Insurance compensation for deposits. The insured deposit amount is the mechanism of action of the state system and the maximum amount of payment. How many contributions by law can be opened in one bank

Insurance of deposits by the state in the current 2019 will be carried out on the same principle as before. In connection with the latest events in the economic life of our country, namely, with the deprivation of licenses of several dozen banks, many depositors are interested in the exact amount of the guaranteed return of funds.

We remind you that by law "On insurance of deposits of individuals in banks of the Russian Federation" When using a banking license to carry out credit operations, their investments in 100% of the amount will be returned to depositors, but not more than the insured amount, i.e. 1.400.000 ruble.

In the event that the total amount of funds on your accounts and deposits in this banking company exceeded this amount, then you are queued. After the property available from the bank is implemented, and additional payments can be made to the debt to lenders.

If the investor had several accounts in one bankrupt bank, compensation would be paid in proportion to their size. Regardless of the currency, the payment is made in rubles, and they, as a rule, begin, no later than 3-4 weeks from the onset of the insured event.

There are several changes that have occurred since 2016:

• In the event that your contribution was opened in foreign currency, then compensatory payments will be made in rubles at the rate of the Central Bank, which is valid on the client's appeal day;
• Payments are now laid not only to physical, but also to legal entities;
• In the amount of insurance, not only the initial contribution is included, but also accrued interest;
• If you made a contribution, the amount of which exceeded 1.4 million rubles, then you can first get the amount guaranteed by the state, and then in order of priority to qualify for the balance after the sale of the Bank's property.

It is important to understand that interest on the contract is accrued. If it was monthly, you will receive an initial contribution +% in the action of the deposit. If the accrual was assumed at the end of the term, which has not yet come true, the rate will be used "to demand".

If the bank in which you made a deposit lost license, do not panic. For 14 days, temporary leadership is appointed there, as well as a bank agent that will be returned to the funds.

A message about whom the Organization's obligations crossed in which you were serviced earlier will appear on its official website, as well as on the ASV website. After that, you will need to contact the nearest branch of the typenitical company with a document certifying the personality and the banking contract.

If you in the same banking institution made a loan, then your obligations will be reduced on the size of your deposit, and will also go to the agent bank. At the same time, you may be offered to repay the debt ahead of schedule on preferential terms, for example, under a reduced rate.

For borrowers: It is important that until you receive new details, you should refrain from payments, because the money can go anywhere. If you still want to make another payment according to your loan, be sure to keep the check confirming this operation.

Are deposits all deposits?

Unfortunately no. You can get compensation for ordinary deposits, open in your name, for salary, retirement and other accounts intended to obtain all sorts of payments.

What will not be insured by the state:

• bearer deposit accounts (savings certificates);
• impersonal metallic accounts (OMS);
• electronic money;
• deposits transferred to the bank for trust management;
• investment deposits;
• accounts that are in foreign branches.

It should also be remembered that not all banking organizations cooperate with the DCA, because this is a paid service, and payments can receive depositors not all companies. Therefore, if you plan in 2019 to make a contribution, be sure to ask the specialist whether your contribution will be insured, a list of such banks can be found on the official website of the Central Bank of Russia.

By their insurance (guarantee).

The main idea of \u200b\u200bthe operation of the CER is to conduct rapid payments to depositors from an independent financial source (for example, a special Fund) in the event of a bank's termination (recalling the relevant license). Thus, without waiting for the start of liquidation procedures, investors are guaranteed to access their means.

The experience of most economically developed countries of the world shows that the insurance system (guarantee) of bank deposits is an effective tool for solving a complex of social and macroeconomic tasks. First of all, it allows you to prevent panic among investors, thereby ensuring the stability of the banking system and reducing public costs to overcome the consequences of crisis phenomena. In addition, the presence of CER increases the confidence of the population to the banking system, creating prerequisites for the long-term growth of private deposits.

Currently, CERs in various forms exist in 104 countries of the world. More than half of all insurers enter the International Association of Deposit Insurers (Masd or IADI).

Deposit Insurance System in Russia

Insurance of deposits in the Russian Federation is carried out in accordance with the Federal Law "On Insurance of Deposits of Individuals in Banks of the Russian Federation" No. 177-FZ dated December 23, 2003 (hereinafter - the Law or the Law on Deposit Insurance).

Insurance is subject to cash of individuals placed in deposits and accounts in banks registered in the Russian Federation. A number of exceptions is shown below.

Insurance of deposits is carried out by virtue of the law and does not require the conclusion of the insurance contract. In order to manage deposit insurance system on the basis of the Deposit Insurance Act in January 2004, the Russian Federation has established a state corporation - "" (hereinafter referred to as the Agency, DCA or CCM GK).

Participation of banks in the SS

In Russia, participation in the deposit insurance system is mandatory for all banks that attract the funds of individuals.

The size of insurance compensation in the SS

Insurance compensation on deposits in a bank, in respect of whom an insured event has come, is paid to the depositor in the amount of 100% amount of deposits in the bank, but not more than 700,000 rubles. (for insured events).

Deposits in foreign currency are recalculated at the rate of the Central Bank at the date of occurrence of the insured event.

The maximum amount of compensation is 700,000 rubles. For all deposits and accounts in one bank. Deposits in different banks are insured independently of each other.

After the payment of insurance compensation for the right of the claim of the contribution of the contribution exceeding the amount of guarantees, is satisfied during the competitive production in the first stage of creditors. The rights of the contributor to the amount of insurance payments made to the Deposit Insurance Agency.

