Insured event on bank deposits. Deposit insurance for individuals - how the state system works, list of banks and amount to be reimbursed. Are deposits certified by savings certificates insured?

In 2019, compensation for Sberbank deposits made during the existence of the USSR continues. Return of deposits in this company is carried out provided that the account was opened before 06/20/1991 and was valid on this date.

general information

IN federal budget For the current year, Russia has again planned such an expense item as payments to Soviet investors. Such payments are also called “Compensation Deposit” in Sberbank.

In other words, this is not a separate offer that can be issued at a bank branch, but simply receiving a refund for Soviet, previously closed savings accounts. The following categories of clients are entitled to receive compensation.

• depositors born before 1991;
• heirs of clients born before 1991;
• heirs or individuals who paid for funeral services in the event of the death of the investor in 2001-2018. In this case they are paid sum of money in the amount of 6,000 rubles (if the account had 400 rubles or more as of 1991), or multiplied by 15 if the amount was less than 400 rubles.

If you have lost your savings book, but there were deposits: you may be issued a duplicate of your Savings Book. A duplicate is issued depending on the balance of funds on the deposit at the time of the client’s request:
- if the balance is 200 thousand rubles. and more (for a Moscow bank - 500 thousand rubles) or the equivalent in foreign currency, then duplicate savings book can only be issued at the Bank’s office at the place where the deposit was opened;
- if the deposit account balance is less than 200 thousand rubles. (for the Moscow Bank less than 500 thousand rubles), then a duplicate of the savings book can be issued at the Bank’s office as part of the “Green Street” service on the territory of the TB where the account is opened.

How is the compensation amount calculated?

Please note that if the bank's license is revoked, you can be guaranteed to receive an amount not exceeding 1.4 million rubles; larger investments will be gradually returned to account holders during the sale of the banking organization's assets.

Interest can also be added to the directly invested deposit amount if it was calculated by adding it to the account balance, i.e. through capitalization.

One of the most reliable investment options is to place your savings on. The investor initially knows the amount of profit he will receive. It is very important to do right choice and entrust your money to a reliable and stable institution.

In Russian financial market attracting contributions individuals Hundreds of banking institutions are involved.

Not all of them have the necessary level of liquidity, so they may have problems returning funds to their clients.

DIA

To ensure that the interests of depositors are maximally protected, the Deposit Insurance Agency (DIA) was founded in January 2004.

Banks in mandatory make contributions depending on the amount of attracted deposits. If financial institution license is revoked or the bank is declared insolvent, the DIA reimburses funds to depositors.

The client can receive compensation within two weeks from the moment the occurrence of the insured event was recorded.

Who provides guarantees for insurance of deposits in banks and what kind? Answers in this video:

Will interest on deposits be returned if the amount is more than 1,400,000?

In 2017-2018, the amount of payment from the DIA per person is 1.4 million rubles.

This amount also includes interest that will be accrued at the end of the contract. But this rule applies to deposits opened in one organization.

Features of deposit insurance for individuals - see.

For example, a client has a deposit in the amount of 1.5 million rubles in one bank, and in another – in the amount of 1 million rubles. The insured amount will be 2.4 million Russian rubles: 1.4 million for the first deposit and 1 million rubles for the second.

Which deposits are subject to reimbursement, see.

Is it worth opening all deposits in one bank and what are the dangers?

There is no need to open a deposit in one bank for an amount exceeding 1.4 million rubles.

If your savings are more than 1.4 million, then you need to do the following: open deposits in several banks. If you trust only one organization, then make deposits for your family members as well.

For deposits in foreign currency, insurance is paid in rubles at the Central Bank exchange rate on the date of license revocation.

Which deposits are not subject to compensation?

The DIA pays compensation for all accounts in national and foreign currency issued by individuals and private entrepreneurs.

The list of uninsured deposits includes:

• Deposits certified by a bearer certificate or passbook;
• Accounts opened by notaries and lawyers for the purpose of carrying out their professional activities;
• Deposits opened in subsidiaries of Russian financial institutions in other countries;
• Funds that were previously transferred to the management of a private bank;
• Savings stored in metal impersonal accounts;
• Money in virtual wallets.

Thus, you can open any deposit in a bank, regardless of the term and currency. According to them, the client is guaranteed to receive insurance.

