inspect this item, including using non-destructive testing devices.
Terminate this Agreement in case of violation by the Client of the conditions of clause 3.1.1. actual agreement.

See paragraph 3.1.1. in case of violation of which the bank can open your safe. The client has the right

3.1.1. From the date of signing this Agreement, use the Safe to store investment items, except for explosive, flammable, toxic, radioactive, narcotic and other substances that can have a harmful effect on humans and environment, firearms, ammunition and property confiscated from civil circulation in accordance with the legislation of the Russian Federation.

But if the bank claims that it has no control over the content being bookmarked by the customer, as then credit organization can determine if a safe deposit box is being used to store prohibited items?

4.1.2. Without prior notice to the Client and in his absence, open the Safe and withdraw the investment items located there in the event of force majeure, i.e. such extraordinary and unavoidable circumstances under the given conditions that significantly complicate or make it impossible for the Bank to fulfill obligations under this Agreement, as well as in case of violation by the Client of the conditions of clauses 3.1.1, 3.2.5 of this Agreement.

5 Also, the bank has the right to open your safe deposit box within 20 days after the end of the lease agreement, if, for example, you forgot about the end date, or even missed the end date for a good reason.

6 The Bank may terminate the agreement of the safe deposit box with you ahead of time and open it if it is necessary to repair/reconstruct the vault, if you have not responded to the bank's proposal to transfer the contents of the safe to another vault.

It is easy to see that the lease agreement for a bank cell of Sberbank does not protect the client in any way, but, on the contrary, protects the bank itself as much as possible.

Let's continue talking about the risks and pitfalls of renting bank cells.

7 The license of the bank where you rented a safe deposit box may be revoked. This, of course, does not mean that in this case you lose all rights to the valuables in the cell of such a bank. The contents of the cells are not the property of the bank. However, you may have difficulty physically entering the vault, as the bank will simply be closed. No one will keep a special employee to provide you with access. In this case, you will need to seek clarification from the DIA on how to access your cell or look for information on the bank's website (if it is still working).

Here is a fresh example, on the bank's website Russian Credit(whose license was revoked on 07/24/2015) there is an announcement that all clients need to come and remove valuables from their cells. Otherwise, the bank will open them in the presence of a commission. True, it's funny that a specific date is not indicated when the cells will be opened:

8 Do not forget that access to a safe deposit box can simply be limited in case of any financial shocks.

As, for example, in 1933, when Roosevelt ordered Americans to sell gold to the state at a fixed low rate, while access to bank cells was carried out only in the presence of a tax official:

9 Your cell can be opened by law enforcement agencies. They may be by mistake. As, for example, in London, the police opened almost 7,000 safe deposit boxes as part of the fight against the mafia:

10 Almost everything Insurance companies refuse to insure the contents of bank cells.

11 Safe deposit boxes are hacked despite the security measures taken by the bank. And here you will not be saved either by additional padlocks (which can be hung on your safe deposit box in some banks, for example, at VTB 24), or special boxes for bank safes, or electronic system access, no cameras, no door thickness, etc.

Moreover, even if you prove in court that the bank did not properly equip the safe deposit box, that there were no video surveillance systems or the procedure for accessing the safe deposit boxes was violated, you will not be able to compensate for the losses. And all because it is impossible to prove how much money was in the cell if there was no agreement with the bank custody agreement.

Here, for example, funds were stolen from the cells of the Investment Bank:

Or, the robbers in the Sovetsky bank robbed 30 bank cells:

And here is the attack on the bank cells of Sberbank:

Or here in London, robbers cleaned 300 cells:

However, this, of course, does not mean that safe deposit boxes are opened every day, that every second client loses something from them, and that the safe deposit boxes cannot be used at all. You just need to have a complete picture of the service provided.

In addition, a safe deposit box is the most popular way to transfer money when making purchase and sale transactions.

Renting a cell for a deal

Let me explain in a nutshell to give an idea of ​​how this happens.

The Seller and the Buyer rent a safe deposit box for a certain period (the term of the transaction, usually 1-2 months) and draw up an access agreement, after which the Buyer deposits money in the safe deposit box. The seller will be able to get into the cell by providing the bank employee with a document (s), which, by agreement of the parties, will be a pass to the vault during the lease period of the cell (this can be, for example, a contract of sale, donation, etc. at the choice of Clients and / or extracts from the house book, and / or extracts from the USRR), except for the last days (usually a week). In the last days, only the Buyer should have access. If the deal does not go through, he will be able to get his money back.

