Insurance amount of deposits. What deposits are insured by the state? How to check if a bank deposit is insured

Bank deposits of citizens in Russia are insured by the state. So that in the event of a bank bankruptcy (the Central Bank often revokes licenses from banks), depositors are not left with nothing, there is a deposit insurance system. It works as follows: all banking organizations contribute a certain amount to a specialized agency, which, through these insurance premiums, compensates depositors of bankrupt credit organizations for their savings. What amount of bank deposit is insured by the state in 2018: the maximum amount of deposit compensated by the state within the insurance system.

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What amount of deposits are insured by the state in 2018?

Until 2015, the maximum amount of an insured deposit was 700,000 rubles. 3 years ago it was doubled. Since then everything has remained the same. The maximum size of a bank deposit insured by the state in 2018 is 1.4 million rubles.

Deposit insurance in Russia has some important nuances that should not be forgotten.

First of all, deposits are insured only when the bank interacts with the DIA - Deposit Insurance Agency. It manages the insurance premiums paid by banks in the event of bankruptcy - its own or competitors.

The legislation also provides for a certain controversial issue. Both the deposit as such and the interest accrued during the time the deposit was placed in the bank are insured.

In principle, this is fair - the client of a bankrupt bank receives a 100% refund, without at the same time losing on the capitalization of the deposit. The problem is that, to a certain extent, this legislation encourages unscrupulous banks.

What is the disadvantage of this norm? One of the clear signs of a bank having problems is the promise of increased interest on deposits. This is how the bank attracts new clients who bring it money. It is possible that the bank is in dire need of this money, since it has begun to operate as a kind of pyramid, paying off its own debts through new contributions.

Sooner or later (certainly sooner) such a pyramid will burst. What is important is that financially literate depositors are well aware of this, and nevertheless, they bring money to the bank, because they know that the state will compensate both the deposit and the favorable interest on it.

It is clear that the Central Bank immediately looks at banks offering suspiciously high interest rates on deposits. But there is some gap in the legislation.

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How are bank deposits insured in 2018 if one person has several of them?

Everything will depend on whether you have 2 or more deposits open in one bank, or whether you keep your own funds in a number of banks.

If a person has deposits in several banks, then it’s simple here - each of them is individually insured for 1.4 million rubles. For this reason, you can deposit several millions in several banks. Even if 2 or 3 banks go bankrupt, funds from each account will be returned as part of the insurance program.

But if a person has several deposits totaling more than 1.4 million rubles in one bank, in fact it is the same as if it were 1 deposit for such a significant amount.

In these situations, the right to compensation will remain, but the manner of compensation will be different.

For amounts over 1.4 million, a separate application will need to be submitted, and after that the person will be in line. It will take a long time to wait for compensation - the Deposit Insurance Agency is selling the property of a bankrupt bank to compensate for payments to priority creditors. Only after this, if anything remains from the proceeds, will additional compensation be paid.

Naturally, in practice in such a case it will be possible to get something either not soon or never.

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What to do if the bank goes bankrupt

If your bank has been declared bankrupt, there is no need to panic. Within 2 weeks after the bankruptcy declaration, temporary management will be installed in the bank. Payments to clients will be made by the agent bank; it will be determined by the DIA. You can see which bank it is and where you will need to go on the portal of the Deposit Insurance Agency or on the portal of the bankrupt bank.

To receive a refund, you will need to appear and submit an application. For this purpose, as a rule, it is enough to come to a bank branch with a passport and an agreement to open a deposit.

If he talks about those who took out a loan from a bank that went bankrupt, then if there is a deposit in this bank, as a rule, the size of the loan is reduced by the size of this deposit. Also keep in mind that you should not make a mandatory payment without providing updated details. Funds may disappear, and then they will have to be found and returned. It is better to wait until the updated details appear or ask the bank what needs to be done.

• Deposits opened with a bank that is a participant in the deposit insurance system.
• Deposits of individuals opened both in rubles and in foreign currency.
• Interest on the deposit is also subject to insurance if it has already been added to the principal amount of the deposit (capitalized).
• Funds on salary cards, funds on cards for receiving pensions or scholarships.
• Accounts of individual entrepreneurs, if they are not opened for professional activities.
• Cash on any debit card, if one was opened with the opening of the account.
• Personalized bank certificates.
• Escrow accounts for payments for the purchase/sale of real estate during the period of its state registration.

