Do you want to know how you can get a deposit registered with Sberbank in 1991? In this article, we will tell you in detail how you can get compensation from the state, and who can claim it.
Today, many of our fellow citizens still have savings books that were opened in the former USSR. Large sums of money were stored on them, which were several times devalued (a denomination occurred), and then payments could not be received at all due to the confusion in the country that arose during the collapse of the Soviet Union.
In December 2009, the Government of the Russian Federation published Decree No. 1092 entitled "On the Procedure for Implementing Compensation Payments to Citizens of the Russian Federation for Deposits in the Savings Bank of the Russian Federation in 2010-2016." In other words, depositors were able to get their savings back, provided that the deposit was made before June 20, 1991 in the Savings Bank, this is the only condition.
Eligibility for compensation granted exclusively to Russian citizens, as well as their heirs, who must also have Russian citizenship. There is a certain procedure on the basis of which the amount of the payment is calculated:
- If the depositor is born before 1925 inclusive, the compensation will be calculated threefold based on the amount of the deposit balance as of 20.06.91;
- If the client's year of birth is from 1946 to 1991, the payment is made in double the amount of the balance.
If preliminary compensation has been received, then threefold is reduced by its amount.
There are special ratios to determine the amount that will be paid to you., which are defined as follows:
In the event that the owner of deposits in the period from 2000 to 2016 died, then his heirs or persons who pay for ritual services will be able to receive compensation for paying for these services. It is calculated as follows:
- If the amount of the deceased owner's contribution was 400 rubles or more, then 6,000 rubles will be paid;
- If it is less than this amount, then the account balance is multiplied by a factor of 15.
Please note that this money can be received regardless of whether the owner of the savings bank previously received it for payment or not, but you cannot receive it again, only once. If the depositor had savings in several branches, then it is possible to receive funds only in one of them.
So how should you act in that case if you want to get money from Sberbank? Follow these steps:
- Open the passbook, there should be a seal on the first page indicating the branch where the deposit was opened, or this information should be written separately;
- Contact this branch personally, or if you have moved to another region - to the Sberbank office closest to you;
- Take your documents with you: a passport of a citizen of the Russian Federation, a savings book. If you are an heir, then a document confirming your right to inheritance (you can get it from a notary), as well as the depositor's death certificate will also be added to this list;
- Next, write an application for receiving funds in the banking department.
If you are the heir, but you do not have a savings book in your hands, then you need to contact a notary who will make a request to the bank to search for the account of your deceased relative. If you still have questions regarding the receipt of money on a deposit for 1991, you can ask them by calling the Sberbank Contact Center at 8-800-555-55-50.
Compensation for Sberbank deposits before 1991 is provided today. Who can apply for funds, where to apply, what documents are required to make payments? Everything in detail in this material.
Cash compensation for Sberbank deposits: return procedure
In 1995, legislation was passed allowing citizens to receive compensation for deposits made before the collapse of the USSR in 1991. Sberbank of Russia was appointed the authorized financial structure for debt collection. A corresponding item of expenditure is planned in the state budget for 2017. The institution will consider applications from the population for another two years - until 2019. Every year, funds in the amount of 5,500 thousand rubles are allocated for these purposes. The latest amendments to the law on payments were made in 2009 on the basis of the order of the Government of Russia No. 1092.
For all questions, you can ask a question by calling the support service of Sberbank of the Russian Federation or through the online application form.
Who will receive compensation for Soviet deposits: grounds
The categories of citizens who have the right to receive deposits with compensation are prescribed every year in the normative act on the formation of the budget for the next year. In 2017, these include persons who placed deposits with Sberbank of the USSR:
- Born in 1945 inclusive;
- having account balances;
- the period for placing funds until 20.06.1991.
The amount is provided three times, the face value of monetary units is taken into account. What matters is the term for placing funds on the account minus the amounts and commissions provided for their storage and the provision of banking services. Citizens born from 1945 to 1991 who are eligible as heirs to contributions receive double the compensation.
Investors who have died from the beginning of 2001 to the present day are provided with compensation in the form of payment for ritual services at the expense of deposits placed in the Savings Bank of the USSR. The maximum amount is 6,000 rubles.
Heirs can receive any compensation for the contributions of testators born before 1991. Payments are made minus the previously provided funds, including to cover the costs of organizing the funeral. Refunds are not made to those account holders with the Sberbank of the USSR who closed their deposits from June 20 to the end of 1991, as well as those who received compensation earlier.
According to the law of 19.12.2006, at the expense of funds transferred for safekeeping to a state bank before the collapse of the USSR, it is possible to reimburse the cost of funeral services in the amount of 6,000 rubles if the balance on the account is at least 400 rubles. If the amount was left less, then the heirs or other persons organizing the funeral are provided with compensation in the amount of the balance on the deposit, increased 15 times in terms of Russian currency.
Can not claim payments to depositors and their heirs without Russian citizenship, as well as persons who are nationals of a foreign state or do not belong to any country. If a citizen lives in a foreign country, but he still has Russian citizenship, he can apply to Sberbank of Russia for receiving payments. The heirs provide in the original a certificate from a notary on the receipt of property from the deceased person. Repeated payments are not provided... That is, if the depositors applied for receipt once and they were compensated, the bank is not authorized to provide funds again.
How to get compensation for deposits of Sberbank of the USSR
It is not necessary to contact the branch that opened the account, since their network has undergone significant changes in recent decades. In Russia today there are 17 territorial divisions of the bank. The branch network includes about 19,000 offices. A small commission is charged for transferring the amount, which is convenient for recipients.
To receive money, you need to submit an application to any office of Sberbank of Russia and provide a savings book in the original, and if the depositor has already died - confirmation of the fact of death, on which a mark is put on the issue of money. If the contribution was received by will, it is required to provide a notarized document.
When contacting the representative's institution, it is necessary to provide a power of attorney certified by the medical institution where the depositor is under the supervision of the notary or the organization where the owner of the deposit works or studies. If the savings book was previously lost, then you need to write an application for its restoration. Information is saved in the database of the Sberbank of the Russian Federation and on accounts.
Compensation for a closed deposit is provided only upon presentation of a power of attorney signed in the presence of a notary. If the account has been closed, an application is filled out on a special form, which can be found on the website of Sberbank of Russia or asked at the branch of a credit institution. After completing all the procedures, the original documents are returned to the owner, heir or authorized representative.
Payments to citizens of the former republics that are part of the former USSR are not provided.
