Where to receive compensation for deposits from Sberbank of the USSR. Who receives compensation payments on deposits from Sberbank of the USSR

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?

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

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.

In 2019, compensation for Sberbank deposits made during the existence of the USSR continues. Return of deposits in this company is carried out provided that the account was opened before 06/20/1991 and was valid on this date.

general information

In the Russian federal budget for the current year, such an expense item as payments to Soviet investors is again planned. Such payments are also called “Compensation Deposit” in Sberbank.

In other words, this is not a separate offer that can be issued at a bank branch, but simply receiving a refund for Soviet, previously closed savings accounts. The following categories of clients are entitled to receive compensation.

• depositors born before 1991;
• heirs of clients born before 1991;
• heirs or individuals who paid for funeral services in the event of the death of the investor in 2001-2018. In this case, they are paid a sum of money in the amount of 6,000 rubles (if the account had 400 rubles or more as of 1991), or multiplied by 15 if the amount was less than 400 rubles.

If you have lost your savings book, but there were deposits: you may be issued a duplicate of your Savings Book. A duplicate is issued depending on the balance of funds on the deposit at the time of the client’s request:
- if the balance is 200 thousand rubles. and more (for a Moscow bank - 500 thousand rubles) or the equivalent in foreign currency, then a duplicate savings book can only be issued at the Bank office at the place of opening the deposit;
- if the deposit account balance is less than 200 thousand rubles. (for the Moscow Bank less than 500 thousand rubles), then a duplicate of the savings book can be issued at the Bank’s office as part of the “Green Street” service on the territory of the TB where the account is opened.

How is the compensation amount calculated?

Please note that if the bank's license is revoked, you can be guaranteed to receive an amount not exceeding 1.4 million rubles; larger investments will be gradually returned to account holders during the sale of the banking organization's assets.

Interest can also be added to the directly invested deposit amount if it was calculated by adding it to the account balance, i.e. through capitalization.

During the financial crisis, due to the depreciation of money, investors in the former USSR lost part of their property, which was in savings. The decline of the economy and additional money emission led to rising prices, hyperinflation and loss of nominal purchasing power of household deposits. The population's money remained frozen in savings accounts.

What is the return of deposits from Sberbank of the USSR

In order to partially compensate for funds lost due to inflation, compensation for deposits dating back to 1991 is provided in 2018. Such events are a continuation of the state program implemented by the Government of the Russian Federation. Phased compensation of savings began in 1996. At first, socially vulnerable categories of the population predominated among the recipients of compensation payments - representatives of the older age group, with disabilities, holders of USSR Certificates.

Compensation for savings is carried out based on the real capabilities of the state treasury, and does not imply full compensation for losses from the depreciation of savings. Starting from 2018, the Ministry of Finance plans to annually allocate 5.5 billion rubles from the country’s federal budget to finance the program in order to partially compensate the population for burnt Sberbank deposits in 1991. The completion of one-time payments is planned for 2020.

Regulatory framework

The circle of persons who are entitled to payment of compensation for deposits dating back to 1991 in 2018, the conditions for the procedure and the amount of compensation are determined by the Federal Laws:

1. No. 73-FZ dated May 10, 1995 “On the restoration and protection of savings of citizens of the Russian Federation.” By this legislative act, pre-reform savings of the population were included in the category of guaranteed, and the state accepted obligations to pay them in the future.
2. No. 238-FZ dated December 19, 2009 “On the federal budget for 2007.” Conditions are provided for reimbursement to heirs of expenses for funeral services on the occasion of the death of the owner of the savings.
3. No. 362-FZ dated December 5, 2017. “On the federal budget for 2018 and for the planning period 2018 and 2020.” The amount and procedure for compensation of savings have been determined.
4. From 12/19/2016 No. 415-FZ. The volume and procedure for compensation for deposits, insurance contracts, treasury obligations and certificates of the Savings Bank of the USSR have been established.

