If you lose the key to the safe deposit box of Sberbank, a statement is written. After its consideration, a commission is assembled, under whose supervision and in the presence of the client, the safe is opened. An individual himself pays losses to the bank for breaking the lock.
If the user loses the key to the safe deposit box or if the person does not appear within the term prescribed in the terms of the contract, the safe is opened in an emergency by burglary. Moreover, all operations take place in the presence of a commission consisting of three bank employees, including the head of the department.
Features prescribed in the standard contract
If there is a loss of the key, a specialist is invited to do this, who performs the work on cracking. The cost of his services depends on the region, the characteristics of the branch. Until the work is completed, the client continues to pay the rent, including VAT, for each day, excluding the day when the Safe is opened by a commission.
In addition, you will have to pay a penalty. It is calculated according to the formula: "The amount of rent for the overdue period" = (T1 * P1), where T1 is the tariff set for the minimum lease term, valid on the day of the work carried out, P1 is the number of days of the overdue period. VAT is added to the amount received.
If in the process of opening the cell the lock breaks down, it becomes necessary to install a new one, the client is obliged to reimburse all the costs of Sberbank associated with the restoration of the functioning of the cell.
Main steps
When it is found that there is no key, you should immediately call the bank. Tell us how long ago, in your opinion, the loss occurred. The contact center employee will make a note of this.
The responsible manager for the depository informs about the need to write an application. It usually indicates the approximate time when a person was able to lose the key. It is better to write it directly in the branch where the safe deposit box is located.
The application states:
- the reason for the loss or damage of the key;
- which cell it was from (safe number);
- number and date of conclusion of the agreement with the bank.
After specifying this information, it is written: “I ask you to replace the lock, issue a new key. I agree with the size of the penalties. I undertake to pay them until the lock is replaced. After that, the number and signature of an individual are put. An official puts a mark at the bottom, certifies it with a seal.
The user is notified:
- on the need to open the safe by the commission in the presence of the client himself;
- date and time of all work;
- reimbursement of all expenses of the bank at the expense of the security deposit.
If the latter is not enough, you need to be prepared for the fact that you will have to make additional funds. If necessary, after completing all the manipulations, a person can be provided with a new cell of the required size (if available). In this case, a new contract will be concluded.
In the process of opening the safe, the confiscation of values takes place. An act on the work done is drawn up in three copies: to the bank, the client, the contractor (if a third-party specialist was involved). Each option is signed by the parties. After that, the client can collect their values.
Can a Sberbank safe deposit box be opened without the participation of the owner?
If the key is lost, this cannot be done. An exception is force majeure, about which the client or proxies must warn the bank's employees. An example would be a critical health condition or detention.
There are other circumstances in which the opening can take place without the participation of the owner of the things in the cell:
- if after the loss of the key, the owner did not take the valuables, and the entire term of the contract has expired;
- as a result of investigative actions;
- when storing prohibited items;
- in the event of force majeure, when the bank cannot fulfill its obligations under the agreement.
In the first case, the bank reserves the right to sell the contents of the cell to cover its costs. The remaining amount is transferred to the client. It is possible to open a demand deposit in the name of the client. About which the latter receives a written notification. The bank has the right to open the safe in 20 days, starting from the day following the day of the end of the lease term.
Thus, if you lose the key to the Sberbank safe deposit box, you must immediately contact the bank. If it is suspected that there has been a theft, you should file a complaint with law enforcement. All the basic rules and requirements are prescribed in the contract, which is drawn up when paying for the rental of the safe. A duplicate is not issued in such situations.