Procedure for payment of compensation

An insured event occurs in two cases: or the Central Bank to satisfy the claims of the creditor of a given financial institution.

The client can apply to receive his savings two weeks after the insured event is recorded.

The payment of funds is handled by the agent bank, which is selected on a competitive basis.

All information necessary for clients is indicated on the DIA website or provided on its hotline.

To receive funds, you only need to provide two documents:

1. Application of the established form (an example can be viewed on the DIA website).
2. Client's passport.

If the depositor’s heirs apply for payment of the deposit, then additional documents will be required confirming his right to inheritance.

Cash are paid to the client in cash at the cash desk or can be transferred to the details specified by him.

Where to invest the money received

After the client has received insurance compensation, he can use the money at his own discretion.

If necessary, purchase goods or pay for services, or place a new deposit.

But you need to take your choice of bank more seriously. Unnecessary problems no one needs them to receive their own money.

When choosing a banking institution, pay attention to the following indicators:

1. Reliability and stability of the financial institution. Study bank ratings and read expert opinions.
2. How long has this bank been operating on the Russian market?
3. Is he a participant in the deposit insurance system?
4. The proximity of the bank branch to your home. It's not entirely safe to travel with a large amount money across the city.
5. Conditions for placing a deposit. Don't chase the maximum interest rates. They are offered by banks that have liquidity problems. At the expense of depositors' money, they are trying to improve their financial condition.

Trust your savings to large banks that are in the TOP 20. They will not offer the highest rate on the market, but they will fulfill their obligations in a timely manner.

What happens to a bank that is deprived of its license

The further fate of the bank depends on its role in the financial market.

Large systemic banks can count on the support of the Central Bank. They will be provided with financial assistance. The matter will not come to the point of deprivation of the license.

A temporary administration is introduced, which manages the bank until its solvency is restored.

How does reimbursement of deposits occur when insured event? Answers in this video:

Small regional banks after the license is revoked, they will be forced to cease to exist.

But first, compensation must be paid to all depositors. Next comes the sale of bank property and liquidation of the institution.

Conclusion

Based on the above material, the following conclusion can be drawn.

Deposit is profitable investment your savings.

The risks of its non-repayment are practically equal to zero, since all deposits are Russian banks insured.

The main thing is not to open a deposit in excess of 1.4 million rubles in one bank.

An important issue for every investor today is the insurance of their deposit. Before investing money, you need to know what amount is subject to insurance, under what conditions, what cases are considered insured, etc. In order not to fall for cheap promises, you need to trust your savings only to trusted banks.

It is also important to take into account that all deposits opened since 2003 in Russian banks are mandatory insured by the deposit insurance system (DIS). A list of banks participating in this system can be found on the official website.

Dear readers! The article talks about typical solutions legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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In case of emergency, the insurance amount on deposits is paid by a special Fund, which assumes the responsibility for processing debt obligations on deposits and subsequent work with the bankrupt. As a result, investors are returned their money in full.

The essence of guarantees

The modern deposit insurance system is an integral part financial insurance. This is a type of guarantee conditioned by monetary and currency changes.

Such insurance is directly related to lending. It was introduced with the aim of increasing depositor confidence in banks. Such insurance makes it possible to protect his interests in the event of insured events.

Investors' money is the basis of working capital bank funds. Although the basis of banks' profits is lending, deposits are equally important to their operations.

It is depositors who enable banks to carry out large-scale lending. Therefore, banks are primarily interested in attracting investors' funds, but to do this they need to have an excellent reputation.

Today, depository insurance is the optimal guarantee system. It is used to protect the financial interests of investors. It guarantees compensation of the deposit after recognition of the insured event.

The principle of the insurance is that banks pay contributions to a special Fund for depositors, and in case of default it makes payments to depositors.

Individual deposit insurance is today a mandatory condition for a bank to obtain a license

Main questions

The depositor has the right to compensation for the deposit from the moment of the occurrence of one of the insured events.

Payment cases

Insurance incidents subject to compensation for deposits include the following circumstances:

• the bank's license to operate was revoked;
• moratorium by the Central Bank on satisfying the demands of bank clients.