Who can receive Sberbank payments

Legislative acts provide that compensation for previously frozen savings of the population will be made according to existing:

• until June 20, 1991, Sberbank deposits (as of this date, all funds in savings books were recognized as state internal debt, and later the state bank was transformed into a joint-stock company);
• until 1.01. 1992 Rosgosstrakh agreements;
• USSR treasury obligations;
• certificates of Sberbank of the USSR.

According to the law, the following may apply for compensation for deposits dating back to 1991:

• the depositors themselves, who were born before 1991;
• in the event of the death of the owner of the savings - their heirs born before 1991;
• other individuals who paid for the funeral services of the deceased owner of the savings.

Which deposits are non-refundable?

Compensation will be paid for deposits dating back to 1991 in 2018, subject to compliance with the requirements for the recipient of funds and the deposit. Savings owners or their heirs can receive money, provided that they have Russian citizenship. Investors living outside the country can also count on compensation, but provided that they are citizens of the Russian Federation. You should not expect to receive a refund of your savings:

• persons born in 1991 and later;

• when opening an account after June 20, 1991;
• when closing a deposit in the period from June 20, 1991 to December 31, 1991;
• if compensation payments for 1991 deposits were made in full earlier;
• heirs - citizens of the Russian Federation, but on a deposit whose owner did not have Russian citizenship at the time of death;
• on the deposit of the deceased owner, who does not have citizens of the Russian Federation among his heirs.

Can heirs receive the contribution?

The legislation of the Russian Federation provides for compensation from Sberbank to heirs of deposits dating back to 1991. The frozen funds of a deceased owner of savings are reimbursed to his close relatives, subject to compliance with established requirements. Compensation will be paid for savings that existed before June 20, 1991 and were not closed until December 31, 1991 in the event of the death of the owner (citizen of the Russian Federation), if the recipient:

• inherited the right to own savings;
• has Russian citizenship;
• born before 1991

How much compensation is paid?

You can independently figure out how the revaluation of frozen savings will take place and find out the amount of compensation for deposits dating back to 1991 in 2018. To do this, it is necessary to take into account the factors that determine the amount of accrual. The amount of compensation is affected by:

• age of the recipient of the frozen funds;
• period of storage of money on deposit;
• when receiving frozen funds again - the amount of previous compensation payments.

Payments from USSR savings books

To make compensation payments, it is necessary to re-evaluate the frozen money and equate the Soviet ruble with the Russian one. In order to compensate the population for frozen funds lost due to hyperinflation, deposits from 1991 will be indexed in 2018 - their multiple increase. Dependence of the amount of compensation on age:

Compensation for deposits made in 1991 in 2018 has a social orientation, therefore, increased amounts of compensation are provided for more vulnerable categories. Older people, compared to people born later, with equal savings account balances, will receive 50% more in Russian rubles. For example, if there are savings of 5 thousand Soviet rubles, the owner of the deposit born in 1944. 15 thousand rubles will be paid (5000 multiplied by 3), and born in 1947. – 10 thousand rubles (5000 multiplied by 2).

Funeral compensation

Frozen funds of investors who died after 2001 are paid for funeral expenses:

• heirs;
• persons who are not related to the owner of the savings, but have paid for funeral services.

Funds are paid for these purposes even on closed deposits in the period from June 20, 1991. to 12/31/1991 In the event that during his lifetime the depositor received compensation of the accumulated funds in full in the prescribed amounts, Sberbank does not compensate for funeral expenses. The amount of payments depends on the balance of the deceased owner's savings account. If there is a deposit amount of four hundred rubles or more, the persons who performed the burial are paid 6 thousand rubles.

A fifteen-fold increase is applied if the balance was less than 400 rubles. For example, if there is an amount of 300 rubles in the account, the recipient will be paid 4,500 rubles. If the deceased has savings accounts in several branches of Sberbank, compensation for funeral services is paid only on one deposit of the recipient’s choice - from the account with a large cash balance. After payments are made, a bank employee makes a note on the original death certificate of the depositor.

Targeted contribution for children 1991

You can receive compensation for deposits made in 1991 in 2018 if the deposit was opened by a parent for a child before reaching the age of majority. The terms of the agreement stipulated that the money should be kept for at least 10 years, and then the bearer would be paid increased interest. As with other savings accounts, you should not expect to earn bank interest.

