Tinkoff Bank deposit insurance reimbursement amount. Is the money on the debit card insured? Which accounts are insured and which are not?
In December 2003, Law No. 177-FZ came into force, which regulates the deposit insurance procedure Russian citizens. The main objective of such insurance is the protection of monetary savings.
What is deposit insurance?
Bank deposit insurance is a system that enables individuals to get their money back if a bank goes bankrupt or the institution's license is liquidated. For this purpose, banking institutions are required to pay contributions to the Deposit Insurance Agency (DIA), which, in the event of a default, reimburses depositors.
The maximum amount that the agency can compensate is 1.4 million rubles. This fund acts not only as an insurer, but also as an asset manager.
Does Tinkoff Bank participate in this program?
So, are deposits in Tinkoff still insured? The answer is simple - yes, of course.
Tinkoff Bank is a member of the insurance system. The banking institution became a member of the system on February 24, 2005. Registration number - 696.
And this means that in case of problems with the bank, depositors are guaranteed compensation in the amount of up to 1.4 million rubles.
All client accounts are insured: card account Tinkoff Black, deposits, interest on deposits, savings accounts.
What are the terms of deposit insurance?
Some legal information about deposit insurance in principle.
Individuals can insure cash, which are on bank accounts and contributions, including:
Refused at Tinkoff? Card 100 days without interest from Alfa-Bank -
- urgent, currency deposits, as well as demand deposits;
- operating accounts that are used by individuals to receive wages, pension benefits and scholarships;
- funds that are on the accounts of entrepreneurs (this applies to insured events that occurred after the beginning of 2014);
- funds that are on the accounts of trustees or guardians, for which the beneficiaries are wards;
- finances that are used for settlements under transactions of purchase and sale of property objects for the period of their state registration(this applies to insured events that occurred after April 2015).
The following bank deposits are not subject to insurance:
- deposits for bearers;
- funds that are kept in bank accounts that do not have the status of legal entities;
- funds that are in trust management banking institution;
- deposits issued in foreign branches of banks;
- funds located on electronic accounts, as well as not having bank details;
- accounts that are used to account for precious metals (metals are recorded in grams or ounces).
You can receive insurance payments in the event of termination of the banking institution. Another insured event is the imposition of a moratorium on the bank's obligations.
The insured event occurs on the day the act is issued central bank upon revocation of a license or on the day a moratorium is imposed.
What to do if an insured event occurs?
In case of cancellation of the license or imposition of a moratorium, the agency will pay compensation within 3 working days after presentation required package documentation:
- application form for compensation;
- depositor's passport;
- if the deposit agreement was concluded on the basis of other identity documents, then the information of this document must be indicated.
When the heir of the deposit owner wants to receive compensation, it is required to present documentation that confirms the right of inheritance.
If the documents are submitted by an authorized person, a power of attorney certified by a notary is also provided.
You should contact the nearest office of the successor bank of the obligations of the bankrupt bank.
Applications can be submitted 14 days after insured event. The person who submitted the documentation is issued an extract from the bank register, where the amount of compensation is entered. Funds are paid in cash or transferred to a bank account.
What if the deposit amount exceeds the insured amount?
If a citizen has more than 1.4 million rubles in his account, including accrued interest, then funds in excess of the insured amount can be returned only if bankruptcy proceedings. This is a procedure that satisfies the requirements of creditors and customers through the sale of property and assets of a bankrupt bank. As a rule, this procedure can take up to 2 years and does not guarantee receipt of the entire amount in excess of the insured.
TagsIn early December 2003, the law entered into public circulation, issued under the number No. 177-FZ, which, in essence, was intended to regulate procedures related to deposit insurance for residents of the country.
The fundamental task of this law is to protect the savings of citizens of the Russian Federation.
What is the deposit insurance program?
This is, first of all, a system that enables citizens who have placed their funds in banks to return them back if the bank has ceased operations or its license has been revoked. For this purpose, banking structures undertake to pay a fee to a body called the Deposit Insurance Agency, which in turn, upon the occurrence of adverse conditions, will return the funds to depositors.
The maximum threshold for agency payments is at the level of 1.4 million rubles. It is this organization that acts as both an insurer and a financial manager. assets.
Does Tinkoff Bank participate in this program?
The answer is simple - and it is positive.
