Is it possible to open a nominal account in Sberbank. Nominal account for crediting social benefits. How to check the nominal account through Sberbank online. Conditions for a nominal account

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Credit and financial institutions are constantly expanding the range of banking products. Citizens are available to open several account varieties, each of which has a certain goal. An innovation for Sberbank Customers was the introduction of this social product. The nominal account in Sberbank opens under certain circumstances, and the contract is trilateral.

The concept of a nominal account

This term denotes a special banking product that implies three participants. The financial resources on the account belong to the owner, the beneficiary can dispose of money, the control over the process is carried out by the Bank. The controller (Sberbank) must follow the spending of the account holder in the interests of the second participant. The contract necessarily indicates the beneficiary (beneficiary), but its participation during the registration of the Agreement is not necessary. The opener of the nominal account and the recipient of funds from it are different citizens.

Regulation by law

This financial instrument became available for citizens only in 2014, a foreign experience took place beyond its foundation. The nominal account is a banking product that is subject to the Civil Code of the Russian Federation. Points affecting the processes of registration, accrual, payments are governed by the following legal acts:

1. The requirements for the contract can be seen in Article 860.1 Part 2.
2. Federal Law No. 43 regulates the provision of regular reports from legal representatives.
3. Article 37 Part 1 of the Civil Code considers situations that do not require reports.
4. The list of all possible payments is regulated by Federal Law No. 43 of the Civil Code of the Russian Federation.
5. The list of punishable and prohibited actions for trustees, guardians are displayed in the 37th article of Part 2 of FZ No. 48.

What benefits are paid?

Beneficiaries can receive the following types of payments through a rated account:

• social payments for the content accrued by the state;
• child alimony;
• child benefits for the loss of the breadwinner in the family, in disabilities, pensions are incapable or partially incapable citizens;
• compensation of harm to health.

Conditions for a nominal account

Sberbank provides an opportunity to open this product on the following conditions:

1. Inspective life.
2. Opens in Russian currency.
3. Interest on the nominal contribution is charged every three months.
4. There is no absenty balance, there is a capitalization option.
5. The maximum amount of replenishment is not limited.
6. Insurance amount account is 1,400,000 rubles.

To replenish the nominal account is permissible only from social bodies or indicate the "Appointment of payment". Free to open, closing the account, obtaining an extract for it and the design of a notarial power of attorney.

Who is available to open a nominal account?

The deposit owner, which is a third party can use the financial means of the beneficiary. Opens an account. According to legal documents, the deposit owner is a beneficiary, money is intended only to him. Receive funds from the nominal product usually incapable or partially incapable citizens. The right to discover the contribution belongs to parents, guardians of children with disabilities, trustees and legitimate representatives of a disabled category of citizens.

Opening a nominal account

To create this product, an authorized person should personally visit the Sberbank branch. Open the nominal contribution through Sberbank online and other remote methods cannot be. Creating an account is made only by the legal representative of the beneficiary. The opener will need to confirm the identity and legal status. It is usually enough to provide three documents that include the identity cards of the parties of the transaction and the decree on the appointment of guardianship.

Where should I contact?

Previously, the nominal contribution was available only in banks with state support, where more than half of the assets belong to the state. After recently added adjustments to the Civil Code, it is possible to open products in any credit and financial institutions.

The nominal care mustache has its own characteristics when opening. Banking institutions need to meet two prerequisites:

1. Being participants in the Civil Deposit Insurance Program.
2. The amount of funds in the investment should not exceed 1,400,000 rubles.

Sberbank fully complies with the requirements for creating an account. Having collected a full list of documentation, the trustee can visit any banking department.

Opening procedure for the nominal contribution

To create this product requires a mandatory personal visit to the banking department - online applications are not accepted. The procedure is available without the participation of the beneficiary. The whole process includes three stages:

1. Visiting Sberbank Office with a full list of documentation.
2. The signing of the contract with the indication of information on the parties to the transaction, the rights and obligations, the procedure for ordering the funds of the account and beneficiary.
3. A visit to the relevant organization that organizes social payments for the account number message.

The owner can independently close the contribution, but Sberbank is obliged to notify the beneficiary on the liquidation of the product in writing. The sweeping person has the right to suspend the account of the account upon reaching the age of majority or full capacity.