The amount of compensation will depend on the age of the recipient. Those born from 1945 to 1991 will receive double the amount of the unpaid amount; all senior persons will receive a 3-fold indexation of the balance of funds. The following can apply for frozen savings:

• persons who opened a savings account;
• heirs;
• persons who paid for funeral services if the account holder died.

Deposit storage duration coefficient

Compensation for deposits made in 1991 in 2018 is determined taking into account the time the funds were kept in the savings account. To calculate the amount of compensation for savings, a reduction factor is used. It is equal to one for open savings accounts. Dependence of the amount of compensation on the period of savings.

Calculation formula

You can find out the final amount of compensation due by taking into account all the determining factors simultaneously:

• the age of the recipient, for which a twofold or threefold increase is provided;
• the period of storage of funds after 1991, which involves multiplying by a coefficient from 0.6 to 1;
• the amount of the preliminary compensation amount paid.

To independently determine the amount of the due payment, you should use the formula. Persons born from 1945 to 1991 (depositors and heirs) are entitled to a twofold increase in the balance of the savings account and the calculation is carried out according to the formula:

C=2xOxK-R.

For senior persons, a threefold increase in the deposit amount is applied and the amount of compensation is calculated using the formula:

C=3xOxK-R.

For both formulas:

C – amount of compensation,

O – balance of funds in the savings account as of June 20, 1991;

K – coefficient that corresponds to the period of deposit closure (0.6 for 1992, 0.7 for 1993, 0.8 for 1994, 0.9 for 1995. 1 – for existing deposits or closed later than the listed dates);

P – the amount of preliminary compensation payments received (the 6,000 rubles previously paid to the heirs for funeral services are not deducted when determining the amount of compensation).

What amounts does the deposit balance consist of?

Recipients of compensation payments should take into account that they may be subject to accruals on amounts that have already been indexed. According to the Decree of the President of the USSR dated March 22, 1991, the size of all deposits as of March 1, 1991 was increased by 40%. The options for accounting, use, and payment of these funds are available to investors:

1. If there were less than 200 rubles in the savings account on the above date, the deposit balance was increased, a corresponding entry was made, and funds could be withdrawn in cash after 07/01/1991.
2. The amount of revaluation of savings exceeding 200 rubles as of 03/01/1991 was credited to a special account. These funds could be used after 3 years.
3. For persons who opened deposits from March 1, 1991 to June 20, 1991. payment is made only according to the balance recorded in the savings book, since indexation by 40% was not carried out.

How to receive compensation for deposits of Sberbank of the USSR

Frozen savings are in the accounts of Sberbank, which in its activities is subordinate to the Central Bank. Investors or heirs should consider:

1. You can receive indexed savings by application; the financial institution does not engage in search activities.
2. To apply for a refund, you need to contact the bank branch where the savings book was opened. If this branch of Sberbank is remote, the depositor or heir can visit the branch located at his place of residence with a request to transfer savings. Sometimes you need to pay a commission for such a banking transaction.
3. Mostly the recipient is paid in cash. It is possible to refinance savings at the request of the submitter of the application and documents.
4. If you lose your passbook, you must contact the bank branch where it was opened. All information about depositors and the status of their savings accounts is stored in the bank.
5. Those who participated in the state insurance of the USSR should contact Rosgosstrakh.

The algorithm of actions of a potential recipient of compensation payments includes the following steps:

1. You must ensure that there are grounds for receiving compensation. The depositor or heir should check the closing date of the deposit.
2. Contact the bank and find out the list of required documents. Assemble the package provided.
3. Using the entries in the passbook, determine the branch where you should apply.
4. If the heir does not have information about the availability of savings of the deceased relative, send a request to Sberbank.
5. Write an application for compensation payments and provide documents.
6. Receive funds or make a deposit. Payments are made on the basis of a cash receipt order. The recipient should check the specified amount and sign.

Application for compensation amount

There are two ways to submit an application for compensation:

1. At a bank branch. An employee issues a document form and helps you fill it out.
2. You can draw up an application yourself by downloading the form on the Sberbank website.

