How to find out the status of a statement of disagreement with the size of compensation in the DR. DCA Statement of Disagreement of ADV Checking the status of a statement of disagreement

It rarely, but still it happens, with the help of "gray" schemes, not all deposits or contributions are not displayed on the bank's balance sheet, which is revealed after the license is revealed. In this situation, some clients may not get into the depositors register for deposit insurance agency (DCA) or a smaller amount may be returned. With such a problem at the end of 2015, the depositors of the NST-Bank and the Bank "Maximum" were faced. Compare.ru tells how to act in such cases.

What to do to the depositor if his name is not in the register of obligations of the bank with a revoked license or does it disagree with the amount of compensation?

You can find out how much the bank depositor will receive without a license, you can only two weeks after the response when the ASV starts payments through the agent bank. Then, when applying for insurance compensation, the client will see an extract from the register of obligations indicating the amount of the deposit.

If the amount is less than the contribution, despite the fact that it does not exceed the insured by the state 1.4 million rubles, or even worse than the depositor will not be in the list, then it will be necessary to write a statement about disagreement and attach documents confirming his words.

The application can be sent to the DRT through a bank agent, which makes payments or independently transfer it.

What documents may be evidence of the contribution and its exact amount?

Documents that confirm the validity of the claims of the depositor:

bank deposit agreement, savings book;
cash order;
account statements.

The statement needs to apply the originals of these documents, and not their copies. It is still necessary to capture a passport with you.

If the contributor lost or for some other reason did not save these documents?

"The contribution contract is also in the bank itself - when opening a deposit, the document is signed in two copies. And in the case of loss, the credit organization simply finds its copy and works on its basis on. If the bank is problematic, that is, he has been overdue or withdrawn a license, it is in the stage of rehabilitation, and the treaties were derived, then the problem is unlikely to be solved. In this case, the investor has the only way out of the current situation - to bring a contract, otherwise he remains with anything, "Commented on Compare. The manager of Kirikov Group Daniel Kirikov commented.

It is very important until the inclusion of the contribution to keep a contract and all documents, including checks after the next deposit replenishment. Experts also advise once a few months to request an extract in the bank, certified by seal.

Of course, the client of the Bank with a revoked license, which did not fall into the payment register (or the registry is less than) and also lost the contribution agreement, there is an opportunity to apply to the court.

"He needs to contact the police or the prosecutor's office, write a statement, there must be their composition of the crime - that is, it should be known to know that the bank brought deposits for the balance, then the investigation, and the court is very long. Few, firstly, will do this, but, secondly, and then the likelihood of a positive solution is under a big question, "Daniel Kirikov warns.

How many days of the ASV is considering a statement about disagreement?

On average, the statement of the contributor about disagreement is seen within two or three weeks. During this period, the agency will send a request to the Bank of its temporary administration, analyzes the data of bank accounting, check the documents and will decide on the results - to include the depositor or unrecorded deposit amount into the registry or not.

How to find out about the decision of the DC?

It is possible to obtain data on the status of consideration of the application using the Special on the DIA website. It is enough to fill out a simple form with an indication of the name and passport data. If the decision is already accepted, you can find out about it using another service - in the section by selecting the required bank.

What if the ASV rejected disagreement statement?

The DSA may refuse if the depositor provided an inclusion agreement concluded in non-standard form (for example, the document does not specify the balance sheet number) or if the client has crushed his major contribution before the review of the license, disabling it for several people - to each deposit within the sum insured. It is possible to appeal the decision of the agency only in court.

How can the situation reducing the "crusher" of deposits repentable?

Suppose that a large contributor (at the deposit more than 1.4 million rubles) found out about the problems in his bank in advance - said someone from acquaintances, came across the material on the Internet. He in panic resorts to the office of the credit institution and wants to pick up his money, and the bank employee calms him down: "What are you afraid of? You can simply break the contribution to several parts, each within the insurance compensation, and arrange these parts on your relatives - then each of them will receive insurance in the case of anything, and you will not lose anything! ".