If, when providing a complete set of documents, a refusal from Sberbank of Russia follows, it can be appealed in court by filing a statement of claim. The order of the state authority that has entered into force is presented directly to the bank for making payments or to the bailiff service for enforced collection. The operation of issuing funds is confirmed as in the case of a normal receipt of money by an employee of Sberbank of Russia on an expense cash order with a note on the provision of compensation for a frozen deposit. If a depositor or his heir has a current, retirement, salary or other account with Sberbank of Russia, the funds can be credited to it upon written application.
Consideration of an application lasts no more than 30 days. Copies are made from all provided documents, certified by the bank's employees, the originals are returned personally to the depositor or representative by power of attorney. After approval, the funds are credited to an account with a credit institution, and the recipient is notified of this. Subsequent actions for the disposal of money are not controlled: they can be spent to pay for utilities, communications, withdraw in cash, transfer to a card or another account, etc.
Sberbank Online customers have access to an electronic application form in their personal account. However, when contacting the bank to receive payment, the documents will need to be signed with their own hand or by a power of attorney certified by a notary.
Payments on old Sberbank deposits are calculated according to the following rules:
- Investors born before 1945 receive three-fold compensation. The term of its placement is taken into account using the coefficients:
- open as of the current moment - indicator 1 is applied;
- closed in the period from 1996 to 2017 - 1;
- to terminated contracts in 1995 - 0.9, during 1994 - 0.8, in the period 1993 - 0.7 and 1992 - 0.6.
- Those who have previously received a refund cannot apply for their receipt again on the basis of clause 6 of the Government Decree No. 1092 of 12/25/2009.
- For the calculation, the formula is applied: (O ν × K k × 3) - R k, when O ν means the balance of the deposit as of June 20, 1991, K k Is the applied coefficient, and R k- funds received by the depositor or his heir towards the deposit account, 3 - three times the size.
You can get the exact cost of compensation using the electronic calculator of Sberbank on the page.
Calculations in practice
Example # 1
The deposit was placed by a person born in 1951. The agreement with the bank has not been terminated at the moment. The balance of funds on the account is RUB 4,800. In 2012, compensation was provided in 3 times the amount. In 2015, a citizen applied to a Sberbank branch to receive a payment. On the basis of clause 6 of the Decree of the Government of the Russian Federation No. 1092, he was denied the issuance of funds due to repeated appeal.
Example No. 2
First, the amount of the received compensation for the depositors is calculated. To do this, you can use an electronic calculator on the website of Sberbank of Russia.
So, if the balance on the account as of 20.06.1991 amounts to 3800 rubles. with a closing date in 1992 when the depositor was born in 1964, an earlier payment of 200 rubles was made. The deposit is entitled to 2-fold compensation, since the depositor was born in 1964, that is, in the period from 1945 to 1991. An amount of 3,800 rubles was left on the savings account. The estimated factor is 0.6 since the contract was terminated in 1992. The total payment will be 4,380 rubles. based on the following calculation:
((3800 rubles * 0.6) * 2) - 200 rubles. = 4 380 rubles.
Accordingly, 200 rubles. - previously provided payment on the deposit.
Example No. 3
The deposit was placed on the account by a citizen born in 1931. The balance of funds amounted to 8,200 rubles. In 2015, the heirs applied for money. It is impossible to receive money under this agreement, since the account was closed until 12/31/1991.
Sberbank's compensation payments for Soviet deposits are reflected in the cash outflow order. The signature of the recipient must be affixed to the payment document. The expenditure of funds is also reflected in the savings book. Before signing, you must check all the information, if the recipient has a question about the amount, then it is better to postpone the procedure and request a recalculation.
The Russian government has submitted a draft law from the Ministry of Finance to increase the balance of payments by 4 times. The document also indicates plans to close payments on deposits in the Sberbank of the former USSR until 2012. The act was approved by the Ministry of Justice and the Ministry of Internal Affairs, but the Ministry of Economic Development and Trade has not yet approved it, so it is subject to subsequent revision and approval.
Conclusion
As you can see, the procedure for receiving money against deposits in the Sberbank of the former USSR is quite simple. The main points are spelled out in a single normative act, the conditions for issuing and calculating are transparent. The sums of payments are not high, a two- and three-fold coefficient does not compensate for the expenses of that time, but the state returns funds in a simplified manner, especially since such an item of expenditure is included in the budget for each year. That is, the probability of refusal due to lack of funds is zero. It is important that not only depositors, but also their heirs can receive money when providing documents confirming the presence of the balance of funds on the frozen deposit and the right to make a payment.
Most of the recipients of the money are dissatisfied with the current legislation and the small amounts of payments. Reforms are planned in this area. On the one hand, the Ministry of Finance announces plans to establish fourfold compensation, on the other hand, it announces the termination of payments until 2021. It is rather difficult to predict what the subsequent changes will be. It probably depends on the distribution of state budget funds and the economic situation in the country.
In this material:
As the news shows, the latest government amendments determine not only the categories of citizens of the former USSR who are entitled to compensation for deposits before 1991, but also their volume. They will be able to receive money:
- Clients of the Security Council of the Russian Federation born in the USSR before 1945. A three-fold refund of the balance of the deposit as of June 20, 1991 is offered. The calculation of the level of compensation payments is made from the face value of the then banknotes. The level of payments also depends on the duration of the savings account. The amount of money returned can be reduced if the former client of Sberbank has already received a certain amount;
- Those savings account holders who closed their deposits in the period from June 20 to the end of 1991 will not be able to receive the double and triple the amount;
- The two-fold refund is offered to the bank's clients from 1956 to 1991 years of birth. The amount of money returned is calculated from the balance on the deposit.
If the owner of the savings deposit, who is entitled to a refund, died in the period from 2001 to 2015, then the heir can receive the refund if he has the appropriate documents. Individuals who have paid for funeral services at their own expense can also receive money (no more than the cost of funeral services).
Where can you get money for 1991 deposits and what documents are required?
Payments are made in any branch of the Sberbank of the Russian Federation. Funds are issued only in case of a request from a former depositor.
Required documents:
Heirs or persons who paid for funeral services must provide:
- Passbook (if available);
- Identity document;
- Completed application for compensation payment;
- Certificate of death of the owner of the deposit;
- Notarial decree confirming the right of inheritance (for a person who paid for funeral services for his own money);
- Documentary confirmation of inheritance rights (for the heirs of the former investor of the Security Council of Russia).
At the request of the client, compensation funds can be transferred to another bank deposit or issued in cash. The money can also be issued to a confidant of a former client of the bank. You will need to provide a passbook (if any), a passport and a notarized power of attorney.
