How to get compensation for deposits

The legislation provides a special deposit protection mechanism - an insurance system or deposit guaranteeing system. In accordance with it, deposits are subject to insurance upon the occurrence of an insured event, for example, bank bankruptcy or license revocation by the Central Bank. From the Deposit Guarantee Fund, compensation is paid in the shortest possible time.

Compensation to the funds of Sberbank of Russia are subject to contributions that were posted and active until June 20, 1991. The procedure for calculating and the appointment of these payments is regulated by state legislation of the Russian Federation. All calculations are manufactured taking into account the nominal value, i.e. The cost specified directly on the monetary sign. Categories of citizens who have the right to receive compensation for deposits, and the relevant principles of calculations due to the amounts:

citizens of the Russian Federation, born until 1945 inclusive, are entitled to threefold reimbursement of deposit amounts;
citizens of the Russian Federation, born from 1946 to 1991, was compensation in two-time deposits;
the heirs of depositors who relate to the above categories.

To get compensation for deposits, the depositor must be applied to the Bank's Office, write an application for compensation, present a passport of a citizen of the Russian Federation and a savings book. The heirs, among other things, make an additional document that confirms the relationship and the right to inheritance, as well as the certificate of the death of the depositor. The depositor may transfer the right to compensate for the trusted person, making a power of attorney in the Bank's branch and assuring it with one of the ways relevant to each individual case, for example, notarially, employees of the medical institution, in which the depositor is located, or the organization in which the contributor passes Training or works.

The possibility of obtaining compensation for deposits is provided not only to the depositors of the former USSR. Currently, there are many banks that make contributions, but not all of them are successful. Some banks declare their bankruptcy. In this case, within two weeks, the Deposit Insurance Agency chooses a credit institution that will pay compensation, and places this information in the media and at the entrance of the Closed Bank. The list of documents necessary for issuing compensation of documents is also reported, the deposit agreement, all receipts on making funds to the bank, identity documents are also.

On the site Deposit Insurance Agency Exhaustive deposit insurance information is provided: the list of banks that are agents and participants in the deposit insurance system, in the Insurance Cases paragraph, an exhaustive list of all banks in which insurance compensation is paid.