Savings book 90 where to go. How to receive compensation for deposits from Sberbank of the USSR

Compensation for Sberbank deposits before 1991 is still provided today. Who can apply for funds, where to apply, what documents are required to make payments? Everything is detailed 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 as the authorized financial institution for debt collection. A corresponding expenditure item is planned in the state budget for 2017. The institution will consider applications from the population for another two years - until 2019. Annually, funds in the amount of 5,500 thousand rubles are allocated for these purposes. The latest changes to the law on payments were made in 2009 on the basis of Russian Government Order No. 1092.

For all questions, you can ask a question by calling the support service of Sberbank of the Russian Federation or using the online application form.

Who will receive compensation for Soviet contributions: grounds

Categories of citizens who have the right to receive deposits with compensation are prescribed every year in the regulatory act on the formation of the budget for the next year. In 2017, these included persons who placed deposits with Sberbank of the USSR:

  • Born in 1945 inclusive;
  • having account balances;
  • The period for placing funds is until June 20, 1991.

The amount is provided in three times the amount, the face value of monetary units is taken into account. What matters is the period of placement of funds in the account, minus the amounts and commissions provided for their storage and provision of banking services. Citizens born from 1945 to 1991, who have the right as heirs to deposits, receive double compensation.

Depositors who have died from the beginning of 2001 to the present are provided with compensation in the form of payment for funeral services from deposits placed in the USSR Savings Bank. The maximum amount is 6,000 rubles.

Heirs can receive any compensation for the contributions of testators born before 1991. Payments are made minus previously provided funds, including to cover expenses in connection with the organization of the funeral. Refunds are not provided to those account holders at 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 December 19, 2006, at the expense of funds deposited in 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 in 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 by 15 times in terms of Russian currency.

Can not Investors and their heirs without Russian citizenship, as well as persons who are nationals of a foreign state or who do not belong to any country, qualify for payments. If a citizen lives in a foreign country, but retains Russian citizenship, he can apply to Sberbank of Russia to receive payments. The heirs provide the original certificate from the notary about the receipt of property from the deceased person. Repeat payments are not provided. That is, if depositors applied for funds once and were provided with compensation, the bank is not authorized to provide funds again.

How to receive 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. Today there are 17 territorial divisions of the bank in Russia. 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 placed on the disbursement of money. If the contribution was received by will, you must provide a notarized document.

When contacting a representative institution, it is necessary to provide a power of attorney certified by the medical institution where the depositor is under supervision, a 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. The information is stored in the database of Sberbank of the Russian Federation and in 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 Sberbank of Russia website or asked at a branch of a credit institution. After all procedures are completed, the original documents are returned to the owner, heir or trustee.

Payments are not provided to citizens of former republics that were part of the former USSR.

If, upon provision of a complete set of documents, Sberbank of Russia refuses, you can appeal it in court by filing a statement of claim. An order from a government agency that has entered into force is presented directly to the bank for payments or to the bailiff service for forced collection. The operation for issuing funds is confirmed as with the usual receipt of money by an employee of Sberbank of Russia using an expense cash order with a note indicating the provision of compensation for a frozen deposit. If a depositor or his heir has a current, pension, salary or other account with Sberbank of Russia, then funds can be credited to it upon a written application.

Consideration of the application lasts no more than 30 days. All submitted documents are copied, certified by bank employees, and the originals are returned personally to the depositor or representative by proxy. After approval, the funds are credited to the account at the credit institution, and the recipient is notified. Subsequent actions to manage the money are not controlled: they can be spent on paying for utilities, communications, withdrawn in cash, transferred to a card or other account, etc.

Sberbank Online clients have access to an electronic form for filling out an application in their personal account. However, when contacting the bank to receive payment, you will need to sign the documents yourself or with a power of attorney certified by a notary.

Payments on old Sberbank deposits are calculated according to the following rules:

  1. Investors born before 1945 receive compensation 3 times. The period of its placement is taken into account using the following coefficients:
  • currently open – indicator 1 is used;
  • closed in the period from 1996 to 2017 – 1;
  • to terminated contracts in 1995 - 0.9, during 1994 - 0.8, during 1993 - 0.7 and 1992 - 0.6.
  1. Those who previously received a refund cannot apply to receive them again on the basis of clause 6 of Government Decree No. 1092 of December 25, 2009.
  2. The formula used for calculation is: (O ν × K k × 3) — R k, When O ν means the deposit balance as of June 20, 1991, K k is the applied coefficient, and Rk– funds received by the depositor or his heir on account of the deposit, 3 - three times the size.