Necessary documentation

The main packet of papers includes the passports of the trustee, guarded by the person or in the case of a minority (up to 14 years) of birth certificates. Additionally, you can provide the Inn. If the beneficiary is partially either completely incapacitated, then you need documents recognizing this condition. If the child is adopted, then appropriate paper from the guardianship and guardianship authorities should be collected. If a minor person is adopted, then it will be necessary to provide a written decision of the court.

When a legal trustee is not a Russian citizen, he will need to make a certificate from the migration service. After granting a full list of securities, the Bank employee opens the nominal account for accrualing monthly payments.

Interest

One of the main features of the nominal contribution is the presence of a percentage rate of 3.55% per annum. Percentage accrual is made every three months. If the contract is terminated, then the accrued amount is taken into account for the actual period of storage of funds.

Using an account

The owner of this service can manage them until the age of the ward or recognition of the full capacity of the employee. When using the contribution, some nuances should be taken into account:

1. In case of freezing or arrest of financial resources of the owner, the money on a nominal account remains inviolable.
2. Sberbank does not control spending from this product.
3. If you change the address of accommodation, status, updating identity documents, you need to report new information to the bank.
4. The Officer of the Service is entitled to make a power of attorney for disposal of money.
5. In the event of the death of the owner, the funds from the nominal contribution do not go to his heirs - the bank freezes finances. The right of inheritance is preserved only in the descendants of the beneficiary.

Remittance

Transfer funds to the nominal banking product available in several ways:

• self-service devices;
• online service;
• banking department;
• application for smartphones.

When the money transfer is carried out through a personal entrance to Internet banking, it is required to indicate full details. Be sure to fill the Count "Purpose of Payment", which may include the following words:

• alimony;
• content;
• harm compensation for health;
• treatment.

A complete list of identifying phrases is available to download on the official Sberbank website. Words can be inserted in any number and case. If the wording does not comply with the required conditions, the payment is canceled.

Check enrollments

A feature of the use of a nominal contribution is the inability to check the financial receipts over the Internet. For the owner there are two options to learn about the transactions: dial the hotline number or visit the bank office. Contact Center operators will be able to provide information regarding the ten recent income.

Reports in guardianship and guardianship bodies

Legal representatives of the female person are obliged to report annually into the relevant authorities. Self-drawing and reporting is made before February. The documentation form must contain information about the cost of funds that were charged on the nominal contribution.

To reporting, appropriate costs about expenses and arrival should be attached. Blank is permissible to fill in electronic format, except for signatures of the parties. Filling form available download on Sberbank website.

disadvantages

When using the nominal account, the parties periodically arise difficulties. Negative sides of the product include:

• it is impossible to see the receipt of funds by remote methods;
• there is no binding of plastic to the account;
• information on the nominal contribution, except for the parties to the transaction and the bank, can receive bodies producing payments.

The inability to find out the balance of money on the service through the Sberbank website and the mobile application complicates its use. The use of self-service devices is also not available to cash balance and checking the balance. You can only withdraw money in the office in which it was the design of the product.

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The nominal account for guardians is considered one of the most relevant topics for discussion between the recipients of the guardianship payments. The need for its opening arose due to changes made to civil legislation regarding the order of the property of the ward. However, not all persons performing guardian functions were ready for such innovations. Many do not understand why such an account should be discovered when it is necessary, as well as how funds entering it should be used.

Nominal account - what it is

To begin with, consider what a nominal account is in the jar for guardians. According to Art. 860.1 of the Civil Code of the Russian Federation, nominal is an account in the bank, open by its owner, in particular, guardian, for the disposal of means, whose beneficiary is another person, in particular, the ward. According to the indicated standing, all funds made to the account, including the guardian itself, will be the property of the ward.

The law requires the use of the details of the nominal guardian account for hosting the amounts of alimony received, pensions, benefits, compensation, and other means obtained on the content of the ward. Exceptions are only the means that can be obtained by the wards and which it is entitled to dispose of independently, without the participation of the guardian.

The essence of changes that are introduced nominal accounts for guardians is that on previous legislation, all means of a guarded person were kept in a bank in his personal account. The procedure for using these finances limited the guardian in their expenditure, allowing the opportunity to monthly cash out only an amount not exceeding the subsistence minimum. If the funds for the content of the guarded lacked, it was possible to cash out more money only to resolve the guardian council.

