Deposit insurance sum. The insured amount of the deposit - the mechanism of action of the state system and the maximum amount of payment

Bank deposits of Russians are insured by the state. In order for a bank to go bankrupt (and the Central Bank revokes licenses from credit institutions quite often), depositors were left with nothing, there is a deposit insurance system. This system works like this - all banks contribute a certain amount to a specially created agency, which, at the expense of these insurance premiums, compensates depositors of bankrupt banks for their accumulations. What is the amount of the deposit insured by the state in 2018 - limit value contribution, which the state compensates within the insurance system.

Deposits for what amount are insured by the state in 2018

Until 2015 maximum value the insured deposit was 700 thousand rubles. Three years ago, this amount was doubled at once. and since then nothing has changed. The maximum amount of a bank deposit that is insured by the state in 2018 is 1 million 400 thousand rubles.

Deposit insurance in Russia has a number of features that you need to keep in mind.

First, deposits are insured only when the credit institution cooperates with the DIA, or the Deposit Insurance Agency. This agency manages insurance premiums that are paid by banks in the event of bankruptcy of themselves or their competitors (common piggy bank).

Secondly, the law provides partly controversial point... Not only the deposit itself is insured, but also the interest that "ran up" during the period of placing the deposit in the bank.

On the one hand, this is fair - the client of a bankrupt bank receives a full refund without losing the investment on capitalization. The problem is that, in part, this legislative nuance encourages unscrupulous bankers.

What is the disadvantage of this norm? One of the obvious signs of a bank that is in trouble is the promise of a high interest rate on the deposit. Thus, the bank in all ways attracts new customers who would bring him money. Probably, the credit institution really needs these funds, since it began to work as a pyramid scheme, paying off its debts through new contributions from clients.

Sooner or later (rather early) such a pyramid will burst. Tellingly, financially literate depositors understand this, but they bring money to the bank, because they know that the state compensates for the deposit itself, and favorable interest on it.

Of course, the Central Bank immediately pays attention to banks that offer suspicious high interest rates on deposits. However, a kind of hole in the law remains.

How bank deposits are insured in 2018 if one person has several of them

It all depends on whether two or more deposits are opened in one bank, or a person keeps his money in several credit institutions.

If a person has contributions to different banks, then everything is simple - each of them is individually insured for 1.4 million rubles. Therefore, an amount of several million can be deposited in various banks. Even if two or three banks go bankrupt, the money from each account will be returned under the insurance program.

But if a person has several deposits for a total amount of more than 1.4 million rubles in the same bank, in fact it is the same as if it were one deposit for such a large amount.

In such cases, the person's right to compensation, of course, remains, but the procedure for compensation will be completely different.

For an amount in excess of 1.4 million, you will need to submit a special application, after which the person will be in the waiting line. It will take a long time to wait for compensation - the Deposit Insurance Agency sells the property of the bankrupt bank in order to compensate for payments to primary creditors. Only after that, if something remains of the proceeds, additional compensation will be paid.

It is clear that in practice, in such a situation, it will be possible to get something either very slowly, or never at all.

What if the bank goes bankrupt?

If your bank is declared bankrupt, there is no need to panic. An interim management will be appointed within two weeks after the bankruptcy is declared at the bank. Payments to customers will be made by an agent bank appointed by the DIA. What kind of bank it is and where to go can be clarified on the website of the Deposit Insurance Agency and / or on the website of the bankrupt bank.

To get a refund, you will need to show up and write a statement. To do this, most often it is enough to go to the branch of your bank with a passport and an agreement to open a deposit.

As for those who took out a loan from a bank that went bankrupt, if there is a deposit in the same bank, the loan amount is usually reduced by the amount of this deposit. Also keep in mind - make obligatory payment until new details are announced, it is not worth it. The money may disappear, then you will have to find it and return it. The best way is to wait for new details or check with the bank branch what to do.

What is the most important point when choosing bank deposit for most citizens of the Russian Federation - interest rate or bank reliability?

In conditions modern economy when the Central Bank deliberately reduces the number of credit institutions, bank deposit insurance should be at the head of the selection criteria - after all, only deposit insurance individuals will help to recover their savings in case of revocation of the license or the introduction of a moratorium in the bank.

Today we will tell you the main points that you need to know on the topic of insurance of deposits in banks - who insures, from what, to what amount the deposits are insured in 2018 and how much it costs.

Who provides state insurance for individuals' deposits?

Insurance of deposits of individuals in banks of the Russian Federation is provided by the DIA - the Deposit Insurance Agency. Since 2004, the DIA has been entrusted with the function of compensating funds to bank depositors who:

• Loss of licenses
• Lose their creditworthiness,
• The Central Bank is suspected of illegal operations,
• Receive a moratorium from the Central Bank on settlements with creditors;
• Or otherwise stop the activity.

