How does deposit insurance work? What amount of deposit and interest will be returned in the event of bank bankruptcy State guarantee of deposits 1,400,000 in different banks

List of documents submitted to the individual entrepreneur's agent bank upon the occurrence of an insured event: - an application with a justified amount of the financial claim and a list of documents confirming the existence of bank obligations to the individual entrepreneur; — extracts from the Unified State Register, OGRN; — copy of TIN; — agreements for bank deposits, settlement and cash services; — writs of execution indicating that court decisions have already entered into force; — securities (including bills, bonds, certificates); — account statements indicating the latest receipts, financial balances as of the date of revocation; — payment orders, cash receipt orders, documents on cash contributions, other documents confirming cash receipts. What is the procedure for returning money from a bankrupt bank by legal entities? Current accounts of legal entities are not subject to compulsory insurance, hence the procedure for returning funds from a bankrupt bank is completely different.

Payment of money to depositors with a deposit amount exceeding 1.4 million.

This procedure occurs automatically and the client will receive only the difference in his hands. The situation with legal entities Deposits in banks can be placed by both individuals and legal entities.

However, state compulsory deposit insurance is not expected in this case. Today, legal entities can carry out the procedure for insuring their deposit on a voluntary basis, that is, by paying insurance premiums on their own.

The insurer in this case is not the DIA, but any insurance company. Today, the procedure for insuring deposits of legal entities is in its infancy and has many nuances and shortcomings.
Therefore, in the case of protecting such a deposit, you should approach the choice of an insurance company very carefully. Our website will help you find where deposits with interest are more profitable; we will select the best option to suit your requirements.

How to get insurance for deposits over 1,400,000 rubles (see)?

If earlier, in calm and well-fed years, it was possible to choose the bank with the highest interest rate, now it makes sense to choose a deposit from the point of view of security and convenience. What if you divide the amount into several different banks and put 1,400,000 rubles in each? It depends on how much you have, of course.
But if it’s not much more than the safety net, then you can try to divide it. Or choose a large and reliable bank, but of course the interest rates will be lower.
Do you know the answer? 0 need help? See also: How profitable is monthly capitalization of deposit interest? What is Bank Finance? Has the National Bank for Business Development been deprived of its license? When? What percentage of the profits in a business plan should be invested in the business? Bank "Finance and Credit" was declared bankrupt.

How does deposit insurance work?

Info

In Russia there is a mechanism for compulsory insurance of household deposits. The specially created Deposit Insurance Agency (DIA) will return your money even if your bank goes bankrupt.

The maximum amount that the DIA will return is 1 million 400 thousand rubles. The main points here are as follows. What deposits are covered by insurance Previously, insurance covered only deposits of individuals.
Recently it was extended to all citizens' bank accounts. Moreover, the funds of individual entrepreneurs are now also insured.

Attention

Exceptions: unallocated metal accounts (OMA), bank deposits to bearer and money transferred to the bank for trust management. Do all banks have DIA insurance? All banks that are participants in the deposit insurance system.

But if the bank does not participate in this system, then it does not have the right to accept deposits from the public.

The bank's license was revoked. how to return the deposit?

The exceptions are:

• funds from the accounts of individual entrepreneurs, notaries and lawyers;
• funds in trust management;
• deposits in precious metals;
• electronic money;
• bearer deposits.

What is covered by the protection of the deposit insurance system are funds located on the client’s debit accounts. These are deposits and plastic cards. And if almost every depositor knows about the deposit insurance system, only a few know that the funds in plastic card accounts are insured. Return of deposits is carried out if the bank’s license is revoked or if a moratorium on activities is imposed by the Central Bank of the Russian Federation. In these cases, the bank has the legal right to pay the funds no earlier than 10 days later.
The maximum payment period is 14 days.

Lost money from my deposit

An application for the return of funds on deposits of legal entities must be addressed to the appointed temporary manager (administration) already within the framework of bankruptcy proceedings. The temporary manager (administration) will add you to the list (register) of creditors and when the stage of settlements with creditors comes, the debts will be returned in accordance with the priority established by the Federal Law on Insolvency (Bankruptcy).
The arbitration manager maintains the register of creditors. If there are insufficient funds to pay debts to creditors, the liquidation commission sells the bank's property and redirects the proceeds to pay off debts. First of all, the requirements for payment of wages and severance pay are satisfied, insured deposits are paid, mandatory payments are made and individual entrepreneurs’ deposits are returned. Secondly, debts secured by securities are repaid.