Of course, the procedure for calculating through a bank cell may not go exactly like this, but these are nuances. As a basis, take the option I proposed. Just be aware of the risks:

The Bank is not obliged to evaluate the authenticity of the submitted documents.

It is worth noting that, despite all the risks, transferring money through a safe deposit box is a much more widespread method of settlement than, for example, conducting such a transaction through a letter of credit (i.e. when funds are stored in a separate "letter of credit" account and transferred to the seller upon fulfillment of certain conditions, i.e. when providing, for example, documents on the transfer of ownership”). And this all happens because:

Very few people know what a letter of credit is. In addition, there are not many banks that provide such a service to individuals;

Below we have described the main cases when a safe deposit box can be opened without the knowledge of the owner of the valuables:

• Opening of the cell by law enforcement agencies during investigative actions
• Force majeure
• Storage of prohibited items

The owner did not take the valuables at the expiration of the contract

The human factor is the most common cause of any system failure. We are all not robots and we can forget that we have a cell somewhere and that it contains values ​​that may be very necessary for us. Often, a bank cell lease agreement is concluded for a period of one year. The owner of the valuables writes a reminder on some piece of paper, which he then loses, but the reminder on the phone does not work or the phone itself has already been lost. The opening of the cell due to the absence of the owner for the valuables occurs more often than for any other reason. Bank managers, knowing about the forgetfulness of clients, call the client a week before the end of the lease, send SMS and write letters to e-mail. A typical safe deposit box lease provides for a certain period after the end of the lease term when the bank will not touch your client's belongings, usually from 20-40 days. During this period, banks charge an increased rate or impose penalties for each day of delay. A week before the opening itself, banks notify the client in writing by mail, e-mail and again by phone about the forthcoming act of opening the cell.

What happens if the client, despite all the horror stories from the bank, did not show up for his things. The bank cell lease agreement, and most often the rules to which the agreement refers, provides for the procedure for opening the cell. The autopsy takes place as part of a commission of 3-4 people. Representatives of the safe supplier's organization may be invited to the commission. The commission draws up an inventory of the contents of the cell in several copies. One copy of the inventory is subsequently transferred to the client. The client's property is placed in a special bag for collection, then sealed and transferred to a bank vault for storage, where it is stored for 1 to 3 years, as provided for by the agreement or the bank's rules.

Most likely, the owner will sooner or later remember his values, for example, when he is going to make a significant purchase, the money for which he put aside in a cell. However, the question remains what will happen if the owner does not apply to the bank for his property after the expiration of the storage period for things in the bank vault. Such situations are not described by the bank cell lease agreements. It can be assumed that in the absence of the norms of the agreement, the Bank will act on the basis of the norms Civil Code(GK). A bank cell lease agreement is a type of storage agreement. According to Article 899 of the Civil Code: “If the bailor fails to fulfill his obligation to take back the thing transferred for storage, including when he evades receiving the thing, the bailee shall have the right, unless otherwise provided by the storage agreement, after a written warning of the bailor, independently sell the thing at the price prevailing in the place of storage, and if the value of the thing according to the appraisal exceeds one hundred statutory minimum dimensions wages, sell it at auction in the manner prescribed by Articles 447 - 449 of this Code.

The amount received from the sale of the thing shall be transferred to the bailor minus the amounts due to the bailee, including his expenses for the sale of the thing.

Under these rules, the bank will most likely sell the client's valuables, cover its unpaid commissions and put the proceeds on a demand deposit in the name of the client, of which it will notify him by letter.

Cell opening by law enforcement

The second most likely reason for opening a safe deposit box without the knowledge of the owner is the action of law enforcement agencies. The Code of Criminal Procedure grants the bodies of inquiry the right to search and seize documents. The bodies of inquiry are: police, FSB bodies, bodies tax police, Customs other. The worst news for safe deposit box owners is that their safe deposit boxes can be opened by law enforcement without a court order, since they are not located in residential premises. The resolution on search and seizure is prepared not even by the prosecutor, but by the investigator. At the same time, if the resolution says to search the premises of the bank's vault, all cells of all owners located in this premises can be opened.

For issuing a decision on a search or seizure, it is necessary to have a criminal case. However, a criminal case may not concern you at all, but your safe deposit box may be opened, as part of investigative actions on bank cases or on cases of other bank clients, and as shown below, even on cases that do not concern either the bank or its clients.

