In the 90s, many Sberbank depositors lost their savings due to the economic reforms carried out at that time. However, in 2009 it was decided to pay compensation for lost deposits. What is happening today with the receipt of money on deposits of the Sberbank of the USSR, laid before 1992, and what needs to be done to arrange compensation, you will learn from our article.
Who can receive funds
According to the Decree of the Government of the Russian Federation No. 1092 of December 25, 2009, the following can apply for compensation payment:
- any citizen born before 1991 who had a deposit in Sberbank on June 20, 1991 and did not close it until 1992;
- the heir of the depositor (in case of death of the latter later than 2001);
- the person who paid for the depositor's burial (again, provided that he died after 2001).
Important! Compensation payments are provided exclusively to citizens of the Russian Federation. Nationals of the former Soviet republics cannot apply for funds.
How to make a payment
To receive funds against lost savings, you will have to pay a visit to a Sberbank branch. Naturally, it can be quite difficult to find the branch where the deposit in Sberbank was opened or closed in 1992 - it can be located in another city or country or be closed altogether. But it is not important. You can contact any office that is convenient for you. The package of necessary documents that must be provided to the bank will depend on your situation.
- If you were a contributor in the 90s, a passport, a valid passbook and an application will be enough. If the savings book has been lost, you will first have to write an application for its restoration, and only then - to receive compensation payments.
- If you are the heir of the depositor, in addition to the passport and application, you will need to present a death certificate, as well as documents on your right to inheritance (will or certificate from a notary).
Important! Before drawing up an inheritance after a deceased relative, in the absence of a will, it is worth ordering in Sberbank to search for all the deposits he had, and also request information about the compensations received on them. This will simplify further design.
Is it possible to arrange everything via the Internet
Compensation for Sberbank deposits of 1992 can be provided only upon an application certified by your signature. You can make a preliminary application in your personal account of the Sberbank Online service, but in any case you will have to submit an application through the office. But on the bank's website, you can immediately calculate the amount of compensation, which makes sense to claim based on your conditions.
To do this, it is not even necessary to be registered in the system - just go to the very bottom of the main page of the Sberbank website and in the column "Deposits" find the item "Compensation for deposits". Going into it, you will find a very convenient payout calculator.
Indexation of Sberbank deposits in 1992
The amount of compensation that can be received for a deposit lost in the 90s is determined based on the period of its validity, as well as the date of birth of the depositor. Persons born before 1946, when calculating compensation, must multiply the amount of the deposit on June 20, 1991 by 3, depositors born later - by 2. Thus, you will receive a preliminary total. To determine the final amount, you should multiply it by the coefficient, which is determined depending on the term of the deposit, according to the table below.
| Coefficient | Deposit closing year |
| 1 | 1996 - present |
| 0,9 | 1995 |
| 0,8 | 1994 |
| 0,7 | 1993 |
| 0,6 | 1992 |
Important! If you have previously received any compensation for lost deposits, its amount will be deducted from the total amount.
The odds formula is only suitable for direct depositors. Their heirs can claim to receive compensation from the bank for funeral expenses in the amount of 6,000 rubles, provided that at least 400 rubles were on the testator's deposit. This amount is paid regardless of whether the depositor received compensation for lost deposits during his lifetime or not. For deposits less than 400 rubles, the amount of compensation is calculated by multiplying the amount of the deposit by 15. Payments of compensation are made, at your request, either in cash or by transferring to the account specified in the application.
Historically, such deposits were opened in another country - the USSR - and with a different socio-economic structure of society. At that time, there was only one single credit institution for citizens - the Savings Bank. Official inflation was virtually zero. The interest on deposits was 3%. At the same time, for the sake of completeness, it should be noted that by 1991, almost everything was in deficit, that is, not available for sale.
One of the first steps of the initiated reforms was the abolition of state regulation of prices, which led to a multiple rise in prices for products and goods and their gradual appearance on the shelves. At the same time, the savings of citizens turned out to be completely devalued.
Sberbank on July 20, 1991 was transformed into a joint stock company. All deposits opened before this date were recognized by the state as internal public debt.
The issue of monetary compensation for deposits is devoted to the Federal Law of May 10, 1995 No. 73-FZ "On the restoration and protection of savings of citizens of the Russian Federation." Initially, many depositors received the so-called preliminary compensation for deposits in the amount of up to 1,000 rubles.
At present, payments are made in accordance with the Government of the Russian Federation Decree No. 1092 of December 25, 2009 "On the Procedure for Making Compensatory Payments to Citizens of the Russian Federation for Deposits in the Savings Bank of the Russian Federation in 2010" and Federal Law No. 308-FZ of December 2, 2009 "On the federal budget for 2010 and for the planning period of 2011 and 2012".
According to the decision, the amount of compensation depends on the age of the depositors. All citizens are divided into two categories:
Those born before 1945, inclusive, receive compensation in the threefold amount of the contribution;
Those born between 1946 and 1991 receive double compensation.