Not insured

• Funds in trust management of the bank.
• Funds deposited to bearer.
• Bank certificate to bearer.
• Deposits opened in branches of Russian banks abroad.
• Funds for individual entrepreneurs, lawyers and notaries, if accounts are opened in connection with professional activities.

Sum insured

• The maximum insured amount per individual for one bank is 1.4 million rubles for deposits in rubles or the ruble equivalent for deposits in foreign currency.
• Payments are made in rubles. For deposits in foreign currency, the calculation is made at the official exchange rate of the Central Bank at the time of license revocation.

In 2018, all deposits of Russians, as before, are subject to insurance in the amount of 1.4 thousand rubles. The insurance payment increased from 700 thousand rubles to the specified limit in 2015 in accordance with the amendments made to Federal Law No. 177 of December 23, 2003 “On insurance of deposits of individuals.” Thus, if a bank loses its license or goes bankrupt, depending on the circumstances, the state fully (partially) reimburses the funds deposited. Which deposits are insurable and which are not? How many deposits can be insured in one bank and does the insurance program apply if more than two accounts are opened in one bank? Is the insurance amount expected to increase? We will answer these questions in this article.

Features of deposit insurance

A deposit is considered insured only if the credit institution officially cooperates with the Deposit Insurance Agency (DIA). The amount of the insurance payment is the amount initially deposited into the account, as well as accrued interest. The agency manages the compulsory deposit insurance (CDI) system in Russia, guarantees the receipt of insurance compensation, and protects the savings of individuals and individual entrepreneurs placed in accounts with financial institutions in Russia.

The state CER program is implemented in accordance with the Federal Law on Insurance of Individuals' Deposits in Russian Banks. Similar savings insurance systems are common in more than 100 countries around the world, in the CIS (Belarus, Armenia, Azerbaijan, Ukraine, Kazakhstan), and the countries of the European Union. You should know that a client can insure several deposits at once in one bank. There are the following features of the functioning of the CER in the event of an insurance situation:

• Insurance covers the deposit 100%, provided that its amount does not exceed 1.4 million rubles;
• If there are two or more accounts in one bank, the total amount of which significantly exceeds the insurance compensation, the depositor has the right to submit an application for the remaining amount and join the waiting queue - “on demand”. It must be remembered that such payments are made only after the DIA sells the property of the bankrupt bank to pay off debts to primary creditors. And only then does the procedure for providing additional compensation begin;
• If deposits are placed in several banks, then the maximum amount of compensation for each of them will also be no more than 1.4 million rubles;
• Insurance compensation to individual entrepreneurs is paid last, after the return of deposits to all individuals;
• The payment period is 14 days from the date of occurrence of the insured event.

If there is a foreign currency deposit, compensation is paid in Russian rubles according to the Central Bank exchange rate valid on the day the insurance situation occurs. Interest on the deposit is calculated according to the agreement. If a monthly interest supplement is provided, the investor receives the down payment plus interest for the period of opening the account. If interest is accrued during the term of the deposit, the “On Demand” rate is applied.

What to do if a bank goes bankrupt?

If the financial institution where the deposit was made has lost its license or is at the stage of bankruptcy, clients should not panic. It must be remembered that within two weeks the Deposit Insurance Agency will appoint temporary management, and the agent bank will handle the return of funds. Where can I find out who has taken over the responsibilities of a bankrupt financial institution? This information is usually posted on its official resource or on the DIA website.

Affected clients must visit any branch of their bank and, having with them a passport and a bank agreement for opening a deposit, write an application for the return of savings.

If the depositor has a loan from the same bank, its size will be reduced by the amount of the existing deposit. Specialists can offer early repayment of debt on preferential terms (for example, a reduced rate). Until there are new details, you should not make the required payment, because the funds may not be taken into account. However, if the next payment has already been made, you must keep the receipt for this transaction.

Are all deposits subject to insurance?

DIA insures deposit accounts and deposits of ordinary citizens. It should be remembered that only financial institutions participating in the insurance system can work with private deposits without obstacles. Deposits are insured from the moment the bank is included in the relevant register. Regular deposits opened in the name of the client, pension, salary and other accounts that provide for the receipt of all kinds of payments are subject to reimbursement. The exceptions are:

• Accounts of notaries and lawyers opened due to the formation of a legal entity;
• Savings deposits to bearer;
• Money located in foreign branches of banking organizations;
• Prepaid bank cards and electronic money;
• Trusted accounts;
• Metal impersonal deposits;
• Escrow accounts, excluding open deposits for the purpose of organizing a real estate transaction.