How to return money from the deposit of individual entrepreneurs and legal entities. persons upon license revocation

Withdrawing several thousand from each deposit monthly (interest) makes it possible to have in your hands the necessary cash reserve for any occasion. In addition, interest withdrawal does not allow you to exceed the insured amount and eliminates the loss of interest in the event of unfavorable circumstances at your bank. the author of the question chose this answer as the best. If it’s scary to put an amount in one bank that exceeds the insurance amount, then you shouldn’t do it - take it to another bank, even at a lower interest rate. If, however, the desire to receive a higher income prevails, then you need to be prepared for the fact that you may lose some of your money. In order to receive the money remaining after payment of the insurance amount, there is a whole procedure; representatives of the temporary administration appointed after the revocation of the bank’s license will notify you of the next steps.

How much deposit and interest will be returned in case of bank bankruptcy?

Regardless of the grounds for revocation of a banking license, this fact is recognized as an insured event and entails payment of monetary compensation to depositors - individuals and individual entrepreneurs. Amount of compensation The amount of compensation to depositors is 100% of the deposit, but not more than 700 thousand rubles if the banking license is revoked before December 29, 2014, and only within 1.4 million rubles if the license is revoked after this date. For some specific situations the following is provided:

1. If a depositor has 2 or more deposits (accounts), compensation is paid for each of them in proportion to the size, but in total it will not exceed 1.4 million rubles. For entrepreneurs, this rule applies to both their individual deposits and their individual entrepreneur accounts.

• If the bank is liquidated voluntarily, then settlements with creditors are carried out within 2-3 months or more in accordance with the procedure provided for the procedure for voluntary liquidation of a legal entity. Requests for repayment of obligations must be sent to the temporary administration of the bank or the liquidation commission, if it has already been created and approved. Considering that voluntary liquidation of a bank is possible only subject to full settlement with creditors, the very fact that it has begun indicates a good chance for depositors and account holders to get their funds back.
• In the event of a bank reorganization, its obligations are transferred to the successor bank or several financial and credit institutions, which become obligated to return the deposit upon receipt of a corresponding application from the client.

Vbp Bank when will they pay the remaining money over 1,400,000

To submit such a requirement, you must fill out an application in the form posted on the DIA website. The deadline for submitting claims will be indicated in the notice of revocation of the license, and after being declared bankrupt - in the declaration of bankruptcy. In the event of an insured event associated with a moratorium on satisfying creditors' claims, the balance of the deposit can be received by the depositor after the end of the moratorium, unless the license is revoked. Pay reply Continue dialogue Sincerely, lawyer Melekhina N.V., http://advokatnadezhda.ru, +79257332402,

Moscow, st. Vasilisa Kozhina 14/2 I shake your hand, thank you! Similar questions I am a working retiree. Can I write an application to the Pension Fund to recalculate the amount of the insurance part of my labor pension if I worked for 3 years after receiving my pension? I estimate the material damage caused to me at 16 thousand.

Before the completion of the reorganization processes, demands can be presented to the administration of the reorganized bank.

• If bankruptcy proceedings are planned or have already been initiated against the bank, which in most cases occurs after the license is revoked, then depositors must address their demands to the temporary administration (before the appointment of an arbitration manager) or the manager (after the start of bankruptcy). Depositors are included in the register of creditors (creditor claims), and payments, if assets are available, are made according to priority.

  Unfortunately, the bankruptcy procedure can take a very long time, and bank assets are not always enough to pay off obligations. A good development of events can be called the bank reorganization procedure, including with the involvement of capital from other banks acting as investors.

If you want to open a deposit in a financial institution, you must request information about deposit insurance. Almost all banks licensed to carry out this activity insure their obligations to return the deposit to the depositor.

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

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

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In case of liquidation or reorganization of the company, the invested funds will be given to the owner.

Deposit insurance concept

Deposit insurance is a system that allows individuals to receive invested funds even if a financial institution is liquidated. The Central Bank obliged all credit institutions to join this system and pay a fee.

