With the introduction of the deposit insurance system in our country, the question of how to return the deposit is being resolved in accordance with the Federal Law “On Insurance of Individual Deposits in Banks of the Russian Federation”.
Instructions
Step 1
First of all, make sure that your case is insured. These include the law:
- revocation (cancellation) of the Bank of Russia license for banking operations;
- introduction by the Bank of Russia of a moratorium on meeting the claims of the bank's creditors.
Step 2
Contact the state corporation "Deposit Insurance Agency" or an agent bank, if it is involved in paying insurance compensation for deposits. The law establishes the terms for depositors to apply for the return of the deposit:
- until the day of completion of the bankruptcy procedure;
- until the day the moratorium on banking operations expires.
Step 3
To contact the Deposit Insurance Agency or an agent bank, submit an application in the form established by the Agency and an identity document. The application form can be downloaded from the Agency's website at
Step 4
Indicate in the application the method of receiving the funds: in cash or by transferring to a bank account. Do not forget that the amount of insurance compensation is limited to 700 thousand rubles.
Within 3 days, but not earlier than 14 days after the occurrence of the insured event, the Agency or the agent bank make payments according to the applications of depositors.