Now, when all means goes to the nominal account for guardians in Rosselkhozbank or another credit organization, they come to the complete disposal of the person carrying out the guardian functions. No restrictions are not provided. Moreover, the legislator allows the discovery of such a contribution to enroll the funds of several beneficiaries (guardians) and the subsequent order by them.

Legislation

The changes themselves, which introduced into civil law, the concept of a nominal account was first published in the Federal Law No. 302 of 12/30/2012 and entered into force only by mid 2014. Requirements for persons carrying out guardianship functions and opening such contributions to accommodate funds belonging to the ward. 1 Article 37 Civil Code of the Russian Federation.

The procedure for opening nominal accounts by guardians is regulated by the provisions of Chapter 45 of the Civil Code of the Russian Federation, in particular, Articles 860.1-860.6.

These articles determine the rules for entering into the contract, the procedure for conducting account operations, the rules for providing information and other standards necessary when using nominal accounts.

It should be taken into account that Art. The 37 Civil Code of the Russian Federation also requires the guardians to report annually on how funds received at the expense. The procedure for providing such reporting is defined by Art. 25 FZ "On Opener and Trusteeship", as well as the rules approved by the Decree of the Government of the Russian Federation No. 927 of 11/17/2010, and the rules approved by the Decree of the Government of the Russian Federation No. 423 of 05/18/2009.

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Who opens a nominal bill

By virtue of the action of Art. 37 of the Civil Code of the Russian Federation, the nominal account must be opened by a guardian of the person whose funds come to it. According to Art. 860.1 of the Civil Code of the Russian Federation, it can also be opened by the owner to accommodate the funds of several beneficiaries, but Part 3.2 of Art. 19 FZ "On Cake and Trusteeship" requires the guardian of the opening of one contribution to each of the wards.

According to Part 2 of Art. 860.2 of the Civil Code of the Russian Federation, such an account can be opened as in the presence of a beneficiary, that is, the ward and without it. The fact of the presence of the crucial is fixed in the documents, and its signature is put in the contract.

Order order

Having considered the concept of a nominal account and realizing what it is, we suggest familiarizing yourself with the procedure for designing a nominal account for persons performing guardian functions. So, any such contribution opens on the basis of a contract with a credit institution. According to Art. 860.1 of the Civil Code of the Russian Federation, the contract is in writing with the obligatory indication of the date of its design.

In addition, a significant condition for such a contract is an indication of the ward or on the order of obtaining information from the guardian of it; Be sure to indicate the relationship between the parties, by virtue of which the opening of the nominal contribution is required. Failure to comply with these requirements entails the invalidity of the contract.

In which bank to open an account

Until recently, the rule was relevant for which the conclusion of the contract for the receipt of guardian funds was possible only in banking structures, where public participation was at least 50% of the voting shares. The need for this was due to the increased reliability of state banks. As a result, the highest popularity was acquired by a nominal guardian account in Sberbank, Rosselkhozbank and other government financial structures.

The need to open an invoice only in the State Bank turned around a number of problems for guardians: the problems were to provide the specified service in the unpretentiousness of individual state banks, and in restrictions for the guardian in the ability to open such an account, for example, in the absence of a branch of a suitable bank in the settlement.

Since 2015, the restriction for private banks has been canceled, and now it is possible to conclude a contract for receiving guardian money in any bank, which provides such a service and is functionally ready to maintain deposits, observing all the requirements of the law.

In particular, such a bank, according to Part 3 of Art. 860.1 of the Civil Code of the Russian Federation, must control the use of funds on guardian accounts in accordance with Part 3.1 of Art. 19 FZ "On Cake and Trusteeship", a notification of the guardian and the guardian council that the amount of money supply at such an account exceeded the stipulated FZ No. 177 dated December 23, 2003 "On insurance of contributions of individuals in the Russian Federation" the amount of compensation for deposits. It is worth noting that not all credit organizations have established the mechanism of such alert and control over guardianship operations.

What documents are needed to open an account

Following the logic of the legislator, the procedure for opening a guardian nominal account is not much different from the opening of any other bank deposit. In this case, a particular list of the necessary documents provided during its opening, the law is not provided - they are determined directly by the management of the credit institution.

