Compensation of deposits for 90 years is paid by the Savings Bank. Compensation for deposits of the Savings Bank of the former USSR. features of receiving compensation. How to get a refund

The Ministry of Finance announced plans for the next 5.5 billion for the annual allocation from 2017 to 2019. to compensate for Soviet savings.

Legislative regulation of the issue

If the deposit was opened before June 20, 1991, then the amount and procedure for compensation can be studied in st. 15 Federal Law of the Russian Federation No. 415... This normative act determines that payments will be made on the basis of Federal Law No. 73, which entered into force in 1995, which contains information on recovery processes and ways to protect depositors' financial savings.

The procedure for compensation of contributions (contributions) is also mentioned in Government Decree No. 1435extending the validity of a similar document No. 1092, issued in 2009.

The refund process is planned to begin immediately after the budget financing of the current year arrives at Sberbank of Russia.

Citizens should pay attention to the fact that the Federal Law No. 415, namely, paragraph 5 of Art. 15 states that if in relation to the contribution (contribution) of a citizen, three or two times compensations, preliminary or additional compensations, as well as payments for services of a ritual nature (up to 6,000 rubles) were previously made, then repeated appeal is meaningless.

Who can qualify for

Not subject to review deposits:

For the return of previously collected funds can count:

• depositors who are citizens of the Russian Federation and were born up to 1991 inclusive;
• heirs of depositors.

Amount

In accordance with Government Decree No. 1092 dated 2009, the amount of compensation payments on the deposit depends on several factors.

Citizens who were born before 1945 will receive a refund threefold.

Any investor born later than 1946 and earlier than 1991 can pay double the amount of compensation in relation to the remainder. The compensation is also influenced by the shelf life.

If the depositor's death occurred in the time period from 2001 to 2014, then heirs receive a compensation payment for payment of funeral services:

• 6 thousand rubles if the stored amount of money exceeded 400 rubles;
• a figure increased by 15 times, if the size of the deposit has not reached 400 rubles.

Sometimes there are situations that 2 banks should reimburse the amount, but if we are talking about funeral services, then only 1 of them will pay the amount. The legislation does not provide for double payments.

Cases when a citizen of the Russian Federation did not receive none of the above, do not imply the subsequent implementation of additional payments:

Almost all of the above payments are subject to annual indexation in accordance with the inflation rate defined in the budget law for the current financial period and planning years.

The compensation amount is influenced by duration of deposit storage... In addition, the definition uses the following coefficients :

• 1 - in relation to the current deposit, as well as to investments, the effect of which extends to 1992 - 2019;
• 0.9 applies to deposits valid from 1992 to 1994. and closed in 1995;
• 0.8, if the deposit was valid from 1992 to 1993 and was closed in 1994;
• 0.7, if we are talking about existence in 1992 and closing in 1993;
• 0.6 applies if the deposit closed in 1992.

If a accumulation of funds has been discontinued from June 20 to December 31, 1991, no double or triple compensation payments will be made.

Payment procedure

When refunding the amount of money, hard currency is used - rubles... Refinancing to another structure can also be carried out, if the applicant expresses a corresponding desire.

The current legislation regulates the following sequencing when making payments:

In accordance with the instruction of the President of the Russian Federation, all deposits, the location of which in 1991-92. were the accounts of Sberbank and Rosgosstrakh, should be compensated until 2020 If any refunds have already been paid to the citizen, then the refund applies only to the remainder.

For compensation for the contribution of 1991 in the current year the following citizens can apply:

• born before 1945 and having money in a bank account on a previously agreed date;
• those born between 1946 and 1991 and who have similar financial savings.

Children's savings

Candidates for the 1991 child savings savingsopened by parents, for example, before they reach the age of majority, also expect to receive some compensation.

In accordance with the legislation in force at that time, funds were paid after the age of 16 or 18, but only if the mandatory condition was met - the minimum storage period was 10 years. Representation or inheritance applies to this requirement, i.e. certification papers will be required from the applicant.

