How to insure the contribution

Deposits are subject to insurance in case of bankruptcy or imprisonment of the license of a banking institution, provided that this bank is a member of the deposit insurance system. To avoid fraud and not losing the cash invested money, come with seriousness to the choice of the bank and take into account all the nuances of insurance conditions.

Choosing a bank to accommodate the deposit in it, follow not only the terms of lending, for example, the interest rate, the procedure for accrual interest, the presence of capitalization. Ask employees if the bank is a member of the Deposit Insurance System. Or review the information on site Deposit Insurance Agency: List of banks that are participants or agents in CER, banks that are not entitled to take new contributions, or banks that were excluded from the CER.

In accordance with state legislation, insurance is not subject to:

deposits in the branches of Russian banks abroad;
deposits in an impersonal form (precious metals);
electronic money;
savings certificates issued for bearer.

The maximum insurance amount established by the legislation is 700 thousand rubles. Currently, a bill is being finalized to an increase of up to 1 million rubles. But so far, for security reasons, place deposits in different banks in an amount not exceeding 700 thousand rubles, taking into account interest due to obtain one hundred percent reimbursement of funds.

When concluding an agreement on the contribution, the invested amount occurs automatically. Insurance amounts will be listed in the Deposit Guarantee Fund. Before the direct signing of the contract for the contribution and making money to the cashier, be sure to check all your personal data made (number and series of passports, full name, identification code, address, etc.). If any data is changed (change of the surname, a passport change after losing or other), then be sure to notify the banking institution about this in order to avoid data inconsistencies.

By phone of the hotline of the Insurance Agency of Deposit 8-800-200-08-05, you can get additional advice on the function of the deposit insurance system. All calls within the Russian Federation are free.