Situations where the depositor does not suit the amount of insurance compensation by the Bank, often happen. In this case it is useful to have an idea how to learn about disagreement in the DC. Since the number of applications that are submitted daily is about 1000, the sentence of the decision is sometimes delayed to 1.5 months. But to answer the question of how much it will not last, because it is not known how much in the future the statements of this kind will be submitted.

If the contributor has complains about the size of the insurance indemnity, it needs to be applied to a certain sample to contact the Deposit Insurance Agency (DC). In addition to the application itself, you need a small package of documents:

Treaty.
Came order.
Account statements.

That is, any document that could confirm the requirements of the depositor.

Note! The application form itself disagreement can be found on the ASV website in the "Blanks" section.

The package of documents should be transferred to the representative of the agent bank who pays funds. Another option is sending through the Russian Post to the Agency's address.

On the period of 10 days from the date of receipt of documents, the ASV transmits them to the bank.
An financial institution has another 10 days to make adjustments to the Register of Bank's obligations.
After that, the Bank itself has 10 days to inform the ART on the results of consideration.
On the message of the Depositor of the results at the ASV there is another 5 days.

The decision of the bank may be in this form:

Take the requirements and pay the amount of compensation.
Refuse to compensate. In this case, the depositor has the right to file a lawsuit.

We learn the status

To learn at what stage of the consideration of the application can be on the SIR website in the section "". In the appropriate lines, you need to enter such data:

Bank.
Surname.
Patronymic - optional props.
Series and passport number.
Capcho - it is necessary to confirm that the robot does not work with the system.
Be sure to mention the Talk of the consent of the processing of personal data via the Internet.

Important! It is worth noting that when sending information through this form by unprotected channels, which can lead to the capture of third parties.

Output

Learn the status of your application is easy. You just need to have all the necessary details and access to the Internet.

Get the reimbursement on the deposit in a broken bank is usually easy: you are waiting for the ads on the start of payments, come to the appointed bank agent with a passport, fill in place a statement and get insurance in the amount of up to 1.4 million rubles in cash or account. But sometimes the ASV determines the amount incorrectly. To resolve this situation there is a procedure submission of an application for disagreement with the size of insurance compensation. Tell in order.

When should I apply for disagreement?

In any cases, when you think that the ASV incorrectly determined the amount of insurance payments according to your contribution. For example, if you have, and when calculating payments, your recent loan payments are not taken into account. Or the DRA calculated insurance for the wrong course (here is an example of an example of Vizranbank, who first introduced a moratorium to satisfy the obligations, and then withdrawn the license, and the Central Bank officially announced the payment of compensation at the rate at the date of the moratorium - the difference is essential).

note: If the size of your contribution is more than 1.4 million, and the DSP paid you the maximum insurance of 1.4 million rubles, all other claims for the definition of the amount of obligations of the Bank must be addressed, and not a statement of disagreement.

Procedure for submission of an application for disagreement with the size of insurance insurance

1) contact the Bank-agent for receiving the unit of the insurer's insurement.

Some contributors believe that if you pick up this amount, you can not challenge anything. This is not true. Upon receipt of payment, you are issued an extract from the register of obligations of the Bank and the certificate of paid amounts and deposits. That is, the bank simply informs you what residue according to your contribution according to it and confirms how much you paid. No statement that you have no pay claims, you do not sign. And, of course, this is your opportunity quickly and without any vessels to get at least part of your money.

2) Fill out and submit an application for disagreement with the size of insurance for the deposit.

Application is free. The terms of reference are essentially not limited, but it is better to hurry. There are 2 methods of filing the application - to hand this application for painting to the Agent Bank employees for subsequent transmission to the DCA or send it by the registered mail to the QA (one can also be a valuable letter with the investment describing, be sure to keep the postage receipt and inventory with postage stamp). Applying for disagreement in electronic form, unfortunately, is not yet provided.