Calculation of possible compensation for depositors of Sberbank of the USSR
Here, the amount of compensation payments directly depends on the year of birth of the former depositor, as well as the time when the deposit was closed. The amount of payments is determined as follows: the balance of the deposit is increased by two coefficients, after which it is reduced by the amount previously paid. One indicator is equal to "2" (depositors with dates of birth from 1946 to 1991), the second coefficient is "3", for bank clients born before 1946.
Indicators for calculating the amount of funds returned to clients of Sberbank of the USSR:
| Calculation indicator | Closing year | The duration of the deposit specified in the agreement |
| 0,6 | 1992 year | 1992 year |
| 0,7 | 1993 year | 1992 year |
| 0,8 | 1994 year | 1992 -1993 years |
| 0,9 | 1995 year | 1992 - 1994 |
| 1,0 | 1996 to 2012 (or until 2015) | 1992 to 2012 (or until 2015) |
A calculator for an accurate calculation of the due refund, as well as news of future settlements can be seen on the official web resource of Sberbank of the Russian Federation.
1991 Deposit Compensation: Calculation Examples
First example
The bank's client was born in 1954. His deposit was closed at the Sberbank of the USSR in 1993. At the time of closing the account, the balance was seven thousand and three hundred rubles. I have not received any payments before.
In this case, the payment will be doubled. The expiration date is 0.7. Therefore, 7,300 x 0.7 x 2 = 10,220.00 rubles.
Second calculation example
Sberbank's client was born in 1939. His savings account was closed in the fall of 1991. At the moment of closing, the balance was eight thousand two hundred rubles. Previously, I did not receive any payments.
The savings account holder will not be able to receive the money because his deposit was closed before the end of 1991. He is not subject to the law.
Will the heirs of the depositors receive the money and how much?
Resolution No. 1092 provides for the possibility of compensation payments to the heirs of former savings account holders. The heirs can receive money in two cases:
- Direct compensation for the deposit;
- In the event of the death of a former contributor to the USSR Security Council.
It should be noted that in the event of the death of the owner of the savings account, the money will be issued regardless of whether the money has already been received earlier. As for the funds to pay off the cost of funeral services, they will be issued even for those deposits that were closed in the period from June to the end of 1991.
If the deceased client of the bank had several deposit accounts opened in one branch, then they are summed up. But if the deceased had accounts opened in different branches of the bank, then compensation payments will be made only in one branch.
Received compensation? Now is the time to find a suitable deposit with high interest rates. To do this, use the form below.
In 2018, the process of making payments to citizens of the Russian Federation who opened a deposit in Sberbank in the era of the USSR was restored. The contracts of 1991 are next in line this year. How exactly you can get a payment, what documents you need to have with you, as well as exactly how much Sberbank is ready to pay is described in this article.
Compensation for 1991 deposits in 2018-2019 - when will they give?
There are clear rules for refunds. If the candidate fully complies with the requirements and meets them himself, then the funds will be returned. In the absence of a corresponding application, no one will provide the amount due to you.
Here are the payments to be made in 2018:
- If the deposit was opened before June 20, 1991. The fact is that all agreements concluded for opening a deposit before this date are recognized as public debt on the basis of.
- State insurance contracts concluded with Rosgosstrakh before January 1, 1992.
- For the obligations of the USSR Treasury.
- Savings certificates.
Not everyone is eligible for money. Here are the citizens who will be able to receive compensation:
- The citizens of the Russian Federation themselves, who opened the deposit.
- The heirs of the depositor, if they were born before the collapse of the USSR.
- Other persons who independently paid for the funeral services at the burial of the depositor.
Who is entitled to compensation for a deposit in 2018 - 2020?
What deposits are not paid
According to the current legislation, the state has undertaken the obligation to pay not all deposits. Refusal will be given:
- If the depositor died, and the heirs were born after the collapse of the USSR.
- If the agreement was concluded after the collapse of the USSR.
- If the contract was terminated by the end of 1991.
- If documents have already been submitted and the application for payment has been satisfied.
- When applying for heirs who do not have Russian citizenship.
Can heirs receive compensation
Heirs can exercise their right to receive compensation payments only if the following claims are satisfied:
- If you have Russian citizenship.
- If the depositor has Russian citizenship at the time of his death.
- If the heirs were born in the USSR.
- Legal inheritance.
Important! Money can be paid not only to the next of kin, but also to heirs of the second and third order. In their absence, persons who were engaged in burial with their own money have the right to compensation.
Calculation of the amount of compensation for the deposit
It is possible to independently calculate the amount of compensation payment, taking into account the age of the applicant, his status and a number of other points that affect the coefficient. Based on this, one should decide on the advisability of collecting a complete package of documents. It is important to consider not only the size of the deposit, but also:
- The age of the recipient.
- Recipient status.
- The amount of previous compensation, if several contributions were made.
The procedure and features of compensation are described in the Federal Law No. 362. Additional changes relevant for 2018-2019 are indicated in the Government Decree No. 1092, which was extended on the basis of another Decree No. 1435.
Based on the table below, you can make your own calculation.
| Percentage of payment from the deposit | Deposit closing year | Contract time |
|---|---|---|
| 100% | 1996-2018 | 1992-2018 |
| 90% | 1995 | 1992-1994 |
| 80% | 1994 | 1992-1993 |
| 70% | 1993 | 1991-1992 |
| 60% | 1992 | Before 1991 |
The Sberbank website also has a special calculator that helps to make the calculation online. It takes into account the balance of the deposit, the ratio and the amount of payments made earlier.
Features of payments on savings books of the USSR
According to Federal Law No. 238 and Federal Law No. 362, to carry out the calculation, it is required to revalue banknotes and equate the Soviet ruble with the Russian one. Then you can understand how much you can get. However, there are some categories of citizens who receive a substantial premium.
Since the compensation program has a social focus, the unprotected or least protected category of Russians is entitled to increased compensation.
By simple calculations, if there are 3,000 rubles on the account, citizens born in 1945 and earlier can receive 9 thousand rubles, when younger citizens only 6 thousand rubles, despite the same balance.
On the possibility of obtaining compensation for burial on Soviet deposits
Federal Law No. 238 allows you to receive payment not only to heirs, but also to citizens of the Russian Federation who have borne the costs of burial without being relatives of the depositor. However, they need to keep all receipts and receipts to confirm that they were the ones who dealt with the burial.