The expanses of Runet are filled with stories about the theft of the contents of cells by law enforcement officials. We will not comment on the veracity of these stories. Let us give an example (determination of the Moscow City Court in case No. 33-23319 of 09/02/2010). The bank's client CB MK Bank LLC applied to the court. The client rented a safe deposit box at the bank. The bank vault was located on the territory of the Cherkizovsky market. Investigator "D" of the Main Investigation Department Investigative Committee(GSU SK) a decision was made (verbatim quote) " on the conduct of a search in the premises occupied by a warehouse located on the territory wholesale and retail trade "<...>" by the address:<...>, the central line of the "AST" market, between the outlet<...>along the line"<...>"and outlet<...>along the line"<...>". As can be understood from the materials of the court decision, the bank vault was not lucky enough to be located between the two indicated outlets, it was searched and all the cells in it were opened. After the search, according to him, about 150 thousand dollars were missing from the cell of citizen "Ch". Representatives of the Main Investigative Directorate of the Investigative Committee stated that the cell of citizen "Ch" was empty during the search. The court refused to compensate the damage to citizen "Ch".

Knowing about possible consequences actions of law enforcement agencies, banks include clauses on the limitation of their liability in the cell lease agreements if the violation of their obligations under the agreement was caused by the actions of law enforcement agencies. In some agreements, the actions of law enforcement agencies are equated with force majeure.

We are left to wonder why the legislation left the property of citizens stored in banks, not protected from the actions of law enforcement agencies. It is paradoxical that, according to the same Code of Criminal Procedure, a court decision is needed to seize things pledged or deposited in a pawnshop. It turns out that pawnshops are more effective at protecting our hard-earned wealth than banks.

Opening the cell by the bank in the event of force majeure.

A typical safe deposit box lease agreement states that the bank may open the customer's safe deposit box in case of force majeure circumstances in which the bank cannot fulfill its obligations under the agreement. The main obligation of the bank under the bank cell lease agreement is to ensure the safety of the client's valuables and exclude the possibility of access by unauthorized persons to the client's valuables. If, as a result of natural disasters, your valuables are in danger, the bank can open the cells and transfer your valuables to a safe place. The opening of the bank cell in this case occurs in general order, i.e. with prior written notice to the client, the creation of a commission and the preparation of an inventory. There is a contradiction between the need for urgent action and the duration of the cell opening procedure. Unfortunately, in this situation, the bank will be more interested in fulfilling the formalities than in saving the client's property, since in this way it will protect itself from possible claims from the client. However, we note that a properly equipped storage should exclude the possibility of damage to the client's valuables during a fire and other natural disasters.

Opening the cell when the client keeps prohibited items

According to the lease agreement for a safe deposit box, the bank reserves the right to open the client's safe deposit box when placing items prohibited for storage by the terms of the agreement into the safe deposit box. It is forbidden to store in the cells explosive, toxic, radioactive and other items that threaten the health and property of other citizens, as well as items prohibited for civil circulation: weapons, drugs, etc. The autopsy procedure remains the same, except that law enforcement officers may be involved in the autopsy.

As you can see, the values ​​placed in a bank cell are not absolutely inaccessible to unauthorized persons. There is a dilemma either to store valuables in an apartment where thieves can get to them, or to place valuables in a bank cell where law enforcement agencies will have access to them. The solution to the dilemma may be the choice of a large reliable bank. Legal and security services of large banks are formed by experienced professionals. The task of these specialists is to monitor the legality of law enforcement actions, to warn you if an autopsy is unavoidable, and to control the autopsy procedure itself. Select reliable bank our safe deposit box search tool will help you to rent a safe deposit box.

Opening safes best left to professionals. This will help you save a decent amount of money. In 2019, there was such a situation that a lot of companies appeared that did not specialize in emergency opening of safes. These firms provide services low prices, in their ad the cost of the service opening safes can range from 500 to 1500 thousand rubles.

In fact, a master will come to you, who sees the safe for the first time in his life. He has no idea how to open it and what to do. And he uses a grinder, a drill to open it. After such an opening, the safe becomes unusable. And it's good that your things from the safe will remain safe.

After calling an unqualified master.

The work of our specialists

Our company has been in existence for over 15 years. For such a long time, we have opened almost all types of safes that are on the territory of our country. Having ordered the service "opening safes" in our company, you will be satisfied. We will not only open your safe, but also leave it in working order.

