Deposit insurance at banks - advice on insurance of deposits of individuals + list of TOP-5 banks included in the mandatory deposit insurance system

This issue will focus on deposit insurance, how the individual deposit insurance system works, what is the amount of compensation for deposits with banks in the Russian Federation this year.

After studying the article you will learn:

• What is deposit insurance and how does this system work;
• What is a Deposit Insurance Agency and what functions does it perform;
• How much is the insured amount on deposits in Russian banks today;
• What recommendations are given by experts on insurance of deposits of individuals.

In this publication you will also find list 5 popular banksparticipating in a deposit insurance system (CER), as well as instruction, which will help to get your own money in the event of an insured event.

Traditionally, at the end of the article, we answer the most popular questions posed by contributors regarding publication topics.

We advise you to read the submitted article to everyone who plans to open a deposit in the bank. It will not be superfluous to get acquainted with it and those who study finance.

What is compulsory deposit insurance, how does the individual deposit insurance system work, what is the list of banks included in CERs, and the amount of insurance compensation for deposits in banks of the Russian Federation - read this article

1. What is bank deposit insurance - a concept overview

In Russia, as well as in neighboring countries, it is deposits in banks that are the most popular way to invest money in order to save it.

Don't forgetthat deposits protect funds from the harmful effects inflation, as well as from thieves and natural Disasters. In addition, in some cases, deposits bring, albeit small, but still income.

Thanks to the development of modern technologies, financial management has become much easier and more convenient. Today, you don’t have to leave home to manage your savings. All operations are carried out through an account on the bank's website (in the mode online).

To receive a pension or salary, now you do not have to queue up in accounting or at the post office. Money is credited to personal accounts. At the same time, the efficiency of funds will increase significantly, if released salary or retirement card.

However, in times of economic crisis, public confidence in banks often falls. To increase it and stimulate citizens to draw up new contracts and make investments, the state has developed and implemented a program designed to ensure the protection of citizens' investments.

The main objective of the deposit insurance system (CER) is to provide guarantees for citizens to receive money in the event of an insured event. In other words, if a license to conduct an activity is withdrawn from a financial institution for some reason, depositors will be able to receive funds placed in bank accounts.

In our country, investment insurance legislation protects all deposits individuals. In accordance with regulatory enactments, a credit institution has the right to enter into deposit agreements with citizens exclusively subject to participation in a deposit insurance program.

The operation of the deposit protection program allows the public to gain confidence that regardless of the situation, they will receive their own money back. For this, investors will not have to conclude any additional agreements. Deposits issued at a participating company are insured automatically upon execution of the contract.

Investors should be aware of the most important nuance of the program - maximum refund amountupon occurrence of an insured event from 2015 of the year makes up 1 400 000 rubles. Previously, the size of the insured deposit was half as much - 700 000 rubles.

It’s important to know that the maximum insurance amount relates to the total amount of deposits opened with a particular credit institution at one citizen.

At the moment, to deposit insurance system (or abbreviated CER) in Russia joined approximately 900 financial companies. However, before opening a deposit with a credit institution, which the investor knows little about, it is better to make sure that it participates in CERs.

There is another feature of the insurance program - in accordance with the current legislation, not all open accounts are protected.

Investors should be aware that the following types of investments are NOT insured:

• deposit amounts in excess of 1,4 one million rubles;
• deposits issued in electronic currency;
• accounts opened in depersonalized metals;
• non-registered bearer deposits;
• deposits issued at branches of foreign credit organizations;
• funds that were transferred to trust.

However, the fact that these categories of accounts are not included in compulsory insurance does not mean that such funds cannot be returned. In fact, it all depends on how well the property of a bankrupt credit institution is sold.

The implementation and subsequent payment of compensation to depositors is handled by a specially created state organization. She is called Deposit Insurance Agency.

When paying compensations, a certain sequence is observed:

1. first of all, money is returned to individuals;
2. secondly, funds are paid individual entrepreneurs;
3. at the next stage, payments are made on deposits in excess of the insured amount - 1,4 one million rubles;
4. only at the very end, if there is money left from the sale of assets, will payments be made legal entities, metal account holders and other investments not subject to insurance.

2. How does the system of insurance of deposits of individuals - the main tasks and mechanism of action of CERs

The deposit insurance system acts as a special mechanism developed by the state to protect deposits made by citizens with Russian banks. The insurance program has been put in place. in 2004. The main reason for its development and implementation was the need to exercise control over the activities of banks.

At the beginning 2000a huge number of credit organizations went bankrupt, this process has become widespread. At the same time, public confidence in banks grew, and ultimately the number of deposits opened fell.

The state has a need to protect citizens' assets in order to increase its interest in bank deposits. All this led to the need to organize compulsory deposit insurance system. In short, this program is often called CER - deposit insurance system.

Banks that become participants in the insurance system are allowed to enter into deposit agreements with citizens. Moreover, they are obliged to transfer part of their own income to a specially created Compulsory insurance fund.

Since its inception, the insurance program has shown quite serious results:

• revealed more 100 insured events;
• total payments made more than 80 billion rubles;
• requested more compensation 400 000 citizens.

In fact, the deposit insurance system is not unique. Similar programs exist in most civilized states.

The main objectives of the insurance system are:

1. ensuring the stability of the banking sector;
2. prevention of panic among citizens during the collapse of a credit institution;
3. increasing the degree of confidence of individuals in the financial system of the country.

The principle of the insurance program is quite simple:

1. the depositor draws up a deposit in the bank in accordance with established principles;
2. a deposit agreement is signed, no additional agreements are required for insurance, the bank and the DIA (Deposit Insurance Agency) solve this problem independently;
3. quarterly, a credit institution transfers to a special fund 0,1% of the amount of all issued deposits.

It turns out that when insuring investments, investors do not have to make insurance premiums, for which banks themselves do it. If an insured event occurs, the process is connected DIA. The responsibilities of this organization include the refund of deposits to depositors in full.

The principle of the system of compulsory insurance of deposits of individuals in banks of the Russian Federation

Insurance cases include situations when central bank withdraws or withdraws a license credit organization. Most often this happens in cases where a credit company cannot fulfill its obligations to customers who have issued deposits here due to prolonged economic problems or final bankruptcy.

3. Deposit Insurance Agency (DIA) - what is it and what does it do?

Deposit Insurance Agency (abbreviated as DIA) It is a state organization that is responsible for maintaining the stability of the financial system within the state. The DIA fund is formed from funds that credit organizations periodically transfer.

Deposit Insurance Agency (DIA) is a Russian state corporation that was created to provide a deposit insurance system (CER) in 2004

The Agency has the right to manage the deductions received from banks as follows:

• accumulate;
• pay depositors as compensation if an insured event occurs;
• invest in order to generate additional income.

Investing allows you to create reserve, which may be needed in situations when the number of calls from depositors increases sharply.

Another function of the DIA is organization of the sale of bank assets in case of him liquidation or recognition bankrupt. The funds received in the course of these actions will be used to satisfy the claims of citizens and organizations that are creditors of a collapsed bank.

The task of the DIA is not only to protect the interests of investors, but also creating conditions for the successful operation of banks. Agency actions are regulated by Russian The governmentas well as representatives Central bank.

4. The list of TOP-5 banks included in the deposit insurance system this year

A large number of Russian banks have joined the deposit insurance system. Despite the fact that deposits are under state protection, the situation with the occurrence of an insured event is always unpleasant for depositors.

Below is a list TOP 5 banksincluded in the deposit insurance system, in which, according to some experts, the funds are under the most reliable protection and attractive interest rates on deposits.

1) Alfa Bank

Alfa-Bank is consistently included by specialists in the TOP of Russian credit organizations. This company is widely represented in the country - it has hundreds of branches, thousands of ATMs, as well as several subsidiaries.

Among individuals Alfa Bank deposits are among the most popular. The bank offers profitable deposits with capitalization, replenishment and prolongation. About what is the capitalization of the contribution, we wrote in a previous article.

Alfa-Bank has always been a member of this program since the formation of CERs. As one of the best financial organizations, this company has been awarded international prizes and awards several times. Independent Rating Agency "Expert" the bank is assigned the highest possible rating - A ++.

2) Gazprombank

Gazprombank is one of the largest credit organizations in Russia. She acts under the slogan: Nationwide - for everyone. Gazprombank is one of the three banks with the largest influence in Russia.

This credit organization serves the largest companies in Russia, and also has branches in many foreign countries (eg, in Armenia, Kazakhstan, Belarus, Switzerland). Thanks to such a wide network, Gazprombank today serves more 4 000 000 depositors.

3) VTB Bank of Moscow

The holding unites a large number of financial organizations (at the moment they are already more 20) VTB Group of Companies is active in both the Russian and international markets. It has high reliability and well-deserved trust of customers.

The presented bank holding provides a wide range of various services to both individuals and legal entities. These include:

• saving of funds;
• lending;
• insurance.

One of the shareholders of this credit institution is the Russian government.

4) Binbank

Binbank was established in 1996, today it is open more 500 branches all around Russia.

It is a private credit organization and positions itself as one of the most reliable Russian banks. This position is confirmed by the ratings that the credit organization Russian, as well as international rating agencies.

Binbank always tries to combine experience, including international credit organizations, with the peculiarities of the Russian financial market. Participation in CERs ensures that every deposit issued with the bank in question is insured.

5) Delta Credit

The main specialization of this bank is mortgage credit lending. An individual approach to each client, as well as the high speed of resolving any issue, led to the huge popularity of the bank among the population.

Absolutely all operations individualscarried out in DeltaCredit are subject to insurance.

5. What is the maximum amount of insurance compensation for deposits in 2019?

In 2019, the basic principles of compulsory deposit insurance will not change. The program will be implemented in the same way as before. Meanwhile, depositors are concerned about the insured amount on deposits with banks. This is explained quite simply: recently, several dozen credit organizations have been deprived of their licenses.

The current legislation established that in case of depriving a bank of a license for financial activities, the insurer pays to depositors the funds placed on deposits in full. But there is one caveat - maximumwhat you can get for insurance is 1 400 000 rubles.

If the depositor has placed a larger amount of money in a bankrupt bank, he will be paid the insured amount and put in turn. When the property is sold and the debts to the first line of creditors are paid off, if the money remains, they will be made surcharges. Therefore, it is advisable to keep within one bank no more 1,4 million rubles.

It happens that a depositor has several accounts in one bank. In case of revocation of the license, the total amount of money placed on them will be calculated. If the result exceeds the maximum compensation, the depositor will be paid only 1.4 million rubles, while the total amount of compensation is distributed among all accounts in proportion to their size.

Absolutely all payments are made in rubles, even in cases where the accounts were opened in a different currency. From the moment the insured event occurs until the citizen receives the money, about 3-6 months.

Despite the fact that the basic scheme and amount of payments in 2019 remained the same, several changes can be highlighted compared to the previous year.

The deposit insurance program in 2019 has the following features:

1. When opening a deposit in foreign currency, compensation is issued in rubles. In this case, the calculations are carried out using the Central Bank rate on the day of writing the application for payment;
2. Now, not only citizens, but also organizations can receive a refund;
3. Both the principal amount of the deposit and the accrued interest are subject to compensation.
4. Upon deposit more than 1.4 million rubles the depositor has the right to reimburse the full amount of the deposit. First, he will be paid the amount guaranteed by the deposit insurance system. After that, in order of priority, the account holder will be able to claim a part of the funds received during the sale of the bankrupt bank property.

After license revocation during 2 weeks are assigned temporary bank managers. In addition, a credit institution should be designated as an agent whose main task is to pay refunds. Information about which bank will issue funds can be found in offices and on the site bankrupt financial company as well on the DIA resource.

There are situations when depositors are simultaneously debtors of the bank (eg, issued a loan there). In this case, the amount of compensation will be reduced by the amount of debt.

How to insure a deposit in a bank - tips and tricks for individuals. and jur. of persons

6. Useful deposit insurance tips for individuals and legal entities

Deposit insurance in credit institutions is a mandatory procedure. Nevertheless, many investors have a large number of questions regarding the reliability of the protection of their money.

By the wayDespite the fact that CER exists for a long time, some citizens still do not know that their investments are protected by the state and will be returned to them in case of problems with the bank.

That's why expert advice about how to secure your money is guaranteed to remain relevant.

Tip 1. Verify that the credit institution is participating in the CERs.

Before opening a deposit in an unfamiliar bank, a depositor should make sure that he is a member of the insurance system. It is not difficult to do this - just visit the official Internet resource of the Agency and find a credit institution there.

You should not trust your money to those banks that are absent in CERs register or were for some reason excluded from it.

Tip 2. Make sure that the deposit belongs to the category that falls under the protection

The law defines a number of categories of bank accounts, which NOT are included to the list of insured. Investors must familiarize themselves with it.