An insured event on bank deposits occurs after the relevant decision is made by the Central Bank. Clients are notified through the media and messages on the websites of the Central Bank and the DIA.

The DIA is also engaged in the bankruptcy management of insolvent banks, temporary administration, and until the end of 2017 served as a sanator. V this moment The Bank of Russia is mastering new rehabilitation mechanisms, reducing the burden on the Agency, in particular - a number of important banks were rescued at the expense of the Consolidation Fund banking sector.

What deposits are insured?

Today, in banks, you can find various variations of earning income from your own funds - term deposits, savings certificates, individual savings accounts, investment projects, deposit cards. Not all accounts are covered by the amount of compensation for deposits in 2018.

The insured are:

• Time deposits and deposits "";
• Salary, retirement accounts, cards and accounts for receiving social benefits;
• Individual entrepreneur accounts;
• Nominal accounts of trustees and guardians opened for the ward;
• Ecrow accounts (for real estate transactions).

Not insured:

• Lawyers 'and notaries' accounts;
• Bearer deposits;
• Nameless;
• Trust accounts (i.e. bank accounts);
• Deposits in branches of Russian banks located outside the Russian Federation;
• Electronic money deposits

Deposit insurance legal entities in banks is not carried out! But - it is planned, since legal entities suffer from the collapse of banks more than others. The Central Bank is already considering several initiatives to amend the law on insurance.

How much are bank deposits insured?

The guaranteed amount of the deposit return in 2018 is 100%, but not more than 1.4 million rubles. The amount of deposit insurance in 2018 remained unchanged in relation to 2017, but twice exceeded the maximum in 2016 (then the DIA reimbursed a maximum of 700 thousand rubles).

Please note: the maximum amount of deposit insurance in 2018 includes not only your deposit, but also the capitalized interest accrued on it as of the date of occurrence insured event... Capitalized is interest added to the amount of the deposit. If the bank paid the profit to a separate account, the interest compensation is not required.

How much does a deposit insurance program cost?

The Individual Deposit Insurance Association forms the fund from contributions paid by banks. This is not a compulsory deposit insurance, but most of the large banks participate in the program on their own initiative.

For individual depositors, the protection of deposits by the state is free!

Banks deduct 0.1% of the calculation base per quarter, and if rates are overestimated by 2-3 points from the average value, the deductions are 0.2% per quarter (0.8% per year).

How to get insurance compensation for a deposit?

If you are not wondering what amount is insured by the state for deposits, but upon the occurrence of an insured event, follow our instructions:

• Make sure the type of account is compensable;
• Find any documents confirming the presence of a deposit (if there are none, make printouts in the online bank);
• Wait for the message about the choice of banks-agents for reimbursement (the deposit insurance system on the official website posts the news about the appointed agent within 5-7 days from the date of the insured event);
• Contact the agent bank for reimbursement (payments begin no later than 2 weeks after the insured event).

You can claim compensation during the entire liquidation period of the bank (as a rule, this process takes about 2 years).

Now we will consider the most interesting and saddest moments - if your name is not in the register of payments, and if the amount of the deposit has exceeded sum insured 1.4 million rubles.

If the surname is not in the refund register?

Your data may not be in the DIA register for the following reasons:

• The account is not insured (see the paragraph "Which deposits are insured?")

• You turned to the wrong agent (several banks may be appointed for payments, between which depositors are divided according to the first letter of the surname);
• Your deposit has gone "off balance" (often banks accept deposits on the eve of license revocation according to a "notebook", then you need to contact the DIA - 95% of such problems are resolved without a trial.

The contribution has exceeded the insured amount

If you are "lucky" to get into the ranks of the so-called "oversteps", you need to fill out an application in the agent bank for inclusion in the register of creditors' claims for the amount not received, indicating the account number for payment. Be sure to indicate whether you have a document confirming the validity of your claim (deposit agreement, receipts, etc.).

The claims of the "oversteps" are considered by the bankruptcy department in the course of liquidation (the bank's assets are sold, debts are returned with this money). Often, the bankruptcy estate turns out to be insufficient to compensate for the losses of creditors (a "hole" in the capital is formed). In this case, courts or farewell to your money await you.

For those who have read this article to the end out of interest, and not on the fact of an insured event, advice - do not store more than 1.4 million rubles in one bank! And always have confirmation of your account on hand! Even when making a deposit online, do not be lazy and take a printed copy of the contract at the office.

