Issuance of deposits in a savings bank. How to receive compensation for the Soviet contribution
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 the 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
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 account balance 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 investor 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.
Restoration of monetary losses of Russians who had cash deposits in USSR savings banks valid as of June 20, 1991 is carried out on the basis of Decree of the President of the Russian Federation No. 73-FZ. Funds for compensation of lost deposits are annually allocated to the federal budget, the terms and procedure for compensation are also prescribed there, and the categories of citizens to whom they are entitled are also indicated. All these years, compensation payments to Russians have been made by Sberbank of Russia, which is the successor to the Soviet ones. Citizens wishing to receive USSR-era deposits should contact the nearest Sberbank branch. Its specialists will tell you what actions need to be taken to receive payments.
Who is entitled to payments and what determines their size?
Today, compensation for Soviet deposits is paid to citizens of the Russian Federation up to and including the year of birth in 1991 for their own and inherited deposits. In addition, compensation for funeral services in the amount of 6 thousand rubles is due to citizens of the Russian Federation who are heirs to deposits, as well as to individuals who paid for the funeral services of a Russian in 2001-2014.The compensation payment is adjusted by a coefficient that is applied depending on the year the deposit was closed:
0.6 – in 1992;
0.7 – in 1993;
0.8 – in 1994;
0.9 – in 1995;
1.0 – in 1996 and later, as well as for existing deposits.
A calculator for calculating compensation amounts can be found on the official website of Sberbank, however, calculations using it will only show the approximate amount of compensation. To obtain more accurate information about the total amount of payments and the procedure for receiving money, you need to contact bank specialists. They will restore all income and expense transactions on old deposits, calculate the amount of compensation and interest accumulated over the entire time the funds were in the account.
How to receive amounts due
To receive compensation, it is not at all necessary to contact the exact branch of Sberbank where the deposit was opened during the Soviet years. It is enough to visit any office located nearby and present the necessary documents: passport and passbook (if the deposit is valid). The absence of a savings book is not a basis for refusal of payment. To receive compensation you just have to write a statement about its loss. If the investor is not comfortable applying for money in person, then in order to receive compensation payments and carry out other actions related to this operation, he will have to issue a power of attorney.It must be borne in mind that today, citizens born before December 31, 1945 inclusive, are paid triple compensation, and from 1946 to 1991 - double compensation. Unfortunately, if the deposit was fully paid and closed during the period 06/20/1991-12/31/1991, you are not entitled to compensation payments.
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. 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 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 the 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:
- 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.
- 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.
- 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.
Compensation for deposits issued before 1991
In 2019, compensation will continue to be paid for deposits placed before 1991 by citizens of the Russian Federation in the Savings Bank of the Russian Federation, which are classified as guaranteed savings in accordance with the Federal Law of May 10, 1995 No. 73-FZ “On the restoration and protection of savings of citizens of the Russian Federation ".
In accordance with Federal Law No. 459-FZ of November 29, 2018 “On the federal budget for 2019 and for the planning period of 2020 and 2021,” the state has budgeted the following funds to continue compensation payments on household deposits classified as guaranteed savings:
- for 2019 - in the amount of 5,500,000.0 thousand rubles,
- for 2020 - in the amount of 5,500,000.0 thousand rubles,
- for 2021 - in the amount of 5,500,000.0 thousand rubles.
The procedure for compensation payments on deposits for 2019
On the basis of what regulations will compensation be provided in 2019 for deposits that were placed by depositors in Sberbank before June 20, 1991?The volumes and procedure for compensation payments on deposits opened before June 20, 1991 for 2019 - 2021 are prescribed in Article 15 of the Federal Law of November 29, 2018 N 459-FZ “On the Federal Budget for 2019 and for the Planning Period of 2020 and 2021” ". The law determines that payment of compensation for guaranteed savings will be carried out in accordance with Federal Law of May 10, 1995 N 73-FZ “On the restoration and protection of savings of citizens of the Russian Federation”
In accordance with Federal Law of November 29, 2018 N 459-FZ in 2019 - 2021 compensation payments are made to citizens of the Russian Federation on guaranteed savings (USSR treasury obligations and USSR Savings Bank certificates) that were in Sberbank accounts as of June 20, 1991. No compensation payments are made for deposits with the Savings Bank of the Russian Federation closed between June 20 and December 31, 1991.