If you lose your savings book, you must notify Sberbank and additionally write an explanatory note indicating the reason for the loss. The application form requires filling out information about the depositor and additionally about the heir if the account owner has died. The last name, first name, patronymic, citizenship of the depositor and heir, and date of birth are entered in the provided columns. The application should indicate the amount of savings as of June 20, 1991 and the date the account was closed.

Documents for payment

Information about the documents required to receive compensation for frozen savings can be found at any Sberbank branch or by calling the help desk. The original documents must be provided to the bank according to the stipulated list. All originals are returned to the owner after mandatory verification by an employee and making copies. The list of documents depends on the status of the recipient. It is different for the depositor and the heir.

List of documents for investors (or their official representatives)

Depositors themselves or their representatives can contact the bank to receive compensation payments if the account holder cannot independently visit a Sberbank branch. The legislation provides for the provision, along with an application drawn up in the bank’s form, of the originals of the following documents:

• passport, which identifies the depositor and confirms his citizenship as of June 20, 1991;
• savings book;
• notes about the loss of the passbook in case of its loss;
• a power of attorney issued by a notary, in the case of representing the interests of the depositor by another person, as well as a document identifying the representative of the owner of the savings book.

List of documents provided by heirs

Before contacting the bank, the heir needs to make sure that at the time of death and closing of savings, the deceased owner was a citizen of the Russian Federation. It should be noted that compensation is paid to another person only if he has Russian citizenship. To receive compensation payments, heirs must attach to the application:

• your passport as a citizen of the Russian Federation;
• a document confirming that at the time of death the investor was a citizen of the Russian Federation;
• savings book of the deceased investor;
• a document confirming the right of inheritance (a will, and in its absence - a notarial certificate of the right to inheritance);
• death certificate of the owner of the savings.

Video

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

Who is entitled to compensation?

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

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

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

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

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

0.6 - if the deposit was closed in 1992;

0.7 - the deposit was closed in 1993;

0.8 - the deposit was closed in 1994;

0.9 - the deposit was closed in 1995;

1 - the deposit was closed in 1996-2010.

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

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

How to receive the money.

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

Compensation of the contribution by inheritance.

More documents will be required here

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

Secondly, a certificate of inheritance.

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

Compensation by proxy.

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

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

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

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

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

Born after 1945, which means the compensation coefficient is two

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

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

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

Owners of accounts opened before June 20, 1991, as well as their heirs, can receive compensation for deposits of Sberbank of the USSR. The procedure for calculating and paying compensation is determined by federal law, but you can apply for funds only if many conditions are met.

In this material, we will analyze how compensation is paid for deposits of Sberbank of the former USSR, and how much depositors can claim.

Grounds for payment of compensation

During the existence of the USSR, the only real opportunity to place your savings in bank accounts and deposits was to contact Sberbank. In the banking services market of the Union, this institution was actually a monopolist, since other banks were created only for foreign economic and production purposes. Since savings banks were opened in almost every locality, at the time of the collapse of the USSR, most citizens owned an account in this institution.

Despite the guarantees of safety of funds in accounts and deposits, the possibility of receiving them was significantly limited for the following reasons:

1. with the collapse of the USSR, the system of state banking institutions ceased to function - instead of the Savings Bank of the USSR, which was under full state control, Sberbank of the Russian Federation was formed, which is a completely commercial structure;
2. although Russia and other states of the former USSR assumed a number of obligations to citizens, this rule applied to the payment of bank deposits with significant restrictions;
3. the transition to a market economy instantly devalued all balances on accounts and deposits, and their payment at the real inflation rate was impossible.

However, the state has repeatedly returned to the issue of full or partial compensation of existing savings. Since Sberbank of the Russian Federation was not officially the legal successor of the liquidated banking structure, the allocation of funds for compensation was assigned to the federal budget.

