In Soviet times, the phrase "Citizens, keep money in a savings bank!" was very common and was considered the standard of civic responsibility. Those who listened to this advice could be sure that they made the right choice. For a long time they were confident not only in the future, but also in the fact that nothing bad could happen to their money. During the collapse, many Sberbank depositors lost their savings due to the freezing of all accounts. Unfortunately, the state has not yet been able to fully repay its debts to the people. Therefore, after so many years, many victims are still waiting for the return of their money and are interested in how they can receive compensation for the damage suffered.
Payment procedure
At the moment, it is still ongoing for citizens of the country who made deposits before the collapse of the USSR. All accounts subject to protection and recovery under the laws of the country are gradually paid by the Savings Bank of the Russian Federation. The law on compensation to citizens for damages was adopted in 1995.
It became known that the country's budget plans to continue payments to victims of the bank's bankruptcy in 1991. Taking into account the adopted law on compensation for damage, from 2017 to 2019, consideration of applications from citizens will continue. Five million five hundred thousand rubles are allocated from the budget for each year. It is this amount that the current government has pledged to pay off the debt to the citizens of the Russian Federation in order to cover the debt left by the Sberbank of the USSR.
Regulations
Many citizens are interested in what normative acts will now be used to return financial resources from investments before 1991. All data are noted in the law on the state budget for this period. Basically, the government refers to the law that was adopted back in 1995. It is he who implies the return of the money of depositors and the protection of the state of its citizens from such problems.
Payment procedure
The order has not yet been approved by the state authorities. It is only known that there are no changes in the scheme of payments that were prescribed in the budget before. The latest changes in the legislation regarding deposits made before June 20, 1991 were made in 2009 by Resolution No. 1092. Payments will begin at the moment Sberbank of Russia receives funds from the state budget for the current year.
It is worth noting that Sberbank will not make payments again. In other words, according to the law, if a person has already received compensation in a double or triple amount, or if funeral services or other types of compensation have been paid, he cannot receive money from this deposit again and the bank is not obliged to re-return the funds to the victims.
Who can receive compensation
The most interesting issue for the population is information about who will be able to receive compensation for deposits in the coming years. This information is spelled out in the law on the state budget for the current year. Citizens of the Russian Federation will be able to receive the following amounts.
Those depositors and heirs of deposits, whose year of birth is before 1945 inclusive, are entitled to receive payments in the amount of three times the increased balance of accounts, in the state in which they were at the time of the bank's closure, that is, on 20.06.91. Compensation on deposits of Sberbank, it is considered taking into account the face value of units of banknotes at that time. The amount also depends on how long the deposit was kept in the bank. And also the amount of money that was previously received during the previous issuance of compensations and commissions is deducted from it.
Victims of a bank failure in the early 1990s who were born between 1945 and 1991, including eligible heirs, are entitled to double their account balances. Compensation for Sberbank deposits is calculated based on the face value of units of banknotes at that time. The amount also depends on how long the deposit was kept in the bank. And also the amount of money that was previously received during the previous issuance of compensations and commissions is deducted from it.
In the event of the death of the contributor
If the contributor died between 2001 and this year, heirs or people who were involved in paying for funeral services can count on compensation. They are paid compensation on Sberbank deposits, stipulated by the law of the country, to pay for funerals and other expenses. In other words, a person who dealt with funeral matters has the right to receive 6,000 rubles in compensation.
As for the heirs, they can receive payments on the deposits of citizens born before 1991. The age of the depositor in this case is not important. The main thing is that no payments have been made on this deposit before. If compensation was previously paid on Sberbank deposits to pay for funeral services, then when calculating the amount, it is not deducted from the total number of returned money.
Who cannot receive compensation
Citizens who managed to close deposits at the end of 1991 will not be able to receive payments on deposits. This category of people is not paid compensation in double and triple sizes. Also, payments are not made to people who have already received doubled and tripled balances of money. The heirs and persons who were involved in this process cannot receive compensation in the amount of six thousand rubles for ritual services again.
Calculation of the amount taking into account the face value
Payment for funeral services in the event of the death of the depositor and compensation for deposits until 1991 is paid according to the federal law of 19.12.06. in the amount of 6 thousand rubles, only if the savings book of the deceased had 400 rubles or more. If we take into account the face value of banknotes at that time, then the amount of less than 400 rubles on the book of the deceased is reimbursed to people or heirs involved in ritual expenses, in the amount of a deposit increased fifteen times.
When an application for payment of compensation for funeral services is accepted by the relevant authority, a mark is made on the submitted death certificate of the contributor. It confirms the fact of the payment of funds and prevents further fraud.
Calculation of the amount of payments, taking into account the period of storage of the deposit
Depending on how long the deposit was kept, the state calculation of subsequent payments on it is carried out. To calculate the amount of compensation, a special coefficient is used:
- For deposits that are currently valid, as well as for those accounts that were valid from 1992 to 2012 and closed from 1996 to 2015, the number of this coefficient is 1.
- For deposits that were valid between 1992 and 1994 and closed in 1995, the sum of the coefficient is 0.9.
- Deposits closed in 1994, valid for two years from 1992 - the coefficient is 0.8.
- Closed deposits in and valid a year before are subject to calculation with a coefficient of 0.7.
- If the deposit was closed in 1992, then the coefficient is 0.6.
- If the deposit is closed from 06/20/91 to 12/31/91, the coefficient is equal to zero, and the amount is not paid.
That is, if we look at an example, a person who made a deposit and was born after 1945, who closed the deposit in 1995, will be able to count on compensation for his money, doubled. This is taking into account the fact that the amount is calculated using a coefficient whose value is 0.9.
Features of receiving compensation
Given the information discussed above, it is worth paying attention to special points related to compensation payments. This will be useful to anyone who wishes to receive compensation for damages and is interested in the details of who exactly can count on compensation for the loss.
Compensation will not be available to people currently living in the country and their heirs who do not have citizenship of the Russian Federation. The budget does not provide for such expenses, and the law does not allow such payments. Also, people who live in other countries, who have foreign citizenship or do not have it at all, cannot count on payments. More detailed information can be obtained by contacting Sberbank, the hotline number is listed on the official resource.
An important point is that Russian legislation does not provide for compensation for damages to citizens of countries that were previously part of the USSR. In other words, money is issued only to those who have Russian citizenship and live here. All others must receive compensation in their own country in accordance with its laws.
It is also important that if the deposit was opened after June 20, 1991, then you should not count on any payments.