Important! Even for previously closed deposits, you can get monetary compensation. But the deadline for closing such deposits must be between June 20 and December 31, 1991. At the same time, Sberbank will refuse to provide compensation if the depositor was paid money during his lifetime. The amount directly depends on the amount of savings.
V ФЗ No. 415 it is indicated that Sberbank guarantees the implementation of a fifteen-fold increase in the amount of the deposit if it contains less than 400 rubles. That is, with the remainder of 350 Soviet rubles, you can get 5250 Russian rubles.
If the depositor at the time of death had several agreements in force in various branches of the bank, then the state undertakes to return the money only under one of the agreements. Which one will be paid is up to the heirs.
Targeted contribution for children of 1991
In the era of the USSR, there was a tendency when parents, at the birth of a child, opened a deposit in his name. Upon reaching the age of majority, the child himself could dispose of his own funds, which had accumulated over 18 years, enough to buy a car or an apartment. But in connection with the collapse of the USSR, many such deposits have depreciated, and now they are being paid out through Sberbank branches.
Important! According to the terms of the agreement, savings must be in the account for at least 10 years. Then the bearer had the right to receive increased interest. If the contract specifies a period of less than 10 years, then the bank will refuse to provide money under state guarantees.
Today, these and other products should not be counted on to receive interest from the bank, but it is possible to return your own. The amount of compensation depends on the age of the recipient, that is, persons born in the period 1945-1991 will receive double the amount. At birth after the collapse of the USSR, it is not possible to receive money even for the heirs.
The money can be received by:
- Contributors directly.
- The heirs of the depositor who meet the current requirements.
- Burial persons.
It is worth understanding what the balance of the deposit is made of, so that you can calculate the potential payment.
What does the balance of the deposit consist of?
It is necessary to understand that Sberbank employees can settle deposits that have already been indexed. According to the Decree of the President of the USSR of 03/22/1991, all deposits of citizens of the USSR as of 03/01/1991 increased by 40% at the expense of state funds.
There are three options for accounting when making a payment:
- A note was made in the savings book that the amount of the balance was increasing based on the decision of the President of the country, in connection with which the depositors could withdraw this premium without losing interest after July 1, 1991. At the same time, the minimum balance should have been more than 200 rubles.
- The revaluation amount was credited to a special account, and it was only possible to dispose of the money after three years.
- Indexation was not carried out for products that were opened after March 1, 1991, so money can only be received on the basis of the balance indicated in the passbook.
On the basis of the Decree, all persons who made their deposits before the specified date could receive an additional 40% to their savings at the expense of money allocated from the USSR budget.
The procedure for making payments in 2018-2019
To receive budgetary funds for obligations on the basis of ФЗ №73, necessary:
- Check on your own the grounds for receiving funds from USSR deposits.
- Check with the bank's specialists what kind of paper you need to provide and whether you have the right to make a payment. At this stage, you can also clarify the amount in order to understand how necessary it is to perform the actions indicated below.
- If a citizen does not know exactly where the deposit was opened or this branch was closed, it is necessary to send a request to Sberbank. Having raised the archival contracts, the applicant will receive an answer indicating the place where he will need to come to process the payment.
- Write an application at the service office and present the required documents.
- Get money in cash.
Important! If the branch in which the agreement was concluded is far from the recipient, then you can contact the nearest service office. There, to the full package of documents, you will need to provide an application for transferring funds to another branch. Considering that Sberbank is a decentralized organization, even intra-bank transfers are paid. That is, the recipient must pay 1% of the transfer amount.
If the depositor participated in the state insurance program during the USSR period, then it is required to contact Rosgosstrakh to receive payments there.
Calculator for calculating the amount of compensation
Compensation paid on deposits of citizens of the Russian Federation opened with Sberbank before 06/20/1991 and in effect as of 06/20/1991.
Compensation not paid:
For deposits opened on 20.06.1991 and later;
- on deposits closed in the period from June 20, 1991 to December 31, 1991;
- on deposits for which compensation was previously paid in full.
- Who is compensated in 2019?
In 2019, compensation payments on deposits in effect as of 06/20/1991 are made:
Depositors-citizens of the Russian Federation, born in 1991 inclusive;
- heirs-citizens of the Russian Federation, born in 1991 inclusively on deposits of depositors who are citizens of the Russian Federation;
- to heirs or individuals who made payment for funeral services, in the event of the death in 2001-2019 of a depositor, a citizen of the Russian Federation.
- What funds are used to make compensation payments for deposits in effect on 20.06.1991?
Funds for payments of compensations for deposits in effect on 20.06.1991 are allocated from the federal budget of the Russian Federation.
- In 2010, I received compensation for deposits. Can I get compensation in 2019?
No you can not.
In accordance with clause 6 of the Decree of the Government of the Russian Federation No. 1092 of December 25, 2009, in case of receiving compensation for deposits earlier, repeated payments are not made.
- Is it possible to receive compensation in 2019 for a targeted deposit for children opened at Sberbank in the 1980s and 1990s? Who is compensated for the earmarked deposit for children? What documents must be presented to receive compensation?
Compensation for a targeted deposit for children opened at Sberbank can be obtained if the deposit complies with the general conditions of the procedure for making compensation payments on deposits in 2019:
The deposit was open until 20.06.1991,
- the contribution was valid as of 20.06.1991,
- the deposit was not closed during the period from 20.06.1991 to 31.12.1991.
For targeted deposits for children, compensation is paid to citizens of the Russian Federation born in 1991. inclusive in the generally established order:
For active deposits - the depositor,
- for closed deposits - to the person who closed the deposit.
In order to receive compensation for a targeted children's deposit, the depositor / person who closed the deposit must present:
Compensation payments to depositors
- What compensation is paid to DEPOSITORS in 2019? What is the amount of this compensation?
For depositors who are citizens of the Russian Federation:
- 1946 - 1991 years of birth
- What documents must be presented to the DEPOSITOR in order to receive compensation?
A depositor who is a citizen of the Russian Federation in order to receive a 2-fold or 3-fold compensation must be presented:
Identity document;
- a savings book (if the deposit is valid).
The depositor must complete an application for compensation.
- A CONSUMER cannot personally apply for compensation. What is the procedure for paying compensation in this case?
If a depositor who is a citizen of the Russian Federation cannot personally apply to the bank, then compensation may be paid to the depositor's authorized representative.
In order to receive 2-fold or 3-fold compensation, the authorized representative of the DEPOSITOR must present:
Identity document;
- power of attorney with the right to receive compensation;
Drawn up for this deposit in the structural unit of Sberbank;
- certified in accordance with Art. 185.1 of the Civil Code of the Russian Federation notarized (equated to notarized).