3) The DEM reports an application for disagreement to the Bank for consideration.

Term - 10 calendar days from the date of receipt. You can track the status of the application on the SIR website. If the bank recognizes your arguments justified, it makes changes to the register of obligations and reports the ARS. After updating the registry, the DSP pays you compensation. If after that, the question did not decide in your favor, you can about establishing the composition and size of the requirements and subject to payments to deposits.

How to fill out an application for disagreement?

On the title page Specify the full name of the bank, the actual data of the applicant on the passport (FULL NAME, date of birth, passport data, address and contact phone number). If the passport changed, write the data of the new passport here. The applicant may be the contributor himself, the heir, a representative by proxy.
In the list of additional documents A copy of the passport, a copy of the notarial power of attacking the payment for the payment, a notarized copy of the certificate of inheritance, a notarial copy of the certificate of certificate of powers of the executor of the will, bills to make regular loan payments or to replenish contribution / accounts, which When calculating the amount of compensation, additional explanations of the essence of a situation or a detailed calculation of the amount of compensation (they can be set forth on individual sheets and attach to the statement of disagreement), etc. depending on the situation.
In the table "The list of bank commitments before the depositor" Specify separately for each contract of deposit / bank account, how much should the bank according to your data. Amounts are specified in the currency obligations, those. If the contribution was currency, in this table, it is not necessary to recalculate it in rubles.
In the table "List of the account of the depositor to the bank" These debts are indicated before the bank, for example, on a loan agreement. Yet again according to your data and in the currency obligations (if the loan was currency, here it is not necessary to recalculate in rubles).
In the row amount of compensation It will be necessary on the basis of two tables to consider the final amount that the DSU should in rubles That is, all the data from the tables will need to be translated into rubles at the rate of the Central Bank at the date of the occurrence of the insured event.
Section Additional Information Fill in case of a passport change (if there are only old data in the bank), appeals to the payment of insurance of the heir, the executor of the will or other person (the competitive manager of the bankrupt depositor, the representative by proxy, etc.).

when changing the passport - specify the data of the old passport;
when contacting the heir, the executor of the will - specify the data of the investor-testator;
when contacting a proxy representative - specify the depositor data.

How to calculate the amount of compensation?

Take the data from our filled sample. Suppose that the QA decided to pay the depositor of Vesselbank Dostoevsky F.M. 715374.29 rubles at the rate on 12/22/2015 - the date of ads of the moratorium. Depositor Dostoevsky F.M. He believes that he must pay insurance at the rate on 01/21/2016 - the date of the license. The question of the correctness of a course for payments to the depositors of Vesselbank in this article will not be discussed, this is a separate big topic.

For more than 10 years in Russia there is a so-called deposit insurance system. Before the introduction of this system, you could not guarantee the preservation of their savings.

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

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The bank went bankrupt or with him withdrawn the license - all the money is irretrievably lost. But it was before, now there is nothing to be afraid. In any bank, having appropriate accreditation from the DEM, can be completely calmly invest.

What it is

Proper functioning of the system is ensured. In fulfillment of the requirements of this FZ, the state was created by the Corporation, called the Deposit Insurance Agency (abbreviated - DC).

It happened in January 2004. Since then, the planned involvement of Russian banks in the insurance system has begun.

The purpose of creating a corporation is to ensure the functioning of insurance at the state level.

On the DEM, in order to execute the legislative requirements, the following functions are assigned:

implementation of compensation payments to depositors when an insured event occurs;
conducting an official register of credit institutions involved in the insurance system;
control over the formation of the insurance fund;
management of insurance fund insurance funds;
other functions, directly or indirectly ensuring the proper functioning of the system as a whole.

Official statistics for 2020:

What deposits are considered insured

According to 177-FZ, funds are subject to insurance in rubles and foreign currency, which were placed by individuals in banks located on the territory of the Russian Federation and included in the insurance system.