According to the law, payment of such bills is not calculated. Compensation for Sberbank deposits in 2016 was carried out according to this scheme. This year, all payments are made on the basis of changes in legislation regarding the budget distribution for the current year.
What documents are needed
You can receive compensation at the branch of Sberbank where the deposit was originally made and where it is currently located. To receive money, you must provide a certain list of documents.
For investors and their representatives, the following papers must be provided:
- Documents confirming the identity of the recipient.
- If necessary, you need a document confirming that this person is trusted to receive compensation for the deposit.
- A previously issued application for the desire to receive compensation, this must first be done at a bank branch.
- If available, then you need a Sberbank savings book.
- If not available, then an application for the loss of the passbook.
- If the deposit was closed in the period from 1992 to 2015, you need to provide a special application, which is preliminarily drawn up at the bank.
The heirs of the contributors need to collect the same documents, but with one difference: instead of confirming the power of attorney, it is necessary to provide a document on the right to inheritance, a death certificate of the contributor, as well as a certificate that the contributor at the time of death was a full-fledged citizen of the Russian Federation. Compensation for Sberbank deposits to heirs is made only if these conditions are met.
Where can I find information
All the necessary data can be clarified with Sberbank employees, including what documents are needed for compensation payments. On the bank's website there is a form for filling out an application for receiving money, you can also personally contact Sberbank. Phone and other coordinates are also on the official resource. It is worth noting that any original documents that customers provide to apply for payments must be returned by employees after completing all necessary actions with them.
What to pay attention to when designing
If the deposit is closed, this information should be displayed in the outgoing cash order. The person receiving compensation must put his signature on it. Before doing this, it is recommended to carefully read the text of the order and check the amount indicated in it. If you have questions, it is better not to receive a payment and wait for the recalculation. In this situation, you should request one of the copies of the warrant on hand. Also, the savings book of Sberbank must contain the mark "compensation" and it must be returned to the recipient upon completion of the procedure.
Compensation Formula
You can calculate the amount of the deposit yourself. To do this, you need to use the following formula: multiply the balance of the deposit as of June 20, 1991 by the compensation coefficient, multiply by the increase number, in the case of a triple return by 3, in the case of a double return by 2, respectively, and subtract the amount of previously paid compensation on this deposit.
It should be taken into account that two contributions are involved in the calculation of the amount, namely the main balance on the savings book and the amount of compensation calculated on March 1, 1991. This does not apply to people who contributed after this date.
What does additional account mean?
In view of the fact that food prices have increased due to inflation, a decree was passed to increase the amount of deposits by forty percent. More precisely, those depositors whose savings exceeded the amount of 200 rubles received an additional account, which contained funds in the amount of forty percent of the total. They could use them according to the law only after three years. If the amount was less than 200 rubles, then they could use the additional account after three months.
In the 1990s, many Sberbank depositors lost their savings due to the economic reforms being carried out at that time. However, in 2009 a decision was made to pay compensation for some of the lost deposits. What is happening today with the receipt of money on the deposits of the Sberbank of the USSR, laid down 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 a compensation payment:
- any citizen born before 1991 who had a deposit in Sberbank on June 20, 1991 and did not close it before 1992;
- the heir of the contributor (in case of death of the latter later than 2001);
- the person who paid for the burial of the contributor (again, provided that he died after 2001).
Important! Compensation payments are provided exclusively to citizens of the Russian Federation. Citizens 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 the Sberbank branch. Naturally, it can be quite difficult to find the branch where the deposit was opened or closed in Sberbank in 1992 - it can be located in another city or country, or even be closed. But it is not important. You can contact any office that is convenient for you. The package of necessary documents that you need to provide to the bank will depend on your situation.
- If you were a depositor 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 contributor, 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 registering an inheritance after a deceased relative, in the absence of a will, it is worth ordering from the Sberbank a search for all the deposits he had, as well as requesting information about the compensation received on them. This will make further processing easier.
Can everything be done online?
Compensation for deposits of Sberbank in 1992 can only be provided upon an application certified by your signature. You can make a preliminary application in the personal account of the Sberbank Online @ yn 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 it 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 Sber website and in the "Deposits" column, find the "Deposit compensation" item. Having entered 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 its validity period, 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 a 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 refund on lost deposits, its amount will be deducted from the total amount.
The formula with coefficients is only suitable directly for investors. Their heirs can claim to receive compensation from the bank for funeral expenses in the amount of 6,000 rubles, provided that the deposit of the testator was at least 400 rubles. This amount is paid regardless of whether the depositor received compensation for lost deposits during his lifetime or not. For deposits of 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 transfer to the account specified in the application.
Today, they still continue to pay compensation for deposits that were made during the Soviet period in Sberbank. To do this, you must meet a number of requirements and apply with the relevant documents to one of the branches of Sberbank of the Russian Federation. How are payments to affected depositors made this year?
Payment procedure
If you are entitled to compensation on deposits, there is no need to contact the same branch where the account was once opened. This is due to the fact that today not all branches that were at the old addresses of the former USSR have been preserved. And many depositors also changed their place of residence.
Submit the necessary documents to any structural unit of Sberbank. It is important to contact the branch where the money will be transferred. This is done specifically for the convenience of depositors and their legal representatives.
You can contact 17 territorial banks, each of which has several branches. This financial network consists of 19,000 units located throughout the country. In some cases, a small commission is charged for transferring payout amounts from one branch to another.
When applying to the bank, you must fill out an application of the established form for compensation. For this, not only a passport is presented, but also a passbook of the Sberbank of the USSR. If it is not, an application for restoration is written.
The heirs must submit additional documents. Their content is determined by the specific situation.
The list may include the following documents:
- testamentary order,
- notarial certificate of the right to inheritance (if there was no will),
- testamentary certificate.
Note! If you are a user of the remote service "Sberbank Online @ yn", the application can be filled out in your personal account in electronic form. But documents are presented personally only with a handwritten signature.
Who is supposed to
The return of deposits is subject to the condition that the account was opened before June 20, 1991 and was valid on that date.
The following customers are eligible for compensation:
- investors born before 1991,
- heirs born before 1991,
- persons who paid for funeral services in the event of the death of the depositor in the period from 2001 to 2018.
Note! In the latter case, compensation in the amount of 6,000 rubles is paid.
The amount of return is determined by the age of the client and the validity period of his deposit:
- Those born before 1945 inclusive are entitled to three times the amount of the balance of the deposit.
- Those born in the period from 1946 to 1991 are entitled to compensation in the double amount of the balance.
If a partial refund was received in advance, the double or triple refund is reduced by this amount.