On May 14, 2015, G. Gref made a proposal to change the legislation in order to limit multiple payments of insurance compensation on deposits.

The following methods of restrictions are proposed:

• insurance compensation is paid one-time;
• sum of all compensation payments the depositor for the entire history of his cooperation with banks is limited 3,000,000 rub.;
• pay insurance compensation Once every 5 years.

But such innovations contradict the Constitution of the Russian Federation, since they limit the rights of citizens regarding investment.

Mandatory share

The DIA regulates the insurance process on the part of banks. The deposit amount subject to compulsory insurance is not prescribed by law. When choosing it, they proceed from the restrictions established by insurance payments. The law provides only for the types of deposits that can be insured.

Since December 2019, the government had to increase the amount of deposit insurance due to the depreciation of the ruble. Before maximum amount deposit subject to insurance was 700 rub. And for today - 1,4 000 000 .

In this range they are carried out insurance payments in the event of a legally prescribed incident. If the depositor has even several deposits in one bank, the compensation will not exceed 1.4 00 000 rub..

Order

With the question of how to receive compensation for deposits, a citizen has the right to contact the DIA or agent bank (if appointed) from the moment the insurance incident occurs until the completion of the bankruptcy procedure. When the Central Bank introduces a moratorium on payments to creditors - until the day of its completion.

The procedure for receiving compensation involves the following actions:

• filling out the application form (for the amount up to 700,000 rub. in the event of an insured incident occurring before December 29, 2014, otherwise – for an amount not exceeding RUB 1,400,000);
• filling out a claim for the same amount;
• provision of an identification document with which an account was opened at the bank (you can provide them in person, or you can send them by mail).

Payment of compensation for deposits (in accordance with the register of banking obligations to clients) is made by the DIA within three days from the date of provision by the depositor required package documents, but only after 14 days after the occurrence of an insured incident.

The Agency notifies depositors about the time, place, procedure and form for accepting applications from the Bank through publication in the “Bulletin of the Bank of Russia” and printed edition at the location of the bank.

After the investor has submitted to the Agency Required documents, he receives an extract from the register of the bank's obligations to investors, which indicates the amount of compensation.

Applications from depositors can be accepted and compensation paid by the DIA through agent banks (on its behalf and at its expense).

Instructions regarding insurance amounts on deposits

• Today all bank deposits are subject to insurance. In the event of an insured incident, they must be compensated within the limits 700,000 rubles. The insurance covers not only insurance amount, but also on interest on the deposit.
• The DIA insures deposits without the participation of the depositor.
• Before placing a deposit with a bank, it is important to clarify whether it has a valid license from the Central Bank of the Russian Federation and whether it is a participant in the CSV. Today many structures offer high stakes on deposits, posing as bank deposits.
• Deposits in different branches are considered deposits of the same bank. Reimbursable within RUB 700,000. In the event of termination of the license of several banks where the depositor has deposited money, the DIA will compensate losses within the limits RUB 700,000. proportional to the size of deposits.
• If a bank’s license is revoked, you need to wait until the Agency selects an agent bank, which will be entrusted with paying compensation, and then submit an application there demanding compensation. It can be sent to the DIA by mail. If the payment amount exceeds 1000 rub., you will need to have your signature notarized.
• All the individual’s money in accounts and within the framework of demand deposits and time deposits are reimbursed under insurance. Investors can return own funds located in current accounts used for budget payments (salaries, pensions, scholarships). According to the new legislation, from 01.01. In 2019, the opportunity to return their deposits also became available to individual entrepreneurs, with the exception of notaries and lawyers.
• Funds are issued in cash or transferred to a specified account. Payments are made within 1-1.5 years until the completion of the insolvency proceedings. The excitement is usually observed in the first months.

The deposit insurance system does not apply to:

• savings certificates;
• money given in trust to the bank;
• funds in metal accounts (unidentified);
• electronic money;
• deposits placed in foreign branches of Russian banks.

Important! In case of placing a deposit over 700,000 rub., it is better to invest it in different banks - there are more guarantees for receiving compensation.