In 2019 for compensation payment can apply:

Registration of compensation payment assumes that the corresponding amount will be received from the depositor or his heirs to Sberbank. statement... The institution will not independently organize search activities.

If the heirs do not have information about the availability of savings from a deceased relative, then this information can be found at the Sberbank branch, after sending a corresponding request.

The ruling states that when recalculating the amount return rate of 1 Soviet ruble \u003d 1 Russian ruble. Of course, since 1991 the ruble has lost a significant part of its purchasing power.

For partial "smoothing" of these consequences, in relation to the contribution amounts, certain modifiers, directly depending on how old the applicant is:

• 3 times the nominal deposit if the citizen was born in 1945 and earlier;
• 2x size if from 1946 to 1991

For understanding, we can give the following example: the depositor was born in 1945, and wants to receive compensation in respect of the deposit closed in 1995. By the time 1991 came, the amount of 4,500 rubles had been accumulated in the savings book. That is, a 3-fold size and a 0.9 modifier will be applied to the remaining finance. The total amount of the refund is: 4500 * 3 * 0.9 \u003d 12,150.00 rubles.

If the applicant has previously applied for compensation, the payments made will be deducted.

The heir may calculate the due financial return using a similar formula. True, to determine the value of the modifier, it is necessary to take into account the age of not the one who opened the deposit, but the one who inherited it. Wherein the following important factors are taken into account:

• the year when the deposit was closed;
• hereditary share;
• previously received compensation for which both the depositor and the heir could apply.

If the applicant paid for the funeral services with his own funds, then he can also count on compensation, even despite the absence of family ties. For the calculation, the same modifiers are used, but only the value of the total amount is limited to 6000 rubles.

For the reimbursement of these deposits, see the following video:

Compensation for Sberbank deposits before 1991 is provided today. Who can apply for funds, where to apply, what documents are required to make payments? Everything in detail in this material.

Cash compensation for Sberbank deposits: return procedure

In 1995, legislation was passed allowing citizens to receive compensation for deposits made before the collapse of the USSR in 1991. Sberbank of Russia was appointed as the authorized financial structure for debt collection. A corresponding item of expenditure is planned in the state budget for 2017. The institution will consider applications from the population for another two years - until 2019. Annually, funds in the amount of 5,500 thousand rubles are allocated for these purposes. The latest amendments to the law on payments were made in 2009 on the basis of the order of the Government of Russia No. 1092.

For all questions, you can ask a question by calling the support service of Sberbank of the Russian Federation or through the online application form.

Who will receive compensation for Soviet deposits: grounds

The categories of citizens who have the right to receive deposits with compensation are prescribed every year in a regulatory act on the formation of the budget for the next year. In 2017, these include persons who placed deposits with Sberbank of the USSR:

• Born in 1945 inclusive;
• having account balances;
• the period for placing funds until 20.06.1991.

The amount is provided three times, the face value of monetary units is taken into account. What matters is the term for placing funds on the account minus the amounts and commissions provided for their storage and the provision of banking services. Citizens born from 1945 to 1991 who are eligible as heirs to contributions receive double the compensation.

Investors who have died from the beginning of 2001 to the present day are compensated in the form of payment for funeral services at the expense of deposits placed in the Savings Bank of the USSR. The maximum amount is 6,000 rubles.

Heirs can receive any compensation for the contributions of testators born before 1991. Payments are made minus the previously provided funds, including to cover the costs of organizing the funeral. Refunds are not made to those account holders with the Sberbank of the USSR who closed their deposits from June 20 to the end of 1991, as well as those who received compensation earlier.

According to the law of 19.12.2006, at the expense of funds transferred for safekeeping to a state bank before the collapse of the USSR, it is possible to reimburse the cost of funeral services in the amount of 6,000 rubles, if the balance on the account is at least 400 rubles. If the amount was left less, then the heirs or other persons organizing the funeral are provided with compensation in the amount of the balance on the deposit, increased 15 times in terms of Russian currency.

Can not depositors and their heirs without Russian citizenship, as well as persons who are nationals of a foreign state or do not belong to any country, apply for payments. If a citizen lives in a foreign country, but he still has Russian citizenship, he can apply to Sberbank of Russia for receiving payments. The heirs provide in the original a certificate from a notary about the receipt of property from the deceased person. Repeated payments are not provided... That is, if the depositors applied for receipt once and compensation was provided to them, the bank is not authorized to provide funds again.

How to get compensation for deposits of Sberbank of the USSR

It is not necessary to contact the branch that opened the account, as their network has undergone significant changes in recent decades. There are 17 regional branches of the bank in Russia today. The branch network includes about 19,000 offices. A small fee is charged for transferring the amount, which is convenient for recipients.

To receive money, you need to submit an application to any office of Sberbank of Russia and provide a savings book in the original, and if the depositor has already died, confirmation of the fact of death, on which a mark is put on the issue of money. If the contribution was received by will, a notarized document is required.

When contacting the representative's institution, it is necessary to provide a power of attorney certified by the medical institution where the depositor is under the supervision of the notary or the organization where the owner of the deposit works or studies. If the savings book was previously lost, then you need to write an application for its restoration. Information is saved in the database of the Sberbank of the Russian Federation and on accounts.

Compensation for a closed deposit is provided only upon presentation of a power of attorney signed in the presence of a notary. If the account has been closed, an application is filled out on a special form, which can be found on the website of Sberbank of Russia or asked at the branch of a credit institution. After completing all the procedures, the original documents are returned to the owner, heir or trustee.

Payments to citizens of the former republics that are part of the former USSR are not provided.

If, when providing a complete set of documents, a refusal from Sberbank of Russia follows, it can be appealed in court by filing a statement of claim. The order of the state authority that has entered into force is presented directly to the bank for making payments or to the bailiffs service for enforcement. The operation of issuing funds is confirmed as in the case of a normal receipt of money by an employee of Sberbank of Russia on an expense cash order with a note on the provision of compensation for a frozen deposit. If a depositor or his heir has a current, retirement, salary or other account with Sberbank of Russia, the funds can be credited to it upon written application.

Consideration of the application lasts no more than 30 days. Copies are made from all provided documents, certified by bank employees, the originals are returned personally to the depositor or representative by power of attorney. After approval, the funds are credited to an account with a credit institution, and the recipient is notified of this. Subsequent actions for the disposal of money are not controlled: they can be spent to pay for utilities, communications, withdraw in cash, transfer to a card or another account, etc.

Sberbank Online customers have access to an electronic application form in their personal account. However, when contacting the bank to receive payment, the documents will need to be signed with their own hand or by a power of attorney certified by a notary.

Payments on old Sberbank deposits are calculated according to the following rules:

1. Investors born before 1945 receive three-fold compensation. The term of its placement is taken into account using the coefficients:

• open as of the current moment - indicator 1 is applied;
• closed in the period from 1996 to 2017 - 1;
• to terminated contracts in 1995 - 0.9, during 1994 - 0.8, in the period 1993 - 0.7 and 1992 - 0.6.

1. Those who have previously received a refund cannot apply for their receipt again on the basis of clause 6 of the Government Decree No. 1092 of 25.12.2009.
2. For the calculation, the formula is applied: (O ν × K k × 3) - R kwhen O νmeans the balance of the deposit as of June 20, 1991, K k Is the applied coefficient, and R k - funds received by the depositor or his heir towards the deposit account, 3 - three times the size.

You can get the exact cost of compensation using the Sberbank electronic calculator on the page.

Calculations in practice

Example # 1

The deposit was placed by a person born in 1951. The agreement with the bank has not been terminated at the moment. The balance of funds on the account is RUB 4,800. In 2012, compensation was provided in 3 times the amount. In 2015, a citizen applied to a Sberbank branch to receive a payment. On the basis of clause 6 of the Decree of the Government of the Russian Federation No. 1092, he was denied the issuance of funds due to repeated appeal.

Example No. 2

First, the amount of compensation received for depositors is calculated. To do this, you can use an electronic calculator on the website of Sberbank of Russia.

So, if the balance on the account as of 20.06.1991 amounts to 3800 rubles. with a closing date in 1992 when the depositor was born in 1964, an earlier payment of 200 rubles was made. The deposit is entitled to 2-fold compensation, since the depositor was born in 1964, that is, in the period from 1945 to 1991. An amount of 3,800 rubles was left on the passbook. The estimated factor is 0.6 since the contract was terminated in 1992. The total payment will be 4 380 rubles. based on the following calculation:

((3800 rubles * 0.6) * 2) - 200 rubles. \u003d 4 380 rubles.

Accordingly, 200 rubles. - previously provided payment on the deposit.

Example No. 3

The deposit was placed on the account by a citizen born in 1931. The balance of funds amounted to 8,200 rubles. In 2015, the heirs applied for money. It is impossible to receive money under this agreement, since the account was closed until 31.12.1991.

Sberbank's compensation payments for Soviet deposits are reflected in the cash outflow order. The payment document must be signed by the recipient. The expenditure of funds is also reflected in the savings book. Before signing, you must check all the information, if the recipient has a question about the amount, then it is better to postpone the procedure and request a recalculation.

The Russian government has submitted a draft law from the Ministry of Finance on increasing the balance of payments by 4 times. Also, the document indicates plans to close payments on deposits in the Sberbank of the former USSR until 2012. The act was approved by the Ministry of Justice and the Ministry of Internal Affairs, but the Ministry of Economic Development and Trade has not yet approved it, so it is subject to subsequent revision and approval.

Conclusion

As you can see, the procedure for receiving money on account of deposits in the Sberbank of the former USSR is quite simple. The main points are spelled out in a single normative act, the conditions for issuing and calculating are transparent. The amounts of payments are not high, the two- and three-fold coefficient does not compensate for the expenses of that time, but the state returns funds in a simplified manner, especially since such an item of expenditure is included in the budget for each year. That is, the probability of refusal due to lack of funds is zero. It is important that not only depositors, but also their heirs can receive money when providing documents confirming the availability of the balance of funds on the frozen deposit and the right to make a payment.

Most of the recipients of the money are dissatisfied with the current legislation and the small amounts of payments. Reforms are planned in this area. On the one hand, the Ministry of Finance announces plans to establish fourfold compensation, on the other hand, it announces the termination of payments until 2021. It is rather difficult to predict what the subsequent changes will be. It probably depends on the distribution of state budget funds and the economic situation in the country.

Good day, we are glad to see you on the pages of our portal dedicated to the services of Sberbank of Russia. Today we would like to tell you about the terms of compensation for old deposits in Sberbank of Russia.

Back in 2009, the government developed a document on compensation payments. However, it had a time frame that was expanded and until the end of this year, funds will be issued.

It is worth noting that the next two years in the Savings Bank of the country will also continue to issue payments, since the corresponding amounts of fifty million rubles will be allocated from the budget for this.

Compensation for the old Sberbank deposit

Only those who opened a deposit before June 20, 1991 will be able to receive compensation for old deposits.

• It should be borne in mind that the calculation is based on the figure that was indicated in the checkbook. Therefore, a thousand on an old savings book corresponds to a thousand Russian rubles.
• Those depositors who were born before 1945 will receive three times the amount of compensation.
• A two-fold increase is due to depositors or their heirs if they were born between 1946 and 1991. True, the shelf life will be taken into account here, as well as the issuance of preliminary compensation.
• Reducing factors are now used. They depend on the year when the deposit was closed. On average, the coefficient ranges from 0.6 to 1, not counting the multiplicity of compensation.
• The heirs can count on payment for funeral services, but if all payments have already been made, then it will no longer be possible to receive compensation again.
• Those depositors who closed their deposit in the period from June 20th to December 31st, 1991 will not be able to receive two or three times the payment.

To find out the exact amount, you can simply use the online calculator available on the Sberbank website.

Documents for receiving payments on old deposits of Sberbank

Heirs must understand that they are entitled to one of two types of compensation payments.

• This can be directly compensation for the deposit.
• In the event of the death of the owner of the deposit, it is possible to receive money, despite the payments already made. For example, if 400 rubles remained on the account, then this makes it possible to receive about six thousand, which were spent on funeral services.
• If there are several deposits, the entire amount will still be paid in one department, where a full settlement will be made.
• The owners themselves must contact one of the branches and take their passport with them, as well as, if possible, a passbook. You will have to fill out a special application form, which will be issued by a bank employee. All registration can be undertaken by an authorized person, if the appropriate paper is drawn up and certified by a notary.
• In addition, the heirs will have to present a death certificate and a document confirming the right to inherit. Just do not forget about the six months that are given to enter the law.

All required compensation is given in cash, but if desired, they can be transferred to a personal account.

We hope we were able to fully answer all your questions and were able to help you find out how you can get compensation for old deposits in Sberbank of Russia. If you have any other questions about the services and services of Sberbank of Russia, look for answers to them on the pages of our portal.

In 2020, compensation payments are made on deposits with the Savings Bank of the Russian Federation as of June 20, 1991 according to the order

In 2020, the right to receive compensation payments on deposits in effect on 06/20/1991 was granted citizens of the Russian Federation (including heirs belonging to the specified category of citizens):

• to 1945 year of birth inclusive- compensation is paid in three times the balance of deposits as of 20.06.1991 (based on the face value of banknotes in 1991);
• 1946 - 1991 years of birth - compensation is paid in double the amount of the balance of deposits as of 20.06.1991 (based on the face value of banknotes in 1991).

The amount of threefold (twofold) compensation is reduced by the amount of previously received preliminary compensation (compensation) and additional compensation for deposits.

The amount of compensation depends on the storage period of deposits and is determined using the following coefficients:

1 - for deposits that are currently in effect, as well as for deposits that were in effect in 1992-2020 and closed in 1996-2020;

0.9 - for deposits in effect in 1992-1994 and closed in 1995;

0.8 - for deposits in effect in 1992-1993 and closed in 1994;

0.7 - for deposits that were active in 1992 and closed in 1993;

0.6 - for deposits closed in 1992.

For deposits closed in the period from June 20 to December 31, 1991, payments triple or double compensation are not implemented.

In the event of the death in 2001-2020 of the owner of the deposits, who on the day of death was a citizen of the Russian Federation, heirs or individuals who made payment for funeral services are paid compensation for payment of funeral services in the amount of 6 thousand rubles, if the amount of the deceased owner's deposits indicated in the application is equal to or exceeds 400 rubles (based on the face value of banknotes in 1991); in an amount equal to the amount of the deceased owner's deposits indicated in the application, multiplied by a factor of 15, if the amount of deposits is less than 400 rubles (based on the face value of banknotes in 1991).

If the owner of deposits has several deposits in different departments of the bank, compensation for payment of funeral services is paid only in one of them.

Payment of compensation for payment of funeral services in the amount of up to 6 thousand rubles is carried out regardless of the compensation received by the owner of the deposits during his lifetime.

For deposits of citizens of the Russian Federation, for which previously accruals and payments of compensation were made in a 3-fold (2-fold) amount of the balance of deposits, preliminary compensation (compensation), additional compensation, compensation for payment of funeral services in the amount of up to 6 thousand rubles, repeated payment specified compensation not carried out.

Documents required to receive compensation:

- depositor in order to receive compensation for a deposit, he must present his passport of a citizen of the Russian Federation and a savings book (for a valid deposit) to a bank division, and also draw up an application for compensation at a bank division;

- heir in order to receive compensation, he must present his passport of a citizen of the Russian Federation to the bank branch, documents confirming his right to inheritance, depositor's death certificate, as well as fill out an application for compensation at the bank's division.

You can get more detailed information from the employees of the Bank.