Yes, Tinkoff Bank is currently a full member of this deposit insurance program. On February 24, 2005, the banking institution reserved its participation. The registration serial number is 696. This may mean that if there is a problem with this bank, depositors will be compensated for deposits in the amount of up to 1.4 million rubles. guaranteed. Absolutely all accounts and assets in the bank are insured.
Under what conditions are deposits insured?
Here is some legal information regarding general insurance.
Individuals have the right to insure funds placed on deposit and personal accounts, including:
- currency and term deposits, as well as deposits opened until the moment of demand;
- working accounts used by citizens to receive salaries, allowances, scholarships, as well as pension transfers;
- funds placed on business accounts;
- money in custodial accounts, the beneficiaries of which are their wards;
- funds used for settlement transactions under contracts for the sale of objects property rights, for the time being, the procedure for their state registration is being carried out.
The following deposits are not subject to insurance compensation:
- deposits for bearers;
- money placed on bank accounts that do not have the status of a legal entity;
- den. signs in the mode of trust management in the bank of location;
- deposits that the client placed in the branches of this banking structure, but abroad;
- den. funds placed on electronic accounts that do not have specific banking data;
- accounts used to work with the drug. metals.
According to the law, you can become the owner of a guaranteed payment in case of an insured event in the event of a complete cessation of the functioning of the banking structure. There is another case when insurance program begins its work - this is the imposition of a moratorium.
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Credit card | Bank | Max. sum | Rate, from(%)* | Min. requirements | Max. Grace period |
---|---|---|---|---|---|
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100 days Alfa-Bank | 500 000 ₽ Get a card | 11.9 % | Yes | 100 days | |
Tinkoff Platinum | 1 000 000 ₽ Get a card | 12 % | Yes | 365 days | |
freedom | 300 000 ₽ Get a card | 0 % | Yes | 365 days | |
Conscience | 300 000 ₽ Get a card | 0 % | Yes | 365 days | |
Tinkoff All Airlines | 700 000 ₽ Get a card | 15 % | Yes | 55 days | |
Tinkoff All Games | 700 000 ₽ Get a card | 15 % | Yes | 55 days | |
Cash Back Alfa-Bank | 700 000 ₽ Get a card | 25.9 % | Yes | 60 days | |
Crossroads Alfa-Bank | 700 000 ₽ Get a card | 23.9 % | Yes | 60 days | |
Alfa-Travel Alfa-Bank | 500 000 ₽ Get a card | 23.9 % | Yes | 60 days | |
RZD Alfa-Bank | 500 000 ₽ Get a card | 23.9 % | Yes | 60 days | |
Eastern Bank | 300 000 ₽ Get a card | 28 % | Yes | 90 days | |
120 days without interest UBRD | 300 000 ₽ Get a card | 27.5 % | Yes | 120 days | |
Credit Europe Bank | 600 000 ₽ Get a card | 28.5 % | Yes | 55 days | |
Everything is possible Rosbank | 1 000 000 ₽ Get a card | 21.5 % | Yes | 62 days | |
open card opening | 500 000 ₽ Get a card | 19.9 % | Yes | 55 days |
An insured event comes into force from the day the license is revoked or a legislative moratorium is imposed.
What to do in the event of an insured event?
When the bank's license was revoked or the actions covered by the insured event were taken, the insurance agency must compensate within 3 banking days from the moment of presentation of the following documents:
- claim for compensation;
- account holder's passport;
- if you entered into agreements on placing a deposit on another document, then you should also indicate the data from this document.
When the heir of the person who placed the deposit came for the payment of compensation, it is required to present certified acts confirming the right to the inheritance.
In the case of filing documents by authorized persons, you must have a notarized power of attorney in your hands.
After collection required documents contact the nearest office of the bank subject to liquidation. The start of acceptance of documents of the liquidated banking structure in the agency begins 14 days after the insured event has occurred. The person who has submitted the entire list of documents is given an extract from the register of the banking sector, where the amount to be returned appears. Money is given to the client in cash or transferred to a third-party bank account.
What to do if the amount exceeds the insurance indemnity?
In the case when a person had on his account an amount exceeding the mark of 1.4 million rubles, he has to demand the remaining funds not insured by the agency as part of the filing statement of claim to the judicial authority. This claim will be considered in the bankruptcy proceedings. We are now talking about a procedure that can satisfy the requirements of both clients and creditors by selling the property of a bankrupt banking structure. Based on experience, the duration of this procedure can be up to 2 years. However, there is no money back guarantee.