Every year, banks pay a fee for funds raised to a special fund, where they accumulate and then pay out the money to the depositor.

The concept originated in the United States of America during the repression in 1933. Then the payment was limited to 5 thousand dollars. Then the state increased it to 100 thousand dollars. Now in America the insurance fund pays out 250 thousand dollars.

Russia introduced such a concept a little over a decade ago. The Central Bank obliged financial institutions to insure their risks to all depositors.

At first, this action was not approved by banking sector experts. The bank limited the return to 700 thousand. Then it was enlarged. Now deposits are insured in the amount of 1,400,000 rubles.

Procedure for receiving insurance payments

Many citizens, having heard that their credit institution is leaving the financial market, rush to the branch demanding a return of the invested funds. The excitement does not lead to anything good, since at this time the bank is trying to implement a recovery policy.

The correct action in this situation is to wait and check the information on special sites. Knowing the course of events, a person will be able to contact the bank at the right time and receive his funds.

The minimum waiting time is a week. This is exactly the time required by the DIA to publish in the press the name of the bank that will pay the insurance. The payment takes place at a branch of a third-party financial institution-agent. This is the reserve bank to which insurance funds are transferred.

The bank must have many branches, which will allow it to cope with the influx of people. You should not contact immediately after receiving information. We need to wait until the influx of people subsides. An individual has the right to request the amount within two years from the date of revocation of the bank’s license.

With a passport, an individual goes to a credit institution and writes a corresponding application. Money can be received on the day of application. If the amount issued does not satisfy the client’s requirements, then he must provide supporting documents to the DIA.

State-insured deposits

All deposits are insured for a specific amount. But not all money invested in the bank will have insurance.

If the bank is a participant in deposit insurance, then all funds of individuals, regardless of citizenship and method of investment, will receive compensation for the deposit. Even if the deposit was opened in foreign currency.

Subject to insurance:

1. time and demand deposits, including foreign currency deposits;
2. current accounts, including bank cards;
3. money in the individual entrepreneur's account;
4. money in the nominal account of the guardian, beneficiary;
5. in escrow accounts for the transfer of funds to the real estate seller during the registration period.

What deposits are not insured?

Government-insured deposits are always paid to depositors. But not all investments fit this rule.

The following deposits are not covered by insurance:

1. bearer savings certificates;
2. on accounts of individuals without opening an individual entrepreneur;
3. on the account of a lawyer and a notary;
4. deposits abroad;
5. money transferred to a financial institution for trust management;
6. impersonal metal accounts;
7. money on electronic wallets.

Which institutions insure risks?

So which banks issue the insurance amount during liquidation? Before making your deposit, you need to check information about the availability of deposit insurance. This information is posted on the official website of each credit institution and on the website of the insurer.

All banks paying such fees offer to invest money at a small interest rate. Other organizations offering to open an account with a cost of over 14 percent per annum deceive citizens by not paying the insurance premium.

If such an organization is liquidated, the individual will not receive the invested funds.

At the moment, attractive offers of time deposits from banks:

Video: What you need to know

With replenishment

Insurance does not only cover time deposits. Having additional conditions in the form of replenishment, a person can get much more profit, even though the interest rate is slightly lower.

This type is offered by the following financial institutions:

Partial withdrawal

Without sufficient funds, each person can place savings without fear of losing interest on withdrawal.

Such offers are rare in the financial market. They are accompanied by a reduced interest rate, since the bank carries great risks of losing funds already invested in investment instruments.

The following banks offer this type of deposit with an insurance part:

Interest insurance payment

All individuals, when investing their savings, want to make a profit. But if a credit institution is declared bankrupt, then people wonder about returning the amount for interest.

According to the legislation to which the banking sector is subject, the investment amount and the interest accrued during the storage period are insured. From the date of liquidation or deprivation of the license, interest on the deposit ceases to accrue.

Money to receive is the principal amount of the investment + interest until the day the license is revoked. You can calculate the final amount using a special calculator on the website of the insurance company or bank.

If the investment amount is more than 1.4 million rubles

If the amount is more than specified, then getting the remaining amount will be problematic. A person receives 1.4 million rubles from an agent bank. Everything else is presented in court.

In addition to obligations to citizens who have invested funds, a banking organization has a responsibility to creditors. Other persons who have claims on the financial institution stand in line. All property is sold at auction. Then, the money received is returned to the creditors.