The result of a series of political and economic upheavals that happened to the country in 1991 was the freezing (or actually loss) of deposits made by clients of Sberbank of the USSR until June 20 of the same year. Where this date came from and in what cases it can be attributed to a later time will be discussed further. Another thing is important: in accordance with Federal Law No. 362-FZ "On the federal budget for 2019 and for the planning period of 2019 and 2020," now depositors have the opportunity to get their money back.

Although the law does not provide for full compensation for losses (and it is impossible to objectively assess all the material damage caused to investors), every injured citizen has the right to restore justice at least in part. This is not as difficult as it seems.

Who can receive compensation for Sberbank deposits in 2019?

Before looking for yourself on the list of those eligible for compensation on Sberbank deposits before 1991 in 2019 and moving on to active actions, you need to get an idea of \u200b\u200bwhere the government got the idea of \u200b\u200bindexation and compensation for losses. This will be useful both for the contributors or contributors themselves, and for their heirs, who have little memory of the past tense.

As you know, in 1991, in addition to the gradual collapse of the USSR and the formation of independent states, there was a severe financial crisis, as a result of which the unprotected segments of the population, which included the majority of Sberbank's depositors, lost their savings, partially or completely.

The unfavorable factors that led to such consequences include:

• general failure of the economy;
• large-scale money issue;
• hyperinflation (most of the newly issued money was unsecured);
• the strongest rise in prices;
• the rapid loss of the purchasing power of the Russian population.

Although the freezing of funds deposited by depositors on Sberbank accounts until 1991 and later was not directly related to any of these factors, but rather a strong-willed decision of the executives, at that time the money was actually lost. True, even then the state began to talk not only about compensation payments, but also about their possible indexation, but it moved on to real actions much later. As a result of this delay, part of the funds deposited with Sberbank before June 20, 1991, in 2019 will not be received by the depositors themselves, but by their heirs - or other persons who have the right to do so.

In total, from 2019 to 2020, the state plans to reimburse citizens' deposits for a total of 16.5 trillion rubles - already taking into account the indexation carried out in March 1991. The history of compensation payments on Sberbank deposits began in 1996, in stages and very slowly. Then part of their money was received by people belonging to the most unprotected segments of the population: retirees and disabled people who were holders of Soviet certificates.

Important: compensation for Sberbank deposits before 1991 was never considered a priority expense. It is quite logical, although disappointing for the affected citizens, that the state is more concerned about the current costs of medicine, healthcare, public sector wages, and so on. Therefore, it is not necessary to count on a full one-time compensation for material damage: the money will be paid gradually and, unfortunately, not in full.

The procedure and amount of compensation payments are governed by the following legislative acts:

1. Federal Law No. 79-FZ "On the restoration and protection of savings of citizens of the Russian Federation", adopted on May 10, 1995. In accordance with this document, frozen and lost deposits were officially transferred to the category of guaranteed by the state, and therefore subject to compensation in the future.
2. Federal Law No. 238-FZ "On the Federal Budget for 2007", adopted on December 19, 2009. It gives the right to receive compensation payments for burial and payment of ritual services to the relatives of deceased investors.
3. Federal Law No. 415-FZ "On the federal budget for 2017 and for the planning period of 2018 and 2019", adopted on December 19, 2016. This is the first act that clearly spelled out the procedure for reimbursement of deposits (deposits), insurance contracts, certificates of the Sberbank of the Soviet Union and the obligations of the Treasury.
4. Federal Law No. 362-FZ "On the federal budget for 2018 and for the planning period of 2019 and 2020", adopted on December 5, 2017, which was mentioned earlier. The last document in chronological order, which regulates not only the procedure for providing compensation payments, but also their size.

According to the totality of the provisions contained in these acts, compensation for deposits until 1991 in 2019 will be made for the following categories of the population:

1. Sberbank clients (most of the citizens claiming payments) who placed deposits before June 20, 1991. The end date is due to the transformation of the state bank into a joint stock company. As you might guess, it was from that moment on that the state officially ceased to be liable to depositors for domestic debts - with the exception of one case, which will be described below.
2. Citizens of the USSR / Russia who entered into a state insurance contract with Rosgosstrakh before January 1, 1992. The reason is approximately the same - the structural transformation of the organization.
3. Holders of state treasury bonds (GKO) and certificates of the Savings Bank of the Soviet Union.