The legal grounds for recalculation and payment of compensation were regulated by Federal Law No. 75-FZ of May 10, 1995. Let us highlight its key points that current holders of old accounts need to take into account:

• persons whose savings were in Sberbank of the Russian Federation as of June 20, 1991 have the right to return the deposit balance;
• the right to receive compensation arises only when funds are placed in government treasury bonds of the USSR and Sberbank certificates - if the account or deposit does not fall under these requirements, you can not count on compensation;
• There are no restrictions on the deposit subject to compensation, however, the amount of the balance will be taken into account when determining the coefficients for calculation.

In addition, you can receive compensation for deposits made before 1991 at Sberbank, provided that money was allocated for these purposes from the federal budget for the current financial year. The state cannot pay all debts under previous obligations one-time, therefore, during annual budget planning, only a limited amount of funds is allocated.

For example, during 2018, 2019 and 2020, the budget provided 5,500,000 thousand rubles for payments to depositors of the former Sberbank of the USSR. annually. If the amount of applications for payment is greater than budgetary allocations, compensation will be issued in part.

Let's look at what conditions must be met in order to qualify for compensation on deposits.

Conditions for issuing compensation

The requirement to have an open deposit in Sberbank of the USSR as of June 20, 1991 is far from the only one. To do this, the following rules and principles apply:

1. the issuance of compensation is one-time in nature, i.e. There is no point in re-applying;
2. to streamline payments, the legislator provides for age groups - assignment to such groups entitled to receive money in a certain year is carried out by the Government of the Russian Federation;
3. the right to compensation is lost if the cash deposit was closed before December 31, 1991, i.e. at the time of the collapse of the USSR.

In addition, the legislator also sets maximum payment limits, which we will discuss below.

If the depositor withdrew his money from the bank after December 31, 1991, he is among the potential recipients of compensation. However, the year of termination of the contract with the bank is significant for calculating the final amount of compensation. First of all, let’s look at which age groups can qualify for payment in 2018:

• persons born before 1945 (inclusive) will be able to count on three times the amount of compensation from the deposit balance - however, a reduction factor may be applied to the amount, depending on the year of termination of the bank deposit agreement;
• persons whose birth period falls between 1946 and 1991 will be able to claim double the amount of compensation, but also with the possible application of reducing factors for withdrawing money from the deposit;
• heirs of the above categories of citizens can receive money - similar rules apply for this;
• as an additional measure of support, payment of expenses for funeral services after the death of the investor is allowed, if the death occurred in 2001-2018 - the procedure, amount and timing of such payments are determined by the federal legislator.

In addition, even for the listed categories of persons there are additional conditions. For example, the amount of preliminary and/or additional compensation for deposit balances that were previously paid under separate orders of the state will be excluded from the calculation of payments. For heirs, the amount of compensation will also be reduced by the amount of payments already received by the investor during his lifetime, as well as by the cost of reimbursed funeral services.

As stated above, the year of termination of the bank account agreement and withdrawal of funds is important. For contracts currently in force, reduction factors are not applied, but in other cases this criterion will be:

1. when closing a deposit in 1992, an indicator of 0.6 is applied;
2. at closing in 1993, the coefficient will be 0.7;
3. accordingly, for subsequent closure periods, reduction factors of 0.8 (1994), 0.9 (1995), 1.0 (1996-2018) will also be applied.

For example, if an application in 2018 is submitted by a citizen born in 1944 who closed an account in the amount of 1000 rubles in 1993, he will receive compensation in the amount of 2100 rubles (1000 x 3 x 0.7). A similar payment will be due to the heir of the specified investor.

Additional restrictions and prohibitions are related to the citizenship of the depositor, as well as the place of storage of funds. Sberbank of the Russian Federation will not pay money to persons who do not have Russian citizenship, even if they live in our country. For this category of account holders, compensation can be issued only in accordance with the norms of the national legislation of other countries of the former USSR.