Thus, in persons issuing nominal accounts of guardians, usually require:

• identity documents;
• taxpayer identification code;
• act of guardianship of guardianship;
• a document confirming the appointment / payment of certain benefits, alimony, scholarships, compensation in favor of the ward;
• a document certifying the identity of the ward, including the birth certificate;
• a document confirming the place of residence;
• information about the name and address of the guardianship authority;
• any other documents requested by the Bank.

The Nominal Account Opening Agreement is usually a guardian day of the Credit Organization.

This process, as a rule, does not require the presence of the ward (although it does not prohibit it) and takes no more than half an hour, since all the processes in 2020 are established and automated. As mentioned above, in the case of the presence of the ward in the contract its signature is necessary.

Account Use Rules

As already mentioned, in accordance with Art. 37 Civil Code of the Russian Federation The nominal guardian account in the bank can be used to enroll in it any means that are prescribed and paid to the content of a minor or incapacitated citizen. These include pension payments for disability, the amounts of alimony paid by biological parents, amounts from regional budgets allocated to the material support of orphans, the amount of compensation for the worship of the breadwinner and other payments that can enact the guardian.

Exceptions are funds that:

• obtained by wards as wages or scholarships, if it reached the fourteen age;
• can be used by the wards on their own, for example, into small household transactions;
• provided by third parties to self-order, if the occupied did not reach the 14th age.

It should be borne in mind that, in accordance with Part 3 of Art. 19 FZ "On Cake and Trusteeship", guardian has the right to place the wards on nominal bank accounts under one condition, namely: the total amount of guardian money in the accounts of one credit organization should not exceed the amount of reimbursement on deposits established by the Federal Law "On Insurance of Deposits of Individuals In banks of the Russian Federation. "

Previously, this amount of reimbursement was 700 thousand rubles, now, in accordance with Part 2 of Art. 11 FZ "On insurance of deposits of individuals in banks of the Russian Federation", the amount of such a compensation may not exceed 1.4 million rubles. Thus, according to Part 3.1 of Art. 19 FZ "On Cake and Trusteeship", in case of achieving the amount on the account of the specified limit, the Bank is obliged to notify the person who owns the guardian functions and the guardianship authority.

Removing funds from the nominal account

There was a requirement that before the guardian to withdraw money from the account of the goal, he had to receive written permission from the guardianship authorities if the amount of funds exceeded the size of the monthly subsistence minimum. Today, the rules for removing money changed.

Now, in accordance with Art. 37 of the Civil Code of the Russian Federation, money on a nominal account is spent by a guardian at its discretion, without any prior permission. However, as before, such funds can be used exclusively in the interests of the ward - the use of them for other purposes is unacceptable and illegally.

Master of Law. Also in 2012 received a specialty "Financial Analytics". After receiving the second higher education founded an independent evaluation company. I am engaged in real estate, land and other property.

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The problem of safe calculations is particularly relevant for citizens going to buy a residential premises using borrowed funds. The nominal account in Sberbank during the mortgage allows you to abandon the use of cash and carry out a deal without unnecessary visits to the banking department. The nominal account is similar to the functionality to the letter of credit, guaranteeing the safety of calculations.

Stages of the transaction when making a mortgage in Sberbank

Purchase of housing using mortgage products is carried out according to the algorithm below:

1. Examine mortgage programs of Sberbank;
2. Apply for a housing loan;
3. Wait for the Credit Committee. If the application is approved, the applicant will receive a notification containing key mortgage agreement conditions (maximum loan size, loan agreement, interest rate on a loan). Notification of Approval Approval is valid 6 months;
4. Find a mortgage object that meets the requirements of the credit institution;
5. Rate the room (this operation is performed by an estimated company with accreditation in Sberbank);
6. Collect a package of documents regarding the collateral and provide it with a loan manager;
7. Insurely deposit and buy a life insurance policy;
8. Subscribe a loan agreement;
9. Register an agreement in Rosreestre;
10. Remove money from the nominal account in Sberbank with a mortgage and will count with the seller;
11. Pay out a mortgage and remove the burden from the collateral.

After making the latest payment at the Bank's cash register, the borrower must take a certificate of the lack of debt. This paper will be insurance against possible technical errors and unlawful additional accruals on the housing loan.