In 2019, the following are entitled to receive compensation payments on Sberbank deposits until 1991:

• citizens born before January 1, 1991, who placed their funds on bank deposits before June 20 of the same year;
• the heirs of the depositors, who were also born no later than December 31, 1990;
• individuals who have undertaken to organize and pay for the funeral of the owner of the deposit; their age does not matter.

Although the conditions for obtaining compensation payments have already been given above, for greater clarity, it is necessary to name cases in which the interested person does not have the right to them:

1. The depositor did not have USSR or Russian citizenship. As follows from the official explanations given on the Sberbank website, the lack of citizenship of the Russian Federation or dual citizenship of the heir does not prevent him from receiving compensation payments for the deceased owner of funds.
2. Year of birth - 1991 or later. This position is not entirely fair, since, in theory, parents could also make a contribution in the name of a child born before June 20 of that year and formally being a full-fledged investor. But the law remains law and will not be amended in the near future.
3. The account was opened after June 20, 1991 or closed between June 20 and December 31 of the same year.
4. The compensation for Sberbank deposits has already been paid (in 2019 or earlier) in full. Perhaps the fairest, obvious and indisputable requirement: receiving money from the state is in itself a landmark event, and it is too arrogant to demand something over and above - even if, in the opinion of the depositor or heir, the indexation was done in insufficient volume.

The only exception to the rule, which has been repeatedly mentioned, according to which a deposit subject to compensation should not have been closed between June 20 and December 31, 1991, is the frozen funds of depositors who have died from 2002 to the present.

Important: Sberbank is not obliged to pay compensation to the heir or funeral director if the deceased has already received his money in full (as provided by law).

Besides, for "funeral" payments there is a separate scale of compensation:

• if the deposit was less than 400 rubles, compensation is made in fifteen times the amount;
• if the size of the deposit exceeded 400 rubles, the beneficiary receives a fixed amount of 6,000 rubles.

For example, if a depositor put 350 rubles on the deposit before June 20, 1991 and until 2019 did not receive any compensation payments, with or without indexation, after his death, the heir or the person who took care of the burial may, by submitting an application to Sberbank along with the necessary documents , get your hands on 5250 rubles (350 × 15). If the size of the deposit was 600 rubles, the person will receive 6,000 rubles - and not a penny more.

If the deceased had several deposits, the beneficiary can, at his discretion, choose the most advantageous option for himself; otherwise the bank will do it.

Important: in order to receive compensation payment on a deposit made before 1991, it will be necessary to present the original death certificate. At the end of the calculations, a corresponding mark will be made on it.

How to get compensation for deposits before 1991 today?

So, having found himself in the list of persons entitled to compensation payments on Sberbank deposits, a citizen can proceed to receive the funds due to him. This procedure is longer and more complicated than it seems: it is much easier to find out or the conditions for the provision of a mortgage loan by a financial institution.

However, everything is possible if you make an effort and adhere to the recommended order of actions:

1. First of all, the interested person, whoever it is, needs to contact the bank, clarify the list of necessary documents and requirements for writing an application. Investigative activities are definitely not in the sphere of interests of Sberbank: the potential recipient of the compensation payment should take the initiative. To receive frozen savings, you will need to personally visit the bank branch in which the savings book was once opened.

Advice: if the desired branch is too far away, a citizen can contact the nearest one by filling out a request there to transfer a deposit to it (form 143 according to the internal nomenclature). As follows from the official explanation of Sberbank, the service in this case is carried out free of charge, that is, without charging a commission.

1. Submit an application with pre-prepared documents (their list for each individual case is given below).
2. Choose one of the methods available in 2019 to receive compensation for the Sberbank deposit before 1991:
   • in cash - the preferred option for the bank itself and therefore actively imposed;
   • refinancing of the deposit.
3. Check the correctness of the cash flow order and, if everything is correct, put your signature. After that, compensation for Sberbank deposits until 1991 is officially considered to have been made.