In addition, coefficients that reduce the amount of compensation have been introduced - depending on when the deposit was closed:
For deposits that are currently in effect or were in effect in 1992-2010 and closed in 1996-2010, the coefficient is 1, that is, the payment is made in full;
For deposits that were active in 1992-1994 and closed in 1995, the amount of payment is multiplied by 0.9;
For deposits in effect in 1993-1994 and closed in 1994 - coefficient 0.8;
For deposits operating in 1992 and closed in 1993 - the coefficient is 0.7;
For deposits that were active and closed in 1992 - coefficient 0.6.
Previously paid advance compensation will be deducted.
In order to receive compensation for a deposit, you must come to the appropriate branch of Sberbank with a passport. If the passbook has not been preserved, then the data on the deposit can be restored. Payments can be received not only by the depositors themselves, but also by their heirs.
The amount of compensation for deposits opened before 1992 does not fully compensate for the loss of citizens due to the rise in prices. On several occasions, the most persistent depositors attempted to obtain more decent monetary compensation, but their complaints were always rejected.
At the same time, it should be recognized that the payment of monetary compensation for deposits is, rather, of a social nature and is done in order to support the least protected segments of the population.
Compensation for deposits made before 1991
In 2018, compensation will continue to be paid on 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 Federal Law No. 73-FZ of 10.05.1995 "On the restoration and protection of savings of citizens of the Russian Federation ".
In accordance with Federal Law No. 362-FZ of 05.12.2017 "On the Federal Budget for 2018 and for the Planning Period of 2019 and 2020", the state budgeted for the continuation of compensation payments on household deposits classified as guaranteed savings the following funds:
- for 2018 - in the amount of 5,500,000.0 thousand rubles,
- for 2019 - in the amount of 5,500,000.0 thousand rubles,
- for 2020 - in the amount of 5,500,000.0 thousand rubles.
The procedure for compensation payments on deposits for 2018
On the basis of what regulations in 2018 will compensation be carried out on 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 2018 - 2020 are spelled out in Article 15 of Federal Law No. 362-FZ dated 05.12.2017.
The laws stipulate that the payment of compensation for the savings of citizens will be carried out in accordance with the Federal Law of 10.05.1995, No. 73-FZ "On the restoration and protection of savings of citizens of the Russian Federation."
In accordance with Federal Law No. 362-FZ dated 05.12.2017. v 2018 - 2020 years compensation payments are made to citizens of the Russian Federation for guaranteed savings (treasury obligations of the USSR and certificates of the Savings Bank of the USSR), which were in the accounts of Sberbank as of June 20, 1991.
The very procedure for making compensation payments on deposits (contributions) is determined by the Government of the Russian Federation. So, by the Decree of the Government of the Russian Federation of December 22, 2016 N 1435 for 2017, the effect of the Decree of the Government of the Russian Federation of December 25, 2009 No. 1092 "On the procedure for the implementation in 2010-2017 of compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation" was extended. An additional Resolution will be adopted for subsequent years.
Compensation payments on USSR deposits in 2018 will begin after budget financing for the current year is received by Sberbank of Russia.
Immediately I draw your attention to the fact that in accordance with paragraph 5 of Article 15 of the Federal Law of 05.12.2017 No. 362-FZ "On the federal budget for 2018 and for the planning period of 2019 and 2020", on deposits (contributions) of citizens of the Russian Federation, according to who previously accrued and paid compensation in a threefold (double) amount of the balance of deposits (contributions), preliminary compensation (compensation), additional compensation, compensation for payment of funeral services in the amount of up to 6.0 thousand rubles, repeated payment of these compensations is not carried out.
Who is entitled to compensation for a deposit in 2018 - 2020?
To whom and in what amounts is compensation paid for deposits in 2018 - 2020?
Compensation for old deposits in 2018 - 2020 is paid only to those citizens who have not yet received it.
So, according to article 15, paragraphs 2 - 5 of the Federal Law of 05.12.2017 No. 362-FZ "On the federal budget for 2018 and for the planning period of 2019 and 2020" in 2018, compensation for deposits on the accounts as of June 20, 1991 Sberbank of the Russian Federation, paid citizens of the Russian Federation in the following amounts:
- depositors born in 1945 inclusive (including heirs belonging to this category of citizens) - three times the balance of deposits as of June 20, 1991 (based on the face value of banknotes in 1991). The amount of threefold 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).
- depositors born in 1946 - 1991 (including heirs belonging to the specified category of citizens) - twice 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 the funeral services are paid compensation for the payment of funeral services in the amount and on the terms 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".
Heirs, relating to the above categories of citizens - payment of compensations in 2-fold and 3-fold amounts of deposit balances is carried out only if the owners of deposits have not received it before, and regardless of the age of the deceased owner of deposits. That is, you can get it - according to your age group, but only until 1991 year of birth. And yet - the amount of these compensations to the heirs is not reduced by the amount of compensation for payment of funeral services in the amount of up to 6 thousand rubles, if it was previously received.