Cashless calculations under the contract to receive mortgages in Sberbank

Until 2017, the purchase of mortgage apartments was carried out with the help of a letter of credit and safes. Significant disadvantages of these methods can be considered the need to transport large amounts of cash and significant commission costs (about 0.1% of the loan amount).

The use of letters of credit suggests a rather complicated workflow, and bank cells can be an object of a tight check by law enforcement agencies. Since 2017, the Sberbank has been working in Sberbank (SBR), which eliminates the risk of fraud and illegal cash assignment. The rated SBR account can be used when selling the following construction objects:

• Apartments;
• Rooms;
• Shares;
• Commercial real estate;
• Machine-space.

The rated SBR account is used to transfer funds for mortgage agreements. Financial transactions are carried out according to the following algorithm:

1. The buyer transfers money to a nominal account opened in Sberbank;
2. Cash is blocked before the registration of the transaction in Rosreestre;
3. After the transfer of property rights to the real estate buyer, the money is listed on the seller's account. The buyer can get an extract from EGRN, in which the new owner of the room will be indicated.

Cashless calculations allow you to list money for a nominal account in Sberbank with a mortgage without the use of a safe cell. The average lifetime of property rights is 7 days. If the transaction breaks, the buyer will receive the listed funds in full.

After completing all transactions, the contract parties will receive notifications that will come to email. To make an application for the use of the rated RCB account in the Sberbank branch. Application submission will take about 15 minutes. The service is provided on a fee basis. For the signing of the Agreement, I will need TIN, passports and bank details for the transfer of funds.

How to properly convey an advance for making mortgages in Sberbank?

The transfer of the deposit is prescribed in the preliminary contract for the sale of the apartment. In this document, the following information should be specified:

• Details of the parties;
• Technical information about the construction site;
• Information about citizens prescribed in the apartment;
• The amount of the provisional payment and the deadline for which the advance is made. If the simultaneous purchase and sale of several objects occurs, then the prepayments must be made on the same time;
• Detailed description of the actions of the Parties to the Treaty;
• The list of papers to prepare for the transaction (consent of the concern, certificate of the lack of debt, etc.);
• Terms and reasons for the return of funds;
• Method of notification of the counterparty about the actions committed (custom letter or email);
• Size of overhead (in the contract the party must be specified that compensates for the costs);
• The timing of lesions from the purchased premises (if available);
• Circumstances that may cancel the transaction (refusal of guardianship and guardianship bodies, problems with reproduction of redevelopments, etc.);
• Date and place of conclusion of the agreement.

Before making a prepayment for a nominal account in Sberbank, you need to make sure that the seller is the owner of the housing. For this you need to order an extract from EGRN in MFC or Rosreestre. Cash transfer is mandatory confirmed by the receipt. In this paper you need to specify:

• Passport details of the borrower and the lender;
• Deposit size;
• The number of the preliminary contract, according to which funds are transmitted;
• Document drawing date;
• Signatures of the parties.

If the contract is canceled by mutual desire of the parties, then the advance returns to the buyer. In the presence of mutual claims, counterparties have the right to defend their position in the judiciary.

How to choose an apartment for a mortgage in Sberbank?

Sberbank specialists have developed a special website (Domclick.ru), facilitating real estate search and allowing to coordinate the terms of the contract in remote mode. At the electronic showcase of the Domklik, hundreds of offers of construction companies with accreditation in Sberbank are posted. On one of the portal pages there is a convenient form that allows you to find the desired living space in a few minutes.

To quickly search for apartments, you must specify:

• Type of housing (secondary market or apartments in new buildings);
• Apartment price;
• The floors of the building;
• Number of rooms indoors and others.

Transaction management occurs through the E-Personal Cabinet Sberbank online. The system user can issue digital documentation and monitor the status of its applications.

Future mortgage

Sberbank plans to gradually abandon paper carriers. Mortgage transactions will be carried out exclusively in a non-documentary form. All transactions can be performed using a special application for a smartphone and a reinforced digital signature. The calculation system will be built on the basis of blockchain technology and artificial intelligence that takes into account the individual preferences of the buyer.

The client will no longer have to open a nominal account in Sberbank during mortgage, as the money will be instantly translated by cryptocurrency wallets. The role of financial intermediaries will be reduced to the provision of additional services and various options.

