List of banks included in deposit insurance. Banks included in the deposit insurance system for individuals. What does information about a bank’s inclusion in the state deposit insurance register give to individuals?

The deposit insurance system has existed in Russia since 2003 and operates on the basis of Federal Law No. 177-FZ “On insurance of deposits of individuals in banks of the Russian Federation.”

For more than 10 years, the mechanism for implementing the law has been streamlined, and investors do not have any problems. The state corporation Deposit Insurance Agency is responsible for fulfilling the requirements of the law. It is this organization that regulates the processes of insurance compensation of citizens’ deposits in banks that have been deprived of a license.

Here is just a small part of good banks with state deposit insurance. Be sure to check out the programs of these banks:

Today, any bank wishing to attract funds from individuals is required to become a participant in the deposit insurance system. Therefore, the risk of losing all the money deposited into the deposit is minimal. A good way to completely protect your savings from any surprises is to open a deposit in a bank where government support is available. In the table we present a list of banks:

Bank Program name	Min amount	% bid	Term
Russian International Bank Deposit "Profitable Classic"	3,000,000 rubles	Up to 10.50%	From 31 days
Tempbank Deposit "Ten"	100,000 rub.	10%	1 year
NovakhovCapitalBank Deposit "Novakhov Club"	50,000 rubles	9,7%	From 351 days
Bank Trust Contribution “Our people”	30,000 rubles	Up to 9.40%	From 91 days
Ugra Deposit "Maximum"	1,500,000 rubles	Up to 9.40%	From 61 days
FC Otkritie Deposit "Premium"	50,000 rubles	Up to 9.25%	From 91 days

In addition to the reliability of the listed institutions, all deposits are insured by the state. Of course, interest on deposits is not as high as in commercial private banks, but this is compensated by reliability and stability.

Deposit Insurance Agency

The Deposit Insurance Agency does its job efficiently, compensating depositors for money from their accounts, but do not forget that the amount up to 1,400 thousand rubles is reimbursed, the return of the remaining funds (if the deposit is more than 700 thousand rubles) is in question.

Yes, and dealing with the procedure of returning your own money is not pleasant. It is better to immediately take care of a safe place to store funds.

For high interest rates go to small banks

For those who are ready to take a little risk and earn higher interest rates, small commercial banks offer their services on the Russian market. We suggest taking a look at the table that lists the most reliable banks:

Bank Program name	Min amount	% bid	Term
Credit Bank of Moscow "Savings deposit"	1,000 rub.	12%	1 year
"The hit of the season"	RUB 1,500,000	12%	6 months
"Maximum Income"	1,000 rub.	11.5%	1.5 years
MTS-Bank "Hot Plus"	RUB 350,000	11.25%	1 year
"Premium"	1 rub	12%	1 year

It has been written about the features of high-interest deposits. The main thing is that, despite the status of private organizations, the listed banks are reliable and have many years of experience in the Russian financial market. Of course, there is a certain risk, but the proposed deposit conditions make private banks attractive to clients.

Trust but check

When choosing a bank to open a deposit, you should look on the Internet. First of all, you should go to the website of the Central Bank of the Russian Federation, detailed data on all credit institutions of the Russian Federation is published there. In addition, you can check the reliability of the bank using the following criteria:

bank reliability rating;
interest rates on loans and deposits;
volume of free assets and working capital;
bank profits and losses.

Deposits in other currencies:

Only after analyzing the information received can you make an informed decision.

If you want to protect your deposit in the event of bank bankruptcy, you need to check whether it is a member of the SSV.

Dear readers! The article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

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Therefore, look at the list of banks that are in the deposit insurance system in 2019. The deposit insurance system applies only to individual deposits. individuals and individual entrepreneurs.

We propose to consider the topic of compulsory deposit insurance. The material will discuss the conditions and institutions that are included in the SSV.

Main aspects

Data analysis shows that the main problem that citizens are in no hurry to invest their savings in a banking institution is the uncertainty that their savings will be returned.

People remember the collapse of Russian banks, when depositors were left without money. Therefore, the deposit insurance system is of great importance.

After all, if people know that their deposit will be returned, even if the bank goes bankrupt, then they will not be afraid to invest.

The guarantee that the deposit will be returned not by the bank itself, but by an independent insurance company, inspires the trust of depositors. Deposit protection – insurance – is available all over the world.

According to the World Monetary Fund, bank deposits are available in more than one hundred countries.

Russia is no exception; in 2004, the Deposit Insurance Agency corporation was created, this was done to preserve depositors’ cash contributions.

It will return funds to depositors if the bank is declared bankrupt. Every bank is required to participate in this program.