Today, not every credit organization seeks to cooperate with the DIA, because this service is provided on a paid basis. Therefore, depositors in many banks risk not receiving compensation. If a citizen wants to open a deposit in 2018, he should definitely ask a bank employee whether the planned deposit is insured. You can find out about the participation of a specific financial institution in the DIC through the website of the DIA or the Central Bank, as well as call the hotline number of the selected bank. We described in detail the procedure for checking a banking institution for participation in the CER.

The creation of a bank investment insurance system is a special state program, which is being implemented in accordance with the Federal Law “On Insurance of Individual Deposits.” persons."

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Its main goal is to protect citizens’ savings, which are placed on deposits in Russian banks. Protecting the interests of citizens is one of the important social tasks in dozens of countries around the world.

The investment insurance system allows the investor to return funds from the deposit in the event of bank bankruptcy or in the event of license revocation. In this case, a fixed amount of funds is immediately transferred to the client.

When transferring money to a banking organization, you need to have information on how to reduce potential losses and obtain insurance if an insured situation occurs.

General points

Now the essence of investment insurance in Russia comes down to the fact that even if the bank to whose accounts the money was transferred goes bankrupt, the individual. a person can hope for an absolute return on the money invested.

In this situation, it turns out that no crises can any longer cause bank clients to lose money.

The insurance system was created thanks to the work of a special fund at the Central Bank, where all banks must deposit their reserves in order to receive.

Consequently, the presence of a banking organization license guarantees that in the event of an insured event, the Central Bank will pay off all depositors with funds from the reserve fund.

However, insurance is not issued for all deposits and requires compliance with important conditions. The role of the insurer belongs to the Private Investment Insurance Association (DIA).

If a bank goes bankrupt or its license is revoked, the agency pays depositors. All deposits are insured, including investments in foreign currency.

The investor does not have to enter into anything separately or contact another company, which is quite convenient.

What it is

Deposit insurance is a means of protecting the rights and interests of individuals. persons in the financial sector, when investing money in deposits.

The insurance system applies to the financial assets of individuals that are in accounts in banking organizations and are involved in investments with interest accrued.

Uninsured financial assets are:

1. On the accounts of private individuals - businessmen without legal education. persons when the deposit was issued for carrying out entrepreneurial activities.
2. On the accounts of lawyers, lawyers, etc., when the deposit account is issued for professional work.
3. In bearer deposits.
4. Funds provided to a banking organization on trust terms.
5. Electronic money.
6. Investments in offices abroad of the Russian Federation.

List of financial and credit organizations

Insurance of deposits of individuals in banks of the Russian Federation list of banks that are among the top banking organizations for processing deposits:

VTB 24	Unites more than twenty credit organizations. VTB 24 remains firmly committed to increasing customer trust, reliability and openness
Alfa Bank	Constantly takes part in the investment insurance system, owner of various awards in the financial field
Binbank	Harmoniously combines international experience with the realities of the local market. Each deposit of private individuals is certainly insured by the insurance system
Gazprombank	It cooperates with the main areas of the Russian economy and has branches in many European countries. The bank has more than 4,000,000 individual clients
Deltacredit	Any actions of individuals in the bank are certainly protected by insurance. There are good offers for opening deposit accounts here
Rosselkhozbank	This company, like many banking institutions in Russia, participates in the deposit account insurance system, so in the event of an insurance situation, clients will be able to receive compensation specified by law. Today, this amount cannot be higher than RUB 1,400,000. In this case, all bills are subject to reimbursement with interest, but not more than the assigned amount.

Legal grounds

The goals of the law are to increase the attractiveness of financial banks for the population, strengthen confidence in Russian credit companies, and create equal competitive conditions for banks that attract deposits from individuals. persons

According to this law, those insured in rubles or in a Russian institution on the basis of a concluded agreement.

The deposit will be given in the amount of 100 percent of the original amount, but not higher than the amount prescribed by law of 1 million 400 thousand rubles.

Accordingly, in the case where the client has several accounts in one institution, and their total value is above 1.4 million rubles, compensation will be paid for each deposit account in proportion to its amount.

The insured event occurs in accordance with, from the moment the institution is deprived of the right to provide services. Since January 2004, the Deposit Insurance Agency has existed.

This organization guarantees the operation of the deposit account insurance system, returns funds if an insured event occurs, checks the insurance fund and controls its money.