For a closed deposit, compensation is issued on the basis of a power of attorney certified by a notary (equated to a notarized one).
The trustee draws up an appropriate application for compensation.
- How to get compensation if the deposit is closed and the DEPOSITOR cannot present a passbook?
To consider the issue of calculating compensation for a deposit closed in 1992-2019, the depositor must contact the structural unit of the bank at the place where the deposit is stored (or the structural unit of the bank to which he wants to transfer the amount of compensation) and draw up a corresponding application for compensation.
For deposits closed in the period from June 20, 1991 to December 31, 1991, the payment of compensation in 2-fold and 3-fold the amount of the balance of deposits is not carried out.
- How to get compensation if the savings book on the current deposit is lost?
The depositor must contact the structural unit of the bank at the place of opening the deposit, fill out an application for the loss of the savings book and an application for compensation.
- The depositor lives outside the Russian Federation, but has a deposit that was in effect for 20 June 1991. Can he get compensation?
For a depositor residing outside the Russian Federation, but who is a citizen of the Russian Federation, compensation is paid in accordance with the established procedure.
A depositor who lives outside the Russian Federation, but who is a foreign citizen or stateless person, is not compensated.
- The formula for calculating compensation in 3 times the amount of the balance of deposits for DEPOSITORS up to 1945 inclusive.
Compensation in the 3-fold amount of the balance of deposits is paid to depositors who are citizens of the Russian Federation up to 1945 year of birth inclusive.
The amount of 3-fold compensation is calculated based on the balance of the deposit as of 20.06.1991 and the period of its storage, using the following coefficients:
For deposits closed in the period from June 20, 1991 to December 31, 1991, compensation in 3 times the amount of the balance of deposits is not paid.
The amount of 3-fold compensation is reduced by the amount of previously received compensation payments.
The amount of 3-fold compensation is determined by the formula:
(O ν × K k × 3) - R k
3 - number three.
- The formula for calculating compensation in the 2-fold amount of the balance of deposits for INVESTORS 1946-1991. birth.
Compensation in the 2-fold amount of the balance of deposits is paid to depositors who are citizens of the Russian Federation born in 1946 - 1991.
The amount of 2-fold compensation is calculated based on the balance of the deposit as of 20.06.1991 and the period of its storage, using the following coefficients:
1 - for currently valid deposits;
1 - for deposits closed in 1996 - 2019;
0.9 - for deposits closed in 1995;
0.8 - for deposits closed in 1994;
0.7 - for deposits closed in 1993;
0.6 - for deposits closed in 1992.
For deposits closed in the period from June 20, 1991 to December 31, 1991, the payment of compensation in the 2-fold amount of the balance of deposits is not carried out.
The amount of 2-fold compensation is reduced by the amount of compensation payments previously received.
The amount of 2-fold compensation is determined by the formula:
(O ν × K k × 2) - R k
O ν - the remainder of the deposit as of 20.06.1991,
K k - compensation coefficient,
R k - the sum of previously received compensation,
2 - number two.
- What amount of compensation will the DEPOSTER receive up to 1945 year of birth inclusive, if in 2010 he received compensation in 3 times the amount? Current deposit (there is a passbook). The balance of the deposit as of 20.06.1991 - 2000 rubles.
In accordance with clause 6 of the Decree of the Government of the Russian Federation No. 1092 of 25.12.2009, in case of receiving compensation for deposits earlier, repeated payments are not made.
- What amount of compensation will the DEPOSTER receive up to 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? Current deposit (there is a passbook). The depositor had not previously received compensation.
Since the depositor has not previously applied for compensation, the amount of 3-fold compensation to be paid to the depositor will amount to 6,000 rubles.
- What amount of compensation will the DEPOSTER receive up to 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in November 1991 (no passbook).
- What amount of compensation will the DEPOSTER receive up to 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1992 (no savings book). The depositor has not previously received compensation.
Depositors who are citizens of the Russian Federation up to and including 1945 have the right to receive compensation in 2019 in 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation to be paid to the depositor will amount to 3600 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.6 * 3 = 3600 rubles.
- What amount of compensation will the DEPOSTER receive up to 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1993 (no savings book). The depositor had not previously received compensation.
Depositors who are citizens of the Russian Federation up to and including 1945 have the right to receive compensation in 2019 in 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation to be paid to the depositor will amount to 4200 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.7 * 3 = 4200 rubles.
- What amount of compensation will the DEPOSTER receive up to 1945 year of birth inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1994 (there is no passbook). The depositor had not previously received compensation.
Since the depositor has not previously received compensation, the amount of 3-fold compensation to be paid to the depositor will amount to 4,800 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.8 * 3 = 4800 rubles.
- What amount of compensation will the DEPOSTER receive up to 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1995 (there is no passbook). The depositor had not previously received compensation.
Depositors who are citizens of the Russian Federation up to and including 1945 are entitled to receive compensation in 2019 in 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation to be paid to the depositor will amount to 5400 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.9 * 3 = 5400 rubles.
- What amount of compensation will the DEPOSTER receive up to 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1996-2019. (no passbook). The depositor had not previously received compensation.
Depositors who are citizens of the Russian Federation up to and including 1945 are entitled to receive compensation in 2019 in 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation to be paid to the depositor will amount to 6,000 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 1 * 3 = 6000 rubles.
- What amount of compensation will the DEPOSTER 1946-1991 receive? birth, if the balance of the deposit as of 20.06.1991 is 800 rubles? Current deposit (there is a passbook). The depositor had not previously received compensation.
Depositors-citizens of the Russian Federation 1946-1991 births are entitled to receive compensation in 2019 in 2 times the balance of the deposit as of June 20, 1991.
The compensation coefficient for the current deposit is 1.
- What amount of compensation will the DEPOSTER 1946-1991 receive? birth, if the balance of the deposit as of 20.06.1991 is 800 rubles? The deposit was closed in December 1991 (no passbook).
In accordance with the Decree of the Government of the Russian Federation No. 1092 of December 25, 2009 on deposits closed in the period from June 20, 1991 to December 31, 1991, compensation is not paid.
- What amount of compensation will the DEPOSTER 1946-1991 receive? birth, if the balance of the deposit as of 20.06.1991 is 800 rubles? The deposit was closed in 1992 (no savings book). The depositor had not previously received compensation.
The compensation coefficient for a deposit closed in 1992 is 0.6.
Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will amount to 960 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.6 * 2 = 960 rubles.