Rated account - what is it needed for how to open it, who is entitled to dispose of them? You can find answers to these questions in our article.

Why do you need a nominal account, how and where can I open it?

Opening of any account, including nominal, is a financial service. Cash can be used directly by the owner or beneficiary. As beneficiaries, people who belong to the rights to the money posted in the bank (for example, incapable or limitedly capable).

Analysis of Art. 860.1 of the Civil Code of the Russian Federation makes it possible to allocate a number of features characteristic of nominal accounts:

1. Money belongs to the beneficiary, and the owner who concluded a service agreement with the bank is entitled to carry out operations with them.
2. Beneficiaries can be several people, however, there are exceptions (for example, when the invoice is open to the disposal of the ward, but manages the guardian).
3. When opening an account, all beneficiaries and foundations of their participation should be indicated. This is a substantial condition, the failure of which leads to the recognition of an agreement invalid.
4. The bank, as a rule, is responsible for monitoring the operation of operations by the owner by order of the payment of the beneficiary.

The beneficiary has the right to establish various limitations both in the amount and for the use of funds.

Agreement on the opening of a nominal account, in accordance with Art. 860.2 of the Civil Code of the Russian Federation is issued in writing with the date of its conclusion. In case the procedure is carried out without the participation of the beneficiary, its signature is not required when conclusted.

Do not know your rights?

If the terms of the contract involve a disposal of several beneficiaries, each of them is taken into account in a special section. Such a mechanism is used by forex dealers to account for funds of all customers.

How to open a nominal account? The procedure is quite simple: it is enough to contact the bank, submit the necessary documents (which we will describe in detail below) and sign an agreement. At the same time, it is important for the discovery and conclusion of the contract with the Bank to determine the basic objectives of the use of funds, since to commit ordinary enumerations and the provision of the right to dispose of money, it is enough to open a regular facial or current account.

Mandatory documents for nominal account

In cases established by law, for example, by virtue of paragraph 1 of Art. 37 of the Civil Code of the Russian Federation, the opening of the nominal account is necessarily a guardian or trustee for ordering the income of the ward. Depending on the category of owner, the list of documents will differ. We will analyze the variants of this list for the most popular cases of the nominal account.

1. Parents of a minor child who paid benefits to open the following documents should be submitted to open:
   • passport of the person who applied for a statement about the conclusion of a service agreement (either another person certifies);
   • documents for a child (up to 14 years old - a birth certificate, after the 14 passport).
2. Guardians and trustees should prepare:
   • passport or other document certifying the applicant's identity;
   • documents on the ward that advocates the beneficiary (for persons over 14 years old - a passport for persons younger - a birth certificate);
   • the act of guardianship and guardianship authority, according to which the guardian (trustee) has the right to dispose of the ward money.
3. When opening a nominal account, the Bank has the right to request, in addition to organizational documents, additional information about the organization.

Application of nominal accounts in practice

Regulations on nominal accounts are designed to simplify the procedure for the disposal of parents (guardians, trustees) with cash that pays the state as part of the existing social programs.

Main methods of their use:

1. In the Forex market. Forex dealers in this case act as owners, and traders - as beneficiaries.
2. Between relatives. An example is the provision of funds for specific purposes (payment of utilities or training).
3. When concluding contracts that suggest the parties to any obligations. Cash in this case, the owner may receive when providing the Bank for evidence of the fulfillment of its obligations.
4. In business. The opening of an account with one legal entity allows you to manage the cash placed by another legal entity.

Thus, the use of nominal accounts is quite extensive. At the same time, the owners should be remembered that the beneficiary under the contract is the beneficiary. In the event of a license with a license, the Bank has the opportunity to receive money has only he.

In 2014, changes were made to the Civil Code of the Russian Federation. According to them, citizens were able to open joint accounts with their relatives. Now you can make a nominal account. What does this tool need, how it works and how to open it you will learn from this article.

What is a nominal account

Bank account that the guardian opens to make transactions with the means belonging to the ward, called a rated account. His characteristic feature is as follows: the service contract may be concluded without signing by the beneficiary. In the case of opening such an account for several wards, the Bank is obliged to take into account the interests of each of them. The exceptions are cases where the contract explicitly provides for a different option.

