In Soviet times, the phrase "Citizens, keep money in a savings bank!" was very common and was considered the standard civil liability. He who listened to this advice could be sure that he had done 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
On the this moment still continues for citizens of the country who made contributions before the collapse of the USSR. All accounts subject to protection and recovery under the laws of the country are paid little by little Savings bank RF. 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 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. This is the amount laid down by the current government to pay off debts to citizens. Russian Federation to cover the debt left by Sberbank of the USSR.
Regulations
Many citizens are interested in the basis of which regulations will be carried out now return financial resources from investments until 1991. All data are marked in the law on 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
Order government bodies not yet approved. It is only known that there are no changes in the scheme of payments that were prescribed in the budget before. Last changes in the legislation on deposits made before June 20, 1991, were made in 2009, by Resolution No. 1092. Payments will begin at the time 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 this 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 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 federal law from 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 the compensation of his funds, 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. For more information, please contact Sberbank, phone hotline listed on the official website.
The 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 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 account cash warrant. 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 factor, 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 2020, compensation payments on impaired Soviet deposits, opened in the Savings Bank of the USSR. The state guarantees the restoration of monetary savings that citizens deposited into Sberbank accounts before June 20, 1991, since these funds (guaranteed savings of citizens) are recognized as Russia's internal public debt. Compensation payments are made at the expense of the state budget and are organized through Sberbank PJSC.
It should be noted that compensation is made only for deposits that valid as of June 20, 1991 No refund will be made on accounts that:
- opened June 20, 1991 and later;
- closed during the period from 06/20/1991 to 12/31/1991;
- for which compensation has already been made in full.
In order to continue paying compensation to citizens in 2020, the budget provides funds in the amount of 5.5 billion rubles. The rules for their implementation are established by Decree of the Government of the Russian Federation No. 1092 of December 25, 2009. Similar compensations are paid by Rosgosstrakh for depreciated Soviet insurance.
Attention
In fact, the first compensation of Soviet deposits was carried out back in 1991 on the basis of the Decree of the President of the USSR dated March 22, 1991 No. UP-1708. Further, the implementation of compensation is carried out in stages by Sberbank. The history of compensation payments made to Russians since 1996 can be found on the official website of the bank.
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Compensation rates for deposits until 1991
In 2020, citizens of the Russian Federation, as well as their heirs, who belong to the specified categories of persons, depending on the year of birth, are entitled to receive a refund on Soviet deposits:
- up to and including 1945— three times the amount of the account balance as of 06/20/1991 is reimbursed;
- from 1946 to 1991- double the balance of the account as of 06/20/1991 is paid.
The heirs of deposit holders are entitled to receive a payment in the amount of two and three times the balance of the account, regardless of the age of the person who opened the deposit. As part of the reimbursement for impaired deposits before 1991, you can receive a payment on the balance of funds in a bank account, as well as an additional reimbursement for the owner of the deposit.
When determining the amount of compensation, reduction factors are applied, the value of which is set depending on the term of the deposit(see table).
Attention
The calculation is based on the face value of money in 1991. The amount of double or triple compensation for Soviet deposits is reduced by the amount of all previously paid cash. Re-reimbursement of deposits is not made.
To calculate the amount of compensation due, you can also use the calculator posted on the website of Sberbank PJSC.
Compensation calculator for Sberbank deposits until 1991 in 2020
Payment for funeral services
In the event of the death of a Sberbank depositor in 2001-2020, in addition to the deposit reimbursement, you can receive reimbursement for funeral services. It is made only if the depositor was a citizen of the Russian Federation on the day of death. It does not matter what citizenship the recipient of the payment (successor) has.
This payment can be received:
- the heir of the person who opened the deposit;
- physical the person who paid for the funeral services (earlier than 6 months from the date of opening the inheritance).
The amount of the due compensation for the payment of funeral services depends on the deposit amount, opened by the deceased owner:
- if the amount of the balance on the account is equal to or exceeds 400 rubles, then the applicant is compensated 6000 rubles;
- if the deposit was less than 400 rubles, then the cash compensation is determined as the balance of the deposit multiplied by 15 (for example, if the balance of the account was 200 rubles, then the amount to be reimbursed will be 3000 rubles).