If there are enough funds, then the money is returned to investors who invested more than the established limit. The sale of capital is carried out by the Deposit Insurance Agency. It is in the interests of the investor and the lender to achieve a sale at an inflated price.

During the bankruptcy procedure, a committee of creditors is formed in court. There are investors there. In fact, the court defines them as creditors. This committee monitors the work of the DIA and ensures proper implementation. The company is elected based on the results of a vote of creditors.

Return Features

The current list of financial institutions participating in the CER can be found on the website of the State Insurance Corporation.

If a person has deposits in several banks, and the license of both is revoked at once, then he turns to the agents of each.

This is regulated by Article 11 of the Federal Law of December 23, 2003. If the amount does not exceed 1.4 million rubles, then the depositor makes claims against several banks simultaneously. The insured amount is calculated for each organization separately.

List of documents

To return the invested amount, the investor must provide the following documents:

1. a form filled out on the insurance company’s website;
2. identification document;
3. other documents (account opening agreement, investment receipts).

After providing documents, a person will be able to withdraw funds in cash or transfer them to another account. For the latter, you must write a special application indicating the account.

Good afternoon,

This bank's license has been revoked, which means it will soon be declared bankrupt.

Your claims in excess of the insured amount will be placed in the register of creditors' claims in the first place. Considering this, the chances of getting it are quite high. But of course you will have to wait, most likely for a considerable time (more than a year).

Article 189.92 of the Federal Law “On Insolvency (Bankruptcy)”
The order of satisfaction of creditors' claims during bankruptcy proceedings
1. The fulfillment of obligations to creditors of a credit organization during bankruptcy proceedings is carried out in the order established by this Federal Law, taking into account the specifics established by this paragraph.
2. Out of turn, at the expense of the bankruptcy estate, the current obligations of the credit organization provided for in Article 189.84 of this Federal Law are fulfilled. The order of fulfillment of the credit institution's current obligations is determined in accordance with Article 855 of the Civil Code of the Russian Federation.
3. First of all, the following are satisfied:
1) claims of individuals to whom the credit institution is liable for causing harm to their life or health, by capitalizing the corresponding time payments;
(as amended by Federal Law dated June 29, 2015 N 186-FZ)
2) claims of individuals who are creditors of a credit institution under bank deposit agreements and (or) bank account agreements concluded with them (except for persons engaged in entrepreneurial activities without forming a legal entity, if such accounts (deposits) are opened for the implementation of business activities provided for by federal law, as well as lawyers, notaries and other persons, if such accounts (deposits) are opened for the implementation of professional activities provided for by federal law activities, and the persons specified in paragraph 6 of this article);
(as amended by Federal Law dated July 13, 2015 N 229-FZ)
3) the Agency’s claims under bank deposit agreements and bank account agreements, transferred to it in accordance with the Federal Law “On Insurance of Individuals’ Deposits in Banks of the Russian Federation” and as a result of the payment for the bank of compensation to the acquirer for the value of the property returned in the order of reverse transfer in accordance with with Article 189.55 of this Federal Law;
4) claims of the Bank of Russia transferred to the Bank of Russia in accordance with this Federal Law as a result of payments by the Bank of Russia on deposits of individuals in banks declared bankrupt and not participating in the system of compulsory insurance of deposits of individuals in banks of the Russian Federation.
4. The claims of creditors for obligations secured by a pledge of property of a credit organization are satisfied at the expense of the value of the collateral primarily to other creditors, with the exception of obligations to creditors of the first and second priority.
The creditor's claims under the obligation secured by a pledge of rights under a bank account agreement are satisfied by the bankruptcy trustee writing off funds from the debtor's pledge account and issuing them to the creditor under the obligation secured by a pledge of rights under a bank account agreement, or by crediting them to the account specified by such creditor, for deduction of funds allocated to satisfy the claims of first and second priority creditors.
5. After satisfying the claims of the first and second priority creditors, as well as the claims of the creditor under the obligation secured by the pledge of rights under the bank account agreement, the pledge account is subject to closure in accordance with the requirements of paragraph 3 of Article 189.88 of this Federal Law.
6. Claims of individuals who are creditors of a credit organization under bank deposit agreements and (or) bank account agreements concluded with them for compensation for losses in the form of lost profits, as well as for payment of amounts of financial sanctions are included in the claims of creditors satisfied in the third place .
7. The claims of employees of a credit institution for the payment of severance pay, compensation and other payments, the amount of which is established by the relevant employment contract, in the event of its termination in part exceeding the minimum amount of relevant payments established by labor legislation, are not among the claims of second-priority creditors and are satisfied after satisfying the claims of third-priority creditors.