Legislation changes periodically. They are supplemented, worded, updated. After all, the legislation must correspond to the current reality. 08/03/2018 The Head of State signed a special law, where he approved the introduction of certain changes to some of the existing acts. In particular, the changes will affect deposit insurance, as well as total amount reimbursement in 2018-2019.

When will the new law take effect?

President signed a new the federal law No. 322-FZ - "On Amendments to the Federal Law" On Insurance of Individual Deposits in Banks Russian Federation", Including other acts of the Russian Federation.

This law was earlier, on July 24, adopted by the State Duma and approved by the Federation Council later, on July 28.

ФЗ comes into force on 01.01.2019

Major changes

The text of the earlier adopted act was changed - FZ 177, namely “On insurance of deposits of individuals in banks of the Russian Federation”.

What aspects did the innovation touch? First of all, the concept of "natural person" is removed. FZ expands its scope of activity. Previously, deposit insurance only concerned ordinary citizens, not entrepreneurs. And - the citizens of the Russian Federation. The innovations of the law allow legal entities and small entrepreneurs to protect their own deposits.

In clause 4, a detailed definition of "depositor" appeared where it is clear what they can become:

• citizen of the Russian Federation;
• foreign citizen;
• stateless (including individual entrepreneurs);
• legal entity (small entrepreneurs).

Thus, any of the above entities, including small entrepreneurs and persons who do not have any citizenship, have the right to have an insurance contribution.

What funds cannot be insured:

• bank accounts opened by lawyers, also notaries, other persons, they were opened for the implementation by a citizen professional activity(work accounts);
• deposits, the replenishment of which is certified by special certificates of deposit;
• accounts transferred to banks for trust management;
• if deposits are with branches outside the Russian Federation (many banks have branches in different countries);
• are electronic money;
• placed on special nominal type accounts (except for wards' savings, also collateral accounts, escrow);
• being part of subordinated deposits;
• the owners are legal entities (medium or large entrepreneurs), the money was initially allocated for further investment in their enterprises.

The Small Business Deposit Insurance Law now includes the need for banks to post up-to-date information on their official websites. So that customers can timely find out all the news related to deposits.

Conditions for obtaining insurance compensation for a small business

According to the law, adopted earlier insurance system will include, in addition to the deposits of ordinary citizens, the accounts of individual small businesses. You can insure ruble, as well as foreign currency accounts owned by individual entrepreneurs or small organizations.

The conditions of deposit insurance for such depositors are the same - the representative of the company must be in a special register, which includes a list of all registered microorganizations. Time is important - the company should be on this list on the day of the conclusion of the drawn up insurance agreement. Subsequently, he will retain the right to receive the due compensation even in case of exclusion from the single register.

It is not difficult to search for a company if the name or TIN is known.

If the required organization is not in the register, you can send a special application to the operator:

Before insuring deposits, small entrepreneurs should register or make sure that the name of their organization is on the register. Then the insurance procedure will be possible.

What deposits are insured, sum insured

According to Federal Law 322, you can insure:

• personal deposits placed by an individual or small entrepreneur for their own or work needs;
• branches of banks where there are deposits must be located inside Russia (not foreign);
• the size of the contribution is not important;
• ruble, currency accounts (dollars, euros);
• all capitalized interest is insured that is charged on the original deposit amount.

The sum insured for deposits of individuals is similar to the compensation for entrepreneurs and is equal to 1.4 million rubles.

Checking the financial status of the bank

List of participating banks common system insurance is pretty big. Here are some of them:

• Sberbank;
• VTB Bank;
• Rosselkhozbank;
• Raiffeisenbank;
• Alfa Bank;
• Tinkoff;
• Taganrogbank;
• Yenisei Bank;
• Bank Absolute;
• Other.

If you need to find out data regarding your bank (financial status, location within the system, etc.), this can be done on the website of the Deposit Insurance Agency -

An important issue for every depositor today is the insurance of their deposit... Before investing money, you need to know what amount is subject to insurance, on what conditions, what cases are considered insured, etc. In order not to buy into cheap promises, you need to trust your savings only to trusted banks.

It is also important to take into account that all deposits opened since 2003 with Russian banks are in mandatory insured by the deposit insurance system (CER). A list of banks participating in this system can be found on the official website.

Dear Readers! The article talks about typical solutions legal issues but each case is different. If you want to know how solve exactly your problem- contact a consultant:

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In case, the sum insured on deposits is paid by a special Fund, which assumes the responsibility for formalizing debt obligations on deposits and subsequent work with a bankrupt. As a result, the money is returned to the depositors in full.

The essence of guarantees

The modern deposit insurance system is an integral part of financial insurance... This is a type of guarantee due to monetary and currency changes.