Attention
If the owner has several deposits in different divisions of the bank, the payment is made just one time in one of the departments. If the depositor opened several accounts in one division of Sberbank, then the amount of payment for funeral services will be determined based on total account balances.
The heir or the person who paid for the funeral services may be reimbursed for funeral services regardless on whether the owner of the Sberbank account received compensation during his lifetime or not. But re-get cash funeral services are not allowed. To do this, a mark is put on the death certificate of the depositor that the payment has already been made.
Who can claim compensation for USSR passbooks in 2020?
The following can apply for cash compensation on Sberbank deposits opened before 1991:
- Owners of deposits, provided that they are citizens of the Russian Federation.
- Depositors with dual citizenship, if one of them is the citizenship of the Russian Federation.
- Depositors who are citizens of the Russian Federation, but living outside of it.
- Contributor of funds to a deposit opened in favor of a third party (depositor), if the depositor has not expressed his intention to exercise the right to compensation.
- Legal heirs of the persons specified in paragraphs 1, 2 and 3.
For targeted deposits for children, cash compensation can be paid either to the owner of the deposit, if it is still open, or to the person who closed the account.
Attention
If the owner of the deposit is a citizen of a foreign state, then payment of compensation to him will not be produced. Heirs - foreign citizens can only count on the reimbursement of funeral services if the owner of the account with Sberbank was a citizen of the Russian Federation and such a payment has not yet been made.
If the contributor personally cannot apply for a refund, then the payment can be made trustee. To do this, the representative, when applying for compensation, will additionally have to present a power of attorney, which indicates his entitlement to financial compensation. If the deposit is still open, then such a power of attorney can be issued both by a notary public and in the subdivision of Sberbank PJSC itself. If the deposit is already closed, the power of attorney can only be notarized.
How to get paid on Sberbank deposits?
To consider the issue of payment of monetary compensation due to old Soviet passbooks, you must contact any structural subdivision Sberbank, which carries out operations on deposits of individuals.
To apply for a refund, you must provide:
- Passport of a citizen of the Russian Federation.
- Savings book. If the passbook on the current deposit has been lost, then the depositor will need to first contact the bank at the place where the deposit was opened to file an application for the loss of the book.
- Documents confirming the right to inheritance (if the applicant is the heir of the contributor).
- Contributor's death certificate (if the heir applies).
- A document confirming the citizenship of the Russian Federation of the deceased contributor (if the heir wants to receive compensation for funeral services).
To confirm the citizenship of the depositor, you can provide any of the following documents:
- a certificate from the housing department on registration at the place of residence of a citizen;
- extract from the house book or apartment card;
- certificate from the place of work about the place of residence of the deceased;
- passport or insert to the passport confirming the citizenship of the Russian Federation;
- a certificate from the Ministry of Internal Affairs at the place of residence of the deceased depositor.
A similar set of documents is provided to receive monetary compensation for burial expenses.
Attention
If the owner still active contribution cannot apply to the branch of the bank in which it is open, then an application for receiving payment from him will be accepted in any other branch, but when transferring monetary compensation on a deposit, a fee may be charged for remittance bank rates. If the deposit was closed, then no commission is charged for transfer operations.
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Reading 5 min. Published on 11/18/2019
In the early 90s of the last century, several significant events took place that negatively affected the lives of a huge number of people. The collapse of the Soviet Union and its collapse banking system led to the loss of deposits by the population, many of which accumulated throughout their lives. The government of the country has developed a compensation program for the return of funds from the times of the USSR, and at present the payments are made by the Savings Bank of Russia, which has become the successor of the Savings Banks.
Who is entitled to compensation for deposits before 1991 in Sberbank?
As in previous years, government payments on USSR deposits that were in effect on June 20, 1991 will continue in 2017.
- Compensation payments are provided for Russian citizens not younger than 26 years old having unclosed deposits in the Savings Bank on a specified date.
- To the successors of these persons compensation is also given.
The procedure and amount of payments are regulated by Decree of the Government of the Russian Federation No. 1092 of December 25, 2009.
The procedure for receiving compensation for deposits until 1991 at Sberbank
To obtain compensation payments on a deposit, the depositor or his heirs write an application in accordance with the established model. For the convenience of customers, remote application is provided through the Sberbank Online @ yn system. All other documents are presented to the bank in person.