- What amount of compensation will the DEPOSTER 1946-1991 receive? birth, if the balance of the deposit as of 20.06.1991 is 800 rubles? The deposit was closed in 1993 (no savings book). The depositor had not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are eligible to receive compensation in 2019 in 2 times the balance of the deposit as of June 20, 1991.
The compensation coefficient for a deposit closed in 1993 is 0.7.
Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will be 1120 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.7 * 2 = 1120 rubles.
- What amount of compensation will the DEPOSTER 1946-1991 receive? birth, if the balance of the deposit as of 20.06.1991 is 800 rubles? The deposit was closed in 1994 (there is no passbook). The depositor had not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are eligible to receive compensation in 2019 in 2 times the balance of the deposit as of June 20, 1991.
The compensation coefficient for the deposit closed in 1994 is 0.8.
Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will amount to 1280 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.8 * 2 = 1280 rubles.
- What amount of compensation will the DEPOSTER 1946-1991 receive? birth, if the balance of the deposit as of 20.06.1991 is 800 rubles? The deposit was closed in 1995 (there is no passbook). The depositor had not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are eligible to receive compensation in 2019 in 2 times the balance of the deposit as of June 20, 1991.
The compensation coefficient for a deposit closed in 1995 is 0.9.
Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will amount to 1,440 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.9 * 2 = 1440 rubles.
- What amount of compensation will the DEPOSTER 1946-1991 receive? birth, if the balance of the deposit as of 20.06.1991 is 800 rubles? The deposit was closed in 1996-2019. (no passbook). The depositor had not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are eligible to receive compensation in 2019 in 2 times the balance of the deposit as of June 20, 1991.
The compensation coefficient for a deposit closed in 1996-2019 is equal to 1.
Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will be 1600 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 1 * 2 = 1600 rubles.
Compensation payments to the heirs of a deceased depositor
- What compensation is paid in 2019 to the HERITORS of a deceased depositor? What is the amount of this compensation?
In 2019, compensation payments are made to the heirs of a deceased depositor, provided that the depositor on the day of death was a citizen of the Russian Federation.
Heirs-citizens of the Russian Federation:
- to 1945 year of birth inclusive compensation is paid in 3 times the balance of deposits as of 20.06.1991 (based on the face value of banknotes in 1991);
- 1946 - 1991 years of birth compensation is paid in 2 times the balance of deposits as of 20.06.1991 (based on the face value of banknotes in 1991).
The amounts of these compensations depend on the storage period of deposits and are reduced by the amount of previously received preliminary compensation (compensation) and additional compensation.
For deposits closed in the period from June 20, 1991 to December 31, 1991, the payment of compensation in 2-fold and 3-fold the amount of the balance of deposits is not carried out.
If a depositor who is a citizen of the Russian Federation died in 2001–2019, then his heirs or individuals who paid for the funeral services are paid compensation for the payment of funeral services.
The amount of compensation for payment of funeral services depends on the balance of deposits as of 20.06.1991 and cannot exceed 6,000 rubles.
- How is compensation calculated in 2-fold and 3-fold amount of the balance of deposits for payment to the HEROR?
In 2019, the heirs of a deceased depositor are compensated in 2 or 3 times the balance of deposits, provided that the depositor on the day of death was a citizen of the Russian Federation and the heir is a citizen of the Russian Federation.
The amount of 2-fold or 3-fold compensation to be paid to the heir on the deposit of the deceased depositor depends on:
Year of birth of the HEIRER;
- the storage period of the deposit (the deposit is closed or active);
- the hereditary share of the heir;
- amounts of compensation paid earlier.
To determine the amount of compensation due to the heir on the deposit of the deceased depositor, it is necessary to contact the structural unit at the place of deposit storage.
- The contribution is NOT bequeathed. What documents must be presented to the heir of a deceased depositor in order to receive compensation for this deposit?
Identity document;
- a document confirming inheritance law;
- A testamentary disposition was drawn up at the bank for the deposit. What documents must be presented to the heir of a deceased depositor in order to receive compensation for this deposit?
If the testamentary disposition on the deposit is drawn up in the bank before March 01, 2002 * - compensation is paid to heirs who are citizens of the Russian Federation upon presentation of:
If the testamentary disposition on the deposit is drawn up in the bank on March 01, 2002 or later * - compensation payment to heirs who are citizens of the Russian Federation is made upon presentation of:
Identity document;
- the depositor's death certificate;
- savings book (if the deposit is valid);
- a document confirming that the depositor at the date of death was a citizen of the Russian Federation (if necessary).
The heir prepares an application for compensation.
* in connection with the entry into force of the third part of the Civil Code of the Russian Federation (Federal Law No. 147-FZ of November 26, 2001 "On the entry into force of the third part of the Civil Code of the Russian Federation")
- The contribution is bequeathed by a notary. What documents must be presented to the heir of a deceased depositor in order to receive compensation?
In order to receive compensation for the deceased depositor's contribution, the heir who is a citizen of the Russian Federation must present:
Identity document;
- certificate of the right to inheritance by will;
- the depositor's death certificate;
- a savings book (if the deposit is valid).
The heir prepares an application for compensation.
- The heir cannot personally apply for compensation for the deceased depositor's contribution. In what order is compensation paid in this case?
If the heir, a citizen of the Russian Federation, cannot personally apply to the bank, then compensation may be paid to the heir's proxy.
The trustee of the heir in order to receive compensation must present:
Identity document;
- power of attorney from the heir with the right to receive compensation;
- a document confirming the inheritance right of the heir to the contribution of the deceased investor;
- a document confirming that the depositor at the date of death was a citizen of the Russian Federation (if necessary);
- a document confirming that the heir is a citizen of the Russian Federation (if necessary);
- the depositor's death certificate;
- a savings book in the name of the depositor (for a current deposit).
For a current deposit, compensation is issued on the basis of a power of attorney:
- executed on this deposit in the structural unit of Sberbank;
- certified in accordance with Article 185.1 of the Civil Code of the Russian Federation:
Notarized;
The administration of the inpatient medical institution in which the heir is being treated;
The organization in which the heir works or studies.
For a closed deposit, compensation is issued on the basis of a power of attorney certified by a notary.
The heir's trustee draws up an application for compensation.
- What amount of compensation will the heir to born in 1945 receive? Contributor born in 1975 citizen of the Russian Federation. The depositor died in 2019. Deposit with the balance as of 20.06.1991 - 1500 rubles. Current deposit (there is a passbook). The heir is entitled to the entire contribution (one heir). The depositor did not receive compensation during his lifetime.