You can get the exact cost of compensation using the Sberbank electronic calculator on the page.

Calculations in practice

Example No. 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 in the account is 4,800 rubles. In 2012, compensation was provided in a 3-fold amount. In 2015, a citizen contacted a Sberbank branch to receive a payment. Based on clause 6 of the Government of the Russian Federation Resolution No. 1092, he was denied funds due to his repeated application.

Example No. 2

First, the amount of compensation received for investors is calculated. To do this, you can use the electronic calculator on the Sberbank of Russia website.

So, with the account balance as of June 20, 1991, the amount is 3800 rubles. with a closing date of 1992 and the investor’s year of birth being 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 in the savings book. The required coefficient is 0.6 since the contract was terminated in 1992. The final payment will be 4,380 rubles. based on the following calculation:

((3800 rub. * 0.6) *2) – 200 rub. = 4,380 rub.

Accordingly, 200 rubles. – previously provided payment on the deposit.

Example No. 3

The deposit was placed in the account by a citizen born in 1931. The balance of funds was 8,200 rubles. In 2015, the heirs applied for money. It is impossible to receive money under this agreement, since the account was closed before December 31, 1991.

Compensation payments from Sberbank for Soviet deposits are reflected in the cash receipt order. The recipient's signature must be affixed to the payment document. The expenditure of funds is also reflected in the savings book. Before signing, you need to check all the information; if the recipient has a question about the amount, 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 payment balances by 4 times. The document also indicates plans to close payments on deposits in 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 has not yet approved it, so it is subject to further revision and approval.

Conclusion

As you can see, the procedure for receiving money on account of deposits in Sberbank of the former USSR is quite simple. The main points are spelled out in a single regulatory act, the terms of issue and payment are transparent. The payment amounts are low, the two- and three-fold coefficient does not compensate for the expenses of that time, but the state returns the 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 investors, but also their heirs can receive money by providing documents confirming the presence of a balance on the frozen deposit and the right to make a payment.

Most recipients of money express dissatisfaction with the current legislation and small amounts of payments. Reform is expected in this area. On the one hand, the Ministry of Finance announces plans to establish quadruple compensation, on the other hand, it announces the cessation of payments until 2021. It is quite difficult to predict what subsequent changes will be. This probably depends on the distribution of state budget funds and the economic situation in the country.

Sberbank OJSC pays its depositors compensation for old deposits opened during the Soviet era. Old deposits are popularly called “burnt out”. Contrary to beliefs that it is impossible to return this money, there is a way not only to get your deposit back, but also to receive compensation. Let's find out who can claim a refund and how compensation for savings books is processed.

Who is entitled to compensation for savings books?

If the depositor closed the deposit between June 20 and December 31, 1991, compensation will not be issued as if the owner of the passbook received his money on time.

The owner of any savings book opened during the collapse of the USSR is entitled to receive compensation, but the amount of compensation will not be the same - it depends on the category of the depositor:

  • depositors whose year of birth is less than 1945 have the right to receive compensation in the amount of 3 times the balance of money as of June 20, 1991;
  • depositors born between 1945 and 1991 can receive a compensation amount equal to 2 times the balance on the book as of June 20, 1991;
  • heirs of investors born before 1991;
  • heirs and third parties who took upon themselves the costs of burial of the depositor from 2001 and later.

It is also worth paying attention to the year the deposit was closed - depending on the time of closing, various reducing factors will apply:

  • 1, if the deposit was closed between 1996 and 2010;
  • 0.9 if closure occurred in 1995;
  • 0.8 if the deposit was closed in 1994;
  • 0.7 if the deposit was closed in 1993;
  • 0.6 if the depositor closed the deposit in 1992.

How is compensation calculated for savings books: calculation formula

To know in advance how much compensation you can expect, you can use the following calculation formula:

RKS = SV x GSR x KGZ,

where RKS is the amount of compensation according to the Savings Book;

SV – deposit amount;

GSR is a coefficient that depends on the year of birth of the investor;

KGZ is a coefficient that depends on the year the deposit was closed.

Examples of calculating compensation for a savings book

Let's look at several examples of calculating compensation for deposits, since the procedure for calculating the amounts will depend on the year of birth of the depositor and the year the deposit was closed.