If the depositor received a loan in a bank in respect of which an insured event occurred, then the amount of insurance compensation decreases to the amount of the bank's counterclaims to the Depositor to the date of the license.

Insurance case and organization of insurance compensation payments

Insurance case is one of the following circumstances:

• feedback (cancellation) at the Bank of Russia license bank for banking operations;
• introduction by the Bank of Russia a moratorium on meeting the requirements of bank creditors.

Payments to depositors begin no later than 14 days after the occurrence of the insured event.

Payments are made either in the office of the Agency (if the total amount of payments and the number of contributors are small), or through one or more authorized banks - ADV agents, as well as by mail. The specific order of payments is determined separately for each insured event.

Exceptions from insurance

Not subject to insurance:

1) funds in the accounts of individuals engaged in entrepreneurial activities without the formation of a legal entity, lawyers, notaries and other persons, if such accounts (deposits) are open to the implementation of entrepreneurial or relevant professional activities provided by the Federal Law;

2) deposit on bearer;

3) means transferred to the bank in trust management;

4) deposits in foreign branches of Russian banks;

5) money transfers without opening an account;

6) Funds for discomposed metallic accounts.

Financial bases of CER

The financial basis of the system is the fundamental deposit insurance fund (hereinafter referred to as the Fund). The Fund's size as of September 17, 2012 is 178.5 billion rubles.

The main sources of the Fund formation are the property contribution of the state (7.9 billion rubles), insurance premiums of banks and revenues from investing funds of the Fund.

Insurance contributions are united for all banks - participants in the CER and are subject to payment by the bank on a quarterly basis. The rate of insurance premiums of banks to the Fund is established by the Board of Directors of the Agency and is currently 0.1% of the average size of the deposits of individuals in the bank for the corresponding quarter.

Some facts from the history of CER in Russia

Since the beginning of the operation of the CER, the maximum amount of insurance indemnity in Russia has grown 7 times. Initially, it was 100,000 rubles, from August 9, 2006 to 190,000 rubles were increased, from March 26, 2007 - up to 400,000 rubles, and from October 1, 2008 - up to 700,000 rubles.

For the history of the Deposit Insurance System in Russia, 128 insured events were recorded (for September 2012).

The volume of responsibility for the occurrence of insured events on August 17, 2012 is 72.9 billion rubles. For 1 203.7 thousand depositors. At the specified date, insurance compensation in the amount of 71.1 billion rubles. 367.7 thousand depositors paid.

Deposit Insurance System in United States

The United States of America are the first country where the bank deposit insurance system appeared. The need to create this system was due to the proceeding economic crisis - the Great Depression. As a result, a federal deposit insurance corporation was created in 1933 in 1933.

Initially, the insurance limit was 5,000 US dollars. Until recently, the standard insurance indemnity in the United States was 100,000 US dollars. However, in 2008 it was up to 250,000 US dollars.

Deposit Insurance System in Kazakhstan

In November 1999, the Kazakhstani Fund for Guaranteing Deposits, the main function of which is the organization of the Deposit Guarantee System. The foundation was created in accordance with the Law of the Republic of Kazakhstan "On Banks and Banking Activities in the Republic of Kazakhstan" dated August 31, 1995. The deposit guarantee system established in Kazakhstan ensures insurance of deposits, current and maps of individuals and individual entrepreneurs.

see also

Links

• State Corporation "Deposit Insurance Agency". - The official website of the State Corporation "Deposit Insurance Agency". Archived

• The participation of banks in the deposit insurance system. - Current list of participants in the deposit insurance system on the ASV website. Archived from the primary source February 12, 2012. Checked November 2, 2009.

Notes

Wikimedia Foundation. 2010.

• Martino, Harriet
• Deposit Insurance Agency

Watch what is a "deposit insurance system" in other dictionaries:

Deposit Insurance System - (CER) The mechanism for protecting private deposits, providing for insurance of deposits of individuals by the state. CER current exists in more than 100 countries. She is designed to prevent panic among investors, ensure stability ... ... Banking encyclopedia

Deposit Insurance Agency - (Deposit Insurance Agency) Deposit Insurance Agency This is a state corporation that performs functions for compulsory deposit insurance Agency of deposits insurance is a state corporation that exercises ... ... Encyclopedia Investor

Deposit Insurance Agency - This article should be vico. Please place it according to the rules of articles ... Wikipedia

Singapore Banking System - Banking is one of the actively developing sectors of the Singapore economy. There are 121 commercial bank in the country, including local 7, foreign 114. For September 2010, the amount of assets (liabilities) in the banking sector ... ... Wikipedia

State Corporation "Agency for Insurance Deposit" (GK DSU) - Created in January 2004 on the basis of the Federal Law of December 23, 2003 on insurance of deposits of individuals in banks of the Russian Federation. In order to ensure the operation of the Deposit Insurance System, the Agency provides ... ... Encyclopedia Newsmakers

Insurance deposits - - - a system that allows private contributors to individuals to receive funds when responded by a license or bankruptcy of a credit institution. For this, banks pay insurance premiums for attracted contributions to a specialized fund, ... ... Banking encyclopedia

More than three hundred Russian banks are currently under the liquidation process - such data published in November. Almost every of these credit institutions attracted deposits of individuals and individual entrepreneurs. To return to depositors a total of 1.7 trillion rubles allowed the existing deposit insurance system in the Russian Federation since 2004. This state program not only protects against the possible loss of funds on, but also significantly increases the public confidence in the banking structures and the institution of savings in general. What is the deposit insurance system (CER) and how is it organized?