Note! Accounts closed between June 20 and December 31, 1991 are not eligible for double and triple compensation.
There are certain coefficients that depend on the period of storage of deposits. They affect the amount of the final payment. For calculation, you can go to the official website of Sberbank of the Russian Federation.
Documentation
Certain documents are required to receive compensation. Their list depends on who provides them - the contributor or the heir.
The investor must submit the following documents:
- your civil passport,
- savings book on the current deposit,
The heir submits the following documents:
- your civil passport,
- inheritance document,
- depositor's death certificate,
- statement of the established form.
Video: Payment procedure
Calculation of the amount of compensation for the deposit
The final amount of debt for payment is determined by the year of birth of the owner and the date of closing the deposit. The amount is determined as follows: the cash balance on the deposit account increases by two different coefficients and decreases by the amount that was previously paid as a preliminary compensation.
One coefficient is equal to the number "2" for those investors who were born from 1946 to 1991. And the coefficient "3" is assigned to those who were born before 1946.
There are also the following sizes of the increasing multiplier:
The website of Sberbank of Russia contains a calculator that can be used to calculate the amount of the depositor's compensation.
But this calculation will be only approximate. To find out the exact cost, you need to contact one of the branches of Sberbank. Here all the features and difficult moments will be taken into account. If necessary, they will restore expenditure transactions that have been for all these years.
The deposit was closed in 1995. Those born before 1945 receive a balance payment of three times the amount with a coefficient of 0.9. As a result, the amount of payment is 2700 rubles.
Thus, the heir or contributor will receive the amount of 2,700 rubles if there have been no other payments up to this point. If payments were made, the final amount will be much less.
Often the heir may not know about all the contributions of his testator. He does not always know about the previously received payments on the deposit. For this reason, Sberbank performs an accurate verification of information in each specific case.
Formula for 3 times the amount of payment for 1948 b. inclusive
The following formula is used to determine the triple amount of compensation:
(Oν x Kk x 3) - Rk
- Kk - compensation coefficient,
2x payout formula from 1946-1991 R.
To determine the double amount of compensation, the following formula is used:
(Oν x Kk x 3) - Rk
In this case, the designations of the formula are deciphered as follows:
- Oν – deposit balance as of 06/20/1991,
- Kk - compensation coefficient,
- Rk is the amount of previously received compensation.
Compensation of deposits of Sberbank in 1992 in 2018
To consider the issue of calculating compensation for a deposit that was closed between 1992 and 2018, you need to contact one of the structural divisions of the bank at the location of the deposit.
You can also contact the structural unit of the bank to which the depositor plans to transfer the amount of compensation. You can apply for compensation here.
Who is not paid
It is important to keep in mind that compensation is not always paid.
Compensation will not be paid to the heir or contributor in the following cases:
- If the deposit was opened starting from 06/20/1991,
- If the deposit was closed in the period 06/20/1991-12/31/1991,
- If earlier the compensation on the deposit was paid in full,
- If the deceased contributor does not have an heir before 1991,
- If the heir of a citizen of the Russian Federation is not a citizen of Russia,
- If the deposit does not belong to a citizen of the Russian Federation.
Payments to the heirs of the deceased investor
In 2018, the heirs of the deceased depositor also receive payments on deposits. But one condition must be met, according to which the depositor must be a citizen of the Russian Federation on the day of death.
Payments are made as follows:
- Threefold compensation in the amount of the balance of the deposit as of 06/20/1991 is paid to persons born before 1945;
- Double compensation is paid in the amount of the balance of the deposit as of 06/20/1991 to persons born in 1946 to 1991.
The amounts of these compensations are determined by the terms of deposit storage. They are reduced by the amount of funds that were previously received. They are also reduced by the amount of additional compensation.
If the deposit was closed in the period from June 20, 1991 to December 31, 1991, the possibility of paying out in double and triple amounts does not apply. If the contributor, who is a citizen of the Russian Federation, died between 2001 and 2018, his heir receives payment for funeral services.
A payment is also made to an individual who paid for these services, but is not an heir.
The amount of this compensation is determined by the balance of the deposit as of June 20, 1991, but cannot exceed 6,000 rubles.
Thus, if you meet the criteria for paying compensation for Soviet deposits, you can receive it under certain conditions. The main thing is to submit the necessary documents and make the necessary calculations. Only then can you receive the payment that is due by law.
Compensation paid on deposits of citizens of the Russian Federation opened with PJSC Sberbank before 06/20/1991 and valid as of 06/20/1991.
Compensation not paid:
For deposits opened on 06/20/1991 and later;
- on deposits closed in the period from June 20, 1991 to December 31, 1991;
- on deposits for which compensation has been paid in full.
- Who is compensated in 2019?
In 2019, compensation payments on deposits valid as of 06/20/1991 are made:
Depositors-citizens of the Russian Federation born in 1991 inclusive;
- heirs-citizens of the Russian Federation born in 1991 inclusive of deposits of depositors-citizens of the Russian Federation;
- to heirs or individuals who paid for funeral services in the event of the death in 2001-2019 of a contributor who is a citizen of the Russian Federation.
- What funds are used to make compensation payments on deposits that were in effect on 06/20/1991?
Funds for payment of compensations for deposits valid on 06/20/1991 are allocated from the federal budget of the Russian Federation.
- In 2010, I received compensation on deposits. Can I get compensation in 2019?
No you can not.
In accordance with paragraph 6 of the Decree of the Government of the Russian Federation No. 1092 dated 12/25/2009, in case of receipt of compensation on deposits, repeated payments are not made earlier.
- Is it possible to receive compensation in 2019 for a targeted deposit for children opened with Sberbank in the 1980s-1990s? To whom is compensation paid for the targeted contribution for children? What documents must be presented to receive compensation?
Compensation for a targeted deposit for children opened with Sberbank can be received if the deposit meets the general conditions for the procedure for making compensation payments on deposits in 2019:
The deposit was open until 06/20/1991,
- the deposit was valid as of 06/20/1991,
- the deposit was not closed in the period from 06/20/1991 to 12/31/1991.
For targeted deposits for children, compensation is paid to citizens of the Russian Federation born in 1991. inclusive in the generally established order:
For current deposits - to the investor,
- for closed deposits – to the person who closed the deposit.
In order to receive compensation for the children's target deposit, the depositor / person who closed the deposit must present:
Compensation payments to INVESTORS
- What compensation is paid in 2019 to INVESTORS? What is the amount of this compensation?
For depositors-citizens of the Russian Federation:
- 1946 - 1991 years of birth
- What documents must be presented to the INVESTOR to receive compensation?