Fixed sizes

The law provides for the following restrictions on insurance compensation:

• if the amount does not exceed 1.4 million rubles., paid 100% from the deposit;
• when a depositor has several deposits in one bank, an amount proportional to the size of each is compensated (no more than 1.4 million rubles.);
• money in escrow accounts (for real estate transactions) is compensated in the amount 100% from the amount that was in the account at the time of the insured event (if it does not exceed 10,000,000 rub.). Reimbursement for these accounts is carried out separately.

When a depositor has deposits in different banks, each one is subject to compensation separately

Foreign currency deposits are converted upon compensation at the rate of the Central Bank of Russia. Interest on deposits is not compensated, with the exception of deposits with capitalization, for which (capitalized interest) is added to the amount of compensation in excess of the payment. They are calculated before the corresponding decision of the DIA comes into force.

For many of us, one of the most reliable ways to save and increase our savings is to open a deposit account at a bank. Indeed, the funds are securely stored in the bank, and interest is accrued on them. But in any case, the client has a certain risk of losing his money for the reason that the financial institution may lose its license, fail to withstand fierce competition in the financial market and go bankrupt. In order for depositors to have greater confidence in the bank and not be afraid of losing their money, a service is available to them compulsory insurance deposits, that is, upon the occurrence of an insured event, losses are returned to the insured person.

What it is

For banks, it is most important to replenish the list of deposit clients, because mainly profit financial organization is formed from issued loans, for the issuance of which money invested by clients is used. And deposit insurance is a guarantee for the client, just like loan insurance for the bank, that is, it is an integral part of the whole financial system generally.

In our country, depositors are skeptical about bank deposits, because due to the unstable economic situation in the country, default or currency denomination and other changes may occur. As happened in our country after the collapse Soviet Union. But the government of our state has found a real way out of the situation - this is the introduction of a deposit insurance system.

The deposit insurance system is mandatory conditions for all banks, that is, if a bank accepts deposits from the public, then its participation in the system is mandatory, which is regulated at the legislative level.

This measure was adopted back in December 2003. The essence of this resolution is that citizens will receive their money if the bank ceases its activities, despite the fact that payments will be made at the expense of public funds even before the liquidation of the enterprise.

Payment amount

So, if a bank does not participate in the deposit insurance system, then it will not be able to obtain a license, and the Deposit Insurance Agency (abbreviated DIA) is responsible for regulating the insurance of deposit accounts.

How much is deposit insurance calculated for? The amount is not established by law. That is, in fact, upon the occurrence of an insured event, the client is guaranteed to receive the amount that the bank must pay under the agreement on the day when its activities cease.

But according to the law, the maximum amount of deposit insurance is currently 1 million 400 thousand rubles. Even if one client has several deposits open in the bank, the total maximum amount will be 1 million 400 thousand rubles.

Insurance scheme

Many depositors do not know that their deposit account is insured, and only think about compensation when an insured event occurs. After all, the client does not sign any contracts or additional agreements at the bank and does not pay for insurance. Regulates deposit insurance government agency DIA, therefore all banks with deposit accounts pay it 0.1% of the total amount of all deposits every three months.

Deposit insurance scheme

Deposit insurance payments begin the next day after the insured event occurs. These include a moratorium imposed by the Central Bank, revocation of a license, and bankruptcy. Payments begin immediately, without waiting for the company to be liquidated. How is the insurance amount calculated for deposits:

• the amount of the deposit with accrued interest is subject to return until the day the bank ceases to operate;
• if several deposits are open, then each of them is subject to reimbursement, but the total amount should not exceed the established limit;
• if the depositor has savings of more than 1.4 million rubles, then it is wiser to disperse it in different banks, because each of them will have a maximum amount of payments upon the occurrence of an insured event;
• if the client has a deposit and a loan in the same bank, upon liquidation of the bank he will receive only the difference, that is, the deposit minus the loan;

How to receive payment upon the occurrence of an insured event: procedure and deadlines

Today, thanks to the funds mass media, finding out that a bank’s license has been revoked is not a problem. But for your own peace of mind, you can go to the official website of the DIA and check the list of banks that are in the process of liquidation. If the bank is on the list, then the agency will begin making payments no earlier than in two weeks.

But the investor needs to act independently; first, on the website, open the link with the name of the financial institution and Under the table, find the line “Subscribe to news.” Enter your address Email and wait for the letter, because the agency sends out letters with the start date of insurance payments. In this letter you will find a list of agent banks to which you can contact with documents. You only need your passport and application. The application review period is 3 days; after this period, the funds will be transferred to the applicant’s personal account in any bank.