The Deposit Insurance System in the Russian Federation is based on the fact that the state in the event of a bank bankruptcy or his review of his license guarantees a quick return to the individuals and IP deposit amounts of up to 1.4 million rubles. According to the Association of Russian Banks, in the first half of 2017, the average amount of the contribution of a resident of the country amounted to 163.1 thousand rubles, the share of deposits less than 1.4 million rubles is approaching 60%. Consequently, under the parameters of the deposit insurance system (CER), most of the savings of the population are falling.

As far as the CER is relevant, it can be judged at least for the fact that during its actions the possibility of obtaining compensation more than 3.6 million depositors took advantage. In total, during this period, the Central Bank of the Russian Federation deprived the license over 400 banks (the full list can be viewed here: https://www.asv.org.ru/insurance/insurance_cases/). In 2017, 45 credit organizations stopped work, among which there are participants in the top 30 Russian banks (for example, the Ugra).

The maximum amount of compensation for deposits in closed banks from the beginning of the program has grown 14 times. From 2004 to 2008, it was 100 thousand rubles, then increased to 700 thousand. Since the end of 2014, this indicator is at the level of 1.4 million rubles.

History of changes in the amount of insurance compensation:

• From January 2004 to August 9, 2006 - 100 thousand rubles;
• From August 10, 2006 to March 25, 2007 - 190 thousand rubles;
• From March 26, 2007 to October 1, 2008 - 400 thousand rubles;
• From October 2, 2008 to December 28, 2014 - 700 thousand rubles;
• From December 29, 2014 and at the moment - 1.4 million rubles.

History from life

I "got" in the early 2010 with the bank "Holding-credit", where he kept a decent amount. He simply evaporated, and the depositors base was restored literally in pieces, according to separately preserved files. Fortunately, I was inscribed in some of the files, and the procedure passed without a bitch and zadorinka. 4 days after the announcement of the start of payments, I came to the branch of the Solve next to the Gorbushka and turned to the first employee. He invited a special manager, who took me to a special window, where I signed a statement and almost immediately got my contribution (since it was 370 thousand, less than the maximum) and interest. Finally, they said: "They shouldn't do anything else.".

Deposit Insurance Agency (QU): What is it and for what is created?

The Deposit Insurance Agency (DC) is a state organization established under the Law "On Insurance of Deposits of Individuals in Banks of the Russian Federation". The tasks of the ASV include control over the contributions of banks to a special fund from which payments to victims are made as a result of bankruptcy or revocation of a license from the bank to depositors

Since the deposit insurance system is a special state program, for its implementation in 2004, a corporation was created with 100 percent government participation. Deposit Insurance Agency (DC) acts as a liquidator and competitive management banks with revoked licenses, and most importantly, it is disposed of compulsory deposit insurance fund from which depositors and compensation pays.

The volume of the Fund as of October 1, 2017 was about 40 billion rubles. However, by itself, this figure is little about what he says: the process of returning the deposits of closed banks is constantly going on, only this year the ASV attracted more than 600 billion rubles as loans from. The repayment of these loans is due to the influx of the contributions fund from Russian banks within the Deposit Insurance System.

Free funds The Agency invests mainly in government securities and deposits of the Central Bank of the Russian Federation, to invest money in the share of banks is prohibited by law.

The Board of Directors of the ASV is headed by the Minister of Finance of the Russian Federation, this body includes six more members of the government of the country, as well as five representatives of the Central Bank, which emphasizes the official status of the agency and its reliability provided by public funds.

The preservation of the contribution in the case of the collapse of the bank is guaranteed by Federal Law No. 177-FZ "On insurance of deposits of individuals in the banks of the Russian Federation".

Now the insurance system covers two categories of depositors: individuals and individual entrepreneurs.

The SCM scheme is very similar to the algorithm of any compulsory insurance, only as insurers are not citizens, but banks. Credit organizations are deducted to the Deposit Insurance Agency share from attracted financial resources. Of this money, the insurance fund is formed in the DSV, which is then spent on compensation to the depositors of banks with an derogated license.

Existing rates of banks' deductions to the Deposit Insurance System

To become a member of the CER, the depositor does not need to conclude a separate agreement - the deposit insurance occurs automatically when it is discovered.

There are only two insured events in which the ASV compensates for the contribution:

1 Feedback, or cancellation by the Central Bank of the Bank's license. It occurs in the case of the detection of signs of insolvency (impending bankruptcy) or violation of the requirements of the Central Bank of the Russian Federation. The voluntary liquidation of the Bank with its owners under the operation of the deposit insurance system does not fall - simply because to decide on the closure of the bank's owners can only after full calculation with all creditors, including depositors.

If the owners decide to simply lock the doors of the office and go abroad, the Bank will be eliminated by the decision of the Central Bank - with a review of the license and compensation to customers as part of the Deposit Insurance System.

2 Moratorium. Prohibiting the satisfaction of the requirements of bank creditors (imposes a bank of Russia). The moratorium is introduced when the bank himself makes delay in front of its creditors due to lack of funds on its accounts.

Example: Banks to issue loans to individuals themselves take money on credit under a smaller percentage from other banks and organizations.

The essence of this measure is that the Central Bank suspends any bank payments for 3 months (payments on deposits, on executive sheets, fines, penalties, etc.) besides current expenses (employee salary, social benefits, utilities and other economic payments).