In 2018 - 2020, compensation for deposits held on June 20, 1991 in the accounts of the Sberbank of the Russian Federation, not paid the following categories of citizens:
- depositors who closed their deposits in the period from June 20, 1991 to December 31, 1991
- to depositors, on whose deposits previously accruals and payments of compensations were made in the threefold (twofold) amount of the balance of deposits (contributions), compensation for payment of funeral services in the amount of up to 6.0 thousand rubles.
- to depositors of Sberbank of the USSR who do not have Russian citizenship.
Compensation for payment of funeral services is determined by the Federal Law of December 19, 2006 N 238-FZ in the following amounts:
- 6 thousand rubles, if the amount of the deceased owner's deposits 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 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.
When accepting an application for payment of compensation for payment of funeral services, a note is made on the death certificate of the owner of the deposits about the payment made.
The amount of compensation for a deposit depends on the storage period of deposits and is determined using the following coefficients:
- 1 - for deposits that are currently in effect;
- 1 - for deposits in effect in 1992 - 2017 and closed in 1996 - 2018;
- 0.9 - for deposits that were active in 1992-1994 and closed in 1995;
- 0.8 - for deposits in effect 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 in the period from June 20, 1991 to December 31, 1991.
So, for example, a depositor born in 1947, on a deposit closed in 1995, is compensated in 2 times the balance of deposits in the Savings Bank of the Russian Federation as of June 20, 1991 using a coefficient of 0.9.
In the light of the laws listed above, I would like to draw the attention of citizens to the following points:
- Payment of compensation to citizens (their heirs) who do not have Russian Federation citizenship, but who live in the territory of the Russian Federation are not provided.
- Compensation for existing deposits in 1991 is not made 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 previously 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.
The procedure for payment of compensation in 2017 was carried out identically to the above procedure for 2018.
Documents for payment of compensation for the deposit
Payments of compensations for deposits of 1991 are carried out in the subdivisions of Sberbank of Russia at the location of the deposits. To receive compensation, Sberbank must submit the following documents:
- Contributors (or their representatives), citizens of the Russian Federation:
- power of attorney with the right to receive compensation;
- application for compensation (drawn up at the bank);
- savings book (if any);
- statement about the loss of the savings book, if the savings book on the current deposit is lost;
- for a deposit closed in 1992-2018, the depositor draws up a corresponding application in the bank.
- Heirs, citizens of the Russian Federation:
- identity document;
- a document confirming the right to inheritance;
- death certificates of the owner of the deposits;
- a document confirming that the depositor at the date of death was a citizen of the Russian Federation (if necessary);
- savings book (for a valid deposit);
- in the absence of a savings book on a current deposit or upon receipt of compensation for a deposit closed in 1992-2018, the depositor draws up a corresponding application with the bank.
For information on the documents required to pay compensation for deposits, you can check with the operational employees of Sberbank 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.) by the bank employee are returned to customers after the application is completed and copies of these documents are made.
The amount of compensation paid to deposit holders is reflected:
- for closed deposits - in the cash outflow order, which the depositor must sign. Before signing the order, check the amount and if you have any questions about the amount, then the receipt should be postponed until the calculation is checked. It is desirable to get a copy of the order.
- for unclosed deposits - the operation of crediting compensation and the amount of compensation are reflected in the savings book with the mark "compensation". The passbook 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 prepared 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:
The designations used in the formulas are deciphered as:
- - the balance of the deposit as of 20.06.1991
- - compensation coefficient
- - the amount of previously received compensation
Explanations for determining the amount of the deposit balance from which the compensation amount is calculated:
For the correct compilation of the calculation according to the formula, it is necessary to take into account that the balance of the deposit as of 20.06.1991. can be made up of two sums:
- funds on the deposit account (the account number is indicated in the passbook)
- funds on a special account opened by the Decree of the President of the USSR dated 03.22.91 N UP-1708 (the account was opened if the deposit as of 03/01/1991 was more than 200 rubles).
This means that in addition to the amount of the deposit indicated in the savings book, the amount of compensation under Decree No. UP-1708, which was paid to depositors on all deposits, based on their balance as of March 1, 1991, also participates in compensation payments. This amount will not be available only for depositors who made their deposit in the period from 01.03.1991 to 20.006.1991.
In accordance with the Decree of the President of the USSR of 03.22.91 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 increased their savings by 40 percent of the deposit balances as of 01.03. 1991, which was credited as follows:
- By the amount of compensation payments up to 200 rubles inclusive, the balance of the deposit with the right to use these amounts after July 1, 1991 simply increased.
- 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.
When receiving compensation, it is especially worth paying attention to whether the amount of compensation for the second account was included in the total amount of compensation, since Sberbank employees "sometimes" for some reason "forget" about the payment on this account.
Who is not compensated for the deposit?
I repeat once again that compensation is not paid to depositors or heirs in the following cases:
- if the deposit was opened on 20.06.1991 and later;
- if the deposit was closed in the period from June 20, 1991 to December 31, 1991;
- if the deposit was previously paid in full;
- if the deceased depositor has no heirs before 1991;
- if the contribution belongs to non-citizens of the Russian Federation.
- if the heirs on the contribution of the deceased depositor (Citizen of the Russian Federation) do not belong to the citizens of the Russian Federation
Bibliography
To prepare this material used:
- Federal Law of May 10, 1995 No. 73-FZ "On the restoration and protection of savings of citizens of the Russian Federation"
- Resolution of the Government of the Russian Federation of December 25, 2009 No. 1092 "On the procedure for the implementation in 2010-2017 of compensation payments to citizens of the Russian Federation for deposits in the Savings Bank of the Russian Federation."
- Information from Sberbank of Russia on the procedure for payment of compensation.
- Federal Law of 05.12.2017 No. 362-FZ "On the federal budget for 2018 and for the planning period of 2019 and 2020"
The last changes to the material were made on December 29, 2017.
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Compensation for Sberbank deposits in 1992
In the 90s, many Sberbank depositors lost their savings due to the economic reforms carried out at that time. However, in 2009 it was decided to pay compensation for lost deposits. What is happening today with the receipt of money on deposits of the Sberbank of the USSR, laid before 1992, and what needs to be done to arrange compensation, you will learn from our article.
Who can receive funds
According to the Decree of the Government of the Russian Federation No. 1092 of December 25, 2009, the following can apply for compensation payment:
- any citizen born before 1991 who had a deposit in Sberbank on June 20, 1991 and did not close it until 1992;
- the heir of the depositor (in case of death of the latter later than 2001);
- the person who paid for the depositor's burial (again, provided that he died after 2001).
Important! Compensation payments are provided exclusively to citizens of the Russian Federation. Nationals of the former Soviet republics cannot apply for funds.
How to make a payment
To receive funds against lost savings, you will have to pay a visit to a Sberbank branch. Naturally, it can be quite difficult to find the branch where the deposit in Sberbank was opened or closed in 1992 - it can be located in another city or country or be closed altogether. But it is not important. You can contact any office that is convenient for you. The package of necessary documents that must be provided to the bank will depend on your situation.
- If you were a contributor in the 90s, a passport, a valid passbook and an application will be enough. If the savings book has been lost, you will first have to write an application for its restoration, and only then - to receive compensation payments.
- If you are the heir of the depositor, in addition to the passport and application, you will need to present a death certificate, as well as documents on your right to inheritance (will or certificate from a notary).
Important! Before drawing up an inheritance after a deceased relative, in the absence of a will, it is worth ordering in Sberbank to search for all the deposits he had, and also request information about the compensations received on them. This will simplify further design.
Is it possible to arrange everything via the Internet
Compensation for Sberbank deposits of 1992 can be provided only upon an application certified by your signature. You can make a preliminary application in your personal account of the Sberbank Online service, but in any case you will have to submit an application through the office. But on the bank's website, you can immediately calculate the amount of compensation, which makes sense to claim based on your conditions.
To do this, it is not even necessary to be registered in the system - just go to the very bottom of the main page of the Sberbank website and in the column "Deposits" find the item "Compensation for deposits". Going into it, you will find a very convenient payout calculator.
Indexation of Sberbank deposits in 1992
The amount of compensation that can be received for a deposit lost in the 90s is determined based on the period of its validity, as well as the date of birth of the depositor. Persons born before 1946, when calculating compensation, must multiply the amount of the deposit on June 20, 1991 by 3, depositors born later - by 2. Thus, you will receive a preliminary total. To determine the final amount, you should multiply it by the coefficient, which is determined depending on the term of the deposit, according to the table below.
Finally: Compensation for deposits of the former USSR
If you have been waiting for such an opportunity for a long time, then finally you should rejoice. But first, you should read the details. This year, the state will compensate Sberbank's deposits made during the existence of the USSR.
A prerequisite for the return is the term of the open account. The effective term for deposits is June 20, 1991. Payments will be compensated over the next two years. Sberbank also calls this payment "Compensatory Deposit".
In other words, this is not a separate offer that can be drawn up in bank branches, but just receiving compensation for closed deposit accounts of the USSR.
Compensation of USSR deposits return of deposits in Sberbank: who can qualify
The following categories of citizens can receive this compensation:
1. Customers born before 1991.
2. The heirs of those clients who were born before 1991.
3. Heirs or physical. persons who paid for funeral services in the event of death in 2001-2017 of the depositor.
In this case, they will be paid a monetary compensation of 6 thousand rubles (only if there are 400 rubles or more on the account in 1991), or the amount will be multiplied by 15 if it was less than 400 rubles.
It should be noted that the amount of compensation depends on the age of the Sberbank client, as well as on the term of the deposit.
The amount of compensation for a deposit depends on the storage period of deposits, and is determined using the following coefficients:
1 - for deposits that are currently in effect, as well as for deposits that were active in 1992 - 2012 and closed in 1996 - 2015;
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;
Investors born in 1945 inclusive (including heirs belonging to the specified category of citizens) - three times the residual balance as of June 20, 1991 (based on the face value of banknotes in 1991). The amount of threefold 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 the specified category of citizens) - in double the amount of the residual balance 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 - 2015, the heirs or individuals who paid for the funeral services are paid compensation for the payment of funeral services in the amount and on the conditions that are 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".
Compensation of USSR Deposits Return of Deposits in Sberbank: Required Documents.
In order to receive compensation, depositors or their heirs must: 1. Fill out an application 2. Submit it to any branch of Sberbank, while you must have a passport and a savings book.
It is also worth noting that after the bank employee has reviewed and made copies of the necessary documents, he must return them to the owner without fail.
The following documents will be required for the heir:
2. Document on the right of inheritance.
3. Certificate of death of the bank's client.
4. Document confirming the citizenship of the deceased.
5. Savings book.
If the depositor himself is a citizen of the Russian Federation, regardless of the country of residence, he is in any case entitled to compensation, on equal terms with other depositors. Detailed information on compensation and the provision of documents can be obtained by calling the Sberbank Consulting Center. You can also download in electronic form a special form for receiving payments on the official website of the bank.
Answer:
It is difficult to say whether the payment of compensation for the deposit was made correctly, since in your question you provided information that was mostly unnecessary for compiling the calculation. But even according to the data that is available, it can be assumed that you, most likely, did not receive compensation for the funds that should have been credited to a special account opened to you by the Decree of the President of the USSR dated 03.22.91 N UP-1708.
Here is how it is said in clause 2 of the Decree of the President of the USSR dated 03.22.91, UP-1708 (as amended on 02.27.1992) "On compensation to the population for losses from the depreciation of savings in connection with a single increase in retail prices":
“2. Compensation payments are made for all types of available deposits based on their balance as of March 1, 1991 in the manner determined by the State Bank of the USSR and the Savings Bank of the USSR. Since March 30, 1992, all restrictions on the use of funds credited to special accounts by depositors have been canceled by the Decree of the President of the Russian Federation of February 27, 1992 N 196. The balance of deposits with the right to use these amounts after July 1, 1991 increases by the amount of compensation payments up to 200 rubles inclusive. The revaluation amounts of deposits in excess of 200 rubles are credited to special accounts with the right to use these funds by depositors after three years. On funds in special accounts, income is paid based on the current rate of 7 percent per annum. "
So, in order to make sure that the compensation given to you is correct, you must first examine all the entries in your savings book from the period March 1, 1991 onwards, and make sure that 200 rubles have been added to the balance of the deposit. Sberbank had to credit 200 rubles to the account on which the savings book was issued according to the Decree and make a corresponding entry in the savings book:
date - 03/01/1991;
arrival - 200 rubles 40% compensation.
I will make an approximate calculation of the compensation due to you on the deposit, but given that you did not indicate what balance of the deposit was on the account as of 06/20/1991, and whether 200 rubles were credited to you, the calculation will be extremely inaccurate. In addition, you did not indicate the year of your birth, and therefore, based on the amount of compensation given to you, I assumed that you are entitled to a 2-fold compensation.
Calculation 1: - About compensation for the deposit, if the entry on the addition of 200 rubles to the savings book is made.
1. Suppose that after 40% of the compensation, which was added to the deposit on March 1, 1991, by July 20, 1991, the amount of the principal deposit is 826.90 rubles.
2. The amount that should have been credited to a special account should have been 50.76 (I consider the method from the opposite)
826.90 rubles - 200 = 626.90 approximate amount of the main deposit before accrual of 40% compensation
626.90 * 40/100 = 250.76 is the entire estimated amount of 40%
compensation, of which, according to the Decree, 200 rubles were added to the main deposit and 50.76 - to a special account opened for the depositor additionally. Both of these amounts are involved in the latest compensation payments.
3. The total amount to be compensated will be - 877.66
826,90 + 50,76 = 1561,99
4. Since you are entitled to a 2-fold compensation, the payment amount calculated according to the formula will be - 1755.32
(877.66 * 1 * 2) - 0 = 1755.32 (approximate amount of compensation!).
Calculation 2: - About compensation for the deposit, if the entry on the addition of 200 rubles to the savings book is not made.
1. Suppose that the amount of the deposit as of 03/01/1991 was 826.90 rubles. There is no record of the accrual of 40% of the compensation in the savings book.
2.40% compensation will be RUB 330.76
826.90 * 40/100 = 330.76 rubles.
3. Then, on June 20, 1991, the amount of the deposit on the main account will be 1,026.90 rubles.
826,90 + 200,00 = 1026,90
4. And 130.76 rubles will be credited to the special account.
330.76 - 200.00 = 130.76 rubles.
Both 40% compensation amounts are included in compensation payments.