How to subscribe to DIA news

If the depositor does not agree with the payment amount, he can contact the DIA directly with a statement; it will be considered after 10 days.

So, we have looked at what is the amount of deposit insurance? The DIA pays 100%, provided that the deposit does not exceed 1.4 million rubles. But still, you shouldn’t take risks and contact only reliable banks that have been proven over the years. By the way, any potential client can go to the agency’s website and check whether the selected bank is on the list of participants in the insurance system, so as not to make a mistake with their choice.

The situation in the country is unstable, even large banks are in a difficult, risky situation. If systemically important credit institutions Central bank will try to save, then “simple” banks may lose their license if problems arise. There are mechanisms that allow the average investor to compensate for the damage. Let's look at how deposit insurance is paid out, how to receive compensation and how the receipt process occurs.

Who compensates

Compensation is handled by a specially formed Deposit Insurance Agency (DIA). The agency regulates the state support in 2003, the Deposit Insurance System (DIS), uniting hundreds of institutions in the country.

Fact! Almost all credit institutions are participants in the insurance system. But there are exceptions. Some institutions imitate banking institutions, accepting deposits at similar interest rates. You can check this fact by asking about the availability of current banking license. It is better to check the fact of participation in the insurance program on the DIA website. There is a list of all banking institutions included in the system. If you find yours there, you are safe.

Depositors do not participate in the deposit insurance system; the system is provided by bank investments. Every 3 months, credit institutions contribute 0.1 of the total deposits available in depositors’ accounts into a single fund, used in emergency situations to pay compensation in the appropriate amount.

Important! Although banks do not directly profit from deposits, deposits allow the bank to increase its funds, maximizing its attractiveness to lenders/investors and earning more profit on loans. Consequently, credit institutions are interested in participating in CERs.

When is it paid?

Insurance is paid to deposit holders when an insurance situation occurs. An insurance situation is considered to be the revocation of a banking license, in fact, the termination of the institution’s activities. There are a number of reasons for revocation of a license, the most straightforward being bankruptcy. The bank may be deprived of its license due to violations, illegal transactions and other reasons. Central bank Russian Federation may impose a moratorium on meeting customer demands.

You can find out about license revocation in a number of different ways:

• news - major media always write about reviews in economic news departments;
• bank website - the fact that a bank stops working does not mean that its website stops working;
• The DIA website is the most reliable option, regularly replenished by banks subject to imminent closure;
• letter – upon revocation of a license, credit institution is obliged to contact depositors, warning them of further actions.

How much is reimbursed?

Reimbursement for deposits is carried out in the full amount of the deposit, provided that it does not exceed the insured amount. If it exceeds, a payment is made within the limits of the insurance limit compensation, the remaining part of the bank deposit is burned.

The traditional maximum compensation limit has long been the amount of 700,000 rubles, but the decrease in value national currency after the events of 2014, it became necessary to bring the amount of compensation to modern realities, doubling it.

Fact! This is not the first change in the amount of deposit compensation. Until 2006, it was 100 thousand rubles, then it grew to 190 thousand rubles, then to 400 thousand rubles, receiving the longest form of 700 thousand rubles in 2008.

Separate rules apply to escrow accounts focused on real estate trading. For escrow, compensation increases several times, up to 10 million rubles due to the specifics of the market.

Important! For a long time, the compensation paid extended exclusively to individual depositors. Now legal entities/individual entrepreneurs (with the exception of lawyers/lawyers, for them there are separate rules) also claim compensation, without the risk of complete burning of money, as was previously the case. The amounts of payments do not differ from those of individuals, which is a comparative disadvantage - the operation is carried out by a legal entity large sums, with great risks.

Limitation

A number of investments are not reimbursed, despite the formal attitude towards bank deposits. Funds that are not subject to reimbursement in any amount include:

• electronic money;
• savings type of certificates;
• money located at the time of revocation of the license in trust management at a credit institution;
• funds placed on impersonal metal accounts;
• money held in deposit accounts of foreign branches of domestic banks.