Insurance It's a money back guarantee. AT Everyday life Citizens are increasingly insuring housing, property, health and life. However, a similar procedure can be carried out for bank cards.
Conditions for issuing insurance of funds on a debit card
Debit cards are financial asset citizen, so they can be insured in accordance with the law "On deposit insurance individuals in Russian banks".
Please note that the money back guarantee is given only in those credit institutions that cooperate with the Deposit Insurance Agency.
On the this moment the system covers just under 800 different banks.
Funds insurance for debit card happens automatically. The client does not need to pay additional contributions or commissions. However, many banks offer additional service with paid insurance. It is not related to the DIA, but helps to recover money lost due to fraud.
The amount of funds for insurance on the debit card
In law "About deposit insurance" a citizen can return no more than 1.4 million rubles. Since money is insured immediately on all accounts and cards of one bank, then 1.4 million is maximum amount, which is added up when calculating the funds on all assets that the client can return.
Reasons to insure money on a debit card
Many citizens consider the debit card insurance service to be an intrusive and useless service. However, in fact, this is an effective way to protect yourself and guarantee the safety of funds. Ordinary citizens insure debit cards in case:
- fraudsters will find out the card details and try to withdraw money or make purchases online;
- the debit card will be stolen along with the PIN;
- cardholder data will be forged to withdraw funds through the bank's cash desk;
- money will be transferred to other accounts in connection with any hacker attacks and other actions of scammers.
The reason may be other concerns about the illegal transfer of funds from the card.
In what cases does an insured event occur for the payment of funds?
Refunds can be made directly by the bank if additional anti-fraud insurance was purchased. In such a situation, the insurance must be paid out after the money is illegally withdrawn from the account. In addition, a client can receive money from a debit card if the license is revoked from the bank. In this case, it is necessary to apply for funds at the DIA.
Refund procedure
Refunds are made at the request of the consumer. An application can be submitted to the DIA at the place of residence in person. You also need to have a passport with you. A sample application can be requested from the agency staff. The document must include the details of the accounts and the name of the bank that has lost its license. You will also need to specify the details of the account in another bank, where the money will be returned.
It is advisable to apply for a refund immediately after the selected license is announced. The bank itself must notify customers of this. After submitting the application, the information about the client will be verified, and the funds will be transferred to the bank within 2 weeks. new card client.
In the event that insurance against fraud was purchased, it is worth contacting the bank branch with an application and a passport. Investigation is likely to be required to confirm fraud.
More precisely, only bank employees can tell about the timing of the return of funds, as well as the procedure itself.
Reasons for refusal to pay out funds by the Deposit Insurance Agency
The agency has the right to refuse insurance payments if a citizen does not meet the requirements. The most common reasons for rejection are:
- map open on entity, including IP;
- plastic was issued in a foreign branch of the bank;
- the organization where the client issued the card is not a bank (for example, Kukuruz or Yandex.Money cards);
- the bank is not a member of the DIA.
The money will be paid out only to holders of Russian debit cards. All questions about the return of funds can be asked by number hotline.
Proposals for insuring funds on the card using the example of Sberbank
Sberbank offers customers to insure debit cards under the program "Card Protection". As part of this program, the client can take out insurance for a limit in:
- 60 thousand;
- 120 thousand;
- 250 thousand;
- 350 thousand rubles.
The specified amount will be insured for a year, and 1161-5310 rubles will be deducted from the client, depending on the selected amount. In the event of an insured event, the stolen amount is returned to the client, but not more than the amount of insurance.
For example, a citizen insured a debit card with a limit of 60 thousand rubles. Near the ATM, the owner was robbed, after which 40 thousand rubles were withdrawn from the account. Sberbank will return the amount of 40 thousand to the client. However, if 70 thousand was withdrawn, only 60 thousand will be returned from the insurance payment.
In addition, Sberbank is subject to the general practice of returning funds in case of loss of a license.
Is the money on the Tinkoff debit card insured?
Tinkoff Bank is among the participants state program on the return of deposits, so debit cards are automatically insured. However, the bank itself does not offer additional features self-insurance of funds against fraud.
Question - answer 21.05.16 57 835 0
How does a deposit insurance agency work?
Every second person uses a bank card in Russia. He receives a salary, draws up deposits, conducts entrepreneurial affairs.