The basis of the placement of funds should be:

or deposit agreement;
or account account.

Important! The insured are not only money made on the deposit initially, but also a classified (capitalized) interest.

Insurance cases

The Depositor's right to apply for monetary compensation occurs in the case of an insurance event. There are only two of them:

recalling a bank license for banking operations;
bankruptcy (failure) of the credit institution.

The procedure for reimbursement of deposits in the DC

So, in relation to the bank, in which an individual has a contribution, an insured event occurred. What to do?

There is a certain sequence of actions:

to clarify whether a citizen has the right to receive payment (first of all, who he is - by the Depositor himself, his representative or heir);
next, it is necessary to know who is responsible for the implementation of insurance payments - the ASV itself or a bank agent (the ASV may entrust the payment of insurance to other banks due to the territorial factor for the convenience of citizens);
check the deadlines when it is still possible to pay for compensation - in the bankruptcy of the Bank, the depositor can use its right to the end of the insolvency procedure inclusive;
collect documentation (more details below) and submit to the DC or Bank agent;
expect cash enrollment in terms and procedure established by 177-FZ (more details below).

Necessary documentation

When visiting a bank-agent or directly ARS, depositor or the heir will need to be provided:

documents confirming the identity;
for the heir - documentation indicating the presence of the right to inheritance.

Note! Details of the identity document must coincide with those specified in the Bank Account / Deposit Treaty.

That is why it is important to notify the bank in which there is a deposit, about the replacement of the passport. Otherwise, additional difficulties may arise with the receipt of insurance.

Important! In addition to the above documents, the representative of the depositor must submit, stating the right to receive compensation.

The procedure for payment of compensation

The payment of insurance is carried out according to the official register of the Bank's obligations to creditors (depositors).

Regulatory period of payments:

after 2 weeks from the day of the insurance event;
but no later than 3 days from the date of submission by the applicant a complete set of documentation.

Instead of the documents provided, the ARS or the Bank agent issues an extract to an extract from the register of credit commitment obligations indicating the amount of compensation.

Compensation payments are carried out in two basic forms:

cash;
cashless payment (at the bank account or bank card).

Which way to use - the investor himself decides. All the information you are interested in on the procedure for payment of compensation can be clarified by the free number of the agency.

Reimbursement

The amount of insurance is:

100% of the deposit amount;
but not more than 1.4 million rubles.

This amount of compensation is valid if the insured event has occurred later on 29.12. 2020. Previously, the reduced maximum size was operated - only 700 thousand rubles.

The above is valid for one deposit in one credit structure. But how is insurance calculated if a citizen has several contributions in the same financial organization?

In this case, the calculation is carried out in proportion to the size of the existing deposits. However, the total amount of compensation can also not exceed 1.4 million rubles.

Example. At the depositor of 5 deposits in bankrupt bank:

Deposit	Its size
1-y.	100000
2-y.	200000
3rd	250000
4-y.	500000
5-y.	400000

Decision. The total amount of investments is 1.5 million rubles. However, compensation will be paid only in the amount of 1.4 million rubles. It turns out, a citizen will lose 100 thousand rubles.

Insurance is paid only in Russian rubles. If the contribution (contributions) was in foreign currency, conversion to the Russian rubles at the rate of the Central Bank, installed on the day of the insurance event.

How to calculate it

To find out how much the QA will pay, you can use the calculator located on the website of the State Corporation.

For this:

we go to the OSR website;
in the left menu, click "Deposit Insurance";

on the opened page we find the "Insurance Reimbursement Calculator".

The form of calculation is simple and simple - it is necessary to introduce the date of the insurance case, the amount of deposit in one bank, the amount of the counter request (if the investor had loans, the obligations are subdued from insurance) and click "Calculate". In the "Amount of Reimbursement" field and will be presented the outcome size of insurance.