A deposit is the most convenient way to save. Making a deposit today is a fairly simple process because you can make a deposit without leaving your home. However, in crisis conditions, when many banks are deprived of their license, the question arises: can you trust your money to financial institutions? The state took care of this by offering deposit insurance in 2019.

The main point

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

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

The deposit insurance system is subject to Federal Law No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation”. The main goal of this system is to protect citizens’ funds placed in Russian bank accounts.

In general, protecting citizens’ funds is a priority task of any state. The insurance system operates in the USA, Japan, Ukraine and some other countries that are members of the European Community.

The deposit protection system works according to the following principle. If a financial institution ceases to exist or becomes a bank, its license is revoked and funds from the accounts are paid to depositors. This procedure does not require prior agreement, since it is carried out by force of law.

The Deposit Insurance Association of the Russian Federation takes on all the bank's debts, paying depositors money. Next, the agency independently sorts out the relationship with the credit institution for debt repayment.

Deposit insurance is carried out within the amount 1400000 rubles. Moreover, if the depositor keeps funds in the bank in different accounts, he still will not be able to receive funds exceeding the specified amount. But if accounts are opened in different banks, then each account guarantees a refund of the amount up to 1,400,000 rubles.

Basic provisions

Mechanism

The process of deposit insurance is simple and has its own characteristics. First of all, money is deposited and an agreement is concluded with the bank.

The deposit automatically falls under the insurance system if the bank has the appropriate license. In this case, a specialized insurance contract is not required.

For participation in the insurance system, the financial institution pays the DIA monthly 1% from the amount of the deposit portfolio. In other words, the bank pays for deposit insurance, not the client.

Thus, investors are protected by law. Customers using debit cards are also protected.

What is not taken into account

All client funds, including those on debit cards, are covered by insurance.

The exceptions are:

• funds from the accounts of individual entrepreneurs, notaries and lawyers;
• funds in trust management;
• deposits in precious metals;
• electronic money;
• bearer deposits.

What is covered?

Funds located in client debit accounts are protected by the deposit insurance system. These are deposits and plastic cards. And if almost every depositor knows about the deposit insurance system, only a few know that the funds in plastic card accounts are insured.

Return of deposits is carried out if the bank’s license is revoked or if a moratorium on activities is imposed by the Central Bank of the Russian Federation. In these cases, the bank has the legal right to pay the funds, no earlier than through 10 days.

The maximum payment period is 14 days. Funds are transferred to depositors through another bank or via Russian Post.

Lists of participating banks

Deposit insurance is provided by the DIA. The organization maintains a register of program participants and an insurance fund, which is created by participating banks through monthly insurance contributions. To date, the list includes 840 participants. Full information can be found on the DIA website.

Below we present a list of participating banks of the Russian Federation, which are the most reliable in Russia, since they have been included in the register of insured for a very long time:

• Stella Bank;
• Vega Bank;
• Post Bank;
• Rus;
• Gazbank;
• Zarechye;
• Arksbank;
• Rinvestbank;
• Eurocitybank.

When making a deposit, be sure to look at the current information on, since the list is very flexible and the number of banks decreases every year.

It is also worth checking the information at the bank office: upon request, the specialist must provide a license for a participant in the deposit insurance system

Controversial issues of deposit insurance

Refund

Despite the fact that the insurance system operates more 12 years, when paying insurance compensation, controversial issues arise. Any investor should know their rights.

According to modern legislation, the DIA pays 100% from the deposit amount, not exceeding 1,400,000 rubles.

If the deposit was opened in another currency, then the funds are converted at the rate on the day of the insured event. It is worth noting that the cost of compensation is gradually increasing and until 2019 it was 700 thousand.

Thus, the state offers fairly large compensation for the occurrence of an insured event.