During this period, the Central Bank checks the work of the credit institution and decides whether it is worth considering her license. Two weeks after the introduction of the moratorium, and before it is completed, you can contact the DRE with a statement of compensation for the contribution. In the history of the agency, the agency of the moratorium was administered only twice: in Vesselbank and "Note-Bank" in 2015.

Central Bank of the Russian Federation

If the bank responds to a license, the depositor can get back the attached amount (no more than 1.4 million rubles), without waiting for the procedure of the credit institution. The first payments are made already after 14 days from the date of the announcement of the license revocation (if the register of depositors is in order and in time transferred to the DC).

The Deposit Insurance Agency works, as a rule, through banks - agents, in all of them in the registry of Sixty-two ASV. These are leading banks with states (for example, payments to the clients of the Ugra Bank carried out VTB24), as well as large private credit organizations (Alpha Bank, Binbank and others).

This is done to improve availability: the branches of agent banks, as a rule, are in all major cities, contributors easier to contact there, rather than send documents by mail in the DC.

Legislation does not provide any sequence in the payment of compensation: two weeks after the license of the license to the Bank agent may contact any depositor (both the individual and IP) - the main thing is that the information about him is in the bank's deposits of the bank depositors . More information about cases where information about the depositor is absent in the registry and what to do in such situations is considered at the end of this article.

The procedure for returning the contribution is simplified as much as possible: the depositor addresses the bank agent with a minimum number of documents. If everything is in order, the physical is listed to the account specified by them or issued in cash at the bank's office. An individual entrepreneur returned funds to be transferred to the account in any bank (it is most profitable to open an account in the Agent bank - do not have to pay the commission).

A license review after which the bank stops work, you need to distinguish from sanation (financial recovery). In the second case, the Bank introduces a temporary administration, the owner can change and climb the hype in the media, but nothing changes for the depositor - work with deposits passes in normal mode, money can be removed in full. Usually, a reservation is used in two cases:

• Bank is important for the state of the country's economy, and its closure may entail negative macroeconomic consequences;
• The deterioration of liquidity is temporary and is associated with a panic of depositors, and not with a real financial "hole" in the Bank's capital.

In 2017, the Central Bank was sanitized two credit organizations from the Top 10 - the "Opening" and Binbank banks.

What banks enter the deposit insurance system

According to the DIA on November 13, 2017, the deposit insurance system includes 476 existing Russian banks in which more than 24 trillion rubles of the deposits of individuals and IP are concentrated.

The law obliges to participate in the CER all credit organizations that make contributions from the population. To have the right to hang on its website, the Banner "Deposits is insured", banks must comply with several requirements:

• Significant reporting (according to the Central Bank standards), errors and inaccuracies should not affect the assessment of the financial sustainability of the organization;
• Fulfillment of the standards of the Central Bank on reserves, the size of capital, etc.
• The financial stability of the Bank is recognized by the Central Bank sufficient (primarily in terms of liquidity, the quality of risk management and other similar parameters);
• Timely provision of data on persons under the control of which is the bank.
• Timely correction of identified disorders.

Not all banks correspond to the specified requirements. 4 Credit organizations are now deprived of the right to attract funds. Thus, the Central Bank indicates banks to problems taking into account deposits and on the suspicion of "notebook" accounts, when the money from depositors are taken, but are not conducted by documents.

After prohibiting the attraction of new contributions, the Central Bank of the Russian Federation begins to check for the availability of off-balance accounts - so, Miko-Bank has revealed about 800 depositors, whose money (828 million rubles) did not pass on the balance of the bank and decline in an unknown direction. As a rule, the restriction on the receipt of deposits ends with a review of the license.

There are several ways to check whether your bank is included in the CER. The simplest thing is to look at the site insurance agency website (section "Participants' banks, sorted by alphabetically: https://www.asv.org.ru/insurance/banks_list/). You can also clarify the information on the phone free hotline : 8 800 200-08-05.

On the Internet resources of banks included in the deposit insurance system, a special mark developed by the DCA. Also, this sign is placed on glasses at the box office and operations of banks.

How to return the contribution if the bank has withdrawn the license

The activities of the credit organization stops only the Central Bank. The process of compensation is launched immediately after the bank is withdrawn by the license.

During the week from the date of receipt of the debt registry, the Deposit Insurance Agency sends a message to the "Bulletin of the Bank of Russia" and the official urban newspaper at the location of the bank.

The text indicates the place, time, form and procedure for receiving applications for payment of compensation on deposits. Similar information is posted on the sites of the Agency and the Bank itself. Then within 30 days the same messages are sent to depositors by mail.

Most often, investors will learn about the revocation of the license of their bank from the media, they are usually always spoken in the news on the central channels, they write on large news sites and portals, such as Yandex, Mail, etc.

Finally, if you came to the bank, and his office is suspiciously closed in the midst of the working day, then that you should do:

1 Come on the website of the ASV and then either call the phone of the hotline 8 800 200-08-05, or clog the name of your bank in the search string. If it turns out that the Bank is withdrawn by the license, then you will find out which bank is appointed Agent ASV for compensation payments. These data are posted on the Deposit Insurance Agency website, or ask this from a hotline specialist.