In order to receive a 2-fold or 3-fold compensation, a depositor-citizen of the Russian Federation must present:
Identification document;
- savings book (if the deposit is valid).
The depositor must apply for compensation.
- The DEPOSITOR cannot personally apply for compensation. What is the procedure for payment of compensation in this case?
If a depositor who is a citizen of the Russian Federation cannot personally apply to the bank, then compensation can be paid to the depositor's trustee.
In order to receive a 2-fold or 3-fold compensation, the authorized representative of the INVESTOR must present:
Identification document;
- a power of attorney with the right to receive compensation;
Issued for this deposit in a structural unit of PJSC Sberbank;
- certified in accordance with Art. 185.1 of the Civil Code of the Russian Federation notarized (equivalent to notarized).
For a closed deposit, compensation is issued on the basis of a power of attorney certified by a notary (equivalent to a notarized one).
The authorized person draws up an appropriate application for compensation.
- How can I receive compensation if the deposit is closed and the DEPOSTER cannot present the savings book?
To consider the issue of accruing compensation on a deposit closed in 1992-2019, the depositor must contact the structural unit of the bank at the place where the deposit is kept (or the structural unit of the bank to which he wants to transfer the amount of compensation) and fill out an appropriate application for compensation.
For deposits closed in the period from June 20, 1991 to December 31, 1991, payment of compensation in 2-fold and 3-fold amounts of the balance of deposits is not carried out.
- How to get compensation if the passbook on the current deposit is lost?
The depositor needs to apply to the structural unit of the bank at the place where the deposit was opened, file an application for the loss of the passbook and an application for compensation.
- The depositor lives outside the Russian Federation, but has a deposit that was valid for 20 June 1991. Can he get compensation?
To a depositor residing outside the Russian Federation, but who is a citizen of the Russian Federation, compensation is paid in the prescribed manner.
A depositor residing outside the Russian Federation, but who is a foreign citizen or a stateless person, is not compensated.
- The formula for calculating compensation in 3 times the amount of the balance of deposits for INVESTORS born in 1945 inclusive.
Compensation in the 3-fold amount of the balance of deposits is paid to depositors-citizens of the Russian Federation up to and including the year of birth 1945.
The amount of 3-fold compensation is calculated based on the balance of the deposit as of 06/20/1991 and the period of its storage, using the following coefficients:
For deposits closed in the period from June 20, 1991 to December 31, 1991, payment of compensation in the 3-fold amount of the balance of deposits is not carried out.
The amount of 3-fold compensation is reduced by the amount of previously received compensation payments.
The amount of 3-fold compensation is determined by the formula:
(O ν × K k × 3) - R k
3 is the number three.
- The formula for calculating compensation in 2-fold the amount of the balance of deposits for DEPOSITORS 1946-1991. birth.
Compensation in the 2-fold amount of the balance of deposits is paid to depositors who are citizens of the Russian Federation born in 1946-1991.
The amount of 2-fold compensation is calculated based on the balance of the deposit as of 06/20/1991 and the period of its storage, using the following coefficients:
1 - for current deposits;
1 - for deposits closed in 1996 - 2019;
0.9 - for deposits closed in 1995;
0.8 - for deposits closed in 1994;
0.7 - for deposits closed in 1993;
0.6 - for deposits closed in 1992.
For deposits closed in the period from June 20, 1991 to December 31, 1991, payment of compensation in the 2-fold amount of the balance of deposits is not carried out.
The amount of 2-fold compensation is reduced by the amount of previously received compensation payments.
The amount of 2-fold compensation is determined by the formula:
(O ν × K k × 2) - R k
O ν is the balance of the deposit as of June 20, 1991,
K k - compensation coefficient,
R k - the amount of previously received compensation,
2 is the number two.
- What amount of compensation will be received by the DEPOSITOR born in 1945 inclusive, if in 2010 he received compensation in a 3-fold amount? The deposit is valid (there is a passbook). The balance of the deposit as of 06/20/1991 is 2000 rubles.
In accordance with clause 6 of Decree of the Government of the Russian Federation No. 1092 dated December 25, 2009, in case of receipt of compensation on deposits, repeated payments are not made earlier.
- What amount of compensation will be received by the DEPOSITOR by the year of birth 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit is valid (there is a passbook). The investor has not previously received compensation.
Since the depositor has not previously applied for compensation, the amount of 3-fold compensation payable to the depositor will be 6,000 rubles.
- What amount of compensation will be received by the DEPOSITOR by the year of birth 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in November 1991 (no passbook).
- What amount of compensation will be received by the DEPOSITOR by the year of birth 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1992 (no passbook). The depositor has not previously received compensation.
Depositors-citizens of the Russian Federation born in 1945 inclusive are entitled to receive compensation in 2019 in the amount of 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation payable to the depositor will be 3,600 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.6 * 3 \u003d 3600 rubles.
- What amount of compensation will be received by the DEPOSITOR by the year of birth 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1993 (no passbook). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation born in 1945 inclusive are entitled to receive compensation in 2019 in the amount of 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation payable to the depositor will be 4,200 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.7 * 3 \u003d 4200 rubles.
- What amount of compensation will be received by the DEPOSITOR by the year of birth 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1994 (no passbook). The investor has not previously received compensation.
Since the depositor has not previously received compensation, the amount of 3-fold compensation payable to the depositor will be 4,800 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.8 * 3 \u003d 4800 rubles.
- What amount of compensation will be received by the DEPOSITOR by the year of birth 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1995 (no passbook). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation born in 1945 inclusive are entitled to receive compensation in 2019 in the amount of 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation payable to the depositor will be 5,400 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.9 * 3 \u003d 5400 rubles.
- What amount of compensation will be received by the DEPOSITOR by the year of birth 1945 inclusive, if the balance of the deposit as of 20.06.1991 is 2000 rubles? The deposit was closed in 1996-2019. (passbook missing). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation born in 1945 inclusive are entitled to receive compensation in 2019 in the amount of 3 times the balance of the deposit as of June 20, 1991.
Since the depositor has not previously received compensation, the amount of 3-fold compensation to be paid to the depositor will be 6,000 rubles.
The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 1 * 3 = 6000 rubles.
- What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the balance of the deposit as of 06/20/1991 is 800 rubles? The deposit is valid (there is a passbook). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation 1946-1991 births are entitled to receive compensation in 2019 in the amount of 2 times the balance of the contribution as of June 20, 1991.
The compensation coefficient for the current deposit is 1.