The remaining deposits and capitalized interest on accounts are subject to return within the framework of insurance payments without restrictions/exceptions.

Important! The above amounts of compensation do not apply to one deposit, but to the amount of deposits owned by one depositor in one banking institution. If the amount of deposits upon revocation of a license exceeds 1,400,000 rubles, this amount will be paid, no more. A smart move would be to spread the funds across different banks. Deposits from different banks are not summed up - a similar bill was briefly considered, and at the time of writing this material the law had not been adopted.

Refund Process

Reimbursement is obtained in a few simple steps, carried out in order:

1. The depositor, his heir or representative contacts the DIA or the designated agent bank responsible for conducting operations instead of the bank whose license is revoked. The appeal occurs within the period between the occurrence of the insured event and the completion of the bankruptcy procedure/completion of the imposed moratorium. The bankruptcy process is long, it can last a year, so you shouldn’t rush too much. If there are valid reasons specified by law, a citizen can apply later. The heir applies from the moment he receives a document confirming the legitimate right to inheritance.
2. To find out where, when and how applications will be accepted, you need to visit the official website of the DIA, read the information in the “Bulletin of the Bank of Russia” or the printed publication at the location of the bank that lost its license. This information will also be contained in the registered letter sent to the investor.
3. When applying, the client submits an application in the form approved by the DIA and identification documents/right to inheritance. When receiving the amount of compensation by power of attorney, a notarized power of attorney is additionally presented, authorizing the owner to operate with deposits from the citizen who issued the power of attorney.

Fact! Both personal delivery of documents and sending them by mail are acceptable. If it was on the account minimum amount up to 1000 rubles, compensation is possible without notarization signatures, if the amount is higher, notarization will be required.

Payment procedure

After successfully submitting an application, the bank client has the right to receive payment within the terms and conditions established by law.

Fact! Payment of compensation is carried out by the DIA within 3 days after the provision of the above documents, no earlier than 2 weeks from the date of occurrence of the insured event.

First, the citizen is given only an extract from the register of bank liabilities indicating the amount that should be reimbursed to him. There are subtleties. For example, if a citizen had a loan from a bank along with a deposit, the amount owed on the loan is subtracted from the amount of the available deposit. Only the difference is handed out. Thus, the citizen pays off the existing debt to the bank.

After a month has passed from the date of receipt of the DIA from the bank of the register of obligations to depositors, information is individually sent to the depositor regarding the data contained in the register.

Reimbursement is carried out in a way convenient for the depositor - in cash at the agent bank or by transfer to the bank account indicated by the depositor in the application (optional).

Fact! Refund individual entrepreneurs carried out only to the account for maintenance entrepreneurial activity, opened in another bank.

Frequently performs procedures DIA compensation personally, and even more often, an agent bank is appointed to conduct business on behalf of the DIA and the bank whose license is revoked.

Disagreement with the amount paid

In most cases, no problems arise, but it happens that the depositor does not agree with the amount of compensation for the deposit and believes that an error has occurred. In this case, the investor submits additional documents to the agency confirming the validity of his claims. Documents are reviewed within 10 days from the date of receipt. When the amount of the bank's liabilities is agreed on the basis of adjustments and additional documents, the DIA pays the citizen the missing compensation in the amount established as a result of this agreement.

Loans

Deposits, according to the CER, are reimbursed, loans, according to the law, are not burned, but remain with the citizen. As stated earlier, the loan is deducted from the deposit, but sometimes this is not enough. In this case credit obligations go to the bank that will be indicated to the DIA citizen. The terms of the loan do not change, the amount of debt does not change, only the bank with which the citizen cooperates changes. He may be asked to re-sign the insurance contract in accordance with the new conditions, but this is optional; the citizen has the right not to do this.

Let's sum it up

The process of obtaining insurance compensation for deposits is simple and straightforward. In most cases, it will be even simpler than indicated in this material. You will receive a letter with detailed instructions, date, time of reimbursement, come to the specified address, fill out the papers specified by the employees, after which you will receive the money in cash/bank transfer. Any difficulties are clarified with the DIA and agent banks responsible for compensation. Take your time - you can postpone within fairly large limits. The funds invested on the deposit will not be lost, the reimbursement system works reliably.

You can find out more information on the topic in question by watching the video below: