Compensation for deposits of Sberbank of the former USSR. Features of receiving compensation

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

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, Soviet citizens were confident not only in the future, but also in the fact that nothing bad could happen to their money. During the collapse of the Soviet Union, 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.

Payouts

At the moment, the payment of compensations on Sberbank deposits to citizens of the country who made deposits before the collapse of the USSR continues. 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 means the return of depositors' money and the state's protection of its citizens from such problems.

Payouts

The state authorities have not yet approved the procedure. 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.

Worth a lookPlease note 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 return the funds to the victims again.

Who can be compensated

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 en titled 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, by 20. 06. 91. Compensation for deposits of Sberbank 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 en titled to double their account balances. Compensation for Sberbank deposits is calculated based on the face value of unitsbanknotes 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 case of death of the depositor

If the contributor died between 2001 and this year, heirs or people who paid 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 de alt with funeral matters has the right to receive 6,000 rubles in compensation.

As for the heirs, they can receive payments on 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 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. 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 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 12/19/06. 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 nominal 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 to cover 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 term of deposit storage

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 active, as well as for those accounts that were valid between 1992 and 2012 and closed between 1996 and 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 - coefficient is 0.8.
• Closed deposits in 1993 andvalid one 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 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.

Peculiarities of receiving compensation

In view of 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. For more information, please contact 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 previouslywere part of the USSR. In other words, money is issued only to those who have Russian citizenship and live here. All others must be compensated 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, the 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 allocation 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 completed 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 out of stock, report loss of passbook.
• If the deposit was closed between 1992 and 2015, you need to provide a special application, which is preliminarily drawn up inbank.

The heirs of the contributors need to collect the same documents, but with one difference: instead of confirming the power of attorney, you must provide a document on the right to inheritance, a death certificate of the contributor, and a certificate stating that the contributor at the time of death was a full citizen of the Russian Federation. Compensation for Sberbank deposits to heirs is made only if these conditions are met.

Where you can 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 all necessary actions with them are completed.

What you should pay attention to when applying

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 that you 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 bycompletion of the procedure.

Compensation formula

You can calculate the deposit amount yourself. To do this, use the following formula: the balance of the deposit as of June 20, 1991, multiply 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 is worth considering 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 the 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.