It is also important to consider that the state protects not only the originally invested amount, but also the accrued interest. Therefore, opening a deposit in a dubious bank, it is worth calculating their total size. Ideally, the amount received should not exceed 1,4 million rubles.

Tip 3. It is important to carefully check all your data.

Before signing a deposit agreement, the depositor must carefully check all his data. It is about writing surname, first name and middle name, passport details, registration address.

Moreover, with any change in this information important immediately report this fact to the credit institution. If you don’t do this, you may experience payment Problems.

Thus, if the depositor complies with all the recommendations of specialists, it will be much easier to get compensation in the event of an insured event.

7. How to return a deposit to a bank whose license was revoked - a practical instruction of 4 steps

If a credit institution has problems, depositors have the right to apply for insurance compensation. In order for the return of funds to proceed quickly and painlessly, it is important to know what actions and in what sequence should be taken.

Step 1. Gather necessary information

A day after the Central Bank decides to revoke a license from a credit institution, information about this will be posted on the website Deposit Insurance Agencies. The same data can be found by visiting the Internet resource. Bank of Russia.

Homepage of the official site of the Deposit Insurance Agency (www.asv.org.ru)

Also, data on which credit institution will be appointed as the payout agent will appear on the site. The choice agent bankis produced during 3 days from the moment of revocation of the license.

It’s worth considering that sometimes the Deposit Insurance Agency pays compensation independentlywithout involving agents.

Yet 7 days given to the Agency to inform depositors of the time and place of payment.

In addition, during this period a list of citizens entitled to insurance payments is compiled. A letter is sent to each of them.

Step 2. Applying for compensation

The time period during which the depositor has the right to apply for compensation - since insurance situation before final liquidation of a credit institution. The limitation period for such cases is 2 years.

However, if the depositor fails to file an application for compensation during this time period for a good reason, the Agency will accept and consider his application. Most likely, the payment will be able to receive in such a situation.

Step 3. Application

To apply for insurance compensation, the depositor will need to apply for statement according to the established form. Receive form can be in the agent bank or download on the DIA website.

In addition, an identity document will be required. Upon receipt of funds, the representative of the depositor will need a notarized power of attorney.

Step 4. Receiving compensation

Agent is assigned to pay compensation 3 days from the moment of receipt of the relevant application. But it’s worth considering that the refund only begins across 14 days after revoking the license.

There are 2 main ways to pay compensation:

1. in cash;
2. by non-cash method - by transfer to the account indicated by the depositor in the application.

The table below will help you understand and remember the procedure for obtaining a refund.

The table of the sequence of actions of the depositor in the event of an insured event:

8. Frequently Asked Questions (FAQ) on Deposit Insurance

Each investor wants to maximize the security of his funds. That is why a lot of questions always arise on the topic of deposit insurance. Today we will try to answer some of them.

Question 1. In what currency is the compensation for deposits paid?

When an insured event occurs, compensation for all deposits, regardless of the currency of the account, is paid in Russian rubles.

Moreover, in cases where the deposit was issued in a foreign currency, the size of payments is calculated using Central Bank ratevalid on the day the insured event occurs.

Question 2. Does compulsory insurance of individuals' deposits extend to money that is on debit bank cards (including pension and salary)?

The debit card is a plastic electronic medium that allows you to access the funds placed on the current account.

Such accounts are opened by signing bank account agreement, which traditionally acts as one of the parts of the agreement on the issue of a bank card. Moreover, in accordance with the terms of the law on compulsory deposit insurance, any money placed under a current account agreement is considered contribution.

Moreover, the money placed on debit cards does not belong to the category of accounts that are not subject to state protection at the legislative level.

From the above circumstances we can conclude what are they fall under compulsory insurance.

9. Conclusion + video on the topic

Thus, deposit insurance is a useful service that is available to each depositor. Such measures help protect funds in case of any problems with a credit institution. This gives the investor additional confidence that he will not lose his own funds.

In conclusion, we recommend watching a video on how the Russian deposit insurance system (CER) works:

Despite the fact that bank deposit insurance allows you to return your own money, the team of the online magazine "Rich Pro" wants the banks in which you invest money to be financially stable.

Share your opinions and comments on the topic of publication, as well as ask your questions in the comments below.

Watch the video: SBI FIX DEPOSIT PLAN. SBI FD INTEREST RATE 2019 Hindi. FD CALCULATOR SBI (May 2024).