Necessary concepts

Deposit Insurance Agency	A company created by the state to protect the rights of clients regarding deposits. Regulated by law
Agent Bank	Returns to the owner at the expense of the insurance agency, if necessary.
SSV participant bank	Can call Russian citizens for deposits, while paying an insurance premium. Obliged to make an insurance payment, talk about the conditions and amount of compensation for the deposit
Contribution	Financial assets invested by clients on the basis of a concluded deposit and in the bank. It includes accrued interest on the body of the deposit. Under insurance protection, the deposit is in rubles and in other currencies
Mutual demands	The client's financial debt to the banking institution. Such requirements reduce the scope of responsibilities
Bank register	SSV participant - list of banks whose deposits are guaranteed by Federal Law No. 177
Deposit Insurance System (DIS)	State program, which is carried out in relation to Federal Law No. 177. The main goal is to preserve the values of citizens invested in Russian banks. If the unexpected happens and the bank goes bankrupt, depositors will be paid the insured amount, but not more than the required amount
Insurance compensation	Cash equivalent, compensation due upon establishment of an insured event. Payment occurs 100%, but not more than the maximum amount. This amount includes the body of the deposit plus accrued interest
Insurance event	Response from the participating bank to the Central Bank's permission for financial activities or bankruptcy of the bank
Bank insurance payment	Every quarter the bank transfers funds to the insurance fund
Mandatory Deposit Insurance Fund	Economic base of the CER. The fund includes Russia's own payment

The depositor is a Russian citizen, a citizen of another country or stateless, who has entered into a deposit transaction with the bank.

What is a bank registry

A register is a form of recording something. The existence of such a register helps to find out whether the bank is in it or not.

This makes it clear the bank’s security indicator and avoids non-return of the deposit due to the loss of the bank’s license:

banks that are in the deposit security complex. Pay the stated percentage in the specified fund document. Of these payments, then comes the return of funds on the deposit, in case of problems with the bank;
list of banks in the collateral structure. Shows not only the name of the institution, but also its status. For example, “on elimination”, this means that the organization will soon be closed. Then robots are carried out to return funds on deposits;
data is written about the reason for the exclusion of banks from the list of those whose license for a summer residence in this area was taken away.

It should be noted that sometimes banks write this information late (in their favor) about the suspension of work in the financial sector.

That is, depositors will not be aware of the termination of the bank's financial activities, and will make a deposit that will not subsequently be returned.

It should be understood that the inclusion of the CER allowed the authorities to respond to the possibility of noise among the people due to non-compliance with the bank’s obligations.

Now the system is being rapidly improved, various works are underway to improve the activities of banks, compensation amounts are being changed and set.

Legal basis

This area is regulated by the following laws:

What responsibilities do organizations have?

Functions of banks:

pay insurance payments to the required deposit insurance asset (insurance payments);
show clients information about participation in the CER, the rules and volumes of refunds;
post information about deposits in accessible places of the bank for clients;
record data on the bank’s obligations, mutual demands on the deposit owner, show that everything has been done in the event of bankruptcy, the deposit is protected;
comply with other requirements mentioned in the law.

List of banks included in the deposit insurance system

Based on the results of 2019, many financial companies lost the opportunity to work. Those who invested money in these banks were left without deposits.

Currently this system consists of:

Sberbank;
VTB Bank;
Rosselkhozbank;
Gazprombank;
Raiffeisenbank;
Alfa Bank;
Tinkoff;
New Age;
Taganrogbank;
Yenisei Bank;
Bank Absolut;
other.

How to find out agent participation

Information that the bank is a member of the Discount Insurance Agency can be found on the hotline of the Deposit Insurance Agency or on their website in the section “List of Banks - Members of the Discount Insurance Agency”.

Currently, 789 banks are registered.

On the organization’s website you can see financial firms that have lost the right to attract cash deposits, as well as banks that have dropped out of the insurance register.

Do not forget that in addition to deposits and deposits before withdrawal, even in foreign currency, you can also insure a current account for cards that are needed for wages, scholarships or pensions.

Insurance is also available for entrepreneurs. Not insured:

contribution per presenter;
money given on a trust basis;
transfer of funds without a valid account;
to identify agent involvement, it is necessary;
membership in the deposit insurance structure in proportion to the current federal law required for banks;
the bank is a member of the deposit insurance structure from the first day of its registration until deregistration, in accordance with the twenty-eighth article.

Basic rules of interaction

At the time when a bank is given permission to attract deposits from individuals, it is registered with the Agency and entered into the Register.

Data on granting a bank a work permit is transferred to the Agency from the Central Bank of Russia.

It should be noted that data exchange between financial organizations must be carried out within 1 day.

In addition, the Central Bank of Russia informs the Agency:

about the probable revocation of the license of one or another bank;
about work restrictions;
about the probable liquidation of the bank.

After requests of this type are submitted to the DIA, the bank is excluded from the register. In turn, banks receive data from the Agency about their payment of contributions.

Tinkoff Bank

Tinkoff Bank is a member of the deposit insurance system, and by right, if the license is taken away, it must return the volume of deposits up to 1,400,000 rubles, in addition, if the account was opened to purchase an apartment, the amount increases to 10,000,000 rubles.

Together with the law on deposit insurance, those deposits that are invested by a citizen on the basis of a concluded agreement or account in rubles or foreign currency are preserved, located:

deposit “Urgent” and “Until return”;
on the bank account of the individual entrepreneur;
on bank accounts opened for transactions for the purchase of property;
do not insure;
deposit for professional activities;
to bearer;
deposits in an account abroad;
electronic money.