How does the system of compulsory insurance of deposits of individuals work in Russian banks?

The insurance procedure is quite simple. The investor deposits funds into a banking organization and draws up a deposit agreement.

There is no need to conclude a separate agreement to obtain insurance - all technical aspects of cooperation with an investment insurance agency fall on the shoulders of the financial company you choose.

Every quarter, the bank pays an insurance premium to the deposit insurance agency in the amount of 0.1 percent of the size of the entire investment portfolio.

Based on this, insurance is paid not by clients, but by banking institutions themselves. All financial assets placed in the accounts of individuals, including those on debit plastic cards, are insured.

The exceptions are:

1. Money in personal accounts persons - individual entrepreneurs without education.
2. Bearer investments.
3. Financial assets given by an individual to a banking organization in a trust institution.
4. Electronic financial means.
5. Money placed in deposits abroad of the Russian Federation.

Insurance situation according to Art. Federal Law No. 177 is:

1. Revocation by the Central Bank of Russia or cancellation of the license of the banking organization in which you had a deposit.
2. Moratorium of the Central Bank of Russia on confirming requests from other lenders of the bank.

This result is likely during times of great financial difficulties for a banking organization, its absolute bankruptcy, or during an economic crisis.

How and in what amount can investors receive compensation for their deposits?

What is the amount of compensation (amount)

According to Russian legislation, depositors can count on a full return of money from the deposit in a situation if their deposit in one bank does not exceed 700 thousand rubles.

Therefore, if physical a person wants to deposit 2 million rubles in a bank, then they must be divided between three banks

Indeed, in this situation, the amount in the accounts of these organizations will not exceed the limit of 700 thousand rubles, and all investments will be insured.

In accordance with current laws, compensation is provided in the amount of 100 percent of the amount of deposits in the institution, but not higher than 1.4 million rubles.

Foreign currency investments will be recalculated based on the exchange rate of the Central Bank of Russia operating at the time of the occurrence of the insurance situation.

Accordingly, in a situation where the client has several deposit accounts in one banking organization, and their total size is above 1.4 million rubles, compensation will be paid for each investment in proportion to its value, but not higher than the insured amount.

When financial assets are placed in several banking organizations, the client can withdraw up to 1.4 million rubles from each of them.

Note that if the investor had more than the insured amount in his account, the client has the right to claim the remaining funds, but only during bankruptcy proceedings, when the property of the banking organization will be sold.

Payments are made on a first-come, first-served basis, and not all clients' claims can be verified

It should be remembered that when in the banking organization in respect of which the insured event occurred, you had not only a deposit account, but also a loan, the amount of compensation will be assigned based on the difference between the amount of the deposit account and your loan obligations.

Are foreign currency deposits insured?

According to the accepted banking system with all the provisions operating on the territory of the Russian Federation, foreign currency accounts, like ruble investments, take part in the insurance program.

The maximum amount of insurance that an investor can receive is no more than 400 thousand rubles.

When the banking organization with which the contract was concluded recognizes itself as bankrupt and is unable to pay the outstanding funds, the amount on deposit is automatically converted into national currency and is subject to subsequent payment.

When the amount in the account exceeds the established amount for the payment of funds to the depositor, the client stands in line and awaits payment from the established lender.

Latest changes in this matter

Despite the fact that back in 2016, the head of the government of the Russian Federation, Dmitry Medvedev, spoke about the absence of changes in the system of insurance of bank investments of private individuals, some innovations were nevertheless introduced.

In general, this process has been mandatory for all Russian banking organizations since 2003, when the corresponding legislative act began to work

Deposit insurance demonstrated its relevance during the crisis of 2008, when, as a result of the collapse of financial and credit companies, many citizens of the Russian Federation were left without their deposits and savings.

Who is obligated to pay

Insurance compensation for the deposit upon the occurrence of an insured situation is paid by the Deposit Insurance Agency.

The DIA pays the client an amount of money, which is determined based on the amount minus the requests of the banking organization (in particular, the amount of the depositor’s debt to the institution).

Compensation is paid in full for invoices whose total volume does not exceed 1,400,000 rubles.

Does it apply to plastic cards?

The bank deposit insurance system applies not only to investments, but also to the amounts that depositors keep in accounts or debit cards.

The main condition is that the financial organization be a participant in the deposit insurance system (you can view the list of participating banking companies on the official website of the Deposit Insurance Agency).

Insurance in the event of revocation of a financial institution's license is valid for amounts up to 1,400,000 rubles.