Such insurance is directly related to lending. It was introduced in order to increase the confidence in banks on the part of the depositor. Such insurance makes it possible to protect his interests in the event of insured events.

Depositors' money is the basis of circulating bank funds... While lending is the backbone of banks' profits, deposits are just as important to their operations.

It is depositors who enable banks to carry out large-scale lending. Therefore, banks are primarily interested in attracting funds from investors, but for this they need to have an excellent reputation.

Today, depositary insurance is the optimal guarantee system. It is used to protect the financial interests of depositors. It guarantees the compensation of the deposit after the recognition of the insured event.

The principle of insurance is that banks pay contributions to a special Fund for depositors, and in case of default, it makes payments to depositors.

Personal deposit insurance today required condition for the bank to obtain a license

The main questions

The depositor is entitled to a refund on the deposit from the moment one of the insured events occurs.

Payment cases

Insurance incidents subject to reimbursement on deposits include the following circumstances:

• the bank's license to conduct activities was revoked;
• the CBR moratorium on meeting the requirements of the bank's clients.

From 14.05.2015 G. Gref made a proposal to amend the legislation in order to limit multiple payments insurance compensation on deposits.

The following methods of restrictions have been proposed:

• the insurance indemnity is paid one-time;
• sum of all compensation payments the depositor in the entire history of his cooperation with banks is limited RUB 3,000,000;
• pay out the insurance indemnity Once every 5 years.

But such innovations contradict the Constitution of the Russian Federation, since they limit the rights of citizens in terms of investment.

Mandatory share

The DIA regulates the insurance process on the part of banks. The amount of the deposit to be compulsory insurance, is not prescribed by law. When choosing it, proceed from the restrictions established by insurance payments. The law only provides for the types of deposits that can be insured.

Since December 2019, the government had to increase the amount of deposit insurance due to the depreciation of the ruble. Prior to that, the maximum amount of the deposit subject to insurance was 700 rbl... And for today - 1,4 000 000 .

In this range, insurance payments in the event of a statutory incident. If the depositor even has several deposits in the same bank, the compensation will not exceed 1,400,000 rubles.

Order

With the question of how to receive compensation for deposits, a citizen has the right to contact the DIA or the agent bank (if appointed) from the moment the insurance incident occurs and until the end of the bankruptcy procedure. If the CBR introduces a moratorium on payments to creditors - until the day of its completion.

The procedure for obtaining compensation involves the following actions:

• filling out the application form (for the amount up to 700,000 rubles. in the event of an insurance incident before December 29, 2014, otherwise - for an amount not exceeding RUB 1,400,000);
• filling out a claim for the same amount;
• provision of an identity document, by which an account was opened in the bank (you can provide them personally, or you can send them by mail).

Payment of compensation for deposits (in accordance with the register bank liabilities in front of clients) produces the DIA within three days from the moment the depositor submits the required package of documents, but only after 14 days after the occurrence of the insurance incident.

The Agency notifies depositors about the time, place, procedure and form of receiving applications from the Agency through publication in the Bank of Russia Bulletin and in the printed edition at the location of the bank.

After the depositor has submitted to the Agency Required documents, he receives an extract from the register of the bank's obligations to investors, where the amount of compensation is indicated.

Reception of applications from depositors and payment of compensations can be made by the DIA through agent banks (on its behalf and at its expense).

Instructions on insurance amounts for deposits

• Everyone is insured today bank deposits... In the event of an insurance incident, they must be compensated within 700,000 rubles... The insurance applies not only to the insured amount, but also to the interest on the deposit.
• DIA is engaged in deposit insurance without the participation of the depositor.
• Before placing a deposit with a bank, it is important to clarify whether it has a valid license from the Central Bank of the Russian Federation and whether it is a CER participant. Today many structures offer high stakes on deposits, posing as bank.
• Deposits in different branches are considered deposits of the same bank. Refunded within RUB 700,000... In the event of termination of the license of several banks where the depositor has deposited money, the DIA will reimburse losses within RUB 700,000... in proportion to the size of deposits.
• If the license is revoked from the bank, you need to wait for the Agency to select the agent bank, he will be entrusted with the payment of compensation, then submit an application there with a claim for compensation. It can be sent to the DIA by mail. If the amount of payments exceeds RUB 1000, you will need to notarize your signature.
• All money of an individual staying in accounts both within the framework of demand deposits and urgent deposits is reimbursed under the insurance. Depositors can return own funds on current accounts used for budget payments (salaries, pensions, scholarships). According to the new legislation, from 01.01. In 2019, the opportunity to return their deposits also appeared for individual entrepreneurs, with the exception of notaries and lawyers.
• Funds are issued in cash or transferred to the specified account. Payments are made within 1-1.5 years old before the completion of the insolvency procedure. The excitement is observed, as a rule, in the first months.