2 14 days after the announcement of the revocation of the Bank's license (its date is indicated on the Agency's website) the depositor, his representative or heir writes a statement in the form of the DESA. Blank can be downloaded on the agency website (https://www.asv.org.ru/insurance/, section "Blanks of documents") or fill in a bank agent. A hurry is not required, but you need to have time until the day of the bank's bankruptcy procedure (this date it will be reported on the SIT sites and a closed credit institution). If the contributor or his heir "yawned", it is possible to restore the period by proving that the submarine of the statement was prevented by force majeure, service in the army or severe illness.

3 documents are applied to the application. For the investor enough passport, the representative brings a notarial power of attorney. If the contributor is a minor, parents or guardians provide his birth certificate. The adoptive parents require a prevention document, from guardians, respectively, to establish a guardianship. If there is no possibility to submit documents in person to the agent personally, they can be sent by mail by registered letter with the notice.

4 The Bank-agent according to the law should consider the depositor's application to the maximum until the end of the next working day (if the deposit of the depositors has already been received by the bank from the DC). If the amount of compensation is small, immediately after receiving the application, it is paid through the cashier (the limit depends on the Rules of the Bank Bank - in some cases they can pay a million, but most often the amount is limited to one or two hundred thousand rubles). Otherwise, the depositor will be offered to come the next day, the required amount will be prepared. If the depositor in the statement wished to get money by non-cash transferants, the agent bank gives three working days.

5 Simultaneously with the money, the client issues a certificate of what amount is paid / listed. This document is especially important if your contribution exceeds 1.4 million, and you plan to present claims to the bank deprived of the license in the future.

If the deposit compensation for some reason (not related to the failure of the client) will not be paid on time, the contributor has the right to apply to the court. You can require the following:

• penalty;
• compensation of moral harm;
• pay interest for the use of other people's money from the first day of delay.

History from life

I had a contribution to 200 thousand rubles in a confused "bank-t". I knew that the bank was dumb, but he offered interest, before which it was not to resist (about 12.5%, even at the time very cool). Time went, the percentage I took myself to my card. And then I saw in Yandex that the bank was withdrawn by a license. I went to the website of the ASV - in the first line of the news there was a message about the deadlines in which the agent bank will appoint. I waited a few days, I went to the site again - Sberbank chose a bank agent. They paid deposits not everywhere, the list of departments was also posted on the SIR website. In the department, which was closest to me, the return of deposits was engaged in the department serving VIP clients of the Sberbank. But the queue was and there - not from the scandalist grandmack, but it was. The first time came just ask. They said that in addition to the passport, nothing needs. There is a status of accounts. I was immediately found in the registry, signed a statement drawn up by the manager - and everything, you can at the box office. I did not go to the box office, because I had an account in Sber, asked to transfer money to him. Translation came instantly. What pleasantly surprised, compensated even interest in the last month of service. "Bank-T" paid interest on the last day of the month, and until November 30 he did not finalize. I thought I would not get anything for November or a maximum at the request "to demand", but paid at the usual rate - another 1700 with a penny rubles in plus to the body of the contribution.

Office of ARS in Moscow at the address: Vysotsky Street, 4

Frequently asked Questions

Are all types of deposits in banks insured?

No, not all. The law establishes a clear list of deposits whose compensation state guarantees:

• to demand and urgent;
• on salary, pension and scholarsal bank accounts;
• On IP accounts (in banks devoid of licenses after January 1, 2014).
• In accounts belonging to guardians and trustees, but open on minors or incapacitated (in banks whose licenses were withdrawn after December 23, 2014).
• In special accounts (escrou), open by individuals for settlements for real estate transactions (in banks that remained without a license after April 2, 2015).

But what bank products do not fall into the deposit insurance system:

• Funds on deposits of lawyers, notaries, etc., if these accounts are opened for professional activities.
• Contribution deposits for bearer.
• Means transmitted by individuals to banks in trust management.
• Deposits opened in branches of Russian banks outside the Russian Federation (the abroad does not apply to the abroad).
• Contributions to e-mail.
• Funds on nominal accounts and accounts escrow (except those mentioned above).
• Funds on impersonal metallic accounts.

Are interest in deposit insured?

Yes, they are insured, but only if they were counted on the principal amount of the deposit until the start of the bankruptcy procedure. Let's look at a few examples for a better understanding:

Example # 1.

You have placed 100,000 rubles on the deposit, a period of a year and interest accrual at the end of the term. Suppose that in six months after the conclusion of the contract, the Bank recalled the license. Since your money did not put on the contribution of the year, then the percentages were not accrued to you, which means they are not subject to insurance.

Example # 2.

You have placed all the same 100,000 rubles on the contribution, a period of a year and interest accrual at the end of each month. Six months later, the bank was withdrawn by a license. In this case, you will receive your contribution + interest for six months, as they were charged and treated to the amount of the contribution every month.

Does debit card account contributions in the insurance system?

Deposit insurance applies to debit card accounts, the procedure for compensation on them is the same as for other types of deposits. Exceptions are prepaid bank cards. Cash to them is not insured.

History from life

At one time, I had a plastic map "Svyaznabank", lay on it, was "on a black day" the amount of 15 tr. Somehow, right before the new year, I heard on the radio that the bank closed for a month ago. At first, I decided that the "snap" disappeared forever, but still climbed on the Internet to search for ends. On the bank's website there was an indication of contacting the payments to Sberbank - with a passport. Knowing our bureaucracy, took with me all the documents -, the original and copies of the contract with the bank and much more. And at the same time the account number of another card to translate money there if everything goes well. The Department of Sberbank, which was required to turn, was at the other end of the city, but I went there in good faith, thinking that I could hardly help in the near office. Accepted me in 10 minutes. The employee took the passport and fill out the statement itself. I signed. The employee itself went with the check in the cashier and brought me my 15 thousand. Everything went smoothly 20 minutes.