Example 1

The Sberbank depositor was born in 1956, he opened a deposit in Sberbank and has not closed it until now. The balance of funds is 5 thousand rubles.

Compensation amount = 5,000 rubles x 2 x 1.0 = 10,000 rubles.

Example 2

The depositor was born in 1968 and closed his deposit in 1995. The investor had 1.5 thousand rubles left in his savings book.

Compensation amount = 1,500 rubles x 2 x 0.9 = 2,700 rubles.

Example 3

The depositor's year of birth is 1939. The deposit balance is 4,700 rubles. The deposit was not closed. Previously, preliminary compensation in the amount of 170 rubles was issued.

Compensation amount = 4,700 rubles x 3 x 1.0 – 170 rubles = 13,930 rubles.

How is compensation processed for savings books?

Regardless of where the bank deposit was once opened, you can contact any branch of Sberbank. The bank employee will need to show your ID and passbook.

It happens that the book was lost - in such a situation, you can also claim compensation if the depositor is absolutely sure that on June 20, 1991 he had savings. You will need to write a statement and ask to conduct a data search. The database must contain information about the applicant, and then a bank branch specialist will calculate the compensation due and offer to pay it in cash or transfer it back to the savings book.

What documents are needed in order to receive compensation for savings books?

The list of documents for processing compensation will depend on who is applying for the money. In the event that the investor himself applies for compensation for losses, he will need a set of documents that includes the following papers:

Document Where to get it
Application for payment of compensation under a savings book The form and sample will be presented at the Sberbank branch
Russian passport GUVM MIA
A savings book with a current deposit, opened earlier than June 20, 1991 OJSC Sberbank (if it is not available, you can request a search for information in the database)
Marriage certificate (if the investor changed personal data after marriage) Civil registry offices
Certificate of change of name (if the investor voluntarily changed personal data) Civil registry offices

If the investor’s heir applies for compensation, more documents will be needed:

Document Where to get it
Application for compensation for a deposit in Sberbank The form and sample will be issued at the bank branch
Russian passport GUVM MIA
Certificate of change of name or marriage certificate (if a name change took place) Civil registry offices
Document evidencing inheritance rights Notary
Death certificate of a Sberbank depositor Civil registry offices
USSR passport insert, extract from house register As evidence that the investor was a Russian citizen at the time of death

In the event that a Sberbank depositor previously applied to a Sberbank branch on March 1, 2002 in order to leave a testamentary disposition in favor of an heir, he may not provide a document on the right to receive an inheritance.

Sberbank answers the most common questions regarding the provision of compensation for savings books on its official website. Here you can also find the compensation application form.

Common mistakes

Error: A Sberbank depositor, who opened a deposit in a savings book during the collapse of the USSR, demands compensation for three savings books issued in his name.

The 90s of the last century brought many troubles, but one of the main ones was the collapse of the banking system and the loss of deposits by the population.

Now the Government of the country is conducting a program to return funds to those citizens who had deposits in savings banks of the Soviet Union. Sberbank of Russia became the legal successor of the savings banks, and it is he who makes the payments.

For what deposits can I receive compensation?

Cash compensation can be received for deposits that were opened before June 20, 1991 and were not closed before this date. For other deposits, including those closed in December 1991, payments are not made.

Who is entitled to compensation:

  1. depositors born before 1991;
  2. heirs of investors born before 1991;
  3. heirs or other persons who paid for the funeral of the investor in the period from 2001 to the present.

Persons who are not citizens of Russia, as well as the heirs of these persons, do not have the right to compensation.

If the deposit was placed in the territory of one of the republics of the former USSR, you need to contact the bank that became the successor to Sberbank of the USSR in this country.

List of required documents to obtain

If you are the investor yourself, then prepare the following documents:

  1. general civil passport of the Russian Federation;
  2. if there was a change in personal data (name, surname, etc.), documents confirming this are required;
  3. savings book opened before June 20, 1991, with a valid deposit;
  4. a completed application for compensation (you can fill it out right on the spot or download the form on the official website of Sberbank, print it out and fill it out in advance).

If you are the heir of the investor, then prepare the following documents:

  1. general civil passport of the Russian Federation;
  2. if you changed your personal data (name, surname, etc.), you need documents confirming this;
  3. documents confirming your rights to the investor's inheritance;
  4. evidence that the investor at the time of death was a citizen of the Russian Federation (extract from the house register, insert from a Soviet-style passport);
  5. an application of the established form, filled out at a Sberbank branch or in advance.