The very procedure for making compensation payments on deposits (contributions) is determined by the Government of the Russian Federation. Decree of the Government of the Russian Federation dated December 14, 2018 N 1547 “On introducing amendments to Decree of the Government of the Russian Federation dated December 25, 2009 N 1092”, the effect of Decree of the Government of the Russian Federation dated December 25, 2009 No. 1092 “On the procedure for implementation in 2010 - 2019 years of compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation" was extended to 2019. New Government Resolutions will be adopted in subsequent years.
Compensation payments on USSR deposits in 2019 will begin after Sberbank of Russia receives budget funding for the current year.
I would like to immediately draw your attention to the fact that, in accordance with paragraph 5 of Article 15 of the Federal Law of November 29, 2018 N 459-F, for deposits (contributions) of citizens of the Russian Federation, for which accruals and payment of compensation were previously made in a threefold (double) amount balance of deposits (contributions), preliminary compensation (compensation), additional compensation, compensation for funeral services in the amount of up to 6.0 thousand rubles, re-payment of these compensations is not carried out.
Who is entitled to compensation for their deposit in 2019 - 2021?
To whom and in what amounts is compensation paid for deposits in 2019 - 2021?
Compensation for old deposits in 2019 - 2021 is paid only to those citizens who have not yet received it.
Thus, according to Article 15 paragraphs 2 - 5 of the Federal Law of November 29, 2018 N 459-FZ, in 2019 compensation for deposits listed as of June 20, 1991 in the accounts of Sberbank of the Russian Federation, are paid citizens of the Russian Federation in the following amounts:
- for depositors born in 1945 inclusive (including heirs belonging to this category of citizens) - three times the amount of the balance of deposits as of June 20, 1991 (based on the face value of banknotes in 1991). The amount of triple compensation depends on the storage period of deposits and is reduced by the amount of previously received preliminary compensation (compensation) and additional compensation for deposits (contributions).
- for depositors born in 1946 - 1991 (including heirs belonging to this category of citizens) - twice the amount of the balance of deposits as of June 20, 1991 (based on the face value of banknotes in 1991). The amount of double compensation depends on the storage period of deposits and is reduced by the amount of previously received preliminary compensation (compensation) and additional compensation for deposits (contributions).
- in the event of the death of the owner of the deposits in 2001 - 2018, the heirs or individuals who paid for funeral services are paid compensation for payment for funeral services in the amount and on the conditions determined by parts 5 - 7 of Article 117 of the Federal Law of December 19, 2006 N 238 -FZ "On the federal budget for 2007".
In 2019 - 2021, compensation for deposits listed as of June 20, 1991 in the accounts of Sberbank of the Russian Federation, not paid the following categories of citizens:
- to depositors who closed their deposits during the period from June 20, 1991 to December 31, 1991.
- to depositors for whose deposits accruals and payments of compensation were previously made in the amount of three times (double) the balance of deposits (contributions), compensation for payment of funeral services in the amount of up to 6.0 thousand rubles.
- depositors of Sberbank of the USSR who do not have Russian citizenship.
Compensation for funeral services is determined by Federal Law No. 238-FZ of December 19, 2006 in the following amounts:
- 6 thousand rubles, if the amount of deposits of the deceased owner indicated in the application is equal to or exceeds 400 rubles (based on the face value of banknotes in 1991);
- in an amount equal to the amount of deposits of the deceased owner indicated in the application, multiplied by a factor of 15, if the amount of deposits is less than 400 rubles.
When accepting an application for payment of compensation for funeral services, a note about the payment made is made on the death certificate of the owner of the deposits.
The amount of compensation for the deposit depends on the storage period of the deposits and is determined using the following coefficients:
- 1 - for deposits currently operating, as well as for deposits operating in 1992 - 2019 and closed in 1996 - 2019;
- 0.9 - for deposits that were active in 1992 - 1994 and closed in 1995;
- 0.8 - for deposits that were active in 1992 - 1993 and closed in 1994;
- 0.7 - for deposits that were active in 1992 and closed in 1993;
- 0.6 - for deposits closed in 1992;
- 0.0 - for deposits closed during the period from June 20, 1991 to December 31, 1991.
In light of the laws listed above, I would like to especially draw the attention of citizens to the following points:
- Payment of compensation to citizens (their heirs) who do not have Citizenship of the Russian Federation but live on the territory of the Russian Federation is not provided.
- Compensation for existing deposits dating back to 1991 is not provided to citizens living outside the Russian Federation and who are foreign citizens or stateless persons.