To carry out an emergency opening of the safe, our highly qualified craftsmen will come to you within 30 minutes. And open the safe. We do not work as a grinder and do not cut safes. Masters of the company Zamok sos use expensive equipment to work with safes. Various hooks, endoscopes. In almost 95 percent of cases, after the work of our master, the lock remains in good condition. And if, before the arrival of the master, the lock did not work, then we will carefully open the safe and change the lock to a new one.

Opening safes cost

The price of opening a safe depends on the brand of the safe and the method of opening.

• Without damaging the safe and the lock (The master carefully opens it and makes new keys, or selects a code).

• Damaged safe lock. (After opening, you will need to change the lock if you want to use the safe further)

The cost is discussed by phone.

There are a lot of models of safes, the prices are different everywhere.

Photos of the safe can be sent by mail or WhatsApp, Vaiber

Mail: [email protected]- Specify contact number mobile.

WhatsApp, Vaiber: +7 925-517-16-99!!!

Maintenance of safes and cells

We make urgent opening of vaults, ATMs, bank cells, terminals. Everything is neat, no damage. We have signed a huge number of contracts for service maintenance banks. Below is a list of banks that are our clients.

Privacy is an important aspect of our work

Providing a safe service in Moscow, we guarantee its absolute confidentiality. The high professionalism of our specialists, the skills of opening locks of any type, modern expensive tools allow us to perform such operations quickly and with excellent quality.

The country's banks offer customers not only to open a deposit, take a loan or issue plastic card. In fact, the range of services offered is much more extensive. One of these proposals is the safe storage of jewelry, money, valuable papers. They rent a safe deposit box for registering real estate transactions, for the duration of long trips, and simply for safety important documents.

What is a safe deposit box

The safe can be opened by any legal or individual. It is a box of different sizes, which is located in a special storage. The cell is equipped with two locks, one of which is located at the client, and the second directly at bank employee. In order to open the depository, you must use two keys at the same time. This method of storage increases the reliability of the safe, all the more so you can’t get into the room just like that - you need to go through the security service and verify your identity.

What documents are used to register the use of a safe deposit box in a bank

Any adult can become a user of a bank cell. You must contact the office of the institution and conclude a lease or storage agreement. The document specifies the terms of use, the price of the service, the size of the safe, as well as possible commissions. To draw up an agreement, you need a passport or a document replacing it. In addition, you can open a cell for another person, but this will require a notarized power of attorney.

Lease contract

You can conclude an agreement directly at the office of a financial institution by writing an application and providing a passport. According to the deposit box lease agreement, the bank does not know what you store in the safe. In case of theft, you will not be able to make any claims, as there is no evidence that these things were present in the box. On the other hand, if you need privacy, then renting is the way to go.

Since two keys are needed to open the safe, the worker responsible for operations in the vault accompanies you to the safe and opens the door with his key. After that, you remove the box and stay in the premises yourself, since the presence of a bank employee is prohibited in this case. After you have completed all the transactions, an employee comes and closes the safe deposit box.

Agreement on the storage of material assets

When concluding a storage agreement in without fail an inventory of the items to be kept in the safe is drawn up. For this reason, you can forget about secrecy, since a bank employee will be with you during all visits to the vault and bookmarking or withdrawing valuables in order to check the contents of the cell with the inventory. The advantage of this type of lease is the high responsibility of the institution for the safety of valuables and Money contained in the box.

Use of safe deposit boxes

As already noted, use banking service for storage can be both physical and legal entities by entering into an agreement with the bank. Each tenant is informed about what can be stored in a safe and what is strictly prohibited. Deposit boxes come in different sizes, so you can put a variety of things in them:

• cash;
• precious metals and stones;
• securities;
• jewelry;
• antiques;
• works of art;
• documentation.

In addition, there are a number of restrictions on items that are prohibited from being placed in a box. These are radioactive, flammable, explosive, narcotic substances and liquids, firearms. In addition, it is forbidden to store food, perishable items and items withdrawn from civil circulation in accordance with the law.

Safe deposit box for settlements with real estate

Renting a safe deposit box for a real estate transaction is the most common way to transfer the necessary amount of cash from the buyer to the seller. They jointly conclude an agreement with a financial institution, which stipulates the conditions for access to the depository. In the presence of the seller and the bank employee, the buyer puts the cash in the box. Only after the conclusion of the real estate purchase and sale transaction (there must be a document confirming this), the seller receives the money due to him, thereby excluding possible ways fraud.