Post Bank

The bank is quite new, but is already on the list of banks that are located in the Discount Bank, as it considers it its responsibility to protect the deposits of its clients.

All existing depositor accounts are considered guaranteed until returned in an insured event.

Home Credit Bank

Home Bank deposits are protected for 700,000 rubles, but if an insured event occurs, refunds will be made in equal parts to all clients.

Other

Also included in the SSV are Rosselkhozbank and Raiffeisenbank. The profit of Rosselkhozbank is 2895,000,000 in national currency.

The bank's capital adequacy is 16.4%. Return on capital is 1.5%, the share of deposits in the bank is 19.7%.
Raiffeisenbank is a large bank with foreign investments.

The bank's profit is 768,700,000,000 rubles, capital adequacy is 16.3%. The share of deposits is 19.6%.

Features of the formation of the mandatory Fund

The specificity of the formation of a complex for preserving deposits in Russia was the creation of an asset for the necessary insurance of deposits, in the structure of which there are both government amounts and private ones.

According to the law on deposit insurance, “obligatory deposit security assets” No. 33 part 1 is a complex of cash and other assets that are used and compensated in accordance with the mentioned law.

The origin of the amounts of the CER fund in the Russian Federation includes the initial own payment in the amount of 2,000,000,000 rubles, the amount of the national treasury in situations specified in the law on the preservation of deposits.

Payments from banks participating in the deposit insurance complex are private.

The origin of the creation of assets is prescribed by the Law on Securing Deposits in Article 34, in addition to which the following are determined:

penalty for late or incomplete payment;
amounts which are taken from satisfied rights of inquiry;
purchased companies as a result of receiving payment for the return of the deposit;
profit from the location and investment of cash in the asset required to secure deposits.

Before depositing money in a bank, it is worth researching a lot of data in different banking structures. You need to look at the safety score.

You need to pay attention to those banks that are in the insurance rating. You should read the opinions of bank clients who have deposits with institutions.

The list of banks located in the deposit security complex is compiled by the Association, which can be viewed on the website asv org ru.

The list is changing - some organizations are added, and some are removed due to insurance claims.

Increasing your funds is an opportunity to avoid losses of your finances due to inflation. But this must be done with minimal risk if a person does not know the rules of managing money on high-risk assets. Deposit is the only option for such people. This is what allows you to earn a small income. When choosing a deposit, you need to pay attention to the availability of bank insurance in the event of liquidation or bankruptcy. It will allow you to return a certain amount in case of force majeure.

In this article:

Who provides state insurance of deposits of individuals?

Insurance of deposits of individuals is carried out Deposit Insurance Agency(hereinafter referred to as DIA). The organization got its start in 2004. And until now it compensates finances to depositors of creditors who:

have lost their creditworthiness;
lost their license;
conduct illegal activities to inspect the Central Bank;
receive a moratorium from the Central Bank on settlement transactions.

An insurance situation arises after a decision is made to revoke a license. The initiator may be the Central Bank of Russia. All depositors are notified about this incident through the media, information on the official website of the Central Bank or the DIA.

Additionally, this organization is assigned the functions of bankruptcy management of banks that can no longer pay off their obligations on their own. That is, the DIA exercises temporary management and is considered a sanatorium. Due to the reorganization, some banks have already been saved from liquidation from the sector. At the same time, the rescue was carried out by the Consolidation Fund.

What deposits are insured?

What financial deposits are insured by the state? In accordance with the Federal Law, the deposit amount and accrued interest are insured. If the lender's license is revoked, then the accrual of interest stops from that day. The depositor will be able to receive the funds that were in the account from the date of registration until the date of revocation of the lender’s license.

If the investment amount more than 1,400,000 rubles, funds are not returned. More precisely, they can be returned in court and only upon the sale of the bank’s property. The insured amount, which will definitely be returned, is considered to be presented. The procedure in court can take not months, but years, so many depositors do not risk putting funds in one bank.

The DIA explains that insurance does not cover:

funds of legal entities that are present on current accounts;
bearer investments without a clear owner;
money in trust;
branches outside the Russian Federation;
electronic means;
money in a metal account.

Insurance of deposits in the required currency is a risk for the depositor. Reimbursement here occurs at the rate established at the time of bankruptcy, which is often unfavorable for the client.

For how long?

The deposit is insured from the period the money is placed in the account of the credit institution and subject to the bank’s participation in the insurance register. Maintaining the specialized register is the responsibility of the state corporation DIA. The investor does not take any action regarding insurance.

How much?

Insurance contracts for Russian banks are signed at the time the lender receives a license. The organization must verify the solvency of the financial company before it attracts depositors.

The DIA is formed from contributions from banking institutions. This is not a mandatory practice, but many major companies participate in the system. For those who decide to invest their own money, the procedure is free.

The bank transfers 0,1% calculation base once every three months. If deposit rates are increased by 3 points from the standard, then deductions are already increased to 0,2% .

Deposit calculator

Deposit amount

Interest rate (%)

Deposit term (months)

Monthly interest

Reinvested withdrawn

How to get a refund?

