In the Russian Federation, banks can carry out their activities only on the basis of a license. Its absence makes it impossible to conduct any banking operations. Therefore, before concluding a deposit or loan agreement with a bank, it is necessary to check whether it has a valid license.
It is necessary
- - the full name of the credit institution or its registration number;
- - computer with Internet access;
- - mobile or landline phone.
Instructions
Step 1
Check if the bank you are interested in is included in the register of credit organizations. To do this, you need to visit the official website of the Bank of Russia, go to the "Directory of Credit Institutions" section and type in the name or registration number of the bank in the search bar. After that, the system will give you basic information about the bank: its official name, BIC, registration number, address of the parent organization.
In addition, the website contains a list of codes by which you can find out whether the bank has a license:
- "ofr." - there is no license yet, it is just being processed;
- "ann." - the license has been canceled;
- "rev." - the license has been revoked;
- "face." - the organization is liquidated.
This information is objective and reliable, it is updated on the website daily. On the pages of the site, you can also clarify the list of branches opened by a particular credit institution, find out their addresses and contact numbers.
Step 2
If you have information that the bank's license has been revoked, you can check this information on the specialized banking website "Banks.ru". Here, in the "Book of Memory" section, all credit organizations that have ever conducted banking activities in the Russian Federation and have lost their licenses in 1991-2014 are listed. If the license of the bank you are interested in has been revoked or revoked, the credit institution will definitely be on this sad list.
Step 3
There is another way to check the bank license. You can call the Territorial Administration of the Bank of Russia on the helpline and find out if a particular credit institution operates in your region. Management specialists will definitely inform you if the bank does not have a license.