Hundreds of banks offer to issue a deposit or a card. Some of them don't play by the rules Central Bank and may lose their license at any time. The court will begin the liquidation of the bank, its property will be sold, and clients will be left alone with the deposit insurance agency.
We tell how it works and to whom the money is returned.
Elena Babushkina
journalist
What is DIA and who controls it?
The Deposit Insurance Agency is a corporation created by the government to service the deposit insurance system. Such "airbags" form the national and large private banks of the majority developed countries. For example, the United States has a federal deposit insurance corporation, India has a deposit insurance and loan guarantee corporation, and Japan has two independent deposit insurance corporations at once.
The deposit insurance system protects private investments in banks. If trouble happens with the bank, the agency returns the insured money to the depositor.
Whose money is insured by DIA?
The deposit insurance system protects the money of individuals, regardless of their citizenship. If you opened a deposit or got a card in a bank that works with the DIA, you can apply for insurance.
DIA insures:
- Term deposits(for any period).
- Money in bank accounts.
- Money for bank cards- personal, salary, student or pension.
- Foreign currency deposits.
- Demand deposits.
- Accounts of individual entrepreneurs.
Still under insurance coverage accounts of guardians or custodians are included, the money on which is officially intended for wards (the bank calls them beneficiaries).
On the special conditions funds are insured on escrow - conditional accounts for settlements on real estate purchase and sale transactions at the time of their registration.
Whose money is not insured by the DIA?
There is a whole list of nuances that do not allow you to use DIA insurance. Your money is not insured if:
- you are a lawyer or a notary, and the account is open for work;
- your deposit is open to the bearer (even if there is a passbook or certificate);
- your money is transferred to the trust management of the bank;
- you keep money in Russian bank but the account was opened abroad;
- money is electronic or lies on a prepaid card;
- funds are placed on nominal, pledge and escrow accounts - except for those indicated above.
Do not fall under insurance protection and depersonalized metal accounts. Everything that is measured in weight units (grams, ounces, etc.) is not insured.
How much money will the DIA return if the bank collapses?
The DIA has a limit of 1.4 million rubles per person and one bank.
If you kept less than 1.4 million rubles in a broken bank, then the DIA will return the entire amount of the deposit to you, including interest.
If you stored more than 1.4 million, you will receive only 1.4 million.
If your spouse has a deposit in the same bank, the DIA will pay each up to 1.4 million rubles.
The amount of insurance payments is 1.4 million rubles for one bank. If you keep money in three banks and the Central Bank took away the licenses from all three, then you will receive up to 1.4 from each.
Will the interest on the deposit be returned?
If your bank's license has been revoked, the deposit insurance agency will return you both the amount of the deposit and the accrued interest. The agency will add to the amount of the deposit the amount that you have earned on interest by the day of the insured event. The license revocation day usually coincides with this date.
What will happen to the deposit in dollars or euros?
The deposit in foreign currency will be returned to you at the exchange rate of the day when the bank's license was revoked. If the ruble depreciates on that day, you will lose some of the money. The DIA will issue the entire amount in rubles.
And if there are several deposits in the bank and the amount is more than 1.4 million?
The agency will return a little from each contribution if their amount exceeds 1.4 million rubles. It will count proportionally: from great contribution- more, from the small - less.
The depositor opened two deposits in one bank with balances of 1.9 million and 900 thousand rubles. The DIA guarantees him 1.4 million rubles of insurance: 950 thousand rubles for the first deposit and 450 thousand rubles for the second.
Will the bank close my loan?
If you have both a deposit and a loan in a broken bank, the DIA will deduct the balance of the debt on the loan and the interest accrued on it from the insurance. The loan will not close automatically, because the law prohibits offsetting obligations. You will service the loan at another bank that the agency chooses.
What will happen to the invoice for buying an apartment?
The amount of compensation under the escrow account agreement opened for a real estate transaction is calculated and paid separately. The amount of insurance will be maximum if the account had no more than 10 million rubles. Deposits, money on cards and everything else are not deducted from this amount.
Will it happen that I am not in the register of depositors?
If there is a suspicion that your bank is unreliable, make it a rule to keep all contracts, statements and other banking documents- up to checks from an ATM. If the agency refuses to include you in the register of contributors backdating, all of which will come in handy in court.
How to get insurance?