Heirs who are citizens of the Russian Federation up to and including 1945 in 2019 are entitled to compensation in 3 times the amount of the balance of the deposit as of June 20, 1991, regardless of the year of birth of the deceased depositor.
The compensation coefficient for the current deposit is 1.
Since the compensation for the deposit was not paid earlier and the entire contribution is due to the heir, the amount of compensation due to the payment to the heir will be 4,500 rubles.
The amount of compensation for this deposit is calculated as follows: 1500 rubles. * 1 * 3 = 4500 rubles.
- What amount of compensation will the heir 1946-1991 receive? birth? Contributor born in 1940 citizen of the Russian Federation. The depositor died in 2019. Deposit with the balance as of 20.06.1991 - 900 rubles. Current deposit (there is a passbook). The heir is entitled to the entire contribution (one heir). The depositor did not receive compensation during his lifetime.
Heirs-citizens of the Russian Federation 1946-1991 births in 2019 are entitled to compensation in 2 times the balance of the deposit as of June 20, 1991, regardless of the year of birth of the deceased depositor.
The compensation coefficient for the current deposit is 1.
Since the compensation for the deposit was not paid earlier and the entire contribution is due to the heir, the amount of compensation due to the payment to the heir will be 1,800 rubles.
The amount of compensation for this deposit is calculated as follows: 900 rubles. * 1 * 2 = 1800 rubles.
- How can you confirm the citizenship of a deceased person in order to receive compensation for the deposit?
The following documents may be accepted as documents confirming the citizenship of the testator:
Certificate of the housing maintenance organization on the registration of a citizen at his place of residence;
- certificate from the place of work of the deceased about his place of residence;
- an extract from the house book;
- other references.
These certificates are accepted only if they indicate citizenship and / or a document proving the identity of the testator (passport of a citizen of the Russian Federation, an insert to the passport of the USSR, indicating the presence of citizenship of the Russian Federation).
If it is necessary to establish the citizenship of the Russian Federation of the depositor, individuals (heirs of the depositors) can apply on this issue to the passport and visa service at the depositor's last place of residence on the territory of the Russian Federation.
- The heir has dual citizenship (one of them is Russian). Is it possible to pay compensation to this heir?
Yes, compensation is payable upon presentation:
A document confirming the citizenship of the Russian Federation;
- a document confirming inheritance law;
- the depositor's death certificate;
- savings book (if the deposit is valid);
- a document confirming that the depositor at the date of death was a citizen of the Russian Federation (if necessary).
The heir must draw up an appropriate application.
- Can grandchildren receive compensation for the deposit if the depositor-grandmother and her heirs have died? What documents are needed?
Yes, upon presentation:
Identity document;
- a document confirming the inheritance right to the grandmother's deposits;
- the death certificate of the grandmother;
- savings book (if the deposit is valid);
- a document confirming that the grandmother at the date of death was a citizen of the Russian Federation (if necessary).
It is necessary to issue an appropriate application.
- Mom opened a deposit in Sberbank until 06/20/1991, after her death, dad inherited. He also died, his daughter has not yet entered the inheritance. Can the daughter receive compensation for the mother's contribution?
The daughter will be able to receive compensation after entering into the inheritance, since compensation for deposits is paid to the heirs only upon presentation of documents confirming inheritance rights. In this case, the amount of compensation will be reduced by the amount of compensation paid to mom and dad during their lifetime.
Compensation for payment of RITUAL services in case of death of a depositor in 2001-2019
- Who can receive compensation for payment of RITUAL services in the event of the death of a depositor in 2001-2019?
Compensation for payment of funeral services in the event of the death of a depositor-citizen of the Russian Federation in 2001-2019 is paid:
The depositor's heirs;
- either to individuals who have paid for funeral services (before the expiration of 6 months from the date of opening the inheritance).
The depositor's heir or an individual may be citizens of the Russian Federation or foreign citizens or stateless persons.
- What documents must be presented to the heir of a depositor who died in 2001-2019 in order to receive compensation for the payment of funeral services in 2001-2019?
In order to receive compensation for the payment of funeral services on the deposit of a depositor who died in 2001-2019, the heir must present:
Identity document;
- the depositor's death certificate;
- a document confirming inheritance law (if necessary);
- savings book (if the deposit is valid);
- a document confirming that the depositor at the date of death was a citizen of the Russian Federation (if necessary).
The heir prepares an application for compensation.
- Can an individual who is not an heir receive compensation for payment of RITUAL services?
Compensation for payment of funeral services in the event of the death of a depositor-citizen of the Russian Federation in 2001-2019 can be paid to individuals who have paid for funeral services, on the basis of a notary's order (before the expiration of 6 months from the date of opening the inheritance), as well as upon presentation of a passport and death certificates of the owner of the deposits.
- To which department of the bank, in order to receive compensation for the payment of RITUAL SERVICES, should an individual who has a notary's resolution on reimbursement of expenses for payment of funeral services apply?
In the event of the death of a depositor in 2001-2019, an individual who is not an heir, but who made payment for funeral services, can apply for compensation for payment of funeral services to any internal structural unit of the bank. region at the place of storage of the deceased depositor's deposits and present an identity document, a notary's order and a death certificate of the owner of the deposit.
A corresponding application for compensation is drawn up.
- Can the heir of a depositor who died in 2001-2019 receive an additional compensation payment for the payment of funeral services?
An additional payment of compensation for payment of funeral services in the event of the death of a depositor - a citizen of the Russian Federation who died in 2001-2019, can be made to the depositor's heir who received part of the compensation for payment of funeral services, if they present documents confirming his inheritance right to the unpaid part of compensation to pay for funeral services.
The heirs who have received compensation for payment of funeral services in the amount due to them (depending on the balance of deposits as of 20.06.1991) will not be re-paid this compensation.
An additional payment of compensation for payment of funeral services on the deposit of a depositor who died in 2001-2019 can be made upon presentation of:
Identity document of the heir;
- the depositor's death certificate;
- savings book (if the deposit is valid);
- the heir - the surviving spouse who applied for compensation for the payment of funeral services, - a certificate of ownership for ½ of the contribution;
- the heir who presented a certificate of inheritance for ½ of the contribution, - a certificate of ownership of the second part of the contribution, or the presented certificate of inheritance / certificate of ownership must contain information about the heirs for the second part of the contribution.
The heir must file a corresponding application with the Bank.
- How is the amount of compensation calculated for payment of RITUAL services?