• The nominal account opens with parents and guardians so that it can be enrolled by alimony, benefits and social freedoms of minors or incapable citizens.
• Also, nominal billing accounts in the bank can be opened to guarantee compliance with contractual obligations under contracts, to provide liabilities on the loan and compliance with other conditions for obtaining funds to the beneficiary.

The discovery and use of such accounts, as well as the banking activities related to them, is regulated by the state.

Types of nominal accounts

In addition to the nominal account to enroll social benefits, which is convenient for guardians and crucial persons, there are still three of their varieties: a letter of credit, an escro and a collateral.

Escrow - an account for freezing funds and transfer it on the basis of a contract between the bank, the depositor and the beneficiary. Its features are as follows:

• the owner and the recipient cannot use the account funds until the terms of the contract compliance;
• the flow of funds occurs a one-time in the amount provided for by paragraphs of the contract;
• the bank cannot write off the Monetary Commission;
• eSCROA funds cannot be credited, they cannot be purchased for them, pay for services or use to other goals;
• without the consent of the recipient, the payer cannot close Escrow.

The mortgage account opens to make money acting as collateral. The debtor credits funds to the current account as a pledger. The deposit is considered to be made from the moment of receipt of documents and approval by the Bank's opening bank.

The parties cannot make changes to the contract without coordinating them with the pledger. The bank is obliged to fulfill the customer orders regarding payments. Simultaneous lending to several beneficiaries is allowed.

The letter of credit involves enrolling the money to the recipient only after providing them with documents confirming the fulfillment of the conditions prescribed in the contract. The payer translates funds to the account, and the bank sends them to the beneficiary only after fulfilling its obligations. This contribution is an alternative to calculations through the banking cell.

Practice of applying nominal accounts

The first nominal accounts began to be introduced simultaneously with the development of non-cash money circulation and the development of electronic banking systems. The first began to use special deposits of German banks in 1992. It simplified the enrollment of the payer's money to the beneficiary and contributed to the safety of such transactions.

Nominal accounts that instead of deposits began to be used to receive payments, optimized the tender guarantee service, making it cheaper and easier.

Nominal accounts are actively used by notaries and lawyers to ensure the fulfillment of the terms of transactions between customers.

The best way to avoid fraud, fraud and cash loss due to unfair compliance with contractual obligations is to carry out calculations with counterparties through a letter of credit, escrow or a mortgage contribution. In Western countries, there is a tendency to increase the use of escrow in individuals for everyday calculations. This ensures the safety of transactions between the seller and the buyer in stores.

Why the guardian needs a nominal account

Previously, the money obtained by the wards were accumulated on the account of the guardian. The latter without permission of the guardian body could take only a monthly amount within the subsistence minimum. Obtaining such permission often became a problem and took a long time.

To facilitate the fulfillment of guardianship and popularization of the guardianship, the Government decided to introduce nominal accounts to enroll social benefits, which would have the opportunity to accumulate social benefits, alimony and compensation for harm to health. According to the Civil Code, the funds of the guardian account can be removed in an unlimited quantity for the needs of the ward, subject to its interests and regular reporting on expenses. This improves the social protection of taped, simplifies the procedure and makes the guardianship institution more attractive.

Where you can open the nominal account

Initially, such accounts could only be opened in credit institutions whose controlling package belongs to the state. Among them, Sberbank is especially allocated, as the main state bank of the Russian Federation. Subsequently, the rules of the game have changed. You can open the nominal accounts in any bank, the limitations touched only the maximum accumulated amount. This is done in the interests of the wards.

Cash deposits of the population are protected by the state. In case of bankruptcy, bank depositors receive their money at the expense of the bank deposit insurance fund. The maximum amount of compensation is limited and is 1.4 million rubles. If the investor has a larger amount on the bank's accounts, he will be returned only by the established insurance limit.

Therefore, the same amount equal to the limit is the limit for total funds on nominal accounts in one bank. The resulting minors or incapacitated list of enumerations that do not fit into limitations should come to the nominal account opened in another bank. This gives guarantees that in the bank's bankruptcy of the bank money will be fully returned to him.

Important: The account can be opened in any bank, and the official permission to open it from the guardianship authorities is not required.