Safe boxes for transactions

They open deposit boxes, not only to transfer money for the sold property. This may be the purchase or sale of shares, bills of exchange and other securities. To do this, an agreement is drawn up, which clearly defines the standard conditions for access to the safe for each participant in the operation. This method is often used to transfer large sums of money, since it ensures the security of the transaction, rather than cash payments or transfers.

Rent a safe for storing valuables

If you have family jewels, stones, antiques and other things that you are afraid to keep in the apartment because of the possibility of robbery, then a safe deposit box is the option you need. If it is more profitable to keep money in the account so that they generate income, then the jewelry should be where they will be guaranteed safety.

Conditions for using bank cells

Before you draw up an agreement to open a safe deposit box, it is recommended to choose an institution and clarify which of its branches has such an opportunity. This is due to the fact that specially equipped premises are used for arranging storage places, and not every branch has the technical capabilities to maintain a depository. In addition, it is necessary to clarify the terms of storage and the possibility of prolonging the contract.

Term of use

According to the lease agreement, the minimum period for which a depository can be opened is one day. As for the maximum period for using the storage service, as a rule, there are no restrictions here. It could be years or decades. In addition, a bank safe can be inherited. If the contract was signed for a certain period, then after its expiration it is necessary either to completely empty the contents of the box or to prolong the agreement.

Security deposit when opening a cell

Renting a deposit box in a banking institution is paid service. In addition to this, some financial institutions You may be asked to pay an additional fee in the form of a deposit called a security deposit. It is designed so that "particularly forgetful customers" do not lose sight of the fact that at the end of the contract, it is necessary to return the key or terminate the agreement if the contents of the safe had to be removed ahead of schedule. The deposit itself is returned in full.

Rental of safe deposit boxes

If we turn to existing practice, we can see that the depository is used in two cases:

• for storing any valuables and cash;
• to transfer money during financial transactions.

It is important to know that a safe is not always completely secure. The bank ensures the safety of the contents for the entire rental period, but the box can be scanned with non-destructive devices or opened by court order or after the expiration of the storage period, unless certain circumstances exist.

Individual safe deposit box in a bank

For the most part, a safe deposit box is, first of all, an individual depository. This is a safe that will keep your valuables safe. It is important to bear in mind that even in the event of the bankruptcy of a financial institution, all personal belongings stored in the box will be transferred to its owner in full, even if money was stored there. In addition, not only Russian citizens, but also foreigners have the opportunity to use the service, but for this it is necessary to confirm the legality of their stay on the territory of the Russian Federation.

Rental of a safe deposit box

Some banking organizations offer their customers to use the safe of an automated deposit vault, while concluding an agreement banking services. Access to the premises is carried out with the help of special magnetic cards. By entering a certain pin code, the owner of the safe has the opportunity to receive an armored box through a special issuing terminal. The box itself is opened with a key, and it can be both electronic and mechanical.

Joint rental of a safe deposit box

The lease agreement can be concluded with several clients at the same time (maximum four people). All of them participate in the signing of the agreement, however, access to the depository can be made both as a group and individually. Having a power of attorney for each of the members, the representative can independently draw up a lease agreement. A power of attorney for third parties to access the safe is not provided.

Renting a box by a notary

When making notarial transactions related to inheritance cases, it is proposed to arrange an individual deposit box in the branches of Sberbank and some other financial institutions. To do this, when concluding an agreement, the notary must provide the representative banking organization an identity card, a license to carry out professional activities and an order of the body of justice for appointment to a position.

Privacy and Access Control

According to the banking service agreement, persons specified in the agreement can access the individual safe. In case of force majeure, law enforcement agencies have the right to open the contents of the box, but there must be a resolution for this. When concluding a storage agreement, the bank is responsible for the contents of the box and undertakes to compensate for the loss of property. With a lease agreement, this will not happen, but the client can be completely sure that only he alone will know about everything that is in the safe.

Which banks provide the service

It must be said right away that not all representatives of the banking sector have the opportunity to offer their customers the service of renting a safe. In addition, if the bank has such an opportunity, then you will not always be able to use it, since it is not implemented in all branches. In the table below you can find the conditions for providing the option of ten popular tanks in Moscow: