Before opening a deposit in a bank, you need to make sure that the organization is included in (CER). The main idea of \u200b\u200bthe program is the implementation of rapid payments to customers from an independent source (Fund) in the event of a license revocation. So, even before the beginning of the liquidation procedures, investors receive their funds back. International experience shows that such a system increases the client confidence bar and reduces the costs of overcoming crisis phenomena.

In which banks contributions are insured

In Russia, this procedure is regulated by the same law and does not require the conclusion of an additional contract. In order to manage the system in 2004, a special state organization was created - Deposit Insurance Agency (DS). It is engaged in the formation of the register of depositors and issuing savings. who are insured by the state: Sberbank, VTB (24), Gazprom, Alpha, UniCredit, Promsvyaz, MDM, Raiffeisen, Binbank, Sitibank, etc. This list also includes another 840 major and small financial organizations.

The amount of the insured deposit in banks since 2015 is 1.4 million rubles. It includes the means of individuals (from 01.01.2014 - IP), placed in the form of urgent deposits to demand, on maps (credit feed) and on accounts. At the same time, institutions must be registered in the territory of the Russian Federation. The state is not provided:

Funds for nonienic metallic accounts;

Bearer deposits;

Funds transferred to trust management;

Deposits in foreign branches of the bank;

Money transfers that are implemented without opening an account.

The amount of the insured deposit in banks: the concept

Deposits of Russians to credit institutions are protected by the state. Since the creation of the DC and on December 31, 2014, the amount of the insured deposit in banks was 700 thousand rubles. per client. From the current year, this figure is doubled. This means that if customers have several deposits opened in various branches of the same credit institution, the total amount of accumulations takes into account the percentage. If the license is revoked by the Bank, only deposits in the amount of 1.4 million rubles are subject to return. Deposits that exceed this figure are not compensated. The payment of insurance amounts is engaged in QU.

Which are insured by the state, a certain percentage from the funds raised list the guarantor. These revenues, as well as the amounts received from the Central Bank, are used to pay debt to depositors in the event of a license revocation.

Danger

Under the provision of deposits attracted in any currency. But more protected are deposits in rubles. In the case of devaluation of the national currency, deposits in dollars, euros and pounds begin to grow. The ASV pays the contribution only in rubles, and at the rate of the Bank of Russia for the day of the license to the credit institution. There are two dangers here. First: With a strong devaluation, the cost of the deposit in rubles may exceed the guaranteed state. Then the contributor generally will not receive its savings. Second: Losses can be formed due to a large gap between the official and market currency exchange rate.

Algorithm of action

CER comes into force after the license is revoked from the bank. After that, depositors can contact the DC demanding a deposit. It should be provided:

• statement;
• document certifying the right requirements for heirs, or power of attorney.

The DSI should issue an extract from the registry with the Bank's obligations list before it. Funds are paid in 3 business days provided that it has passed more than two weeks from the date of the license. If the amount of compensation does not suit the former investor, it can write a corresponding statement in the DR. To paper, you need to attach a list of documents confirming the right to receive greater payments.

Reforming the CER

For 9 months of 2014, 40 credit institutions have not passed the test of the Central Bank, including Trust Bank. The contributions are insured by the state in these organizations for a total of 212 billion rubles. The amount of ARV funds decreased from 237 billion rubles to 154 billion rubles. Mosoblbank stand out most of all, to sanitize which turned out to be cheaper than to restore the consequences of liquidation. Reducing the volume accumulated on average by 1% in small and medium-sized banks, began to disturb regulators.

Government occupy leading places in the ranking of the volume of attracted funds. Large system-forming banks are forced to pay for insurance of contributions in problem. There are several outlets from this situation.

First. Which are insured by the state, monthly pay 0.1% of the amount of funds raised. The question of differentiation of this bet is considered. But this will require changes in legislation and cause a mass of disputes.

Second. At the moment, the state is guaranteed the amount of the insured deposit in banks in the amount of 1.4 million. There is a proposal to limit not only the volume, but also the number of payments according to one depositor for deposits opened in all rejoiced banks.

The third. Abandon interest insurance on deposits. This scheme operated in 2006-2007. It will benefit the owners of deposits in foreign currency.

The bank deposits of Russians are insured by the state. In order for the bankruptcy of the bank (and the Central Bank recalls the license from credit institutions is quite often), the depositors have not remained with any, there is a deposit insurance system. This system works so - all banks make a certain amount into a specially created Agency, which due to these insurance premiums compensates for depositors of the developed banks of their accumulation. What the amount of the contribution is insured by the state in 2018 - the maximum amount of the contribution that the state compensates within the insurance system.

Deposits on which amount are insured by the state in 2018

Until 2015, the maximum magnitude of the insured deposit was 700 thousand rubles. Three years ago, this amount was immediately twice. And since then nothing has changed. The maximum amount of bank deposit, which is insured by the state in 2018 - 1 million 400 thousand rubles.

Insurance of deposits in Russia has a number of features that need to be remembered.

First, the contributions are insured only when the credit organization cooperates with the DCA, or the Deposit Insurance Agency. This agency is disposed of insurance premiums that are made by banks in case of bankruptcy themselves or their competitors (the piggy bank is common).

Secondly, the law provides for a partly disputed moment. It is insured not only the contribution itself as such, but also the interest that "came" for the period of placement of the deposit in the bank.

On the one hand, this is true - the client of the broken bank receives a complete reimbursement without losing the capitalization of the contribution. The problem is that in part this legislative nuance encourages unscrupulous bankers.

What is the lack of this norm? One of the obvious signs of a bank who is experiencing problems is a promise of a high percentage of the contribution. Thus, the bank with all the ways lays new customers who would bring money to him. Probably a credit organization is very much in need of these funds, because it began to work as a pyramid, paying for their debts at the expense of new contributions from customers.

Sooner or later (rather early) such a pyramid will burst. What is characteristic, this is understood and financially competent depositors, but carry money to the bank, because they know - the state compensates for the contribution itself, and profitable interest on it.

Of course, the Central Bank immediately draws attention to banks that offer suspiciously high interest on deposits. However, a peculiar hole in the law remains.

Photo: pxhere.com.

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

It all depends on whether two or more deposits are open in one or more, or a person keeps his money in several credit organizations.

If a person has deposits in different banks, then everything is simple - each of them is individually insured by 1.4 million rubles. Therefore, the amount of several million can be deposited in various banks. Even if two or three bank go bankrupt, money from each account will be returned within the insurance program.

But if a person has several deposits for a total amount more than 1.4 million rubles in the same bank, in fact this is the same as if it was one contribution to such a large amount.

In such cases, the right to reimbursement in a person, of course, is preserved, but the order of compensation will be completely different.

In the amount of 1.4 million, it will be necessary to submit a special statement, after which the person will be in line for waiting. Waiting for compensation will have a long time - the Deposit Insurance Agency implements the property of the bankrupt bank to compensate for payments to priority creditors. Only after that, if something remains from the amount left, additional compensation will be paid.

It is clear that in practice in such a situation, it will be able to get something or very soon, or never.

Photo: pxhere.com.

What if the bank went bankrupt?

If your bank is declared bankrupt, you do not need to panic. Within two weeks after bankruptcy announcement, a temporary manual will be appointed in the bank. Payments to customers will be made by the Agent Bank, which will be appointed QA. The fact that this is the bank and where to apply, it will be possible to clarify on the website of the deposit insurance agency and / or on the website of the divided bank.

To return funds, it will be necessary to appear and write a statement. For this, it is most often enough to approach the separation of your bank with a passport and an agreement on the opening of the contribution.

As for those who took a loan in a bank, which broke, then in the presence of a contribution in the same bank usually the amount of the loan is reduced by the amount of this contribution. Also in mind - to make a mandatory payment until new details are announced, it is not worth it. Money may fall, then you will have to search for them and return. It is correct to wait for new details or clarify in the bank branch what to do.

What contributions are insured by the state

Many are interested in whether the deposits of individuals are insured, including deposits in currency, as well as money on debit (salary) cards. Do not worry - insured.

If the Bank is a member of the Deposit Insurance System, the insurance of individuals are subject to insurance, regardless of citizenship in deposits and in bank accounts, including:

• - urgent deposits and demand deposits, including currency;
• - current accounts, including those used for settlements on banking (plastic) cards, for obtaining wages, pensions or scholarships;
• - funds in the accounts of individual entrepreneurs (for insurance cases that occurred after 01.01.2014);
• - funds on nominal accounts of guardians / trustees, beneficiaries for which are wards;
• - funds in Eskrow's accounts for settlements on real estate purchase and sale transactions for the period of their state registration (for insurance cases that occurred after 04/01/2015).

Note that not only the amount made into the contribution is insured, but also during interest. They are calculated in proportion to the actual deposit term until the day of the occurrence of the insured event.

Remember!

Some institutions are masked under the banks, offering high interest and silent about the absence of relevant guarantees! Check whether the institution enters the deposit insurance system on the banks of the Bank of Russia (www.cbr.ru) and the QU (www.asv.org.ru), as well as on the free hotline of the ASV 8-800-200-08-05 .

See also:

- rates of deposits of individuals in Rosselkhozbank \u003e\u003e

What deposits in banks are not insured by the state

Not all the money that you entrusted the bank is the insured state and will be returned to you by the Deposit Insurance Agency (DC), if the bank loses the license and burst. Do not afford the deposit insurance system:

• - deposits certified by the savings certificate for the bearer or the salaries on the bearer;
• - funds in the accounts of individual entrepreneurs' individuals without the formation of a legal entity, if the accounts are open in connection with professional activities (for insurance cases that occur until 01.01.2014);
• - funds in the accounts of lawyers and notaries, if the accounts are open in connection with professional activities;
• - deposits in branches of Russian banks that are abroad;
• - means transferred to banks in trust management;
• - funds placed on impersonal metallic accounts;
• - Means translated into the so-called "electronic wallets" (electronic cash).

Are the facilities placed in MFIs insured in the agency?

The funds of citizens entered in microfinance organizations (MFIs), the federal law "On insurance of deposits in the banks of the Russian Federation" does not apply. MFIs are not banks and are not included in the system of compulsory deposit insurance.

Are IP contributions insured in banks?

For a long time, the contributions of individual entrepreneurs who are individuals were not insured by the state, as well as the deposits of Jurlitz. But a few years ago, this incident was eliminated. Currently, funds in the accounts of individual entrepreneurs in banks are insured (for insurance cases that occurred after 01.01.2014).

See also:

- What deposit rates today gives Binbank \u003e\u003e

- interest rates of deposits in the post office \u003e\u003e

How much the contributions are insured in 2019

If the insured event came after December 29, 2014, the maximum amount of reimbursement on deposits is 1,400,000 rubles. It is before that amount that deposits of individuals in banks of the Russian Federation are insured today.

If the insured case came from October 2, 2008 to December 29, 2014, then the maximum amount of reimbursement on deposits is 700 thousand rubles.

For the insured cases, which came from March 25, 2007 to October 1, 2008, the maximum amount of insurance indemnity is 400 thousand rubles;

If the insured event came from August 9, 2006 to March 25, 2007 - 190 thousand rubles;

IMPORTANT! Separate insurance compensation, the maximum amount of which is up to 10 million rubles, paid:

On an Eskrow, open for settlements on the sale of real estate purchase and sale;

Incidentally, Eskrow, open to settlements under the Treaty of Participation in Share Construction.

By the way!

The Central Bank of Russia and the Deposit Insurance Agency (ASAR) prepared a bill on compensation to depositors of the collapsed banks up to 10 million rubles. In special situations, for example, when receiving an inheritance. This was told by the head of the ASV Yuri Isaev.

We are talking about cases of high balances on the bank account "by virtue of special life circumstances," said Isaev. Special situations may be associated with the temporary receipt of money from the sale of residential real estate, inheritance, social benefits and benefits.

Deposit Insurance in 2019: Questions and Answers

How is the amount of compensation calculated if the contribution is posted in foreign currency?

If the contribution is posted in foreign currency, the amount of compensation is calculated in rubles on the course established by the Bank of Russia on the day of the insured event.

What amount of compensation will be spouses, if each of them has deposits in the same bank?

Upon the occurrence of the insured event, each spouse will independently receive compensation on deposits in the amount of 100 percent of its deposits in the bank, but no more than the maximum amount of insurance compensation established by law.

How much will the contributor get if he has deposits in various branches (separations) of the same bank?

Deposits in various branches (branches) of the same bank are deposits in one bank. Therefore, they apply to the general rule of calculation of the amount of reimbursement: 100 percent of the amount of all deposits in the bank, but no more than the maximum amount of insurance indemnity established by law.

Today, people again gained confidence in the banks and prefer to keep their accumulations here. First, a credit and financial institution is a reliable savings repository. Secondly, the deposit account brings income to its owner. And finally, the last reason to attribute their money to storage to the bank is state insurance, that is, the organization of deposit insurance agency is guaranteed to reimburse the deposit accounts money in the event of the liquidation of the enterprise.

But as you know, everything has a limit, and not all depositors probably know what amount is insured by the state on deposits, according to the data for the current year. After all, the means as a result of bankruptcy of banks, it does not reimburse him, namely the state, even before the liquidation of the enterprise. Next, consider what this system is present, the amount of payments, the principle of insurance and banks participating in the system.

About insurance system

From the history of the Soviet Union, many of our compatriots remember that banks are not a reliable way of storing funds for the reason that during the crisis or default can be left without savings. To restore the banking system and attract money from depositors into credit and financial organizations, state power in the early 21st century developed the deposit insurance system.

The Deposit Insurance Agency is a state structure, the function of which to ensure the safety of funds nested by individuals, and guaranteed compensation for damage when the insured event occurs from its own fund.

In simple words, the task of the deposit insurance agency to return money in the amount equal to the one that is stored on a deposit account to an individual, if the bank went bankrupt, lost the license or the central bank imposed a moratorium. But there is one nuance, the maximum amount of payment is limited by law.

Features of insurance procedure

Customers of the Bank may be interested in how to insure their savings, because the bank does not propose to enter into additional agreements or agreements. So there is - the bank is obliged to insure absolutely all deposits of individuals who are stored on his accounts, that is, signing an agreement for opening a deposit account, the contributor is already becoming an insured person.

QA logo

With the contributor, the insurance fee is not charged, but the bank pays 0.1% of the total amount of deposits in the DC.

The next question is relevant to the investor which insured deposit amount is paid in the event of an insured event. In fact, the contribution is completely reimbursed, that is, 100%, and the amount is taken into account, which was listed on a deposit account at the time of the insured event. The only limitation of the total amount of deposits within the same bank should not exceed 1 million 400 thousand rubles. And a year earlier, it was only 700 thousand rubles.

So, the maximum deposit amount is insured by the state in 2016, 1 million 400 thousand rubles.

Absolutely all means of individuals stored in bank accounts in cash currency are subject to insurance. These include urgent deposits and demand, money stored on debit including salary maps. But this list does not include metallic accounts, accounts of legal entities open to January 1, 2014, and cash managers in the organization.

Who participates in the Deposit Insurance System

Before carrying funds to the bank for sure, every potential customer will ask, in which banks are the deposits are insured by the state. In fact, in all those who have a license from the Central Bank and provides this service. Or, simple words, banks cannot unilaterally refuse to participate in the system of state insurance.

But before you choose a bank, you should still check whether a credit and financial institution in the registry of the DCA. To do this, it is enough to find on the Internet the official website and use the convenient search system. Here it is described in detail how to get compensation when an insured event occurs and other useful information.

Please note that the maximum amount of payment upon the occurrence of the insured event is indicated as of 2016, a year later, it may change.

So, those who are interested in the question as insured by deposits in banks can be confident that the state will reimburse 100%, but not more than the maximum amount. By the way, the terms of the insurance is unlimited by law, that is, throughout the entire period, the deposit account is opened.

If the bank has become bankrupt or lost its license, its customers can count on reimbursement on deposits. This is possible if the establishment is included in the Deposit Insurance System (hereinafter – CER). In Russia, it applies both to investments in rubles and deposits open in foreign currency. The latter insurance features will be discussed in the article.

Bank deposits in foreign currency. FEATURES OF INSURANCE

Insurance, as in rubles, occurs on the standards approved by the Federal Law. For this you do not need to specifically sign the contract. The deposit is considered insured from the moment the bank is introduced into the register of CER. This feature is entrusted to the Deposit Insurance Agency (hereinafter referred to as QA). It also controls payments to deposit compensation.

If the bank declares itself bankrupt / its license is canceled, an insured event occurs. Then the ASV or the Bank Agent (an institution acting on behalf of the Agency) are obliged to pay compensation for the deposit. If the banking investments were made in foreign currency, the depositor will still receive compensation in rubles.

The calculation of the amount of payment is carried out at the rate of the Central Bank of Russia, acting at the time of the establishment of the insured event. The deposits in dollars are insured by the state as well as in the national currency: in the amount of up to 1.4 million rubles. inclusive.

What deposits in currency and rubles insure

• Accounts that serve to issue pensions / wages / scholarships.
• Funds on nominal accounts opened by trustees / guardians, if the wards according to them are beneficiaries.
• Attachments of individual entrepreneurs if an insured event is installed since January 2014.
• Deposits of lawyers / lawyers / notaries, if they are open to prof. Activities (this is the innovation of 2014).
• Deposits, decorated to demand and urgent deposits, including currency.

What deposits in the currency will not be insured

In the law, prescribing the insurance rates of the contributions of the FIZ.LIC, marked categories of deposits that are not subject to this procedure:

• bank deposits decorated for bearer;
• remittances (if the bill was not discovered for this);
• funds for OMS ();
• deposits in the branches of Russian banks, which are outside the Russian state;
• funds that the client handed over the bank for trust management;
• deposits on nominal accounts (this does not concern accounts open by guardians, the beneficiaries for which their wards are);
• deposit and escrou accounts (so-called "conditional", allowing to exchange means only when implementing agreed conditions);
• finance in electronic form.

Insurance on the currency contribution. Production procedure

1. For no more than 14 days from the date of the license is revoked by Fin. ADD. ARMS determines the list of agents (banks that will make payments). We usually become major institutions.
2. In order to obtain a legal reimbursement on the deposit, the client needs to be applied to one of the agent banks.
3. The application should be made on a special form. It must be served with the passport.
4. The payment of compensation is possible in cash or by the non-cash method (on the bank card specified by the Depositor).
5. Payments on currency deposits are performed within 3 days from the date of submission of documents, but not earlier than in 2 weeks from the date of establishing an insured event of the bank.

Get in deployment in currency a high percentage is much more complicated than on the deposit of ruble. However, in the event of an insured event, currency investments may be more profitable. Additional income is capable of providing fluctuations in courses. This is possible if from the time of deposit, until the license of the Dollar or euro, the Dollar Bank becomes more expensive. Then, in terms of rubles you will get more than invested.

If, by the time you receive compensation, the dollar / euro began to cost less than when you made a deposit, you risk losing funds. Since payment of reimbursment of deposits is usually not less than 2 years (until the bank is recognized as bankrupt), there is a reason to wait until the economic situation stabilizes.

1. Invest your money in different banks if their amount is more than 1,400,000 rubles. So they will all be insured against the bankruptcy of the financial institution.
2. In order not to worry, whether deposits in the currency are insured, check if it is a facility in the list of CER participating banks.
3. If you cannot independently leave an application for compensation for payments on deposits, send it by mail. At the same time, the signature on the statement must be confirmed by the notary.
4. Not only the amount invested in the bank is insured, but also interest. This concerns only those that are added to the contribution, so-called. . If, according to the terms of the contract, they are charged at the end of the term of the deposit, insurance on them does not apply.