When can refuse to pay?

There are only three grounds for which you will not be paid to pay off the deposit:

• In the registry there is no information about you as a depositor.
• You provided incorrectly executed documents or did not provide any paper.
• The Bank-agent did not receive the register of depositors from the DC.

The Agent Bank is obliged to provide you with a written explanation of refusal to pay insurance compensation.

History from life

For a long time, the bank was chosen for the placement of the money there, which were planned later to spend on the purchase of an apartment, but for now earn a percentage. Investigation of the contribution was one of the main conditions. We live in Samara, it seemed to be the most convenient to discover the contribution to the Volga-Kamsky Bank. From time to time came, replenished, took statements - everything as usual. And then the audience went, that the bank of Kayuk. We just had to make a contribution to the purchase of an apartment, smashing, ran to the bank. The kilometer turn, the money, of course, did not see, but almost a power of the banking statement with the balances with the bank marks. And calmed down. We waited for "letters of happiness" from the ASV - and fell into shock. We are not in the registry! But we have an extract! They wrote a counter statement to the agency, put a copy, wait for solutions. From the DSI arrived from the question: you are not in the registry. I didn't even watch an extract! If it were not for the deputy of the State Duma and not the prosecutor's office, so we would not receive anything. According to the result, paid only after 6 months.

How to be if you were not in the registry of depositors?

The reason for such an unpleasant situation may be the negligence of bank employees (documents are lost or destroyed documents in terms of depositors, employees are dismissed, the ends to seek nowhere) either the so-called "off-balanced deposits" - when the money from the depositors took, and they did not conduct money on documents by issuing lime paper to customers. As a result, you have an agreement on your hands, and in the bank of information about what you contributed is not available. Accordingly, when contacting a bank agent for compensation, you will receive a refusal. Such had to experience, for example, depositors of "Crossinvestbank", Miko-Bank, Stella Bank, where the number of "notebook" deposits approached 100%.

The DSE see two solutions to such a question. Sometimes the agency recommends depositors to immediately contact the court with a requirement to restore the registry. The suit to the bank, which has a license to be withdrawn, must be submitted only after receiving the refusal of the QA. Much depends on the quality of the formulation of the claim, it should not be template.

Please note: for the court you did not affect the fraudsters the contributor, and the person who is going to prove that he had a contribution to this bank. Therefore, the more convincing will be your evidence - in the form of original documents, witness testimony, and so on, the more chances.

If the client is in the registry, but the deposit amount does not correspond to the real, the DSE asks together with a statement of disagreement with the amount of payment to provide the original documents for the contribution (contract, orders, etc.) directly to the agency (for example, send by mail). Consideration can last up to two months. The disadvantage of such a scheme is the need to part with the original documents. This means that in the court in the future you can no longer go.

What if I do not agree with the amount of compensation?

There are two options.

1. Submit documents to the DCA in confirmation of their requirements. The Agency will cross these papers to the bank. There, within 10 days from the date of receipt, should consider your arguments and, or make changes to the register of depositors, or refuse.
2. Apply to establish the size of payments to court.

History from life

Faced with the ASV had twice. The first time after the license was reviewed by "Investratranbank" everything went well, the money quickly returned. And the second time I had to protest the procedure for the operation of the deposit insurance system. We transferred more than a million rubles at the Yuga Bank in the summer of 2017 - just at the moment of the license from him. It turned out that part of the money went to the announcement of the insurance case, and the second part (big) - right on the day of this announcement. Despite the fact that in paragraph 5 of Article 11 of the law "On insurance of contributions of individuals in banks of the Russian Federation" it is indicated that the amount of reimbursement on deposits is calculated based on the balance of cash on the contribution to the end of the day of the insured event, the DSA takes off the beginning of this day. And, accordingly, does not want to return part of the money. They wrote a statement about disagreement with the payment, 10 days end, will have to go to court.

I have three deposits in one bank for a total amount of 3 million rubles, but each of the deposits is less than 1.4 million. Will the entire amount be returned to me if the bank go bankrupt?

According to the Deposit Insurance Act, if you have several deposits in one bank, it will be possible to compete - but the amount is cumulatively not exceeding the same 1,400,000 rubles, the rest can be collected directly from the bank, which has been withdrawn by a license. But deposits in several simultaneously deprived of licenses can commemorate 1.4 million for each institution closed.

Conclusion

Let's repeat the most important thoughts on deposit insurance:

• The deposit insurance system concerns only individuals and individual entrepreneurs. In case of money, legal entities are not insured.
• The DSA insures only bank deposits (deposits). If you see an ads of any financial instrument (forex, shares, pamm accounts, mutual funds, etc.) in which it is said that the funds you are being deposited are insured, then know what is cheating. This is a marketing trick that financial pyramids and Haip are often covered.
• Debit cards are subject to insurance, which means you can safely open cards with interest accrual on the residue.
• Choose a bank in which the contributions are insured in the DC.
• Do not post more than 1.4 million rubles. In one bank on one individual.
• If you need to place a sum of more than 1.4 million rubles, then break the amount on the part, not more than 1.4 million rubles. And keep them in different banks, or open deposits on your relatives if the bank offers good bets.
• If you make a contribution, you always require confirming documents from the bank, it is especially related to the deposits opened via the Internet. Keep all the documents relating to your contribution - the contract, checks about making money, etc., in case, if suddenly your data is not in the registry.