- Payment of compensation for deposits opened on the territory of states that were formerly part of the USSR is carried out only by these states and only in accordance with the legislation of these states.
- Payment of compensation for deposits opened after June 20, 1991 is not carried out at all.
Documents for payment of compensation for deposit
Payments of compensation for deposits in 1991 are carried out in the branches of Sberbank of Russia at the location of the deposits. To receive compensation, Sberbank must submit the following documents:
- By investors (or their representatives), citizens of the Russian Federation:
- power of attorney with the right to receive compensation;
- application for compensation (to be completed at the bank);
- savings book (if available);
- statement about the loss of the savings book, if the savings book for the current deposit is lost;
- For a deposit closed in 1992-2019, the depositor fills out a corresponding application at the bank.
- Heirs, citizens of the Russian Federation:
- identification document;
- a document confirming the right to inheritance;
- death certificates of the deposit owner;
- a document confirming that the investor was a citizen of the Russian Federation on the date of death (if necessary);
- savings book (for current deposit);
- in the absence of a savings book for an existing deposit or upon receipt of compensation for a deposit closed in 1992-2019, the depositor fills out a corresponding application at the bank.
You can obtain information about the documents required to pay compensation for deposits from Sberbank operational employees or by calling the Bank's help desk. The application form for compensation can be downloaded here or searched on the Sberbank website.
All original documents presented to Sberbank (passport, savings book, death certificate, documents confirming inheritance rights, etc.) are returned by a bank employee to clients after filling out an application and making copies of these documents.
The amount of compensation paid to deposit owners is reflected:
- for closed deposits - in the cash receipt order, which the depositor must sign. Before signing the order, check the amount and if you have questions about the amount, you should postpone receipt until the calculation is checked. It is advisable to receive a copy of the order in hand.
- for unclosed deposits - the operation of crediting compensation and the amount of compensation are reflected in the savings book with the mark “compensation”. The savings book should be returned to you.
Calculation of the amount of compensation for the deposit
To calculate the amount of compensation for deposits made before June 20, 1991, specially designed formulas are used.So, the amount of compensation for deposits can be calculated independently using the following formulas:
1.The amount of 3-fold compensation is determined by the formula:
3x Compensation Formula
2. The amount of 2-fold compensation is determined by the formula:
2x Compensation Formula
The designations used in the formulas are deciphered as:
Explanations for determining the amount of the deposit balance from which the compensation amount is calculated:
To correctly calculate the formula, it is necessary to take into account that the balance of the deposit as of June 20, 1991. can be made up of two sums:
- funds in the deposit account (account number is indicated in the passbook)
- funds in a special account opened by Decree of the President of the USSR dated March 22, 1991 N UP-1708 (the account was opened if the deposit as of March 1, 1991 was more than 200 rubles).
In accordance with the Decree of the President of the USSR dated March 22, 1991 N UP-1708 “On compensation to the population for losses from the depreciation of savings in connection with a one-time increase in retail prices,” Sberbank depositors received a one-time increase in the amount of savings by 40 percent of the deposit balances as of March 1, 1991 ., which was credited as follows:
- By the amount of compensation payments up to 200 rubles inclusive, the deposit balance was simply increased with the right to use these amounts after July 1, 1991.
- For the amount of revaluation of deposits exceeding 200 rubles, the funds were credited to special accounts with the right to use after three years.
To whom is compensation for the deposit not paid?
I repeat once again that compensation to investors or heirs is not paid in the following cases:
- if the deposit was opened on June 20, 1991 and later;
- if the deposit was closed between June 20, 1991 and December 31, 1991;
- if compensation for the deposit was previously paid in full;
- if the deceased investor had no heirs before 1991;
- if the deposit does not belong to citizens of the Russian Federation.
- if the heirs to the deposit of the deceased investor (Citizen of the Russian Federation) are not citizens of the Russian Federation
Bibliography
To prepare this material we used:
- Federal Law of May 10, 1995 No. 73-FZ “On the restoration and protection of savings of citizens of the Russian Federation”
- Decree of the Government of the Russian Federation of December 25, 2009 No. 1092 “On the procedure for making compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation in 2010-2019.”
- Information from Sberbank of Russia on the procedure for payment of compensation.
- Federal Law of November 29, 2018 N 459-FZ "On the federal budget for 2019 and for the planning period of 2020 and 2021"