Receiving a refund is not difficult if the investor knows where to go. If the Central Bank revoked the bank’s license to operate, then the client has the right to receive compensation for deposits in the amount up to 1,400,000 rubles. He has the right to apply for funds on any day from the date of cancellation of the authorization document, including until the completion of the creditor’s bankruptcy operation.

If the period is missed, he has the right to submit an application to the DIA clarifying the circumstances. If there is a good reason, the period is restored. He can already receive insurance compensation two weeks after license revocation. The DIA is obliged to publish in the local newspaper and transmit to the media a message about the territory and time period of clients’ appeals regarding the insurance situation. A letter is sent to each owner individually.

Insurance can be purchased both from the DIA and from agent banks (which is most common). The latter are established at the initiative of the DIA. To receive a deposit, you need to fill out an application in the prescribed form, as well as provide an identification document. In this case, you can not only contact the organization personally, but also do it through a representative. It is enough to have a notarized power of attorney. The heir also has the right to receive payment if payment was not made to the deceased. To receive payment, the heir must provide similar documents and certificates clarifying the right of inheritance.

As soon as the application is reviewed, the investor will be provided with information about the amount of investment and the amount of payment. When if the depositor agrees, then he has the right to receive funds on the day of application or within three days from the date of provision of the certificates. If he does not agree, then he must confirm his point of view.

Regardless of which deposit is opened - foreign currency or ruble, money is always paid in rubles. As mentioned earlier, the payment will be at the rate established at the time of deprivation of the license. If a citizen has several deposits in one institution, the payment will be calculated based on the total amount. If it exceeds the indemnity, it will be paid proportionally. If there are loan obligations with the same bank, then the payment is made in the amount of the deposit, taking into account the deduction of the loan amount.

Payment amount

The amount is paid in rubles, not exceeding the amount in 1,400,000 rubles. An amount exceeding 1,400,000 is paid only in court after the sale of property. The credit institution pays compensation in cash or by transfer to another account, if indicated in the application. Repayment of amounts in excess of the specified limit is carried out primarily through the court as part of liquidation.

Today, every person knows that before investing money in a bank, it is necessary to make sure that the selected financial institution participates in the general deposit insurance system. First of all, this is necessary in case the bank loses its solvency or undergoes liquidation. In this case, all accumulated funds are partially or fully compensated to the investor. Contrary to popular myth, this service is completely free for clients of financial institutions that are part of the deposit insurance system for individuals.

Deposit insurance system

On the territory of the Russian Federation, the deposit insurance system for individuals is regulated with the help of. Since 2005, a corporation with the abbreviated name DIA has been put into operation. The main goals of creating this institution:

maintaining a unified register of financial institutions that are participants in the deposit insurance system for citizens;
responsibility for payments to depositors under the system in the event of an insured event;
full control at all existing stages over the process of creation and functioning of the insurance fund;
management of insurance fund funds.

According to the legislative framework of the Russian Federation, all financial institutions that are involved in attracting funds from depositors are required to register in the unified deposit insurance system for individuals. Banks that are part of the deposit insurance system undertake to provide full compensation upon the occurrence of these cases, however, according to the terms of the Federal Law of the Russian Federation, no more than 1.4 million rubles.

How does deposit insurance work?

Before making a particular deposit in a financial institution of the Russian Federation, you must familiarize yourself with the rules and requirements of the cash insurance system.

Types of cash investments that are subject to insurance:

money that is on deposit with a financial institution;
interest accrued over a certain period, accumulated as a result of the deposit.

More than three hundred Russian banks are currently in the process of liquidation - such data was published in November. Almost each of these credit institutions attracted deposits from individuals and individual entrepreneurs. The deposit insurance system that has existed in the Russian Federation since 2004 made it possible to return a total of 1.7 trillion rubles to depositors. This state program not only provides protection against possible loss of funds, but also significantly increases the population’s confidence in banking structures and the savings institution as a whole. What is the deposit insurance system (DIS) and how is it organized?

The deposit insurance system in the Russian Federation is based on the fact that the state, in the event of a bank’s bankruptcy or revocation of its license, guarantees a quick return to individual clients and individual entrepreneurs of deposit amounts of up to 1.4 million rubles. According to the Association of Russian Banks, in the first half of 2017, the average deposit of a resident of the country was 163.1 thousand rubles, the share of deposits less than 1.4 million rubles is approaching 60%. Consequently, most of the population’s savings fall under the parameters of the deposit insurance system (DIS).

How relevant the CER is can be judged by the fact that during its validity more than 3.6 million depositors took advantage of the opportunity to receive compensation. In total, during this period, the Central Bank of the Russian Federation revoked the licenses of over 400 banks (the full list can be viewed here: https://www.asv.org.ru/insurance/insurance_cases/). In 2017, 45 credit institutions ceased operations, including members of the TOP-30 Russian banks (for example, Yugra).

The maximum amount of compensation for deposits in closed banks has increased 14 times since the beginning of the program. From 2004 to 2008 it was 100 thousand rubles, then increased to 700 thousand. Since the end of 2014, this figure has been at the level of 1.4 million rubles.