Within seven days after the revocation of the license, the DIA will determine the list of agent banks that will pay you insurance. Addresses, passwords and appearances will appear on the doors of the failed bank and on the agency's website. The agent bank will accept a written application from you, issue an extract from the register of depositors and put it in the queue.
Applications for reimbursement on deposits: for individuals, individual entrepreneurs, on escrow accounts and in case the bank kept more than 1.4 million rubles
If you are far away, the application can be sent by mail: the recipient will be the DIA, and the signature on the application must be certified by a notary.
In February, the agency decided to experiment and allowed the depositors of Interkommerts Bank to apply through mobile app. It may soon become common practice.
The amount of insurance due to you is paid by the agent bank in cash or to a special bank account. The method of payment must be indicated in the application. Individual entrepreneurs receive money only on the current account.
How long will it take?
Since the bank bankruptcy procedure lasts about two years, you can apply for a refund within a year or more. By law, payments to depositors begin 14 days after the occurrence of an insured event and continue until the court bankrupts the bank. After accepting your application, the DIA is obliged to pay out the insurance within 3 days.
Where does DIA get the money from?
DIA always has money to pay depositors. The deposit insurance system takes money from the fund compulsory insurance deposits. The money comes from three sources:
Bank insurance premiums. Banks accepting deposits pay DIA insurance contributions. At the time of writing, there are 830 such banks. Every three months they transfer to the fund 0.1 percent of the amount of all insured deposits that the bank keeps. If a bank holds a billion, it pays a million rubles. And starting from July will pay
1.2 million.
Credits of the Central Bank of Russia. When the insurance fund runs out of money, the DIA takes a loan from the Bank of Russia. The agency's board of directors recently approved a third loan for 170 billion rubles. There is never less than 10 billion rubles in the fund.
Profit from investments. DIA invests funds insurance fund to state securities, Central Bank deposits, stocks and bonds Russian companies. The agency directs profits to cover its own expenses, and at the expense of the surplus it can replenish the fund.
How to check that the bank is working with the DIA?
Typically, banks report that their deposits are insured, and the DIA monitors the format of these messages. Agency nameplate can be found on contract forms bank deposit or accounts, and also on the bank's website.
The agency is obliged to maintain a register of participants in the insurance system, therefore, it updates the lists of banks on its own website daily. Each participating bank in this list has its own card. Make sure that it is in place - in the "List of banks participating in the CER" section. In extreme cases, you can use the DIA hotline.
Joint-stock company"Tinkoff Bank"
Bank registry number: 696
Full name of the bank: Joint Stock Company "Tinkoff Bank"
Location of the bank: 123060, Moscow, 1st Volokolamsky passage, 10, building 1
Main bank registration number: 1027739642281
Registration number of the bank according to the State Registration Book credit institutions: 2673
Date of inclusion of the bank in the register: 24.02.2005
If a bank that cooperates with the DIA has its license revoked, its card is moved to the "Insured events" section.
Interkommerts Design Bureau (LLC)
Bank registry number: 728
Full name of the bank: Commercial Bank"INTERKOMMMERTS" (limited liability company)
Location of the bank: 119435, Moscow, Bolshoi Savvinsky lane, 2-4-6, building 10
Main bank registration number: 1037700024581
Registration number of the bank according to the Book of State Registration of Credit Institutions: 1657
Date of inclusion of the bank in the register: 03.03.2005
Insurance indemnity is being paid
So in the end, is my money protected or not?
If the bank actually exists, honestly cooperates with the DIA and issued you a bank deposit agreement, your 1.4 million rubles are insured and will be returned. Keep checks, statements and peace of mind.
conclusions
- Ordinary deposits, money on cards, individual entrepreneur accounts - all this is insured.
- If the bank bursts, the DIA will return up to 1.4 million rubles.
- If the bank seems unreliable to you, do not keep more than 1.4 million rubles in it. Read the article;
- Contracts, statements, checks from ATMs - all this is better to keep. Especially if you contacted an unreliable bank.
- To get insurance, you need to get an extract from the register of depositors and submit an application. When the agent bank accepts the application, it will have three days to pay out.
Deposit insurance bank Tinkoff- an important sign of trustworthiness. The institution takes care of the safety of its clients' funds, therefore it participates in state system insurance. As the reviews of cardholders of banks whose license was taken away show, insurance is the only way to get their money back.
