Today the Deposit Insurance System operates in Russia. It guarantees the depositor the return of the deposit in case of revocation of the bank's license within the legally established amount of compensation.
Instructions
Step 1
All bank deposits are insured with the DIA. Upon the occurrence of an insured event, they are subject to compensation within 700 thousand rubles. Recently, the State Duma decided to increase the insured amount to 1 million rubles, but so far this law has not come into force. Not only the insured amount is subject to insurance, but also the amount of accrued interest on the deposit. They are recalculated in proportion to the period of placing the deposit before the bank's license was revoked.
Step 2
The depositor himself does not need to take additional measures. DIA independently insures deposits.
Step 3
Deposits in different branches of the bank are considered as deposits in one bank. Reimbursement is made with a limit of 700 thousand rubles. If licenses are revoked from several banks at once, in which the depositor has deposited funds, then the DIA will also reimburse the amount within 700 thousand rubles. in proportion to the size of deposits in banks.
Step 4
Before placing a deposit with the bank, it is necessary to clarify whether the organization is a participant in the CER and whether it has a valid license from the Central Bank of the Russian Federation. Many organizations pretend to be banks, offering higher deposit rates.
Step 5
All funds of individuals that are in accounts within the framework of term deposits and demand deposits are subject to insurance compensation. Also, bank customers have the opportunity to get back their money, which is in current accounts used to receive salaries, pensions or scholarships. Under the new rules, an individual entrepreneur also has an opportunity to return his money (since January 2014), while lawyers and notaries have not yet.
Step 6
When revoking a license from a bank, you need to wait until the DIA selects an agent bank that will be responsible for paying insurance compensation. Then go there with a claim for compensation. The money will be issued in cash, or transferred to the account you specified. The application can also be sent to the DIA in writing by mail. In this case, it is necessary to notarize your signature (if the amount is over 1000 rubles).
Step 7
The money can be received within a year or a year and a half before the end of the bankruptcy procedure. Therefore, you should not go for a refund on the first day, because there may be queues.