Dessert video: Creative street hours in Tokyo

The banking crisis in the country, the difficult economic situation make people think about how reliable can banks are protected by investments on deposits and what the amount of deposits insurance is. Almost every month of the Central Bank of the Russian Federation recalls the license of any financial and credit organization. The state is trying to protect the savings of citizens in banks, so the depositors should know how much the insured deposit amount, who makes payments for reimbursement of investments, and what order of treatment in the DSV is adopted.

What is the deposit insurance system

To avoid the panic sentiment of citizens when banks, where they have invested their funds, stop servicing legal entities and individuals, the state has created a special tool that protects the savings of citizens, determining what should be the Insurance amount of the contribution to compensation in response from a license or temporary review Termination of work with debtors and creditors.

The deposit insurance system (CER) based on state support is adopted in many countries of the world. Its work is aimed at stabilizing the activities of the banking sector, the prevention of panic, increasing the confidence of the population to banks and reduce the likelihood of the collapse of the national currency - if a person knows that there is a guarantee of the return of invested funds, he quietly takes these actions to obtain non-governmental investments.

Mechanism of action

If the bank went bankrupt, lost the license or other force majeure circumstances occurred, due to which a credit organization cannot fulfill its obligations to the depositors, then the invested funds do not "hang", but quickly return back to the depositor in the amount of the amount of the amount. The maximum amount of the insured deposit for 2017 is 1,400,000 rubles - if the invested funds do not exceed this value, they can be returned together with accrued interest on the basis of a contract with the bank.

Functions of ASV

All operations on the return of the insured amounts of deposits holds a specialized agency (DC), operating on the order of the state and the guided FZ for No. 177 of December 22, 2003 or other regulatory documents. In the accounts of the ASV, more than 100 billion rubles were accumulated, which are consisted of state contributions, system participating banks and investing invested amounts into certain assets, securities and other income tools.

All information is posted on the official website of the DCA, where depositors can familiarize themselves with how this structure pays the insured money, with the register of the system participating banks, the nuances of the calculations. According to the requirements adopted, any credit and financial institution hosting money for deposits is obliged to become a member of the CER and deduct certain interest on CER, as well as insure the contribution of the client and designate this item in the contract. The QA is required to submit the register of participants in this program.

Deposit insurance amount

Experienced specialists advise to discover deposits in different banks, if the contributor operates in large amounts of investment, since in one financial institution can be obtained not more than 1.4 million rubles from the insured deposit amount, regardless of the number of deposits and the size of the finance. It does not matter, investments are placed in the jar itself or in its subsidiary - it will be reimbursed only the indicated amount is 1,400,000 rubles. There are some nuances when compensation:

• Regardless of the deposit currency, compensation occurs in rubles convertible at the rate at the time of termination by the bank of its work.
• Not only the investment of depositors are compensated, but any accounts with the debit residue are salary, savings, belonging to private entrepreneurs.

What banks are insured by the state

A complete list of financial organizations, in whose contracts, the insured deposit amount should be affected, is on the official website of the QA, where you can see the current state of affairs in one or another credit structure - whether it is a member of the system, is excluded from it, does it have the right to Take the funds of citizens to deposits. On October 24, 2017, there are 788 member banks in the registry, from which the largest - Sberbank, VTB 24, Alfa-Bank, Raiffeisen Bank, Gazprom and others can be distinguished.

How to check whether the contribution is insured in the bank

On the main page of the ASV site, select the section on the list of insurance participants, type the full name of the credit structure and check if it enters the general insurance system. Many banking companies are incomprehensible to their investors, hiding their investments on accounting, therefore there were cases that the insured amount of the contribution was not compensated for the liquidation of the Bank's work, despite the fact that it was insured in the contract. To avoid such trouble, comply with such recommendations:

• keep your copy of the contract with the bank, all checks and receipts about making finances to the account;
• require employees to track your money movement;
• take regular statements from the bank with the prints and signatures of the bank that the funds are on the deposit.

What deposits are insured by the state

The DSE emphasizes that not only the insured deposit amount is subject to refund, but also interest that the financial organization pledged to accrue. The following types of investment are compensated:

• deposits on any conditions - urgent, with percentage capitalization, to demand;
• money lying on salary, retirement, savings, other debit accounts;
• the amounts on the settlement accounts of the SP for work;
• reserved funds on guardians accounts intended for payments to sweeping persons;
• funds on special accounts reserved to execute real estate transactions.

What deposits are not subject to mandatory insurance

Not all means that are on debit accounts are reimbursed. Compensation is not subject to the following attachments:

• amounts in the accounts of persons leading notarial or lawyer work intended for the implementation of their functions;
• funds on nameless accounts open on bearer, incl. on savings books, metal deposits and certificates;
• amounts that are in banking structures in trust management;
• contributions of branches of Russian banking organizations abroad;
• amounts on electronic wallets belonging to this credit structure;
• all finance on nominal debit accounts, except for guardianship and guardianship.

Features of compensation

Many depositors have issues relating to the characteristics of their contractual relations with the banking structure, as to the insured amount of the deposit of compensation, or not. It is necessary to monitor all changes in federal decisions and laws relating to the procedure for payments for one or another contracts. You can learn about your situation by opening the tab of the DCA website regarding the constantly asked questions and answers. If the information was not found, then call the indicated telephone number of the hotline of the agency.