The deposit insurance system does not apply to:

• savings certificates;
• money given to trust management bank;
• funds on metal accounts (non-identified);
• electronic money;
• deposits placed in foreign branches of Russian banks.

Important! In case of placing a deposit over 700,000 RUB, it is better to invest it in different banks - there are more guarantees to receive compensation.

Fixed sizes

The law provides for the following restrictions on insurance compensation:

• if the amount does not exceed 1.4 million rubles, paid 100% from the deposit;
• when a depositor has several deposits in one bank, compensate the amount proportional to the size of each (no more 1.4 million rubles);
• money on escrow accounts (for real estate transactions) is compensated in the amount of 100% of the amount that was on the account at the time of the occurrence of the insured event (if it does not exceed RUB 10,000,000). Refunds are paid separately for these accounts.

When the depositor has deposits in different banks, each individual is subject to compensation.

Currency deposits are converted upon compensation at the rate of the Central Bank of Russia. Interest on deposits is not compensated, except for deposits with capitalization, for which the amount of compensation in excess of payment is added (capitalized interest). They are counted until the entry into force of the corresponding decision of the DIA.

Today people have regained confidence in banks and prefer to keep their savings here. Firstly, a financial institution is a reliable storehouse for savings. Secondly, a deposit account generates income for its owner. And finally, the last reason to take your money to the bank for safekeeping is government insurance, that is, the organization Deposit Insurance Agency is guaranteed to reimburse the holders of deposit accounts in case of liquidation of the company.

But as you know, there is a limit to everything, and not all depositors probably know how much is insured by the state for deposits, according to data on this year... After all, the funds due to the bankruptcy of banks are reimbursed not by him, but by the state, even before the liquidation of the enterprise. Next, consider what is this system, the amount of payments, the principle of insurance and the banks participating in the system.

About the insurance system

From the history of the Soviet Union, many of our compatriots remember that banks are not a reliable way to store funds, for the reason that during a crisis or default, you can be left without savings. To restore banking system and attract depositors' money to financial institutions, government at the beginning of the 21st century, a deposit insurance system was developed.

Deposit insurance agency is state structure, the function of which is to ensure the safety of funds invested by individuals, and guaranteed compensation for damage in the event of an insured event from its own fund.

Speaking in simple words, the task of the deposit insurance agency is to return money in an amount equal to that which is stored on deposit account to an individual, if the bank goes bankrupt, has lost its license, or the Central Bank has imposed a moratorium on him. But there is one caveat, the maximum amount of payment is limited by law.

Features of the insurance procedure

Bank clients may be interested in how to insure their savings, because the bank does not offer to conclude additional contracts or agreements. Indeed, the bank is obliged to insure absolutely all deposits of individuals that are stored in its accounts, that is, by signing an agreement to open a deposit account, the depositor already becomes an insured person.

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The depositor is not charged for insurance, but the bank pays 0.1% of the total amount of deposits to the DIA every three months.

The next question, relevant for the depositor, is what the insured amount of the deposit is payable in the event of an insured event. In fact, the deposit is reimbursed in full, that is, 100%, and the amount that was recorded in the deposit account at the time of the insured event is taken into account. The only limitation is the total amount of deposits within one bank should not exceed 1 million 400 thousand rubles. And a year earlier, it was only 700 thousand rubles.

So, the maximum amount of the deposit insured by the state in 2016 1 million 400 thousand rubles.

Absolutely all funds of individuals stored in bank accounts in monetary currency... These include term deposits and on demand, money stored in debit salary cards... But this list does not include metal accounts, accounts of legal entities opened before 01.01.2014, and cash managed by the organization.

Who participates in the deposit insurance system

Before bringing funds to the bank, every potential client will probably take an interest in which banks the deposits are insured by the state. In fact, in all those who have a license from the Central Bank and provide this service... Or, in simple words, banks cannot in unilaterally refuse to participate in the state insurance system.

But before choosing a bank, you should still check whether the financial institution is registered in the DIA register. To do this, it is enough to find an official website on the Internet and use a convenient search system. It also describes in detail how to receive compensation in the event of an insured event and other useful information.

Please note that the maximum payment amount in the event of an insured event is indicated as of 2016; it may change a year later.

So, those who are interested in the question of how much bank deposits are insured can be sure that the state will reimburse 100%, but no more maximum amount... By the way, the duration of the insurance is unlimited by law, that is, throughout the entire period while the deposit account is open.