The depositor's application is considered in deadlines and after 30 days the due amount is transferred to the client's account.
Clarification: It should be noted that in some cases the bank takes a commission for transferring funds from one branch to another.
What documents are required to issue compensation for deposits before 1991 in Sberbank?
After submitting an application for the payment of the amount due on the deposit, the following documents are submitted to the bank:
- If a person was a depositor, then he presents Russian passport and original passbook (it might not have been preserved, then the book is simply restored).
- It will be required from the heir passport of a citizen of Russia , as well as a document confirming the death of the depositor and the right to inheritance the person submitting the application (The amount of compensation in this case is determined taking into account the shares due to each of the heirs).
How to calculate the amount of compensation on deposits before 1991 at Sberbank: calculation formula
total amount government payments for deposits valid as of June 20, 1991, depends on the balance of funds in the account during the specified period and the age of the depositor.
The formula for calculating compensation for deposits looks something like this:
(Ov x Kk x 2(3)) Rk = Amount of payments, where
Ov– The amount remaining on the account (in rubles) on the date of 06/20/1991.
K k– Increasing compensation factor.
Calculated depending on the date of cancellation of the deposit agreement.
Numbers 2-3 mean that the balance of the amount on the deposit increases by 2 or 3 times, depending on the date when the depositor was born.
- For Russians born in 1910-1945, payments are provided with a multiplying factor of 3.
- For depositors, citizens of the Russian Federation, whose year of birth falls on 1946-1991, the multiplying factor is 2.
Rk– The amount of compensation received by the depositor on the deposit (in rubles).
If a person has already applied for partial compensation on a deposit, then this amount is deducted accordingly.
Calculation examples:
- If the depositor was born in 1943 and the balance of funds at the time of closing the deposit in 1994 amounted to 2000 rubles, then the amount to be received is: 2000 x 3 x 0.8 = 4800 rubles.
- If the depositor was born in 1968 and at the time of applying for compensation, a deposit in the amount of 500 rubles. remained unclosed, then the payment will be: 500 x 2 x 1.0 \u003d 1000 rubles.
- If the depositor was born in 1945, has a valid deposit with a balance
funds of 900 rubles, but received partial compensation in the amount of 200 rubles in 2000, then the payment is accrued in the following way: 900 x 3 x 1.0 - 200 = 2500 rubles.
The balance of funds on the account is confirmed by presenting the passbook to the bank employees.
Who is not compensated for deposits before 1991 in Sberbank?
According to Decree No. 1092, there are several conditions under which compensation on deposits of the USSR Savings Banks is not paid:
- If the depositor does not have the citizenship of the Russian Federation or he does not have citizenship at all.
- The term of the deposit agreement was canceled in the period from 06/20/1991 to 12/31/1991.
- The depositor has already received all due payments.
- The heirs of the deceased owner of the deposit are persons under 26 years of age.
- The heirs cannot confirm Russian citizenship.
Features of payment of compensation on deposits until 1991 in Sberbank to the heirs of the depositor
The heirs of the depositor can receive payments on the deposit in two cases:
- With direct compensation of the contribution itself . If there were several accounts, then they are all summed up.
- As compensation for funeral services in the event of the death of the contributor . Payments in this case are made, even if the money was received earlier.
Compensation for funeral services in accordance with Federal Law No. 238 of December 19, 2006 provides for the following amounts:
- With a contribution of 400 rubles. and above payments are 6000 rubles.
- If the depositor's account is less than 400 rubles, then a multiplier of 15 is used. So, for example, with a deposit of 350 rubles. compensation will be 350 x 15 = 5250 rubles.
After the heirs have received compensation for the organization of the funeral, the bank puts a note about this on the document confirming the death of the depositor.
Additional payments under this item are not provided.
Where can I get compensation for deposits before 1991?
In the event that a depositor is entitled to compensation for a deposit “frozen” as of June 20, 1991, he can apply to any branch of Sberbank. It is not necessary to go to the place where the account was opened, especially since not all addresses of Sberkass branches have been preserved. In addition, many depositors have also changed their place of residence over the years.
In total, there are more than 19,000 branches of Sberbank in the country, which allows customers to take advantage of banking service in any region. Not to mention the fact that bank branches can be found at the place of residence.