5. The total amount that is subject to compensation will be - 1561.99
1026,90 + 130,76 = 1157,66
6. In this option, the 2-fold compensation will be - 2315.32
(1157,66 * 1 * 2) - 0 = 2315,32
In addition, read again my "Explanations for determining the amount of the balance of the deposit in calculating the amount of compensation" in the article "Compensation of deposits opened before 1991. for 2016 "
The depositor does not agree with the amount of compensation
To remove all doubts, you should make a written request to the bank about the amount of compensation payment, this is how it is stated on the Sberbank website in the "Questions and Answers" section:
Question 13: The depositor received compensation, but does not agree with the amount of compensation. What to do?
Answer: On the bank's website, through the "Feedback", draw up an appeal about disagreement with the amount of accrued compensation. Get a unique case number.
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Compensation and indexation of Sberbank deposits in 1992
Until 2020, the population will receive compensation for deposits that "disappeared" before 1992 in Sberbank. It is planned to return about three hundred billion rubles.How it all began
In the nineties, there was nowhere to spend money, and it turned out that the population had savings, which were subsequently stored in deposits in Sberbank. At the same time, a deficit arose at that time, which the state decided to "fix" by using funds from the population located in the deposits of Sberbank. After a while, it turned out that the bank could not repay the debt to all depositors, because there was simply nothing to do it. And what was left was frozen. Thus, the population was left with nothing.
Gradual way out
After some time, Mikhail Gorbachev indexed all deposits by 40%. Sums up to 200 rubles were handed out, and what exceeded the figure was credited to special accounts under special conditions that were not very beneficial for the population. But then there was no question of choice.
Two years later, a second compensation was made, albeit in absentia. This happened in part due to pressure from depositors. Boris Yeltsin issued a corresponding decree, but nothing followed. Although in 1996 Boris Yeltsin was "rehabilitated" and part of the debt still returned to the depositors.
Since 2009, and this is the fourth compensation in the account, payments have been made more actively.
Sberbank promises and compensation policy
At the moment, the Decree of the Government of the Russian Federation of December 25, 2009 No. 1092 "On the procedure for the implementation in 2010-2014 of compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation" is in force.
Who is claiming compensation? First, persons who were born before 1945 (inclusive). Payments are made to them in threefold amount in relation to the balance. Secondly, persons with a birth year between 1946 and 1991. The size is two times the remainder.
Compensation for payment of funeral services is determined by the Federal Law of December 19, 2006 N 238-FZ in the following amounts:
- 6 thousand rubles, if the amount of the deceased owner's deposits 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 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.
When accepting an application for payment of compensation for payment of funeral services, a note is made on the death certificate of the owner of the deposits about the payment made.
The amount of compensation for a deposit depends on the storage period of deposits and is determined using the following coefficients:
- 1 - for deposits that are currently in effect, as well as for deposits that were active 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 in the period from June 20, 1991 to December 31, 1991.
So, for example, a depositor born in 1947, on a deposit closed in 1995, is compensated in 2 times the balance of deposits in the Savings Bank of the Russian Federation as of June 20, 1991 using a coefficient of 0.9.
In the light of the laws listed above, I would like to draw the attention of citizens to the following points:
- Payment of compensation to citizens (their heirs) who do not have Russian Federation citizenship, but who live in the territory of the Russian Federation are not provided.
- Compensation for existing deposits in 1991 is not made 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 previously 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 the deposit
Payments of compensations for deposits of 1991 are carried out in the subdivisions of Sberbank of Russia at the location of the deposits. To receive compensation, Sberbank must submit the following documents:
- Contributors (or their representatives), citizens of the Russian Federation:
- power of attorney with the right to receive compensation;
- application for compensation (drawn up at the bank);
- savings book (if any);
- statement about the loss of the savings book, if the savings book on the current deposit is lost;
- for a deposit closed in 1992-2019, the depositor draws up a corresponding application in the bank.
- Heirs, citizens of the Russian Federation:
- identity document;
- a document confirming the right to inheritance;
- death certificates of the owner of the deposits;
- a document confirming that the depositor at the date of death was a citizen of the Russian Federation (if necessary);
- savings book (for a valid deposit);
- in the absence of a savings book on a current deposit or upon receipt of compensation for a deposit closed in 1992-2019, the depositor draws up a corresponding application with the bank.
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For information on the documents required to pay compensation for deposits, you can check with the operational employees of Sberbank 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.) by the bank employee are returned to customers after the application is completed and copies of these documents are made.
The amount of compensation paid to deposit holders is reflected:
- for closed deposits - in the cash outflow order, which the depositor must sign. Before signing the order, check the amount and if you have any questions about the amount, then the receipt should be postponed until the calculation is checked. It is desirable to get a copy of the order.
- for unclosed deposits - the operation of crediting compensation and the amount of compensation are reflected in the savings book with the mark "compensation". The passbook 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 prepared 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:
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:
For the correct compilation of the calculation according to the formula, it is necessary to take into account that the balance of the deposit as of 20.06.1991. can be made up of two sums:
- funds on the deposit account (the account number is indicated in the passbook)
- funds on a special account opened by the Decree of the President of the USSR dated 03.22.91 N UP-1708 (the account was opened if the deposit as of 03/01/1991 was more than 200 rubles).