It is worth noting that if the investor also has a loan, then the payment will be made minus the debt. This procedure occurs automatically and the client will receive only the difference in his hands.

The situation with legal entities

Deposits in banks can be placed by both individuals and legal entities. However, state compulsory deposit insurance is not expected in this case.

Today, legal entities can carry out the procedure for insuring their deposit on a voluntary basis, that is, by paying insurance premiums on their own.

The insurer in this case is not the DIA, but any insurance company. Today, the procedure for insuring deposits of legal entities is in its infancy and has many nuances and shortcomings. Therefore, in the case of protecting such a deposit, you should approach the choice of an insurance company very carefully.

How to act

To receive a deposit after the bank’s license has been revoked, you must contact the bank itself. After the occurrence of an insured event, DIA within 1 week publishes in the “Bulletin of the Bank of Russia” a register of obligations to depositors.

Such a register also appears on the Agency’s website. During 1 month The DIA sends a notification to each depositor about payments.

After receiving the notification, the depositor is required to provide the DIA with an application and passport. After this, the DIA provides a register indicating the amount of insurance compensation and within 3 days transfers funds to the investor. But only after two weeks had passed since the bank’s license was revoked.

After receiving funds, depositors sign a certificate, a copy of which is sent to the bank.

Possible problems

When receiving insurance compensation, a number of problems may arise, the solution of which requires certain knowledge from the investor:

The amount paid is less than stated	If the amount of accrued remuneration does not suit the client, he has the right to contact the DIA with additional documents stating that the amount does not correspond to the real one. In this case, the claim is sent to the bank, and after that changes are made to the Agency’s register.
Violation of application deadlines	An application for receiving money must be submitted within the deadlines established by law and no later than the end of the liquidation of the bank. If the client did not manage to do this on time, then he can count on payment of funds only if the reason for not submitting the application is valid (serious illness, business trips, etc.).
Availability of a loan from this bank	The depositor will receive only the funds remaining after the loan amount along with interest is deducted from the deposit.
The deposit amount is greater than the insurance compensation	If it turns out that the amount in the account is more than the insurance amount, then the depositor can count on them after bankruptcy proceedings (when the bank’s property is sold). In this case, it often turns out that the property is not valuable enough and there are not enough funds to pay all the debts. Therefore, depositors' demands will be satisfied on a first-come, first-served basis.

Thus, if problems arise, you must immediately contact the DIA. Specialists try to help any investor as much as possible by returning the invested funds.

FAQ

Despite the fact that the insurance system has been in effect since 2004, investors have many questions about protecting their savings.

Let's present the most popular of them:

Is accrued interest on the deposit insured?	The deposit consists of two sub-accounts. One of them takes into account interest, and the other - the amount of the principal deposit. If the deposit involves capitalization, that is, adding accrued interest to the amount of the main deposit, then the interest will be insured. If the interest is in a separate account, then only the amount of the main deposit is subject to reimbursement.
How much insurance compensation can be received from one bank?	To date, the amount of compensation is 1400000 rubles. This payment is expected for banks whose licenses were revoked after 2019. If the license was revoked before 2008, then only 400,000 rubles, if before 2007, then 190,000 rubles, and until August 2006, then only 100,000 rubles. In general, the case for refund of funds does not have a statute of limitations, and even if all legal deadlines have passed, you can try to get your funds back.
If deposits are placed by a husband and wife in the same bank, then what kind of compensation is due?	Since the investors are different people, each individual will receive 100% deposit amount not exceeding 1400000 rubles.
If a depositor has several accounts in one bank, can he count on receiving 100% of the amount for each as part of a possible insurance compensation?	The amount of compensation does not depend on the number of accounts in one bank. If the total cost of desochites is higher than 1400000 rubles, the investor has no right to count on an amount greater than this. In order to fully insure your savings, it is better to place money in different banks.
The bank had financial difficulties and I decided to withdraw my deposit. Employees refuse payments in full and are advised to write an application for payment of the contribution in installments. Should I agree?	If a bank cannot meet its obligations, its license is revoked. You can write an agreement for payment in installments, but in this case the accrued interest will most likely be lost. You can wait until the license is revoked and then, under the insurance system, the bank will pay the entire amount with interest. However, if the amount of deposits in one bank exceeds 1400000 rubles, then it’s better to actually write an application for partial withdrawal.