Example:

How to find out the status of the statement of disagreement

If the depositor does not agree with the size of the insurance, it can be submitted to the DRE or a controlled bank agent.

Tracking the status of consideration of the application is available on the official website of the Agency. At the same time, the contributor must specify that he wants to receive relevant information on the Internet.

To get information about the status of consideration of the application, follows:

go to the ARS website to the "Deposit Insurance" section;

click "Find out the status";

fill out the form of investor details:
- name of the bank;
- series, passport number.

After filling out all required fields, enter the code from the picture, agree with the policy of processing personal information and follow the further instructions of the system.

Questions and answers

W: Is insurance for funds on debit cards extends?

Oh: A bank account usually opens to any debit card. Accounts are subject to discovery on the basis of an account agreement. According to the law, the funds placed on the basis of such a contract are insured. So, insurance is applied to debit plastic cards.

W: Are dischanter metal accounts insured?

Oh: No, the insurance system ensures the safety of only money, and not money is taken into account on metal accounts, and precious metals.

W. Tell me, are interest insured?

Oh: Yes, but only if they are counted for the deposit (that is, they are capitalized). If income is paid to the depositor, such percentages are not subject to insurance.

C.: Several contributions were opened in the same bank, but in different offices (departments, offices). What size will insurance be paid?

Oh: Deposits in various branches of the same bank \u003d deposits in one bank. Accordingly, compensation will be paid in the amount of 100% of the amount of all deposits, but not more than 1.4 million rubles.

W. My spouse has a deposit, and I, too (in the same bank). What will insurance be?

Oh: Each of the spouses will receive compensation separately.

W.: What to do if I missed the deadline for filing the application?

A: The Board of the ASV can restore the missed deadlines, but only in cases established by the Federal Law. Such may be, for example, a long disease, finding on a business trip, etc.

The DSA is a state institution, the main purpose of which is to ensure the safety of the financial resources of citizens on deposit accounts in Russian banks.

The insurance system is controlled by the state - there is a separate federal law, in which all concerning the work of the system of the nuances are prescribed.

Video: All about deposits. Marina Komarova

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1. To the question of the presence of funds to ensure the payment of insurance compensation to depositors of the Bank.

The Agency for the Law is paying compensation on deposits from the funds of the Commitable Deposit Insurance Fund. The fund, in turn, is replenished at the expense of the following sources established by the law: quarterly contributions of existing bank members of the system of compulsory deposit insurance; return funds from the competitive masses of liquidated banks on the requirements of the Agency, based on the previously paid insurance compensation; The borrowed funds received from the Bank of Russia as needed for up to 5 years within the credit line, the sequence of which is also adjusted as needed.

All its financial obligations to depositors and agent banks, advantageous, as a rule, their money payments for up to 3 months, the Agency executes in a timely manner.

The main financial indicators of the Agency are published on a quarterly basis on the website of the WWW .. In accordance with the latest published reporting as of April 1, 2016, the balance sheet size of the Foundation was 32.2 billion rubles, the amount of the credit line of the Bank of Russia - 420 billion rubles.

2. To the question of the presence of a database of "off-balance" accounting of deposits.

In addition to the main ABS, the provisional administration of the Bank was discovered in addition to the main ABS, in which official accounting was conducted and reporting was also formed, fragments of additional databases, which testify to the organization of the former leadership of the bank of the extra system accounting of the part of the funds raised. The register of the Bank's commitment to which payments are carried out is formed according to official accounting. When considering incoming statements on disagreement to make a decision on the possibility of restoring deposits in the agency, the amounts and details of the accounts contained in the documents submitted by depositors, and the currently affordable information bases are reflected in all available information bases, the signatures of investors on the documents are carried out by other analytical work, including in order to prevent the risk of insurance for fictitious deposits. The conclusion about the degree of reliability and completeness of the bank's credentials available at the disposal can be made according to the results of such an analysis.