Note:

  • If your passbook is lost, then first you need to recover it. To do this, contact any branch of Sberbank, information about all depositors of the USSR savings banks is stored there.
  • If before 03/01/2002 the investor left a testamentary disposition in your favor at a Sberbank branch, then documents on the right to inheritance are not required to be submitted

To receive funds, the depositor (the depositor's heirs) needs to write an application at a Sberbank branch in any city in Russia, attaching the required documents. Also, any person can apply to Sberbank with a notarized power of attorney from the depositor or under a power of attorney left by him at a Sberbank branch.

Formula for calculating compensation for USSR savings books

Depositors born before 1945 (the heirs of these investors) will receive an amount equal to the amount of the balance of their deposit as of June 20, 1991, multiplied by 3, taking into account the coefficient.

Depositors born between 1946 and 1991 (or the heirs of these investors) will receive an amount equal to the amount of their deposit balance on June 20, 1991, multiplied by 2, taking into account the coefficient.

Also, the amount of compensation will be reduced by the amounts of preliminary and additional compensation, if they were previously received by the investor.

The following coefficients apply:

For example:

  1. The investor was born in 1942. The deposit amount remaining in the savings book is 1000 rubles. The deposit was closed in 1994. Amount to be received = 1000*3*0.8=2400 rub.
  2. The investor was born in 1939. The deposit amount remaining in the savings book is 400 rubles. The deposit was not closed. In 1999, a preliminary compensation amount of 100 rubles was received. Amount to be received = 400*3*1.0−100=1100 rub.
  3. The investor was born in 1968. The deposit amount remaining in the savings book is 500 rubles. The deposit was closed in 1995. Amount to be received = 500*2*0.9=900 rub.
  4. The investor was born in 1956. The deposit amount remaining in the savings book is 2000 rubles. The deposit was not closed. Amount to be received = 2000*2*1.0=4000 rub.

How to receive compensation for funeral expenses from Sberbank?

Compensation from the deceased's passbook can be paid to his relatives. If the depositor died after 2001, then persons who paid for funeral services (in part or in full) can also receive compensation for their expenses, but not exceeding 6,000 rubles. In this case, the citizenship of the recipients does not matter.

What documents are needed for this:

  • general civil passport of the Russian Federation;
  • documents confirming expenses (notarial decree);
  • death certificate of the investor;
  • passbook (if you have one).

To receive compensation for funeral services, you must contact a Sberbank branch only in the same region in which the deposit is located.

How much can you get?

  • If the remaining deposit amount is less than 400 rubles, then the amount received will be equal to the deposit balance multiplied by 15. For example, if the deposit amount is 300 rubles, then the compensation amount will be 300*15=4500 rubles.
  • If the remaining deposit amount is more than 400 rubles, then the compensation amount will be 6,000 rubles.

Note! If compensation for the deposit was paid in double (triple) amount, additional and preliminary compensation was paid, compensation for funeral services, then it will be impossible to receive a second payment. That is, if, for example, you received money, and a year later a resolution is issued on the payment of compensation to investors tenfold, you will not be able to receive it again in whole or in part.

So, to receive compensation you need:

  1. collect a package of documents: passport, passbook;
  2. heirs will additionally need a death certificate of the investor and confirmation of rights to inheritance;
  3. To receive compensation for funeral services, a notarial decree is required;
  4. contact Sberbank with an application and collected documents.

Sberbank compensates its depositors for old deposits from the USSR era. Deposits to which the “burnt” label is stuck. They say that after the collapse of the Soviet Union, this money disappeared irrevocably. You can return them. and even with compensation. We publish detailed step-by-step instructions.

Who is entitled to compensation?

Every savings book from the collapse of the USSR is subject to compensation. But the compensation ratio varies for different groups of investors.

Citizens born before 1945 receive compensation in the amount of three times the balance of funds as of June 20, 1991.

Those born between 1945 and 1991 receive double compensation for the balance of funds on the same date.

Even if the deposit was closed after 1991, the investor is still entitled to compensation. That is, the investor will be returned the money that he has already spent a long time ago. and even with interest.