This means that in addition to the amount of the deposit indicated in the savings book, the amount of compensation under Decree No. UP-1708, which was paid to depositors on all deposits, based on their balance as of March 1, 1991, also participates in compensation payments. This amount will not be available only for depositors who made their deposit in the period from 01.03.1991 to 20.006.1991.
In accordance with the Decree of the President of the USSR dated 03.22.91 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 in a one-time order increased the amount of savings by 40 percent of the deposit balances as of 03/01/1991 ., which was credited like this:
When receiving compensation, it is especially worth paying attention to whether the amount of compensation for the second account was included in the total amount of compensation, since Sberbank employees "sometimes" for some reason "forget" about the payment on this account.
Who is not compensated for the deposit?
I repeat once again that compensation is not paid to depositors or heirs in the following cases:
Bibliography
To prepare this material used:
The last changes to the material were made on 03.04.2019.
Today, the issue of reimbursement of monetary deposits that were placed by citizens during the Soviet Union is still relevant. On this basis, the government is developing new programs of state payments for lost deposits.
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However, the legal subtleties of this issue put many citizens in a difficult position. Therefore, you need to figure out whether it is possible to return the money if the deposit was made before 1992, what documents are needed for this, and how Sberbank makes payments in 2020.
General information
It so happened historically that the lost deposits were placed on the territory of another state (USSR). For depositors of that time, there was only one financial institution - Sberkassa. The inflation rate was zero. The interest rate on cash deposits was 3% in year.
However, do not forget that as of 1991, the country had a terrible deficit for any product.
Government reforms in the form of the abolition of state regulation of prices led to a rapid rise in prices for consumer goods. But, thanks to this, they began to gradually appear on the shelves. Unfortunately, the initiated reforms provoked a depreciation of the population's money savings.
Later, Sberbank became a joint stock company. Deposits that were placed before 20.07.1991 were recognized as domestic government debt. To settle the issue of reimbursement of monetary compensation, the Federal Law of 10.05.1995 No. 73-FZ was adopted. The state paid the first depositors preliminary compensation. Its size was no more than 1 thousand rubles... Today, the amount of compensation depends on the age of the depositor. The government has divided citizens into 2 categories, those born before and after 1945. Therefore, the amount of compensation is:
- Before 1945 - triple the amount of the deposit.
- WITH 1946 to 1991- double the amount of the deposit.
The designations used in the formula mean the following:
- Ov is the remainder of the deposit;
- Kk - compensation coefficient;
- Rk - the amount of the previously issued compensation.
Also, citizens need to take into account the reduction coefficient (Article 2 of the Law of 09/25/2009).
Its size depends on when exactly the deposit was closed, for example:
- deposits valid from 1992 to 2010, but closed from 1996 to 2010 - 1 ;
- deposits valid from 1992 to 1994, but closed in 1995 - 0,9 ;
- deposits valid from 1993 to 1994, but closed since 1994 - 0,8 ;
- deposits active in 1992, but closed since 1993 - 0,7 ;
- deposits active and closed in 1992 - 0,6 .
As you can see, only the first group of depositors receives compensation in full, while the rest of the citizens are recalculated.
With regard to the provisional compensation, it will be withheld upon payment of the remaining compensation amount. An analysis of the situation shows that compensation is more of a social nature and is aimed at supporting vulnerable segments of the population.
Deposit insurance
If we compare deposits during the Soviet era and today's deposits, we can see that little has changed since then. However, the government has developed a public deposit insurance system in order to minimize the risk of loss of placed deposits and restore the confidence of citizens.
Today, the maximum compensation is 1 million 400 thousand rubles.
It is worth recalling that the previous amount of compensation was only 700 thousand rubles., which is two times less than the current figure. If the depositor has placed his money in different banks, then the amount of compensation is calculated for each deposit separately (Article 11 of the Law of 23.12.2003). Therefore, if a credit institution suddenly goes bankrupt, then citizens will be able to return their money in the above amount. At the same time, participation in the insurance system is mandatory for all banks (Article 6 of the Law of 23.12.2003).
The responsibilities of a credit institution include:
- payment of insurance premiums;
- informing depositors about participation in the insurance system;
- keeping records of obligations to depositors.
Not subject to insurance:
- bearer deposits;
- deposits placed with Russian banks abroad.
Also, finances transferred to the bank in trust are not insured. This type of deposit is more related to investment.
Normative base
The procedure is regulated in accordance with the legislation:
- One of the first regulations that regulated the issue of compensation for deposits was the Law "On the restoration and protection of savings ...".
- Another document regulating the issue of increasing the amount of savings is the presidential decree of 22.03.91 N UP-1708.
- Later, the procedure for the implementation of compensation payments was developed, approved by the Government Decree of December 25, 2009 N 1092.
- The placement of deposits and the procedure for their return is approved by the Federal Law "On banks and banking ...".
- Household deposits are insured within the framework of the Federal Law "On Deposit Insurance ...".