3. On the issue of the number of accepted statements, the speed of their processing in the agency and the procedure for the interaction of the ASV with the Agent Bank (PJSC Sberbank).

Acceptance of depositors' applications that do not agree with the size of insurance compensation are carried out in accordance with the established procedure through the Bank-agent PJSC Sberbank. All questions of the interaction of the ASV with the Bank Agent, including the procedure for weekly transmission to the agency adopted statements about disagreements and documents, are governed by the Agency Agreement, the general conditions of which (the procedure for the participation of the Bank-agent in the payment of insurance compensation) are published on the Agency's website in the "Regulatory" Documents / Insurance Deposits. "

Currently (as of 08.22.2016), the Agent Bank adopted statements from 31 thousand depositors, of which the statements of 17.5 thousand depositors were enrolled in the DC, 12 thousand are registered in the prescribed manner as inbound correspondence, of which 7,377 thousand depositors of the application were considered essentially and sent to a temporary administration of the Bank, having an exclusive right at this stage to make decisions about changing the register of insurance payments, with a petition for restoring deposits in full claims. 5.3 thousand depositors of the decision to restore contributions and adjust the registry registry was adopted, these depositors are invited (by sending SMS messages) for payments to the agent bank.

Summary information on the status of acceptance and consideration of applications from 08/16/2016 is updated daily on the "Insurance / ARSBANK" page of the Official Site of the QU. Currently, the Agency is considered an average of about 1000 applications per day. Each depositor can receive information on the registration and status of processing its application through a specially designed service "Find out the status of a disagreement statement" http: //www..php, a link to which is located on the same page of the agency website. On a separate page of the service page, there are examples of service messages and comments necessary for their understanding. In the absence of access to the site, the depositor may receive information from this service by the phone "hotline" of the 8-800-200-0805, saying the operator's name, the series and passport number.

4. To the question of the procedure for processing applications for disagreement with the size of insurance compensation for deposits in Aksbank JSC and complying with the principle of calendar sequence.

Accepted by the Bank-agent documents having a 32-digit registration number (for example, 1234567-H-123456789012-02.08.2016, where 02.08.2016 - the date of acceptance of the statement by the Bank Agent) enroll in the DVI in batches (portions) twice a week. Registration of such documents in the DVI with the assignment of the internal registration number and the date (for example, 12345-1 of 08.08.2016), as well as the creation of electronic images (scanning) of all documents within each party received in the order of the calendar order of accepting applications by the Bank Agent . Documents registered in this way are transmitted to the consistence of a special division of the ASV and are also considered in the calendar sequence of their reception by the Agent. If among the registered statements are discussed by all documents of one date of adoption by the Bank Agent, the following calendar dates may be considered. As of 08/19/16, applications received in the agent bank per day of the commencement of payments, August 2, 2016

5. Regarding the timing of the completion of application processing.

Based on the processing speed of already received applications (about 1000 per day), it is planned to complete their consideration of approximately 1.5 months after the start of payments. At the same time, it is not possible to determine the date of completion of the recovery in accounting of all deposits, since it is now reliably unknown, how many applications will come in the future, as well as which part of the depositors will present confirmation documents not throughout the amount of requirements.

6. On the payment of compensation to persons who did not submit part of confirmation documents.

Currently, the decision to make changes to the registry and the payment of insurance compensation is made on the basis of the settlement documents submitted by the depositors (copies of the acquisition of cash orders and payment orders) and account statements. In the event that the submitted documents are confirmed not all cash receipts on the account, the contribution will be restored and the payment of compensation will be made within the amount confirmed by documenor if another procedure for the consideration of the requirements of the depositors will not be established.

7. On the payment of interest on deposits.

According to the restored deposits, interest in the rates due to the terms provided for by the terms of the contracts, for the period up to the Day of Reviews of the License Bank, are calculated. These interest are included in the calculation of insurance compensation.