But depending on the year in which the deposit was closed, reducing factors apply. Like these ones:

0.6 - if the deposit was closed in 1992;

0.7 - the deposit was closed in 1993;

0.8 - the deposit was closed in 1994;

0.9 - the deposit was closed in 1995;

1 - the deposit was closed in 1996-2010.

Please note that if the deposit was closed between June 20 and December 31, 1991, then no compensation is due. They say that you received your money on time and spent it safely, so don’t wait any longer.

Sberbank compensates only one savings book per depositor. If there were several invoices, then any one is subject to compensation. Choose the one with more money and receive compensation for it. It is still unknown when the turn for the remaining savings books will come.

How to receive the money.

Compensation can be received at any Sberbank branch. It doesn’t matter where you opened it. All you need to do is provide your passport and savings book. If you don’t have a savings book, but you are sure that on June 20, 1991 you had some amount in your account, then you need to write an application to search for data. A Sberbank employee will tell you how to write an application correctly. When the bank checks your data, it will calculate the amount of compensation. This money can be received either in cash or again in a savings book.

Compensation of the contribution by inheritance.

More documents will be required here

Firstly, your passport and the testator’s savings book (if you don’t have it, then fill out an application to search for data),

Secondly, a certificate of inheritance.

And thirdly, it is necessary to confirm the Russian citizenship of the testator. Formally speaking, our country has not yet learned how to certify the citizenship of the dead. So ask the bank staff what they mean.

Compensation by proxy.

If the depositor cannot independently come to the bank for compensation, then a relative can receive compensation. The owner of the deposit must write a power of attorney to receive money. The power of attorney must be certified by a notary.

Attention! A notarized power of attorney is needed if the deposit is still valid, that is, it has not been closed (no money has been withdrawn).

If the deposit was closed after June 21, 1991, then the identification document can be certified by a housing organization (housing association, housing department, etc.). If they don’t provide such a document, you will still have to contact a notary.

example of independent (preliminary) calculation of the amount of compensation

Maria Ivanovna Sidorova. Born in 1961. In 1991, I had 5,000 rubles in my savings book. She withdrew the money and spent it in 1993. How much compensation will she receive in 2012?

Born after 1945, which means the compensation coefficient is two

Withdrew money in 1993. We find the reduction factor from the plate above 0.7

Now we multiply 5000*2*0.7=7000 rubles.

If the money were still untouched in the savings book, then the reduction factor would be equal to 1, and Maria Ivanovna would receive 10,000 rubles

Today, they still continue to pay compensation for deposits that were made during the Soviet period in Sberbank. To do this, you must meet a number of requirements and apply with the relevant documents to one of the branches of Sberbank of the Russian Federation. How are payments to affected depositors made this year?

Payment procedure

If you are entitled to compensation for deposits, there is no need to contact the same branch where the account was once opened. This is due to the fact that today not all branches that were at the old addresses of the former USSR have survived. And many investors also changed their place of residence.

Submit the necessary documents to any structural division of Sberbank. It is important to contact the branch where the money will be transferred. This is done specifically for the convenience of investors and their legal representatives.

You can contact 17 regional banks, each of which has several branches. This financial network consists of 19,000 branches located throughout the country. In some cases, a small fee is charged for transferring payment amounts from one branch to another.

When contacting the bank, you must fill out a standard application to receive compensation. To do this, you must present not only a passport, but also a savings book from the USSR Savings Bank. If it is not there, an application for reinstatement is written.

Heirs must submit additional documents. Their content is determined by the specific situation.

The list may include the following documents:

  • testamentary disposition
  • notarial certificate of the right to inheritance (if there was no will),
  • certificate of will.

Note! If you are a user of the Sberbank OnL@yn remote service, the application can be filled out in your personal account electronically. But documents must be submitted in person only with a handwritten signature.

Who is entitled to

Refunds of deposits are subject to the condition that the account was opened before June 20, 1991 and was valid on that date.

The following clients are entitled to receive compensation::

  • for investors born before 1991,
  • heirs born before 1991,
  • persons who paid for funeral services in the event of the death of the investor in the period from 2001 to 2018.

Note! In the latter case, compensation in the amount of 6,000 rubles is paid.

The amount of the refund is determined by the client’s age and the validity period of his deposit:

  1. Those born before 1945 inclusive are entitled to three times the amount of the deposit balance.
  2. Those born between 1946 and 1991 are entitled to compensation equal to twice the balance.

If a partial refund was received in advance, the double or triple refund will be reduced by this amount.