It is necessary to pay attention - in one banking organization you can have several programs in the bank (deposits, accounts, debit cards), but in order to receive insurance, their total amount (including interest) should not exceed 1,400,000 rubles.

The banking crisis in the country and the difficult economic situation make people think about how reliable banks are, whether investments on deposits are protected and what is the amount of deposit insurance. Almost every month the Central Bank of the Russian Federation revokes the license of any financial and credit organization. The state is trying to protect citizens' savings in banks, so depositors should know how much the insured deposit amount is, who makes payments to reimburse investments, and what procedure for applying to the DIA is accepted.

What is the deposit insurance system

To avoid panic among citizens when the banks where they invested their funds stop servicing legal entities and individuals, the state created a special instrument that protects citizens’ savings by determining what the insured amount of the deposit should be, subject to compensation when a credit institution’s license or temporary license is revoked. termination of its work with debtors and creditors.

The deposit insurance system (DIS) based on government support has been adopted in many countries around the world. Its work is aimed at stabilizing the activities of the banking sector, preventing panic, increasing public confidence in banks and reducing the likelihood of a collapse of the national currency - if a person knows that there is a guarantee of return on invested funds, then he calmly takes these actions to obtain fireproof investments.

Mechanism of action

If the bank goes bankrupt, loses its license, or other force majeure circumstances occur due to which the credit institution cannot fulfill its obligations to depositors, then the invested funds do not “freeze”, but are quickly returned to the depositor in the amount specified by law. The maximum amount of the insured deposit for 2017 is 1,400,000 rubles - if the invested funds do not exceed this amount, they can be returned along with accrued interest on the basis of an agreement with the bank.

DIA functions

All operations for the return of insured deposit amounts are carried out by a specialized agency (DIA), acting by order of the state and guided by Federal Law No. 177 of December 22, 2003 or other regulatory documents. More than 100 billion rubles have been accumulated in the DIA accounts, which consist of contributions from the state, banks participating in the system and investment of invested amounts in certain assets, securities and other income-generating instruments.

All information is posted on the official website of the DIA, where depositors can familiarize themselves with how this structure makes payments of insured money, with the register of banks participating in the system, and the nuances of settlements. According to accepted requirements, any credit and financial institution that accepts client money for deposits is obliged to become a participant in the CER and pay certain interest on the CER, as well as insure the client’s deposit and indicate this clause in the agreement. The DIA is required to provide a register of participants in this program.

Deposit insurance amount

Experienced specialists advise opening deposits in different banks if the depositor operates with large amounts of investment, since in one financial institution you can receive no more than 1.4 million rubles from the insured deposit amount, regardless of the number of deposits and the size of finances. In this case, it does not matter whether the investments were placed in the bank itself or in its subsidiary - only the specified amount will be reimbursed - 1,400,000 rubles. There are some nuances when compensation:

• Regardless of the currency of deposits, compensation occurs in rubles, converted at the rate at the time the bank ceases its work.
• Not only depositors' investments are compensated, but any accounts with a debit balance - salary accounts, savings accounts, owned by private entrepreneurs.

Which banks are insured by the state?

A complete list of financial organizations whose contracts with depositors must include the insured amount of the deposit is on the official website of the DIA, where you can see the current state of affairs in a particular credit structure - whether it is a participant in the system, excluded from it, whether it has the right accept citizens' funds for deposits. As of October 24, 2017, there are 788 participating banks in the register, of which the largest can be identified - Sberbank, VTB 24, Alfa Bank, Raiffeisen Bank, Gazprom and others.

How to check if a bank deposit is insured

On the main page of the DIA website, select the section on the list of insurance participants, type the full name of the credit structure and check the information about whether it is part of the general insurance system. Many banking companies treat their investors in bad faith, hiding their investments from accounting, so there have been cases where the insured amount of the deposit was not compensated during the liquidation of the bank, despite the fact that it was listed as insured in the contract. To avoid such trouble, follow these recommendations:

• keep your copy of the contract with the bank, all checks and receipts for depositing funds into the account;
• require employees to track the movement of your money;
• regularly obtain account statements with stamps and signatures from the bank indicating that the funds are on deposit.

What deposits are insured by the state?