- What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the balance of the deposit as of 06/20/1991 is 800 rubles? The deposit was closed in December 1991 (no passbook).
In accordance with Decree of the Government of the Russian Federation No. 1092 of December 25, 2009, no compensation is paid for deposits closed between June 20, 1991 and December 31, 1991.
- What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the balance of the deposit as of 06/20/1991 is 800 rubles? The deposit was closed in 1992 (no passbook). The investor has not previously received compensation.
The compensation coefficient for a deposit closed in 1992 is 0.6.
Since the depositor has not previously received compensation, the amount of 2-fold compensation payable to the depositor will be 960 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.6 * 2 \u003d 960 rubles.
- What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the balance of the deposit as of 06/20/1991 is 800 rubles? The deposit was closed in 1993 (no passbook). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the balance of the contribution as of June 20, 1991.
The compensation coefficient for a deposit closed in 1993 is 0.7.
Since the depositor has not previously received compensation, the amount of 2-fold compensation payable to the depositor will be 1,120 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.7 * 2 \u003d 1120 rubles.
- What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the balance of the deposit as of 06/20/1991 is 800 rubles? The deposit was closed in 1994 (no passbook). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the balance of the contribution as of June 20, 1991.
The compensation coefficient for a deposit closed in 1994 is 0.8.
Since the depositor has not previously received compensation, the amount of 2-fold compensation payable to the depositor will be 1280 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.8 * 2 \u003d 1280 rubles.
- What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the balance of the deposit as of 06/20/1991 is 800 rubles? The deposit was closed in 1995 (no passbook). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the balance of the contribution as of June 20, 1991.
The compensation coefficient for a deposit closed in 1995 is 0.9.
Since the depositor has not previously received compensation, the amount of 2-fold compensation payable to the depositor will be 1,440 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.9 * 2 \u003d 1440 rubles.
- What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the balance of the deposit as of 06/20/1991 is 800 rubles? The deposit was closed in 1996-2019. (passbook missing). The investor has not previously received compensation.
Depositors-citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the balance of the contribution as of June 20, 1991.
The compensation coefficient for a deposit closed in 1996-2019 is 1.
Since the depositor has not previously received compensation, the amount of 2-fold compensation payable to the depositor will be 1,600 rubles.
The amount of compensation for this deposit is calculated as follows: 800 rubles. * 1 * 2 = 1600 rubles.
Compensation payments to the HEIRS of the deceased investor
- What compensation is paid in 2019 to the HEIRS of the deceased depositor? What is the amount of this compensation?
In 2019, compensation payments on deposits are made to the heirs of the deceased depositor, provided that the depositor was a citizen of the Russian Federation on the day of death.
To heirs-citizens of the Russian Federation:
- up to and including 1945 compensation is paid in 3-fold amount of the balance of deposits as of 06/20/1991 (based on the nominal value of banknotes in 1991);
- 1946 - 1991 years of birth compensation is paid in 2-fold amount of the balance of deposits as of 06/20/1991 (based on the face value of banknotes in 1991).
The amounts of these compensations depend on the period of deposit storage and are reduced by the amount of previously received preliminary compensation (compensation) and additional compensation.
For deposits closed in the period from June 20, 1991 to December 31, 1991, payment of compensation in 2-fold and 3-fold amounts of the balance of deposits is not carried out.
If a contributor who is a citizen of the Russian Federation died in 2001–2019, then his heirs or individuals who paid for funeral services are paid compensation for paying for funeral services.
The amount of compensation for paying for funeral services depends on the balance of deposits as of 06/20/1991 and cannot exceed 6,000 rubles.
- How is compensation calculated in 2-fold and 3-fold amount of the balance of deposits for payment to the HEIR?
In 2019, the heirs of the deceased depositor are paid compensation in the amount of 2-fold or 3-fold the amount of the balance of deposits, provided that the depositor was a citizen of the Russian Federation on the day of death and the heir is a citizen of the Russian Federation.
The amount of 2-fold or 3-fold compensation payable to the heir on the contribution of the deceased depositor depends on:
Year of birth of the HEIR;
- deposit storage period (deposit closed or active);
- the hereditary share of the HEIR;
- amounts of previously paid compensations.
To determine the amount of compensation due to the heir on the deposit of the deceased depositor, you must contact the structural unit at the place where the deposit is stored.
- The contribution is NOT bequeathed. What documents must be presented to the HEIR of the deceased depositor in order to receive compensation for this deposit?
Identification document;
- a document confirming the inheritance right;
- According to the deposit, a testamentary disposition was drawn up in the bank. What documents must be presented to the HEIR of the deceased depositor in order to receive compensation for this deposit?
If the testamentary disposition on the deposit was drawn up at the bank before March 01, 2002*, payment of compensation to heirs-citizens of the Russian Federation is made upon presentation of:
If the testamentary disposition on the deposit was drawn up at the bank on March 01, 2002 or later* - payment of compensation to heirs-citizens of the Russian Federation is made upon presentation of:
Identification document;
- death certificate of the depositor;
- savings book (if the deposit is valid);
- a document confirming that the depositor was a citizen of the Russian Federation on the date of death (if necessary).
The heir draws up an application for compensation.
* in connection with the entry into force of the third part of the Civil Code of the Russian Federation (Federal Law No. 147-FZ of November 26, 2001 “On the entry into force of the third part of the Civil Code of the Russian Federation”)
- The contribution is bequeathed by a notary. What documents must be presented to the HEIR of the deceased depositor in order to receive compensation?
In order to receive compensation for the contribution of the deceased depositor, the heir-citizen of the Russian Federation must present:
Identification document;
- certificate of the right to inheritance by will;
- death certificate of the depositor;
- savings book (if the deposit is valid).
The heir draws up an application for compensation.
- The HEIR cannot personally apply for compensation for the contribution of the deceased depositor. In what order is compensation paid in this case?
If the heir who is a citizen of the Russian Federation cannot personally apply to the bank, then compensation can be paid to the Trustee of the heir.
In order to receive compensation, the authorized representative of the heir must present:
Identification document;
- power of attorney from the heir with the right to receive compensation;
- a document confirming the succession right of the heir to the contribution of the deceased depositor;
- a document confirming that the depositor was a citizen of the Russian Federation on the date of death (if necessary);
- a document confirming that the heir is a citizen of the Russian Federation (if necessary);
- death certificate of the depositor;
- a savings book in the name of the depositor (for the current deposit).