The legislation of the Russian Federation provides that each bank has the right to participate in a special program that provides for deposit insurance. Since December 2003, Law No. 177-FZ has been in force, which regulates the procedure for insuring deposits of Russian citizens. Its main task is to protect monetary savings. For this purpose, banks undertake to make contributions to the Deposit Insurance Agency (DIA), which, in the event of liquidation of the institution, reimburses depositors.
Are Tinkoff deposits insured? Yes. The Bank is a member of the system primarily in order to become more attractive in the eyes of depositors. Insured events according to the system are bankruptcy, a moratorium on operations and revocation of a license. Payments are guaranteed by the bank and the state. An insured event occurs on the day the Central Bank issues an act to revoke a license or on the day a moratorium is imposed on Bank operations.
Expert advice
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Deposit insurance is the only way to return money in case of bank liquidation.
The only caveat is that Tinkoff, like other institutions, insures deposits that do not exceed 1.4 million rubles. If the amount of funds is higher than the specified figure, it is better to break the deposit into parts and place them in several banks participating in the insurance program.
Expert advice
Ask a Question
Far from every financial institution participates in insurance, and this is a sign of unreliability. Check the statutory documentation before placing a contribution.
Terms of deposit insurance
To begin with, it is worthwhile to figure out which deposits are generally subject to insurance:
- Term deposits in foreign currency.
- Scholarship, pension and salary operating accounts.
- Accounts of trustees or guardians, if the beneficiary is a ward.
- Accounts that are used for settlements under transactions for the sale of property objects at the time of their state registration, and are kept until demand.
- Business accounts.
The following deposits are not subject to insurance:
- Means for bearers.
- Money held in trust by a bank.
- Deposits made in foreign branches.
- Funds in electronic accounts.
- Money in accounts that do not have bank details.
- Accounts used to account for precious metals.
Carefully study the terms of the contract to find out if your money will be insured.
Savings accounts in banks are a symbiosis of a current account and a deposit. The funds placed on them are also insured.
What deposits in Tinkoff are insured?
General rules deposit insurance impose restrictions on the type of deposit and limits. Deposits are subject to Tinkoff insurance, the amount of which does not exceed 1.4 million rubles, as well as its equivalents in dollars and euros (about 22,600 dollars, 19,000 euros, if the exchange rate of the Central Bank of the Russian Federation is 61 and 73 rubles).
The rule applies to all deposits placed in one bank. If you have 2 Tinkoff deposits of 1,400,000 each, only one is insured, and you will receive compensation for it only.
Since Tinkoff is part of the insurance system, compensation can be received for the following types of accounts for individuals:
- Estimated.
- Card.
- Credit.
- Deposit.
- Entrepreneurial.
On the credit account Tinkoff insures personal funds, that is, those that are over credit limit. Debit cards (Black, Junior, Drive) and savings account are also insured.
How to get insurance payments?
If an insured event occurs, in order to receive compensation, you must:
- On the official website of Tinkoff or the Central Bank of the Russian Federation, find information about the successor bank. Information is posted after the official closing of the bank no later than one week later.
- Fill out an online application for compensation, where you indicate all the information about the deposit: account number, deposit currency, total amount.
- Within 2 weeks, an application for damages is considered.
Funds are transferred to the current account specified in the application within 3 days after the approval of the application. A debit card will do. If the details are not specified, the receiving bank will automatically open an account with itself and transfer the insurance to it.
When an insured event occurs, you need to look for news on payments on the DIA website
An insured event occurred - what to do?
If a moratorium is imposed on the bank's operations, or the license is completely revoked, you need to collect a package of documents:
- The passport.
- Completed claim form for reimbursement.
- Other identity documents, if the deposit was made using them.
Ask a Question
If the heir receives compensation, it is necessary to provide a document that confirms the fact of inheritance. If the insurance is received by an authorized person, it is necessary to issue a power of attorney at the notary.
A citizen who files an application for compensation is issued an extract from the bank register, which indicates the amount of compensation. Money can not only be transferred to a bank account, but also issued in cash.
The deposit amount exceeds the insured amount, what should I do?
The insurance system provides compensation for deposits, the amount of which does not exceed 1.4 million rubles. If the amount is greater, you can count on full compensation only through bankruptcy proceedings. Its essence lies in the fact that the property of a bankrupt bank is sold, and debts are returned at the expense of the proceeds. The process can take up to 2 years, and it is not a fact that all depositors will fully return the money.