History of changes in the amount of insurance compensation:

from January 2004 to August 9, 2006 - 100 thousand rubles;
from August 10, 2006 to March 25, 2007 - 190 thousand rubles;
from March 26, 2007 to October 1, 2008 - 400 thousand rubles;
from October 2, 2008 to December 28, 2014 - 700 thousand rubles;
from December 29, 2014 to the present - 1.4 million rubles.

Life story

I “got in” back in the early 2010s with the Holding-Credit bank, where I kept a decent amount. It simply evaporated, and the depositor base was restored literally piece by piece, from individual surviving files. Fortunately, I was included in one of the files, and the procedure went without a hitch. 4 days after the announcement of the start of payments, I came to the Sberbank branch near Gorbushka and turned to the first employee I came across. He invited a special manager, who took me to a special window, where I signed an application and almost immediately received the deposit itself (fortunately it was 370 thousand, less than the maximum) and interest. Finally they said: “THEY don’t owe you anything anymore.”.

Deposit Insurance Agency (DIA): what is it and why was it created?

The Deposit Insurance Agency (DIA) is a state organization created within the framework of the law “On insurance of deposits of individuals in banks of the Russian Federation”. The DIA's tasks include monitoring banks' contributions to a special fund from which payments are made to depositors affected by bankruptcy or revocation of a bank's license.

Since the deposit insurance system is a special government program, a corporation with 100% government participation was created in 2004 to implement it. The Deposit Insurance Agency (DIA) acts as a liquidator and bankruptcy manager of banks with revoked licenses, and most importantly, manages the compulsory deposit insurance fund, from which compensation is paid to depositors.

The volume of the fund as of October 1, 2017 was about 40 billion rubles. However, this figure in itself doesn’t say much: the process of returning deposits from closed banks occurs constantly; this year alone, the DIA attracted over 600 billion rubles as loans from. The repayment of these loans occurs due to the influx of contributions into the fund from Russian banks within the framework of the deposit insurance system.

The Agency invests available funds primarily in government securities and deposits of the Central Bank of the Russian Federation; investing insurance fund money in bank shares is prohibited by law.

The Board of Directors of the DIA is headed by the Minister of Finance of the Russian Federation; this body includes six other members of the country's government, as well as five representatives of the Central Bank, which emphasizes the official status of the Agency and its reliability, ensured by public funds.

The safety of the deposit in the event of a bank collapse is guaranteed by Federal Law No. 177-FZ “On the insurance of deposits of individuals in banks of the Russian Federation.”

Currently, the insurance system covers two categories of depositors: individuals and individual entrepreneurs.

The CER scheme is very similar to the algorithm of any compulsory insurance, only the role of insurers here is not citizens, but banks. Credit institutions pay a share of the funds raised to the Deposit Insurance Agency. From this money, the DIA forms an insurance fund, which is then spent on compensation to depositors of banks with a revoked license.

Current rates of bank contributions to the deposit insurance system

To become a participant in the CCT, the depositor does not need to enter into a separate agreement - insurance of the deposit occurs automatically when it is opened.

There are only two insurance cases in which the DIA compensates the deposit:

1 Revocation or cancellation of a bank license by the Central Bank. Occurs if signs of insolvency (impending bankruptcy) or violation of the requirements of the Central Bank of the Russian Federation are detected. Voluntary liquidation of a bank by its owners is not covered by the deposit insurance system - simply because the owners of the bank can make a decision to close only after full settlement with all creditors, including depositors.

If the owners decide to simply lock the office doors and go abroad, the bank will be liquidated by decision of the Central Bank - with the revocation of the license and compensation to customers under the deposit insurance system.

2 Moratorium. Prohibition of satisfying the claims of bank creditors (imposed by the Bank of Russia). A moratorium is introduced when the bank itself commits a delay to its creditors due to a lack of funds in its accounts.

Example: banks, in order to issue loans to individuals, themselves borrow money at a lower interest rate from other banks and organizations.

The essence of this measure is that the Central Bank suspends for 3 months any bank payments (payments on deposits, writs of execution, fines, penalties, etc.) except for current expenses (staff salaries, social benefits, utility and other business payments).

During this period, the Central Bank checks the work of the credit institution and decides whether to revoke its license. Two weeks after the introduction of the moratorium and before its end, you can contact the DIA with an application for compensation of the deposit. In the entire history of the Agency, a moratorium was introduced only twice: at Vneshprombank and Nota Bank in 2015.

Central Bank of the Russian Federation

If a bank’s license is revoked, the depositor can get back the invested amount (no more than 1.4 million rubles) without waiting for the credit institution’s procedure. The first payments are made 14 days after the announcement of the revocation of the license (if the register of depositors is in order and submitted to the DIA on time).

The deposit insurance agency works, as a rule, through agent banks; there are sixty-two of them in the DIA register. These are leading banks with state participation (for example, payments to clients of Yugra Bank were carried out by VTB24), as well as large private credit organizations (Alfa Bank, B&N Bank and others).

This was done to improve accessibility: agent bank branches, as a rule, are located in all major cities; it is easier for depositors to go there rather than send documents by mail to the DIA.