If the investor is a citizen of the Russian Federation and meets the above conditions, he can count on payment of compensation. To do this, you need to submit an application to the territorial department of Sberbank of the Russian Federation at your place of residence, and also submit a number of mandatory documents (we will discuss the requirements for documents below). To calculate compensation in 2018-19, the following rules will apply:

• the base amount for calculating compensation will be the actual balance of funds as of June 20, 1991 - it is determined by the nominal value of USSR banknotes in 1991 (for example, if there is a deposit of 1000 rubles, the amount of compensation will be determined precisely from this indicator, even if additional savings were made later);
• the actual deposit amount is multiplied by 2 or 3 - depending on the age group to which the applicant belongs;
• the date of closing the deposit and withdrawal of funds is specified - if the withdrawal took place in different years, different reducing factors will be applied for individual parts of the deposit;
• based on the date of withdrawal of the deposit, a reduction factor for payment is determined;
• the final amount, with a reduction factor applied, is reduced by the amount of preliminary and/or additional compensation, as well as the cost of funeral services.

After these calculations have been made, a payment request will be sent to transfer funds to the applicant. The amount of costs for funeral services by which compensation will be reduced is 6 thousand rubles. (if the deposit amount exceeded 400 rubles), or no more than 15 times the deposit amount up to 400 rubles.

Deposit balances at Sberbank of the USSR can consist of two values. This includes an unlimited savings account balance, as well as a special account that was opened in 1991 for deposits with balances of more than 200 rubles. The opening of special accounts was carried out using protection factors against inflation and depreciation of monetary units. Due to the nature of opening such accounts, when considering a claim for compensation, these balances may be improperly excluded from the calculation. Therefore, the applicant has the right to demand that he be provided with a reasoned calculation of all amounts due. If necessary, the mistake made can be corrected in court, or through higher officials of Sberbank of the Russian Federation.

To receive funds, the depositor or his heir must submit an application to the territorial department of Sberbank of the Russian Federation where there is an active account or a previously closed deposit was placed. If a Sberbank division was liquidated or merged with another department, it is necessary to submit an application to the legal successor - such information can be obtained from any bank specialist.

The application form can be filled out directly upon application. It indicates the passport details of the depositor or his heir, as well as a list of basic data that allows you to qualify for payment. The following documents must be attached to the application:

1. general civil passport of the Russian Federation - it will be used to check the personal data of the account owner or heir, as well as Russian citizenship;
2. a written power of attorney, if another person (for example, a relative) submits the application on behalf of the investor;
3. a savings book confirming the presence of a deposit balance as of June 20, 1991 - in the absence of this document, information about the deposit will be requested from the archives of the banking institution upon application for the loss of the savings book.

If the bank deposit agreement was terminated between 1992 and 2018, you must fill out an additional application. This form will also be provided by a Sberbank specialist.

For the depositor's heir, the list of documents submitted to the bank will be significantly wider. He needs to submit:

• certificate of rights to inheritance - this document is issued through the notary office, and may provide rights to the entire inheritance, or only to part of it;
• death certificate of the depositor - this document is issued by the registry office;
• a document from the relevant department of the Ministry of Internal Affairs confirming that the investor had Russian citizenship at the time of death.

When submitting an application, you must have original copies of each document. After copies are made and certified by a specialist from Sberbank of the Russian Federation, the original documents are returned to the applicant or his representative.

The further procedure will depend on the presence or absence of a valid account or deposit with Sberbank. If such an account is valid, the amount of compensation will be reflected in the receipt. In this case, the receipt will be marked “compensation”, which automatically cancels the right to re-apply on this issue. If the deposit has been closed, an expense cash order is issued to issue funds. At the request of the applicant, the compensation payment will be issued in cash through the cash register, or transferred to another specified account.

The fact of a signature on the cash receipt order or a note in the passbook about the credited compensation means that the applicant agrees with the calculation. Therefore, before performing these actions, it is advisable to independently calculate the estimated amount, and if questions arise, immediately point out the identified error to the specialists of Sberbank of the Russian Federation. In most cases, all such disputes are resolved directly at the place of application.

If a depositor has lost a savings book and is not sure of the availability of funds in the balance, he can first clarify this information before applying for compensation. To do this, you need to contact the territorial branch of Sberbank of the Russian Federation where the account was opened. The requested information will be provided directly upon request. If the branch has been transformed or liquidated, a request to the archive may be required, which will take from several days to several weeks (depending on the conditions of succession).