For the current deposit, compensation is issued on the basis of a power of attorney:
- issued for this deposit in a structural unit of PJSC Sberbank;
- certified in accordance with Article 185.1 of the Civil Code of the Russian Federation:
Notarized;
The administration of the inpatient medical institution in which the heir is being treated;
The organization in which the heir works or studies.
For a closed deposit, compensation is issued on the basis of a power of attorney certified by a notary.
The trustee of the heir draws up an application for compensation.
- How much compensation will the HEIR receive up to and including 1945? Contributor born in 1975 a citizen of Russian Federation. The contributor died in 2019. Deposit with a balance on 06/20/1991 - 1500 rubles. The deposit is valid (there is a passbook). The heir is entitled to the entire contribution (one heir). The depositor did not receive compensation during his lifetime.
Heirs-citizens of the Russian Federation up to and including 1945 in 2019 are entitled to receive compensation in the amount of 3 times the balance of the deposit as of June 20, 1991, regardless of the year of birth of the deceased depositor.
The compensation coefficient for the current deposit is 1.
Since no compensation was previously paid on the deposit and the entire deposit is due to the heir, the amount of compensation due to be paid to the heir will be 4,500 rubles.
The amount of compensation for this deposit is calculated as follows: 1500 rubles. * 1 * 3 = 4500 rubles.
- How much compensation will the HEIR 1946-1991 receive? birth? Contributor born in 1940 a citizen of Russian Federation. The contributor died in 2019. Deposit with a balance on 06/20/1991 - 900 rubles. The deposit is valid (there is a passbook). The heir is entitled to the entire contribution (one heir). The depositor did not receive compensation during his lifetime.
Heirs-citizens of the Russian Federation 1946-1991 born in 2019 are entitled to receive compensation in the amount of 2 times the balance of the deposit as of June 20, 1991, regardless of the year of birth of the deceased depositor.
The compensation coefficient for the current deposit is 1.
Since no compensation was previously paid on the deposit and the entire deposit is due to the heir, the amount of compensation due to be paid to the heir will be 1,800 rubles.
The amount of compensation for this deposit is calculated as follows: 900 rubles. * 1 * 2 = 1800 rubles.
- How can I confirm the citizenship of a deceased person in order to receive compensation on a deposit?
As documents confirming the citizenship of the testator, the following can be accepted:
Certificate of the housing maintenance organization on the registration of a citizen at his place of residence;
- certificate from the place of work of the deceased about his place of residence;
- extract from the house book;
- other references.
These certificates are accepted only if they indicate citizenship and / or an identity document of the testator (passport of a citizen of the Russian Federation, insert to the passport of the USSR, indicating the presence of citizenship of the Russian Federation).
If it is necessary to establish the citizenship of the Russian Federation of the depositor, individuals (heirs of the depositors) can apply on this issue to the passport and visa service at the last place of residence of the depositor on the territory of the Russian Federation.
- The heir has dual citizenship (one of them is Russian). Is it possible to pay compensation to this heir?
Yes, compensation is paid upon presentation of:
A document confirming the citizenship of the Russian Federation;
- a document confirming the inheritance right;
- death certificate of the depositor;
- savings book (if the deposit is valid);
- a document confirming that the depositor was a citizen of the Russian Federation on the date of death (if necessary).
The beneficiary must complete the appropriate application.
- Can grandchildren receive compensation for their deposit if the depositor-grandmother and her heirs have died? What documents are needed?
Yes, they can upon presentation:
Identification document;
- a document confirming the inheritance right to the grandmother's deposits;
- grandmother's death certificate;
- savings book (if the deposit is valid);
- a document confirming that the grandmother on the date of death was a citizen of the Russian Federation (if necessary).
An appropriate application must be made.
- Mom had an open deposit in Sberbank until 06/20/1991, after her death, dad entered into the inheritance. He also died, the daughter has not yet entered into the inheritance. Can a daughter receive compensation for the mother's contribution?
The daughter will be able to receive compensation after entering into the inheritance, since compensation for deposits is paid to heirs only upon presentation of documents confirming inheritance rights. In this case, the amount of compensation will be reduced by the amount of compensation paid during the lifetime of mom and dad.
Compensation for the payment of RITUAL services in the event of the death of the depositor in 2001-2019
- Who can receive compensation for the payment of RITUAL services in the event of the death of the depositor in 2001-2019?
Compensation for the payment of funeral services in the event of the death of an investor-citizen of the Russian Federation in 2001-2019 is paid:
Contributor's heirs;
- or to individuals who paid for funeral services (before the expiration of 6 months from the date of opening the inheritance).
The heir of the depositor or an individual may be citizens of the Russian Federation or foreign citizens or stateless persons.
- What documents must be presented to the HEIR of a contributor who died in 2001-2019 in order to receive compensation for paying for funeral services in 2001-2019?
In order to receive compensation for paying for funeral services on the deposit of a contributor who died in 2001-2019, the heir must present:
Identification document;
- death certificate of the depositor;
- a document confirming the inheritance right (if necessary);
- savings book (if the deposit is valid);
- a document confirming that the depositor was a citizen of the Russian Federation on the date of death (if necessary).
The heir draws up an application for compensation.
- Can an individual who is not an heir receive compensation for the payment of RITUAL services?
Compensation for the payment of funeral services in the event of the death of a contributor who is a citizen of the Russian Federation in 2001-2019 can be paid to individuals who paid for funeral services on the basis of a notary’s decision (before 6 months from the date of opening of the inheritance), as well as upon presentation of a passport and certificate of death of the owner of the deposits.
- Which branch of the bank, in order to receive compensation for the payment of FUNERAL SERVICES, should an individual who has a notary's decision on reimbursement of expenses for paying for funeral services apply to?
In the event of the death of a depositor in 2001-2019, an individual who is not an heir, but who paid for funeral services, can apply for compensation for payment of funeral services to any internal structural unit of the bank region at the place of storage of deposits of the deceased depositor and present an identity document, a notary's decision and a death certificate of the owner of the deposit.
An application for compensation is made.
- Can the HEIR of a contributor who died in 2001-2019 receive an additional payment of compensation for paying for funeral services?
Additional payment of compensation for the payment of funeral services in the event of the death of the contributor - a citizen of the Russian Federation who died in 2001-2019, can be made to the heir of the contributor who received part of the compensation for the payment of funeral services, if they present documents confirming his inheritance right to the unpaid part of the compensation to pay for funeral services.
The heirs who have received compensation for the payment of funeral services in the amount due to them (depending on the balance of deposits as of 06/20/1991) are not repaid the said compensation.