The country's government has decided to allocate 5.5 billion rubles each from 2017 to 2020 to compensate Soviet-era depositors. Money on deposits recognized as “burned out” can still be returned by established by law rules. Let's find out how the last deposit compensation is made in 2017-2020.
For whom the last deposit compensation can be carried out
The following applicants will be able to return the funds that were invested under the deposit programs at Sberbank:
- Russian citizens who were Sberbank depositors and were born before 1991 (incl.);
- heirs of the above persons.
Applications for compensation of deposits will not be satisfied in all of the following cases:
- if the deposit was opened later than June 20, 1991 or immediately on that date;
- if the deposit was closed between June 20, 1991 and December 31, 1991;
- if the applicant has already received preliminary, additional and other compensation payments on his contribution.
How much is the last deposit compensation paid?
For deposits closed from June 20 to December 31, 1991, payments on the account balance increased by 2 and 3 times are not valid.
The amount of compensation for a deposit with Sberbank will be calculated by specialists on an individual basis, depending on a number of factors considered in the relevant law:
- Citizens of Russia whose date of birth falls before 1945 will be able to claim compensation in the amount of three deposits that they had on their savings books (the amount of the deposit is multiplied by three).
- If the depositor was born later than 1946, but not later than 1991, the amount of the deposit available on the Soviet passbook will be doubled.
- The amount of compensation may vary depending on when the deposit was closed, and whether it was closed at all - a different reduction factor is set for each year of closing:
- 0,6 – for deposits closed in 1992;
- 0,7 – for deposits valid in 1992 and closed in next year;
- 0,8 – for deposits valid for 1992-1993 and closed in 1994;
- 0,9 - for deposits that existed for 1992-1994 and closed in 1995;
- 1 - for deposits that have not been closed or are valid for 1992-2017.
- The heirs of a deceased depositor can apply to Sberbank for a funeral benefit if the depositor died between 2001 and 2014:
- compensation will be paid in the amount of 6,000 rubles if the savings book of the deceased had at least 400 rubles;
- The funeral allowance will be calculated as the balance on the passbook multiplied by 15 if the balance does not exceed 400 rubles.
If a person has not made any of the above payments, a subsequent payment is not expected:
- burial allowance in the amount of 6,000 rubles;
- additional compensation;
- accruals on the balance of funds on the passbook, doubled or tripled;
- advance compensation.
In what order is the last compensation on deposits paid?
Compensation for Soviet deposits is made exclusively in rubles. The amount of compensation can be redirected to another banking institution to the account of the depositor, if he has such a desire. Payments on Soviet deposits are made in the following order:
- The applicant prepares the required documents.
- Appeal to the banking institution in which the deposit was opened.
- Making a payment within 3 days (but not earlier than 14 days from the date when the insured event occurs).
- Issuing a certificate stating that certain amount compensation was issued in cash or by transfer to an account in another bank or in a bank at the place of application.
- In 2017, applications are accepted from contributors born before 1945 and between 1946 and 1991.
- Until 2020, citizens whose deposits were opened from 1991 to 1992 in Sberbank and Rosgosstrakh can apply to banks.
Last compensation on deposits opened for a child
If parents opened a deposit for their child in the same period of time as mentioned above, they are also entitled to compensation. Such a deposit was opened for at least 10 years, and was paid to the child upon reaching 16 or 18 years. If these conditions are met and the citizen can prove it, compensation will be paid.
Legislative acts on the topic
Common Mistakes
Error: A depositor who had a deposit with Sberbank opened prior to June 20, 1991 applied for compensation, while numerous compensations had been made in his favor in the past.
Today, they still continue to pay compensation for deposits that were made in Soviet period to 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?
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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 have been preserved. former USSR. And many depositors also changed their place of residence.
Imagine Required documents to any structural subdivision 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.
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 personal account in in electronic format. 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 2020.
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 return was received in advance, the double or triple return 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.
The documents
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: cash balance in the deposit account increases by two different coefficients and decreases by the amount that was previously paid as a pre-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 2020
To consider the issue of calculating compensation for a deposit that was closed between 1992 and 2020, 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 2020, 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 2020, his heir receives payment for funeral services.
It also pays 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 produce necessary calculations. Only then can you receive the payment that is due by law.