The legislation does not provide for any priority when paying compensation: two weeks after the license is revoked, any depositor (both an individual and an individual entrepreneur) can contact the agent bank - the main thing is that information about him is in the register of depositors of the bank whose license was revoked . More details about cases when information about the investor is not in the register and what to do in such situations are discussed at the end of this article.

The procedure for returning a deposit is simplified as much as possible: the depositor contacts the agent bank with a minimum number of documents. If everything is in order, the individual is transferred to the account specified by him or given in cash at the bank’s cash desk. For an individual entrepreneur, the returned funds are transferred to an account in any bank (it is most profitable to open an account with an agent bank - you do not have to pay a commission).

The revocation of a license, after which the bank ceases to operate, must be distinguished from reorganization (financial recovery). In the second case, a temporary administration is introduced in the bank, the owner may change and there will be a stir in the media, but nothing changes for the depositor - work with deposits proceeds as usual, the money can be withdrawn in full if desired. Typically, rehabilitation is used in two cases:

The bank is important for the state of the country's economy, and its closure may lead to negative macroeconomic consequences;
The deterioration is temporary and is associated with the panic of depositors, and not with a real financial “hole” in the bank’s capital.

In 2017, the Central Bank sanitized two credit organizations from the TOP-10 - Otkritie banks and B&N Bank.

Which banks are included in the deposit insurance system?

According to the DIA as of November 13, 2017, the deposit insurance system includes 476 operating Russian banks, which contain over 24 trillion rubles of deposits of individuals and individual entrepreneurs.

The law obliges all credit institutions that accept deposits from the public to participate in the CER. To have the right to display the “Deposits are insured” banner on their website, banks must meet several requirements:

Reliable reporting (according to the standards of the Central Bank), errors and inaccuracies should not affect the assessment of the financial stability of the organization;
Compliance with Central Bank standards on reserves, capital, etc.;
The financial stability of the bank was recognized by the Central Bank as sufficient (primarily in terms of liquidity, quality of risk management and other similar parameters);
Timely provision of information about persons under whose control the bank is located.
Timely correction of identified violations.

Not all banks meet these requirements. 4 credit organizations are now deprived of the right to attract funds from the public. Thus, the Central Bank points out to banks the problems with accounting for deposits and the suspicion of maintaining “notebook” accounts, when money is taken from depositors, but not recorded according to documents.

After the prohibition of attracting new deposits, the Central Bank of the Russian Federation begins to check for the presence of off-balance sheet accounts - for example, about 800 depositors were identified at Miko-Bank, whose money (828 million rubles) did not pass through the bank’s balance sheet and was lost in an unknown direction. As a rule, restrictions on accepting deposits result in the revocation of the license.

There are several ways to check if your bank is a member of the CER. The easiest thing is to look on the website of the Deposit Insurance Agency (section “Participating Banks”, sorted alphabetically: https://www.asv.org.ru/insurance/banks_list/). You can also clarify the information you are interested in by calling the toll-free hotline : 8 800 200-08-05.

A special sign developed by the DIA is posted on the Internet resources of banks included in the deposit insurance system. This sign is also placed on glass at cash desks and at bank tellers.

How to return a deposit if the bank’s license has been revoked

Only the Central Bank terminates the activities of a credit institution. The reimbursement process starts immediately after the bank's license is revoked.

Within a week from the date of receipt of the register of debt to depositors, the Deposit Insurance Agency sends a message to the “Bulletin of the Bank of Russia” and the official city newspaper at the location of the bank.

The text indicates the place, time, form and procedure for accepting applications for payment of compensation for deposits. Similar information is posted on the websites of the Agency and the bank itself. Then, within 30 days, the same messages are sent to depositors by mail.

Most often, depositors learn about the revocation of their bank’s license from the media; this is usually always talked about in the news on central channels, written on major news sites and portals, such as Yandex, Mail, etc.

Finally, if you go to the bank and the office is suspiciously closed during the middle of the working day, here is what you should do:

1 Go to the DIA website and then either call the hotline 8 800 200-08-05, or enter the name of your bank in the search bar. If it turns out that the bank’s license has been revoked, then find out which bank has been appointed as the DIA agent for compensation payments. This data is posted on the Deposit Insurance Agency website, or you can ask a hotline specialist.

2 14 days after the announcement of the revocation of the bank’s license (its date is indicated on the Agency’s website), the depositor, his representative or heir writes an application in the DIA form. The form can be downloaded on the Agency’s website (https://www.asv.org.ru/insurance/, section “Document Forms”) or filled out at an agent bank. There is no need to rush, but you need to be in time before the end of the bank bankruptcy procedure (this date will be announced on the websites of the DIA and the closed credit institution). If the investor or his heir “blundered”, the term can be restored by proving that the applicant was prevented by force majeure circumstances, military service or serious illness.

3 Documents are attached to the application. A passport is enough for the investor; the representative also brings a notarized power of attorney. If the depositor is a minor, parents or guardians provide his birth certificate. Adoptive parents are required to have an adoption document, and guardians, respectively, are required to establish guardianship. If it is not possible to submit documents in person to the agent bank, they can be sent by registered mail with notification.