Note! For accounts that were closed between June 20 and December 31, 1991, double and triple compensation is not paid.

There are certain coefficients that depend on the period of storage of deposits. They influence the size of the final payment. To calculate, you can go to the official website of Sberbank of the Russian Federation.

Documentation

To receive compensation, certain documents will be required. Their list depends on who provides them - the investor or the heir.

The investor must submit the following documents:

  • your civil passport,
  • savings book for a current deposit,

The heir submits the following documents:

  • your civil passport,
  • inheritance document,
  • death certificate of the investor,
  • application of the established form.

Video: Payment procedure

Calculation of the amount of compensation for the deposit

The final amount of debt to be paid is determined by the year of birth of the owner and the date of closure of the deposit. The amount is determined as follows: the cash balance in the deposit account is increased by two different factors and decreased by the amount that was previously paid as preliminary compensation.

One coefficient is equal to the number “2” for those investors who were born from 1946 to 1991. And the coefficient “3” is assigned to those who were born before 1946.

There are also the following sizes of the increasing multiplier:

There is a calculator on the Sberbank of Russia website that can be used to calculate the amount of compensation for the depositor.

But this calculation will only be approximate. To find out the exact cost, you need to contact one of the Sberbank branches. All features and difficult moments will be taken into account here. If necessary, they will restore the expense transactions that have existed over all these years.

The deposit was closed in 1995. Those born before 1945 receive a payment of the balance three times the amount with a coefficient of 0.9. As a result, the payment amount is 2,700 rubles.

Thus, the heir or investor will receive the amount of 2,700 rubles if there have been no other payments up to this point. If payments were made, the final amount will be much less.

Often, the heir may not know about all the contributions of his testator. He does not always know about previously received deposit payments. For this reason, Sberbank carries out an accurate verification of information in each specific case.

Formula for 3 times the amount of payment based on 1948. inclusive

To determine three times the amount of compensation, the following formula is used:

(Oν x Kk x 3) - Rk

  • Кk – compensation coefficient,

Formula for 2 times the payment amount from 1946-1991. R.

To determine the double amount of compensation, the following formula is used:

(Oν x Kk x 3) - Rk

In this case, the formula designations are deciphered as follows:

  • Oν – deposit balance as of June 20, 1991,
  • Кk – compensation coefficient,
  • Rk – the amount of compensation received previously.

Compensation of Sberbank deposits from 1992 in 2018

To consider the issue of calculating compensation for a deposit that was closed between 1992 and 2018, you must contact one of the bank’s structural divisions at the location of the deposit.

You can also contact the structural unit of the bank to which the depositor plans to transfer the amount of compensation. You can submit a corresponding application for compensation here.

Who is not paid

It is important to consider that compensation is not always paid.

Compensation will not be paid to the heir or investor in the following cases:

  • If the deposit was opened starting from June 20, 1991,
  • If the deposit was closed during the period 06/20/1991-12/31/1991,
  • If the deposit compensation was previously paid in full,
  • If the deceased investor does not have an heir aged before 1991,
  • If the heir of a citizen of the Russian Federation is not a citizen of Russia,
  • If the deposit does not belong to a citizen of the Russian Federation.

Payments to the heirs of a deceased investor

In 2018, the heirs of the deceased depositor also receive payments on deposits. But one condition must be met, according to which the investor on the day of death must be a citizen of the Russian Federation.

Payments are made as follows:

  • Three times compensation in the amount of the deposit balance as of June 20, 1991 is paid to persons born before 1945;
  • Double compensation is paid in the amount of the deposit balance as of June 20, 1991 to persons born in 1946 to 1991.

The amounts of these compensations are determined by the storage period of deposits. They are reduced by the amount of funds that were previously received. They are also reduced by the amount of additional compensation.

If the deposit was closed during the period from June 20, 1991 to December 31, 1991, the possibility of payment in double and triple amounts does not apply. If an investor who is a citizen of the Russian Federation died between 2001 and 2018, his heir receives payment for funeral services.

Payment is also made to an individual who paid for these services, but is not an heir.

The amount of this compensation is determined by the balance of the deposit as of June 20, 1991, but cannot exceed 6 thousand rubles.

Thus, if you qualify for compensation for Soviet deposits, it can be received if certain conditions are met. The main thing is to submit the necessary documents and make the necessary calculations. Only after this can you receive the payment due by law.