Currency deposits

Along with ruble deposits, foreign exchange deposits opened in Russian CER's banks are considered insured. However, there are some nuances in their compensation. All foreign currency deposits are compensated in rubles, based on the dollar rate at the time of the insured event. The latter includes the following events:

• feedback by the Central Bank of the existing license for banking production;
• the imposition of the moratorium (temporary termination of all actions) on operations with depositors, creditors and other persons who are clients of this banking organization.

The financial and credit structure must fulfill obligations to their depositors, so all the interests on investment are accrued to the date of the offensive situation, and are compensated according to the deposit contract, in accordance with it, in contrast to the body of the contribution, which is reimbursed almost immediately after force majeure circumstances . The last day of the accrual of additional interest payments is the moment of an insured event.

Savings certificates

A deposit discovered by a banking structure certified by a personal certificate (indicating a specific person on the official form of a document) is insured. The owner is laid due to compensatory payments for the nominal value of this security. Get finances can be generally established by the DCA. However, if the certificate is made not on a specific citizen, but for a bearer, then it will not be able to insure it, nor compensate it. Be sure to take into account these nuances when issuing securities.

Funds on IP accounts in banks

Until January 1, 2014, all the money existing on debit accounts of private entrepreneurs was not compensated as the funds of legal entities. However, if the insured event came after January 1, 2014, the entrepreneur has the right to receive his finances back if they do not exceed 1,400,000 rubles. If the entrepreneur had bills in a banking company open to an individual and to carry out activities, they will be compensated to be proportional to deposits, however, the cumulative reimbursement does not exceed the set maximum size.

Insurance amount of deposits - order of receipt

If the Bank recalled the license, then during the next week the ASV distributes information about the bank-agent bank in the media, where you can get the insured deposit amount. The legislation is allowed to receive its finance by the Depositor directly in the DC, but not earlier than 2 weeks after the emergence of the insurance situation. The agent is selected with the presence of a large number of branches and units to eliminate the excitement among the depositors.

To contact the DRE or a bank agent to meet the requirements may be the depositor or his heir, in the event of the death of the depositor. The procedure for obtaining a guaranteed insured amount of the contribution is as follows:

1. The depositor will find out what bank the agent was listed the insured amounts.
2. Contacts the separation of this financial structure, having an identity card with him. In some cases, you need to bring the original bank contract on the deposit. The heirs of the deceased investor additionally impose information on the right to the insured cash.
3. A statement is drawn up for the acquisition of the insured amount and is given to the representative of the Bank, which checks on the register of obligations the presence of this creditor in the general list.
4. Payments are made immediately after the depositor's appeal is convenient for it - in cash or transfer to the specified account.

Who may refuse payments

Some customers refuse to receive compensation payments. Sometimes banks to attract the means of wealthy people, put forward the most attractive conditions for deposits, the initial amount of which exceeds one and a half million rubles. It is clear that the difference between the exceedments between 1.4 million. Insured rubles and the value of the contribution will burn if the bank stops its work.

To try to avoid such an unpleasant situation, depositors, after the occurrence of the insured event, trying to "break" their deposits into several parts, opening new contracts or lists the amount of exceeding their relatives. The DSA sees fraud in such actions and refuses compensation. So that the non-payment of compensation does not happen, try not to open with your native accounts in one bank and do not translate them any amounts.

Video

Insurance deposits - A system that allows private depositors - individuals to receive funds when responded by a license or bankruptcy of a credit institution. For this, banks pay insurance premiums for attracted contributions to a specialized fund where payments are made in the event of a default.

Deposit Insurance History

The first system of compulsory insurance of deposits of individuals appeared in the United States during the Great Depression in 1933 on the basis of the Act of Glass-Sigala. At first, a specially created Federal Deposit Insurance Corporation paid no more than 5 thousand dollars per contributor. Subsequently, this amount was increased to 100 thousand for the winter of 2017, it is 250 thousand dollars. Similar deposit insurance systems also exist in other countries.

Insurance of bank deposits in Russia

At the same time, mandatory insurance of deposits of individuals in the Russian Federation serves as a condition for obtaining a license to attract the money of citizens.

Deposit Insurance Compensation Size

Upon the occurrence of the insured event, the bank of compensation is paid not only to individuals, but in the second place - individual entrepreneurs (IP). Russian customers receive 100% * from the amount of the insured banking deposit, but not more than 1.4 million rubles for all accounts in one bank. Also, from January 1, 2019, the deposit insurance system will spread to micro and small business. In the case of a review by the Central Bank of the license, the Company, which is part of the register of small and medium-sized businesses, will be able to return money posted on or deposit within 1.4 million rubles.

At the same time, the currency is recalculated in rubles at the rate of the Central Bank on the Day of the Insurance Case. Insurance payments on the contribution in one bank do not affect the amount of compensation in the event of a default in another bank for the same client.

* However, in the case of the existence of a loan in the same bank, the client will receive an amount of the contribution less the amount of debt.

Uninsured contributions

Non-Strakhov, i.e., not falling under the insurance system of deposits of individuals, the following types of funds include:

deposit on bearer;

funds transferred to the bank in trust management;

deposits in foreign branches of Russian banks;

money transfers without opening an account;

funds on impersonal metallic accounts.

In order to be guaranteed to receive compensation in the case of a review of a license or its bankruptcy, the contributor must be verified that the credit institution in which he opens the account is a participant in the system of compulsory insurance of deposits of individuals. Such information can be obtained, for example, on the SIR website.

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