4 By law, the agent bank must consider the depositor’s application no later than the end of the next business day (if the register of depositors has already been received by the bank from the DIA). If the amount of compensation is small, immediately after receiving the application it is paid through the cashier (the limit depends on the rules of the agent bank - in some cases they can pay a million, but most often the amount is limited to one or two hundred thousand rubles). Otherwise, the depositor will be asked to come the next day, the required amount will be prepared. If in the application the depositor wished to receive money by bank transfer, the agent bank is given three working days to do this.

5 Along with the money, the client is given a certificate stating how much has been paid/transferred. This document is especially important if your deposit exceeds 1.4 million, and you plan to make claims against the deprived bank in the future.

If compensation for the deposit for some reason (not related to the refusal to the client) is not paid on time, the depositor has the right to go to court. You can request the following:

penalty;
compensation for moral damage;
payment of interest for the use of other people's money from the first day of delay.

Life story

I had a deposit of 200 thousand rubles in the ever-memorable Bank-T. I knew that the bank was terrible, but it offered interest rates that were irresistible (about 12.5%, very steep even at that time). Time passed, I withdrew the interest onto my card. And then I saw in Yandex that the bank’s license had been revoked. I went to the DIA website - in the first line of the news there was a message about the time frame within which an agent bank would be appointed. I waited a few days, went to the site again - Sberbank was chosen as the agent bank. Deposits were not paid out everywhere; the list of branches was also posted on the DIA website. In the branch that was closest to me, the return of deposits was handled by the department that served Sber VIP clients. But there was a line there too—not of scandalous grannies, but there was a line. The first time I came just to ask. They said that you don’t need anything other than a passport. It is used to check the status of accounts. They immediately found me in the register, signed a statement drawn up by the manager - and that’s it, I can go to the cashier. I didn’t go to the cashier because I had an account with Sberbank and asked to transfer the money to it. The translation arrived instantly. What was a pleasant surprise was that they even reimbursed the interest for the last month of service. Bank-T paid interest on the last day of the month, but it did not finish until November 30th. I thought that I would not receive anything for November, or at most at the “on demand” rate, but they paid at the usual rate - another 1,700 rubles and a few kopecks, plus the body of the deposit.

DIA office in Moscow at the address: Vysotskogo Street, 4

FAQ

Are all types of bank deposits insured?

No, not all. The law establishes a clear list of deposits for which the state guarantees compensation:

on demand and urgent;
on salary, pension and scholarship bank accounts;
on individual entrepreneur accounts (in banks deprived of their license after January 1, 2014).
on accounts owned by guardians and trustees, but opened for minors or incompetent persons (in banks whose license was revoked after December 23, 2014).
on special accounts (escrow) opened by individuals for settlements on real estate transactions (in banks that remained without a license after April 2, 2015).

Here are some banking products that are not included in the deposit insurance system:

Funds on deposits of lawyers, notaries, etc., if these accounts are opened for professional activities.
Deposits of individuals are payable to bearer.
Funds transferred by individuals to banks for trust management.
Deposits opened in branches of Russian banks outside the Russian Federation (the CER does not apply to foreign countries).
Deposits in electronic money.
Funds in nominal and escrow accounts (other than those mentioned above).
Funds in unallocated metal accounts.

Is interest on the deposit insured?

Yes, they are insured, but only if they were added to the principal amount of the deposit before the start of the bankruptcy procedure. Let's look at some examples for better understanding:

Example #1

You placed 100,000 rubles on a deposit for a period of one year and accrual of interest at the end of the term. Let’s assume that six months after the conclusion of the agreement, the bank’s license was revoked. Since your money did not stay on deposit for a year, it means that interest was not accrued to you, which means it is not subject to insurance.

Example #2

You placed the same 100,000 rubles on the deposit, for a period of one year and interest accrued at the end of each month. Six months later, the bank’s license was revoked. In this case, you will receive your deposit + interest for six months, since they were accrued and due to the deposit amount every month.

Are debit card accounts included in the deposit insurance system?

Deposit insurance applies to debit card accounts; the compensation procedure for them is the same as for other types of deposits. The exception is prepaid bank cards. Money on them is not insured.

Life story

At one time I had a Svyaznoybank plastic card, I kept it for myself, and on it was a “rainy day” amount of 15 thousand rubles. One day, right before the New Year, I heard on the radio that the bank had closed a month ago. At first I decided that the “stash” was gone forever, but still I went online to look for clues. On the bank's website there was an instruction to apply for payments to Sberbank - with a passport. Knowing our bureaucracy, I took with me all the documents - the original and copies of the agreement with the bank and much more. And at the same time, the account number of another card to transfer money there if everything goes well. The Sberbank branch that I needed to contact was on the other side of the city, but I went there in good faith, thinking that the nearest office was unlikely to help me. They accepted me within 10 minutes. The employee took the passport and filled out the application herself. I signed. The employee herself went to the cashier with the check and brought me my 15 thousand. Everything took exactly 20 minutes.

When can payment be refused?

There are only three reasons why you will not be reimbursed for your deposit:

The register does not contain information about you as a depositor.
You provided incorrectly completed documents or did not provide any paper.
The agent bank did not receive the register of depositors from the DIA.

