The safety of their own savings and their fate in the event of the death of the owner always worries both the depositors and their heirs. That is why many older people who keep money in Sberbank often have a question about whether it is possible to bequeath their contribution, and how to do it correctly.
Depositors who have entrusted their money to the bank are often interested not only in the profitability and term of the deposit, but also in other terms of the agreement, for example, the possibility of receiving the deposit amount by trusted persons or heirs. Today, there are a number of procedures that allow you to bequeath your deposit in any bank, including Sberbank of Russia.
Procedure for drawing up a will
According to the current Russian legislation, absolutely all bank deposits are inherited in the same way as other property. This means that the investor can bequeath his savings to any citizen, organization or state. The order can be made in favor of one or several persons, and the depositor is not limited in their choice. The only requirement today is that a will must be made in writing. In addition, a will can be revoked at any time. The Civil Code of the Russian Federation provides for 2 ways of drawing up an order.
Will in Sberbank
The depositor can draw up a testamentary disposition for his deposit at any Sberbank office. You must personally visit the bank, taking with you a passport, passbook or deposit agreement, and draw up a testamentary disposition for each existing deposit in the prescribed form. The duty to check the will lies with the authorized employee of the bank, who is obliged to take all the necessary actions in this case: to certify with his signature the authority to draw up the order and enter the data on the will in the registration book.
Deposits for which Sberbank has a testamentary disposition drawn up before 2002-01-03 are not included in the estate. Therefore, after the death of the testator, the heir can receive the amount of the deposit and all due interest on it, without issuing a notarial certificate for it. For the rest of the deposits, including those where the will is absent, and in respect of them a notarial order has not been made, the money is inherited depending on the specific case and the available documents.
Notarial certification
The owner of the deposit can draw up a will at the notary's office. If it concerns only deposits in Sberbank, the notary does not read out to the testator the content of Article 1149 of the Civil Code of the Russian Federation. In this case, the norm providing for the allocation of a mandatory share of the inheritance does not apply.
To confirm the presence of a deposit in Sberbank, a notary requests from future heirs a savings book, a bank deposit agreement or another document confirming the fact of a deposit. If there are no supporting documents, the heirs have the right to contact the office of the bank, where, presumably, the deposits of the deceased were kept, for their search. You can do this yourself or through a notary.