- The procedure for payment of compensation was approved by the decision of the board of the State Insurance Agency….
- Contractual relations and the procedure for entering into inheritance are governed by the provisions of the Civil Code of the Russian Federation.
Package of documents
The main document for receiving compensation is the depositor's passport and passbook. If the savings book has been lost, then its data can be restored at the Sberbank branch. The depositor or his heirs can apply for compensation. However, in order to receive compensation, heirs must provide a certificate of inheritance.
The basis for the payment of compensation is the application of the person concerned (Article 10 of the Law of 23.12.2003).
Separately, it should be recalled that if the depositor died in the period from 2001 to 2010, then his heirs can receive a partial. The limit amount of compensation is set at 6 thousand rubles. (Article 5 of the Law of 25.09.2009). However, the condition for receiving the specified amount is the amount of the lost deposit, which must not be less than 400 rubles.
To receive this type of compensation, the interested person must submit:
- statement;
- documents on the right to inheritance;
- passport;
- death certificate;
- passbook of the owner of the deposit.
Separately, you may need a document confirming the depositor's citizenship.
Such a document can be:
- certificate of the housing office;
- extract from the house book;
- certificate from the place of work of the deceased.
If the interests of the depositor are represented by a third party, then he will need to provide a power of attorney. TO Compensation for the funeral is not included in the amount of compensation for deposits, provided that it was received earlier. If the depositor's money was deposited in different branches of the Savings Bank, then compensation for the funeral is made only in one of them. In order to avoid double receipt of funds, a corresponding mark is made on the death certificate. In addition, the issue of money is displayed in the bank's cash outflow order or in the savings book.
Payment procedure
Today, the procedure for paying compensation to depositors is enshrined in Article 12 of the Law "On Deposit Insurance ...". By law, the bank is obliged to notify the Agency about the occurrence of an insured event. The notification must be accompanied by a register of existing obligations to depositors. After that, the Agency publishes an announcement in the media within 7 days on the procedure for submitting applications and the procedure for paying compensation.
In addition, the Agency notifies depositors about the occurrence of an insured event within a month.
Payment of compensation to depositors is carried out in accordance with the above register. For this, the Agency is assigned 3-day term from the moment of submission of the necessary documents. However, the countdown starts after 14 days from the date of occurrence of the insured event. After the payment of compensation, the Agency issues a certificate to the depositor confirming the fact of the payment of money and the amount of compensation. A copy of this document is sent to the bank.
Calculation of the amount
As already mentioned, the amount of the payment depends on the age category of the recipient of the compensation. A reduction factor must also be taken into account.
Let's say the depositor was born in 1943. As a consequence, the amount of compensation is subject to a triple increase. The size of the deposit is 2 thousand rubles. The money was deposited in 1993. The deposit was closed in 1995. In this case, the coefficient is applied 0,9 .
The calculation of the amount of compensation for Soviet deposits is made as follows:
2000x3x0.9 = 5400 rubles.
As you can see, the depositor is entitled to 5400 rbl... compensation. Moreover, if he previously received a preliminary compensation, then it will be withheld from the accrued amount.
Interested parties can also view the history of compensation payments from 1996 to 2020.
Questions
- How to return a deposit if the bank's license was revoked?
- The procedure for returning the targeted contribution for children.
- The influence of Putin on the size of insurance payments.
- What if the bank does not issue compensation?
When revoking a license
Cancellation of a banking license is an insured event as a result of which the depositor can claim to be reimbursed for the deposit in the amount established by law (Article 8 of the Law of 23.12.2003). The procedure for paying compensation was discussed above. If the bank did not participate in the compulsory insurance system, then payments to depositors are made within the framework of the Federal Law of July 29, 2004 N 96-FZ "On payments of the Bank of Russia ...". In this case, depositors must take into account the instructions of the order of the Central Bank of November 17, 2004 No. 1517-U.
The basis for receiving compensation payment is the occurrence of an insured event.
In other words, the refund can be obtained:
- when the license is revoked;
- as a result of the introduction by the central bank of a moratorium on the satisfaction of creditors' claims.
Targeted contribution for children
According to the law, any deposits that were opened as of 06/20/1991 and that were valid until 12/31/1991 are subject to compensation. As a consequence, earmarked deposits for children are also subject to reimbursement.
Compensation is paid in accordance with the general procedure.
The depositor or the person who closed the deposit can receive a refund.
Putin and payments
This year the government has allocated 50 billion rubles. to compensate the burnt deposits of the population. It is planned to use similar amounts to pay off debts to the population in 2020-2016. At the same time, over 200 billion rubles have already been reimbursed to depositors over the previous four years. The current President of Russia V. Putin defended the interests of citizens back in 2010, being at that time the prime minister. Therefore, the decision to increase the amount of insurance compensation from 700 thousand to 1.4 million rubles. in case of liquidation of a credit institution is a continuation of the previously initiated policy.
In the language of numbers, the increase in the amount of compensation for current deposits led to the fact that the volume of liability of credit institutions increased by 12%.
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