Appointment and functioning of the nominal account of the guardian

The nominal account agreement concludes a guardian or a parent, and the full data of the beneficiary is indicated and the documents approved by law are provided.

Control over the correct spending and preservation of the ward is carried out by a banking institution on the basis of the settlement documents. The beneficiary or his lawyer can put an arrest on the expense to prevent the cost of the funds of the guardian or trustee.

The owner of the nominal account must:

• control the amount of deposit and expenditure operations;
• keep records;
• contain the ward;
• perform tax liabilities on the available deposit accounts.

It works as follows:

1. the guardian transmits the package of documents to the Bank to the representative;
2. the Bank opens the nominal account for the transfer of alimony, pensions and social range;
3. despite the fact that he owns the means of the beneficiary, they are managing the guardian;
4. the guardian council does not control the opening of the account and the expenditure of funds;
5. close the nominal contribution can be possible only after the transition of funds to possession of the female person.

Calmable (with its capacity) has the right to:

• receive information about bank or commercial secrets;
• set restrictions on consumption or money transfer by the account by the account;
• change or terminate the nominal account opening contract.

Terms of use of the nominal account

• According to the Civil Code of the Russian Federation, with the participation of the beneficiary, the issuance of cash and consumption of deposit funds is carried out without restrictions.
• The owner can make an unlimited amount at his own expense if the guardian is desired.
• To list the money, the beneficiary of the guardian must visit the Bank of the Bank, to submit a passport of a Russian citizen and make the desired amount.
• The balance of funds are accrued in interest stipulated in the banking contract.
• The size of indexing depends on the amount on the account, the frequency of removal of funds, the amount of receipts and the type of deposit.
• The bank can change the accrual of additional interest only with the consent of the owner.
• The owner is obliged to compile an annual report on the expenditure of means of the beneficiary.
• To recover money on the obligations of a female person from a nominal account can be possible only by the court decision and in other cases directly provided by law. Exceptions is only a commission for carrying out banking operations.

Inconvenience to apply nominal accounts on guardian

Along with the positive parties to the use of nominal accounts, their use of guardians creates certain problems for the latter:

• The procedure for opening a nominal account provides that it can be issued only at the place of residence, and money to shoot only in one department. With such conditions when leaving for treatment abroad or other regions of the Russian Federation, it will not be possible to use funds.
• Not all spending in favor of the crucified can be confirmed documented, which makes it difficult to reporting. As a result, it becomes impossible to pay additional rehabilitation courses, massages and classes with private speechways from the nominal account.
• The control of the bank for the expenditure of funds violates the secret of privacy. Such aspect is extremely sensitive for parents of children with disabilities.
• Even for Sberbank, the nominal accounts are a "raw product", according to which not all banking specialists can give qualified consultations. In some state structures, they still have poorly understood with the procedure for issuing payments to the nominal account.

How to open a nominal account on the ward

To open the nominal account, you must contact the selected bank. From documents necessary:

• decision of the guardianship body and guardianship on the appointment of the guardian;
• certificate of guardian.

If the guardian is a child's parent up to 18 years, instead of solving the guardianship authorities it is necessary to provide a birth certificate.

In some cases, it is additionally provided with a residence permit, a migration card or a different document that confirms the right of the person to be located in the territory of the Russian Federation.

Opening an account, the owner is obliged to inform the jar of the price of a profitable company:

• date of birth;
• place of Birth;
• address registration of a female face.

Together with the data, a passport of an adult beneficiary or a birth certificate should be provided if the beneficiary was not 14 years old.

After providing all documents and consideration of the application with the account owner, a contract is reflected in its and beneficiary.

For the enrollment of social benefits that are intended to keep a feasible person, the owner of the nominal account must write a statement to the body that is engaged in their payments. The statement must include the account number to which funds must be enroll. Determine the account belonging to the nominal simply - such accounts begin with numbers "40823". This is done to facilitate banking and state control over the enrollment and spending of the funds of this group of accounts.

The adopted changes in the Civil Code of the Russian Federation reduced state regulation in such a thin field of activity as guardianship. This is undoubted step forward.

Despite the individual ambiguous moments, the use of nominal accounts significantly facilitates the calculations and financial activities of the subjects. This concerns custody and business interaction between counterparties.

The opinion of the lawyer