The agent bank is obliged to provide you with a written explanation of the refusal to pay insurance compensation.

Life story

We spent a long time choosing a bank to place money there, which we planned to later spend on buying an apartment, but for now earn money on interest. Deposit insurance was one of the main conditions. We live in Samara, and it seemed most convenient to open a deposit in the Volga-Kama Bank. From time to time they came, topped up, took statements - everything was as usual. And then there was a rumor that the bank was in trouble. We just had to make a contribution to buy an apartment, we got alarmed and ran to the bank. There was a kilometer-long line, of course, they didn’t see the money, but they almost forcibly knocked out a bank statement with account balances with a bank mark. And they calmed down. We waited for the “letter of happiness” from the DIA - and fell into shock. We are not on the registry! But we have an extract! We wrote a counter statement to the Agency, attached a copy, and are waiting for a decision. A reply came from the DIA: you are not on the register. They didn’t even look at the extract! If it weren’t for the State Duma deputy and the prosecutor’s office, we wouldn’t have gotten anything. As a result, they were paid only after 6 months.

What to do if you are not on the register of investors?

The reason for such an unpleasant situation may be the negligence of bank employees (documents on some of the depositors are lost or destroyed, employees are fired, there is nowhere to look for ends) or the so-called “off-balance sheet deposits” - when money was taken from depositors, but not carried out according to the documents, giving clients fake pieces of paper. As a result, you have an agreement in your hands, but there is no information in the bank that you made a deposit. Accordingly, when you contact the agent bank for compensation, you will receive a refusal. This was experienced, for example, by depositors of Crossinvestbank, Miko-Bank, and Stella Bank, where the number of “notebook” deposits was close to 100%.

The DIA sees two solutions to this issue. Sometimes the Agency recommends that depositors immediately go to court to demand reinstatement in the register. A claim against a bank whose license has been revoked must be filed only after receiving a refusal from the DIA. Much depends on the quality of the statement of claim; it should not be formulaic.

Please note: for the court, you are not a depositor who has suffered from fraud, but a person who is going to prove that he had a deposit in this bank. This means that the more convincing your evidence is - in the form of original documents, witness statements, and so on - the greater the chances.

If the client is in the register, but the deposit amount does not correspond to the real one, the DIA asks, along with a statement of disagreement with the payment amount, to provide the original documents for the deposit (agreement, orders, etc.) directly to the Agency (for example, send by mail). The review may take up to two months. The disadvantage of this scheme is the need to part with the original documents. This means that you will no longer be able to go to court.

What should I do if I do not agree with the refund amount?

There are two options.

Submit documents to the DIA to support your requirements. The agency will forward these papers to the bank. There, within 10 days from the date of receipt, they must consider your arguments and either make changes to the register of investors or refuse.
File a claim to establish the amount of payments in court.

Life story

I had to deal with the DIA twice. The first time when Investtrustbank’s license was revoked, everything went well, the money was quickly returned. And for the second time we had to protest the operating procedure of the deposit insurance system. We transferred more than a million rubles to Yugra Bank in the summer of 2017 - just at the moment its license was revoked. It turned out that part of the money was gone before the announcement of the insured event, and the second part (large) – right on the day of this announcement. Despite the fact that clause 5 of Article 11 of the Law “On Insurance of Individuals’ Deposits in Banks of the Russian Federation” states that the amount of compensation for deposits is calculated based on the balance of funds on the deposit at the end of the day the insured event occurs, the DIA takes the beginning of this as the cutoff day. And, accordingly, he does not want to return part of the money. We wrote a statement of disagreement with the payment, 10 days are running out, we will have to go to court.

I have three deposits in one bank for a total of 3 million rubles, but each of the deposits is less than 1.4 million. Will I get my full amount back if the bank goes bankrupt?

According to the law on deposit insurance, if you have several deposits in one bank, they will reimburse everything - but the total amount cannot exceed the same 1,400,000 rubles; the rest can be tried to be recovered directly from the bank whose license has been revoked. But deposits in several banks simultaneously deprived of licenses will be reimbursed 1.4 million for each closed institution.

Conclusion

Let's repeat the most important thoughts on deposit insurance:

The deposit insurance system applies only to individuals and individual entrepreneurs. In this case, the money of legal entities is not insured.
The DIA only insures bank deposits. If you see an advertisement for any financial instrument (forex, stocks, pamm accounts, mutual funds, etc.) that says that the funds you deposit are insured, then know that you are being deceived. This is a marketing trick that is often used to cover up financial pyramids and HYIPs.
Debit cards are subject to insurance, which means you can safely open cards with interest accrued on the balance.
Choose a bank where deposits are insured by the DIA.
Do not place more than 1.4 million rubles. in one bank per individual.
If you need to place an amount greater than 1.4 million rubles, then break the amount into parts, no more than 1.4 million rubles. and keep them in different banks, or open deposits for your relatives if the bank offers good rates.
If you are making a deposit, always ask for supporting documents from the bank, especially for deposits opened via the Internet. Keep all documents related to your deposit - agreement, checks for depositing money, etc., in case your data is suddenly not in the register.

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