The DIA emphasizes that not only the insured amount of the deposit is subject to compensation, but also the interest that the financial organization has undertaken to accrue. The following types of investments are compensated:

• deposits under any conditions - term deposits, with interest capitalization, on demand;
• money lying on salary, pension, savings, and other debit accounts;
• amounts located in the current accounts of individual entrepreneurs for the implementation of work;
• reserved funds in guardian accounts intended for payments to wards;
• funds in special accounts reserved for the execution of real estate transactions.

Which deposits are not subject to compulsory insurance?

Not all funds in debit accounts are refunded. The following investments are not subject to compensation:

• amounts in the accounts of persons engaged in notarial or legal work, intended for the implementation of their functions;
• funds in unnamed bearer accounts, incl. on savings books, metal deposits and certificates;
• amounts held by banking structures in trust;
• deposits of branches of Russian banking organizations located abroad;
• amounts on electronic wallets belonging to this credit structure;
• all finances held in nominal debit accounts, except for trustee and guardianship accounts.

Refund Features

Many depositors have questions regarding the specifics of their contractual relationship with the banking structure, regarding whether the insured amount of the deposit is subject to compensation or not. It is necessary to monitor all changes in federal regulations and laws regarding the procedure for payments under certain contracts. You can find out about your situation by opening the tab on the DIA website regarding constantly asked questions and answers. If the information is not found, then call the agency hotline number provided.

Foreign currency deposits

Along with ruble deposits, foreign currency deposits opened in Russian banks participating in the CER are considered insured. However, there are some nuances when compensating them. All deposits in foreign currency are compensated in rubles, based on the dollar exchange rate at the time of the insured event. The latter include the following events:

• revocation by the Central Bank of the existing license for banking activities;
• imposing a moratorium (temporary cessation of all activities) on transactions with depositors, creditors and other persons who are clients of a given banking organization.

The financial and credit structure must fulfill obligations to its depositors, therefore all due interest on investments is accrued on the date of the occurrence of the insured situation, and is compensated according to the deposit contract, within the time frame established by it, in contrast to the body of the deposit, which is reimbursed almost immediately after force majeure circumstances . The last day for calculating additional interest payments is considered to be the moment the insured event occurs.

Savings certificates

A deposit opened by a banking structure, certified by a personal certificate (indicating a specific person on the official form of the document), is insured. The owner is entitled to compensation payments due at the face value of this security. You can receive finance in accordance with the general procedure established by the DIA. However, if the certificate was issued not to a specific citizen, but to the bearer, then it will not be possible to insure or reimburse it. Be sure to take these nuances into account when registering securities.

Funds in individual entrepreneurs' bank accounts

Until January 1, 2014, all money available in the debit accounts of private entrepreneurs was not compensated, as were funds from legal entities. However, if the insured event occurred after January 1, 2014, the entrepreneur has the right to receive his finances back if they do not exceed 1,400,000 rubles. If an entrepreneur had accounts with a banking company opened for an individual and for carrying out activities, they will be compensated in proportion to the deposits, however, the total compensation does not exceed the established maximum amount.

Insurance amount for deposits - procedure for receiving

If a bank’s license is revoked, then over the next week the DIA distributes information in the media about the agent bank where you can receive the insured deposit amount. The law allows the depositor to receive his finances directly from the DIA, but not earlier than 2 weeks after the occurrence of the insurance situation. An agent is selected with a large number of branches and divisions in order to eliminate the rush among depositors.

The depositor himself or his heir can contact the DIA or the agent bank to satisfy the requirements in the event of the death of the depositor. The procedure for receiving the guaranteed insured deposit amount is as follows:

1. The depositor will find out which agent bank the insured amounts were transferred to.
2. Apply to the branch of this financial structure, having an identity card with you. In some cases, you need to bring the original bank contract for the deposit. The heirs of the deceased investor additionally provide information about the right to the insured funds.
3. An application for receiving the required insured amount is drawn up and given to a bank representative, who checks the presence of the given creditor in the general list using the register of obligations.
4. Payments are made immediately after the depositor's request in a way convenient for him - in cash or by transfer to the specified account.

Who can the DIA refuse to pay?

Some clients are denied compensation payments. Sometimes banks, in order to attract funds from 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 in excess between 1.4 million insured rubles and the amount of the deposit will burn out if the bank stops operating.

To try to avoid such an unpleasant situation, depositors, after the occurrence of an insured event, try to “split” their deposits into several parts, opening new contracts or transferring excess amounts to their relatives. The DIA sees fraud in such actions and refuses compensation. To avoid non-payment of compensation, try not to open accounts in the same bank with your family and not transfer any amounts to them.

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