In the past six months, the Central Bank has been actively cleaning banks. And of course, many are worried about who will return the money to depositors if the bank's license was taken away.
Deposit insurance system
All deposits of Russians are insured. The money is returned to depositors at the expense of the deposit insurance fund. It is formed by the banks themselves. They make contributions, which then go to the affected depositors.
How to check
You can check whether the bank of your choice is included in the insurance system on the website of the Central Bank. Also, the necessary information can be obtained at any branch of your bank. And please note: a copy of the certificate of the bank's entry into the CER must be posted in a conspicuous place in the "insured" bank.
What the state guarantees
Each depositor can return no more than 700 thousand rubles, including interest.
The guarantees include money on term bank deposits, on demand accounts in rubles and foreign currency, as well as current accounts that are used for settlements with bank cards and payments of various benefits. When a bank's license is revoked, the balances of all your accounts with this bank are summed up. In this case, interest on deposits is accrued only until the day the bank's license is revoked. If the result is an amount less than or equal to 700 thousand rubles, then the money is returned in full.
What awaits large investors
If the amount is more than 700 thousand rubles, then the state pays only 700 thousand, and the rest is paid during the bankruptcy of the bank, which takes place through the court. He takes all the property from the bankrupt, sells it and returns the money to depositors. However, one should not rely heavily on the court.
How does the refund take place?
After revoking the bank's license, information about this appears in the media, on the website of the Central Bank. Then, within seven days, the name of the agent bank through which the refund will be paid is published. In addition, a letter will be sent to each depositor. Payments begin 14 days after license revocation.
Store documents
It happens that in case of a criminal bankruptcy, a bank destroys a computer database with data on deposits. The Deposit Insurance Agency is always trying to restore this base, but the work takes a long time. In addition, inaccuracies are possible in the end. Therefore, carefully keep all documents on the deposit until the end of its term.