Compensation for payment of funeral services is paid to heirs or individuals who have paid for funeral services in the event of the death of the depositor in 2001-2019:
In the amount of 6 thousand rubles, if the amount of the deceased owner's deposits specified in the application for payment of compensation is equal to or exceeds 400 rubles. (based on the face value of banknotes in 1991);
In an amount equal to the amount of the deceased owner's deposits specified in the application, multiplied by a factor of 15, if the amount of deposits is less than 400 rubles. (based on the face value of banknotes in 1991).
The depositor died in 2019.The balance of deposits as of 20.06.1991 is 1000 rubles. There is only one heir. The heir will be paid 6,000 rubles to pay for ritual services.
The depositor died in 2019.The balance of deposits as of 20.06.1991 is 300 rubles. There is only one heir. To pay for funeral services, the heir will be paid 4500 rubles. (300 rubles x 15 = 4500 rubles)
Other questions
- Contribution in another city. How do I get compensation? On the basis of what documents is the transfer of compensation carried out? Is the transfer of the compensation amount to another structural unit of the bank a paid service?
In this case, the depositor (heir) must contact any structural unit of Sberbank and draw up a corresponding application for transfer (form 143), providing the documents necessary to receive compensation (including a savings book, if any).
When transferring the amount of compensation accrued on the current deposit, a fee is charged in the amount determined by the Bank's tariffs for making money transfers.
When transferring compensation for a closed deposit, no commission is charged for this operation.
- Why is compensation paid only for savings made before June 20, 1991?
On July 13, 1990, by a resolution of the Supreme Council of the RSFSR "On the State Bank of the RSFSR and Banks on the Territory of the Republic", the Russian Republican Bank of the Savings Bank of the USSR was transformed into Sberbank of the RSFSR and declared the property of the RSFSR.
On June 20, 1991, the Bank of Russia registered the charter of Sberbank of Russia as a joint-stock commercial bank.
In accordance with the Federal Law "On the Restoration and Protection of Savings of Citizens of the Russian Federation" No. 73-FZ dated 05/10/1995, deposits opened with the Savings Bank of Russia before 06/20/1991 are recognized as state domestic debt.
Therefore, they are subject to compensation from the federal budget of the Russian Federation.
- Why is it not paid 2-fold and 3-fold compensation for deposits closed in the period from 20.06.1991 to 31.12.1991 in 2019?
Decree of the Government of the Russian Federation of December 25, 2009 No. 1092 approved the Rules for the implementation in 2010-2019 of compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation.
According to the said Rules, in 2019 for deposits closed in the period from June 20, 1991 to December 31, 1991, the payment of compensation in 2-fold and 3-fold the amount of the balance of deposits is not carried out.
- What compensation is paid for deposits closed in the period from June 20 to December 31, 1991?
For deposits closed in the period from June 20 to December 31, 1991, only compensation is paid for the payment of funeral services in the event of the death of the owner of the deposit in 2001-2019. heirs or individuals who have paid for funeral services. Compensation for the payment of funeral services is paid on the condition that the owner of the deposit on the day of death was a citizen of the Russian Federation.
- What compensation can foreign citizens receive?
In 2019, depositors - foreign citizens are not paid compensation.
Heirs - foreign citizens can receive compensation for the payment of funeral services for the deposits of depositors who died in 2001-2019. Provided that the depositor on the day of death was a citizen of the Russian Federation and previously no compensation for the payment of funeral services was paid.
Contributors or heirs up to 1991 year of birth inclusive, having dual citizenship (one of which is the citizenship of the Russian Federation), have the right to receive compensation in 2 or 3 times the balance of deposits in accordance with the generally established procedure upon presentation of documents confirming the citizenship of the Russian Federation.
- The deposit was opened in 1990 by a contributor (Ivanov) addressed to the contributor (Petrov). The depositor (Petrov) did not claim this deposit. Does the depositor (Ivanov) have the right to receive compensation?
If on a deposit in favor of a third party opened by the contributor before June 20, 1991, the contributor has not expressed in any way his intention to exercise his rights (that is, there is no depositor's signature sample; debit transactions were not performed (with the exception of an operation to pay compensation to the contributor) ; a will or power of attorney drawn up outside the GSP was not submitted; the funds came only from the depositor, the statement about the loss of the savings book was not drawn up), then, taking into account Article 842 of the Civil Code of the Russian Federation, compensation can be paid to the depositor, provided that it refers to category of citizens entitled to receive it.
- Is compensation paid for deposits opened before 06/20/1991 on the territory of the republics that were part of the former USSR?
The procedure for the payment of deposits, including compensation made on the territory of states that were previously part of the former USSR, is regulated by the legislative acts of the respective states.
For questions related to deposits opened outside the Russian Federation, you should contact the Bank-assignee of debt obligations located on the territory of the respective state. The list of banks and their addresses can be found on the bank's website in the section "Private clients" - "Deposits" - "Compensation for deposits" -.
- Since when is compensation for “burned out” savings made?
The first compensation was made in 1991 in accordance with Presidential Decree No. 1708 of 22.03.1991. All deposits valid as of March 1, 1991 were subject to compensation. The amount of compensation was 40% of the balance of the deposit as of 01.03.1991.
In accordance with Presidential Decree No. 327 of February 17, 1994, the next one-time compensation was made in 1994 in three times the balance of deposits as of January 1, 1992.
Starting from June 10, 1996, the state has been carrying out a phased compensation of deposits as of June 20, 1991. It can be found on the bank's website in the section "Individual clients" - "Deposits" - "Compensation for deposits" - "History of payment of compensation for deposits".
- It was announced the payment of double and triple compensation for deposits. Why was I paid less?
In accordance with Government Decree No. 1092 of December 25, 2009, the amount of compensation payable in 2019 is reduced by the amount of previously received compensation amounts.
- Is it obligatory to apply for compensation to the GSP at the place of opening a deposit?
To receive compensation for deposits, you can contact any structural unit of Sberbank PJSC that carries out transactions with deposits of individuals, and fill out a corresponding application.
- The depositor received compensation, but does not agree with the amount of compensation. What to do?
Use for depositors on the site (in the section "Individual clients" - "Deposits" - "Compensation for deposits") to calculate the amount of compensation.
On the bank's website www.site through the "Feedback", draw up an appeal about disagreement with the amount of accrued compensation. Get a unique case number.
You can also contact any structural unit of Sberbank with a passport and submit a written statement of disagreement with the amount of the accrued compensation. The depositor must be informed of the number of the registered appeal.