Additional payment of compensation for the payment of funeral services on the deposit of a contributor who died in 2001-2019 can be made upon presentation of:
Identification document of the heir;
- death certificate of the depositor;
- savings book (if the deposit is valid);
- by the heir - the surviving spouse who applied for compensation for the payment of ritual services - a certificate of ownership for ½ of the contribution;
- an heir who has presented a certificate of the right to inheritance for ½ of the contribution, - a certificate of ownership of the second part of the contribution, or information about the heirs to the second part of the contribution must be indicated in the certificate of inheritance / certificate of ownership.
The heir must submit a relevant application to the Bank.
- How is the amount of compensation for the payment of RITUAL services calculated?
Compensation for the payment of funeral services is paid to the heirs or individuals who paid for the funeral services in the event of the death of the contributor in 2001-2019:
In the amount of 6 thousand rubles, if the amount of the contributions of the deceased owner, indicated in the application for compensation, is equal to or exceeds 400 rubles. (based on the nominal value of banknotes in 1991);
In an amount equal to the sum of the contributions of the deceased owner, specified in the application, multiplied by a factor of 15, if the amount of deposits is less than 400 rubles. (based on the nominal value of banknotes in 1991).
The depositor died in 2019. The balance of deposits as of 06/20/1991 is 1000 rubles. One heir. To pay for funeral services, the heir will be paid 6,000 rubles.
The depositor died in 2019. The balance of deposits as of June 20, 1991 is 300 rubles. One heir. To pay for funeral services, the heir will be paid 4,500 rubles. (300 rubles x 15 = 4500 rubles)
Other matters
- Deposit in another city. How to get compensation? What documents are used to transfer compensation? Is the transfer of the compensation amount to another structural unit of the bank a paid service?
In this case, the depositor (heir) needs to contact any structural unit of Sberbank and fill out a corresponding application for transfer (f. 143), providing the documents necessary to receive compensation (including a savings book, if any).
When transferring the amount of compensation accrued on the current deposit, a fee is charged in the amount determined by the Bank's tariffs for money transfers.
When transferring compensation on a closed deposit, no commission is charged for this operation.
- Why is compensation only paid on savings made before June 20, 1991?
On July 13, 1990, by the Decree of the Supreme Council of the RSFSR "On the State Bank of the RSFSR and Banks on the Territory of the Republic", the Russian Republican Bank of the Savings Bank of the USSR was transformed into the Sberbank of the RSFSR and declared the property of the RSFSR.
On June 20, 1991, the Bank of Russia registered the charter of Sberbank of Russia as a joint-stock commercial bank.
In accordance with the Federal Law "On the restoration and protection of savings of citizens of the Russian Federation" No. 73-FZ dated May 10, 1995, deposits opened with the Sberbank of Russia before June 20, 1991 are recognized as government internal debt.
Therefore, they are subject to compensation from the federal budget of the Russian Federation.
- Why is 2-fold and 3-fold compensation not paid in 2019 on deposits closed between 06/20/1991 and 12/31/1991?
Decree of the Government of the Russian Federation of December 25, 2009 No. 1092 approved the Rules for the implementation in 2010-2019 of compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation.
According to the above Rules, in 2019, for deposits closed in the period from June 20, 1991 to December 31, 1991, payment of compensation in 2-fold and 3-fold amounts of the balance of deposits is not carried out.
- What compensation is paid for deposits closed between June 20 and December 31, 1991?
For deposits closed in the period from June 20 to December 31, 1991, only compensation is paid for funeral services in the event of the death of the owner of the deposit in 2001-2019. heirs or individuals who paid for funeral services. Compensation for funeral services is paid on the condition that the owner of the deposit on the day of death was a citizen of the Russian Federation.
- What compensation can foreign citizens receive?
Depositors - foreign citizens in 2019 are not paid compensation.
Heirs - foreign citizens can receive compensation for the payment of funeral services on the deposits of depositors who died in 2001-2019. Provided that the contributor on the day of death was a citizen of the Russian Federation and earlier compensation for funeral services was not paid.
Contributors or heirs born before 1991 inclusive, who have dual citizenship (one of which is the citizenship of the Russian Federation), are entitled to receive compensation in the amount of 2-fold or 3-fold the balance of deposits in the generally established manner upon presentation of documents confirming the citizenship of the Russian Federation.
- The deposit was opened in 1990 by the depositor (Ivanov) in the name of the depositor (Petrov). The contributor (Petrov) did not claim his rights to this contribution. Does the contributor (Ivanov) have the right to receive compensation?
In the event that on a deposit in favor of a third party opened by the depositor before June 20, 1991, the depositor did not express in any way the intention to exercise his rights (that is, there is no specimen of the depositor's signature; debit transactions were not performed (with the exception of the operation to pay compensation to the depositor) ; a will or power of attorney drawn up outside the GSP is not presented; the funds were received only from the contributor, an application for the loss of the savings book was not issued), then, taking into account Article 842 of the Civil Code of the Russian Federation, compensation can be paid to the contributor, provided that he refers to category of citizens entitled to receive it.
- Is compensation paid on deposits opened before 06/20/1991 on the territory of the republics that were part of the former USSR?
The procedure for payment of deposits, including compensations, made on the territory of the states that were previously part of the former USSR, is regulated by the legislative acts of the respective states.
For questions related to deposits opened outside the Russian Federation, you should contact the Bank-successor of debt obligations located on the territory of the respective state. The list of banks and their addresses can be found on the bank's website in the section "Private clients" - "Deposits" - "Deposit compensation" -.
- How long does it take to compensate for "burnt" savings?
The first compensation was made in 1991 in accordance with Presidential Decree No. 1708 of March 22, 1991. All deposits valid on March 1, 1991 were subject to compensation. The amount of compensation amounted to 40% of the balance of the deposit as of 03/01/1991.
In accordance with Presidential Decree No. 327 dated February 17, 1994, the next one-time compensation was made in 1994 in a threefold amount of the balance of deposits as of January 01, 1992.
Starting from 06/10/1996, the state conducts a phased compensation of deposits as of June 20, 1991. With can be found on the bank's website in the section "Private clients" - "Deposits" - "Compensation on deposits" - "History of payment of compensation on deposits".
- It was announced about the payment of double and triple compensation on deposits. Why was I paid less?
In accordance with Government Decree No. 1092 of December 25, 2009, the amount of compensation payable in 2019 is reduced by the amount of previously received compensation amounts.
- Is it obligatory to apply for compensation to the VSP at the place where the deposit was opened?
To receive compensation on deposits, you can contact any structural unit of Sberbank PJSC that carries out transactions with deposits of individuals and fill out a corresponding application.