8. On compensation to depositors of missed benefits due to the need to restore contributions in accounting.

The payment of compensation on deposits in the bank has begun by the Agency 14 days after the occurrence of an insured event, which complies with the Federal Law "On Insurance of Deposits of Individuals in the Banks of the Russian Federation". Payment in accordance with the registry is always carried out within three working days after the depositor of the Depositor to the Bank Bank. As the agency of applications and coordination of the Bank's Temporary Administration, the Registry reflects the recovered amounts of deposits on which additional insurance compensation may be obtained on time. The law provides for the responsibility of the agency for the delay in its fault of the consistent amount of compensation.

Thus, the Agency complies with the requirements established by the Law on the timing and size of the payment of insurance compensation.

9. Why applying for disagreement with the size of compensation on deposits in Arsbank (AO) is not carried out in the offices of deposit insurance agency, but only in the departments of the agent bank?

Deposit Insurance Agency does not have its own operating offices, as well as technical and personnel capabilities for receiving and processing a significant amount of documents. This function, on the basis of the Agency Agreement, is entrusted to PJSC Sberbank, more than 300 divisions of which will receive the specified statements and send them to the Agency.

10. When making an application for disagreement with the size of compensation on deposits in Aksbank JSC, not all confirmation of documents (one of the acquisition of cash orders) was attached. How can I provide the missing document to the agency?

In the case of an incomplete package of primary banking documents, confirming the amount of requirements, the depositor may re-contact a bank agent, where another disagreement statement will be issued to which the missing documents must be made. Also, these documents can be sent to the address of the agency by mail (109240, Moscow, Ul.Vysotsky, D.4).

11. An application for disagreement on ARKSBAN JSC issued in Sberbank 02.08.2016. The application is filed only one. Why in the service "For depositors of Aksbank: find out the status of disagreement" Displays three statements with different numbers?

While the service is at the stage of trial operation, in response to the user's request, together with the registration number of the original statement, the draft numbers of the draft "Chernovikov" of applications with their unique registration numbers, which the Agent Bank operator created in the process of dialogue with the contributor, but did not delete From the system. Such "drafts" on paper do not exist and are visible only in the service, registration of the statement in the ASV is carried out after its receipt from the agent bank in the original, so the process of further consideration of the Chernoviki statement does not affect. Error in the service is localized, the data correction is engaged in the automation of the Bank Agent. After the adjustment of "Chernivikov" will not be visible.

12. Where to apply to obtain insurance compensation?

Before the start date of the payment, the Deposit Insurance Agency will place on its website on the Internet official announcement for depositors on places, time, form and procedure for accepting applications for insurance compensation with an indication of the Agent Bank, and will also direct an announcement to publish in the "Bulletin of the Bank of Russia ", In the printed organ at the location of the bank.

13. What is the amount of compensation for deposits in the bank?

Insurance compensation is paid to each depositor in the amount of 100% of all deposits (accounts) in the Bank, including capitalized on the date of occurrence of an insurance case on deposits (accounts), but in the aggregate of no more than 1.4 million rubles.

14. Does insurance disseminate money placed on debit bank cards (including salary)?

Cash on debit cards is funds posted on the current accounts of individuals open to the implementation of settlements using bank cards. Accounts are opened on the basis of a bank account agreement, which is usually part of the Treaty for the issue and maintenance of the card. As a rule, such an Agreement is by signing a depositor of an application for opening a card, which is the acceptance of some public rules for servicing cards placed by the Bank on the site. Cash placed by the Depositor or in its favor on the basis of a bank deposit or bank account agreement, in the terminology of the Deposit Insurance Act is considered to be a contribution. The list of exceptions in the bank cards are not made. So they are insured.

15. What currency is compensation?

Payment of compensation on deposits is made in rubles. If the contribution is posted in foreign currency, the amount of reimbursement on deposits is calculated in rubles on the course established by the Bank of Russia on the day of the insured event.

16. What documents are needed to obtain reimbursement on deposits?