- The depositor received compensation, but does not agree with the amount of compensation. What to do?
Use for depositors on the site (in the section "Private clients" - "Deposits" - "Compensation for deposits") to calculate the amount of compensation.
On the bank's website www.site through the "Feedback" draw up an appeal on disagreement with the amount of the accrued compensation. Get a unique case number.
You can also contact any structural unit of Sberbank with a passport and submit a written statement of disagreement with the amount of compensation accrued. The depositor must be informed of the number of the registered appeal.
Compensation in the broadest sense is restitution. The Russian Federation, having assumed all the obligations of the USSR after its collapse in December 1991, undertook to pay compensation to its citizens for the money lost on the deposits of the then only USSR Savings Bank in the state.
Sberbank of the Russian Federation was entrusted with the obligation to pay money to affected citizens who would apply to this institution with an application for compensation.
To whom are compensations paid for the debts of the Sberbank of the USSR?
The payment of money continues for many years according to a special scheme, which depends on the year of birth of the citizens applying for it. The legal basis is that deposits on USSR passbooks are recognized by the state as guaranteed savings, as set out in Federal Law No. 73-FZ “On the restoration and protection of savings of citizens of the Russian Federation” dated May 10, 1995.
The procedure for issuing compensations was developed in the 90s, then supplemented and detailed in Decree of the Government of the Russian Federation No. 1092 “On the procedure for making compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation in 2010-2018” dated December 25, 2009. By Decree of the Government of the Russian Federation of December 22, 2016 N 1435, it was extended for 2017, and a corresponding Decree will be issued this year.
According to these documents, citizens of the Russian Federation who had an open deposit in the Sberbank of the USSR before June 20, 1991 have a general right to compensation for lost deposits.
If a citizen opened a deposit on June 20 or later, or closed a deposit from June 20 to December 31, 1991, then he is not entitled to compensation. Those who have already received compensation within the framework of this state program will not receive money either - re-participation in it is not provided.
In 2018, it was the turn to receive compensation for the last line of depositors - those who were born in 1991. For example, a contribution to the USSR could also be opened for a baby.
Also, those citizens born in 1991 who inherited a lost deposit on the USSR passbook, opened before June 20, 1991, have the right to compensation.
Those heirs or individuals who paid for the funeral services of a deceased depositor of the USSR Sberbank in the period from 2001 to 2018 are also entitled to receive compensation. These people will be paid 6,000 rubles if the USSR passbook had an amount of 400 rubles or more. If the account did not reach 400 years, then the amount of the payment will be multiplied by 15. Note that the amount of compensation for paying for ritual services is determined by federal law N 238-FZ of December 19, 2006.
The safety of deposits on the passbook of the USSR was guaranteed by the Soviet state
Where does the money come from to pay compensation in 2018 and beyond? On December 5, 2017, Federal Law No. 362 “On the federal budget for 2018 and for the planning period of 2019 and 2020” was adopted. It states that the state has budgeted five billion five hundred thousand rubles for Sberbank's compensation payments on household deposits in 2018. The same amount will be spent from the budget in 2019 and the same amount in 2020.
What is the amount of compensation in 2018?
They are determined by the period of storage of money on the deposit. The state has introduced payout ratios.
Coefficient one - for an existing deposit or for a deposit that you opened in 1992 and closed from 1996 to 2018.
Coefficient 0.9 - for a deposit in 1992-1994, which was closed in 1995.
Coefficient 0.8- for the deposit in 1992-1993, which was closed in 1994.
Coefficient 0.7 - for a deposit in 1992, which was closed in 1993.
Coefficient 0.6 - for a deposit that was closed in 1992.
More conditions: if the applicant for compensation was born before 1945 inclusive, then he receives three times the amount on the account, if from 1946 to 1991, then twice.
However, if the depositor has already received a preliminary partial return, then the triple or double amount will be reduced by the same amount.
A special condition: the applicant for compensation will not receive it in a double or triple amount if he closed the deposit from June 20 to December 31, 1991.
What is the procedure for issuing compensation in Sberbank?
Compensatory payments on the deposits of the USSR will begin to be paid after the receipt of budget financing for 2018 by Sberbank of the Russian Federation.
The algorithm for applying for payments is as follows:
- visiting the office of Sberbank, where it is necessary to present to the transaction officer a passport of a citizen of the Russian Federation and a savings book with a deposit, for which you intend to receive compensation;
- write an application for the issuance of compensation according to the declared sample, which will be provided to you at the bank office;
- if the depositor cannot personally visit the office, then his duties can be assigned to an authorized person who presents a passbook plus a power of attorney and a document proving his identity. The authorized person will write a statement of compensation;
- If the depositor died, then his heir is entitled to receive compensation, who is obliged to present his passport of a citizen of the Russian Federation, documents for inheritance, a death certificate of the depositor at the office and write a corresponding application.
Application template for issuing compensation on deposits on a Sberbank savings book
Note that when you hand over the original documents at the office, the bank employee is obliged to return them to you after making copies and completing the application.
When you receive compensation, you must sign an expense cash warrant - if the deposit was closed. To do this, it is necessary to verify the amount of compensation and then receive a copy of this order in your hands. If the deposit for which you received compensation is not closed and is valid, then the transaction for the compensation payment is entered in the savings book marked “compensation”. The bank employee returns the passbook back to you.
Compensation can
The exact amount of compensation can be found only at the bank office, where the employee will calculate them, taking into account all adopted laws. You can pre-calculate the amount of compensation on the official website of Sberbank of the Russian Federation.
To do this, go to the section "Private clients" / "Invest and earn" / "Deposit compensation", where there is a calculator. Email address: sberbank.ru/ru/person/contributions/compensation
If you do not agree with the amount of compensation, then you have the right to dispute it using a written application at the Sberbank office. They must accept it and tell you the registration number of your application. It is possible to dispute the amount of compensation using the Internet. This can be done through
Even easier - go to the official website www.sberbank.ru and in the "Feedback" section write an appeal about your disagreement with the amount of compensation accrued, after which you will receive a unique appeal number. In both cases, your problem will be dealt with.
It happens that people do not apply for compensation on their deposits because they have lost their passbook. In this case, the depositor has the right to contact the Sberbank office where he opened an account and write a statement about the loss of the passbook and then an application for compensation.
If the depositor does not live on the territory of the Russian Federation, but is a citizen of our state, then he has the right to compensation on deposits of the Sberbank of the USSR, if he is a citizen of another state, he loses this right.