If the depositor's savings book was lost for any reason, the recipient of the compensation payment must contact the branch of Sberbank that opened it with an application for restoration. Unfortunately, it will not be possible to do this remotely (from another department).

A citizen who does not want to visit a bank branch again can, instead of personally contacting an employee for an application form, download it on the website of a financial institution. There you can also find out and use it to get advice from a specialist on working on the portal or filling out an application.

The list of documents that must be prepared and submitted along with the application varies depending on who the beneficiary is: the depositor himself, his heir, or the person who took on the burden of burying the deceased owner of the frozen funds.

Important: in all cases, the applicant will need to present the original documents to the specialist of the banking organization. There is no need to worry: after reading them and making copies, they will be safely returned to the applicant. The exception is the death certificate: on it the bank employee will put a mark on the payment of compensation for the deposit made before 1991, after which he will also return it to the applicant.

The depositor or his official representative, who has a notarized power of attorney, must bring to the Sberbank branch, in addition to a correctly completed application, the originals:

1. Passports of the owner of the funds.
2. For a representative - a power of attorney issued in his name and certified by a notary, as well as a document that allows him to identify his identity (passport, international passport, and so on).
3. Savings book issued by Sberbank.
4. If the book is not on hand - a statement about its loss, the form of which must be provided to the citizen at any branch of the bank.

The heir to the owner of the deposit made before 1991, who wants to receive compensation in the established amount, should take with him, in addition to the application, the originals:

1. Own passport or international passport.
2. Document (certificate), on the basis of which it can be concluded that the deceased was a citizen of the Russian Federation.
3. The savings book of the depositor (if it is lost - the corresponding application, the form of which can be obtained at any branch of Sberbank).
4. A document giving the applicant the right to receive an inheritance: a will or a certificate issued by a notary.

Important: the compensation payment is part of the inheritance and, if there are several inheritors, is divided between them according to the will or, if it has not been drawn up or officially certified, according to the general sequence. As in other cases, the legislator provides for the allocation of a share for obligatory heirs.

1. Death certificate of the testator. On it, as already mentioned, a Sberbank specialist puts a mark on the issue of money.

The person who took upon himself the funeral of the owner of the deposit does not need a will or a notarial certificate of inheritance for obvious reasons, but he will have to provide a certificate of expenses incurred: without it, it will be impossible to verify the fact of expenses.

Another, more rare situation is when the contribution was made before June 20, 1991 by one citizen in the name of another. In this case, if the depositor (the person who officially owns the deposit) has never used the money on the book, according to Article 842 of the Civil Code of Russia, this can be done by the depositor himself (the person with whose funds this deposit was created) - provided that will present documents confirming his right, the list of which can be clarified at any branch of Sberbank.

As explained on the official website, compensation payments (possibly taking into account indexation) in the territories of the former republics of the Soviet Union are carried out by local banks, the successors of Sberbank of the USSR in the manner prescribed by local legislation.

How to calculate the amount of compensation payment?

As mentioned earlier, to calculate the compensation payment due to a person on a deposit opened in Sberbank before June 20, 1991, you can use a convenient online calculator located on the official website of a financial institution. Perhaps in 2019 this is the most convenient and simple option, however, a potential beneficiary can carry out calculations himself using a simple formula consisting of the following components:

1. Amounts in the account as of June 20, 1991.
2. Age coefficient.
3. The coefficient of the duration of the deposit.
4. The amount of compensation received earlier.

The formula itself looks like this:

КВ \u003d С × В × Х - Кwhere

• Kv - compensation payment without taking into account previously made indexations;
• FROM - the balance on the Sberbank account;
• IN - age coefficient;
• X - coefficient of storage duration;
• TO - previously made refund of frozen funds.

If everything is clear with the first and last components (these are fixed amounts, which will not be difficult to find out), then the coefficients must be dealt with separately.

The first one, assuming gradation by age, can have only two meanings:

• 3 - for citizens born before January 1, 1945;
• 2 - for depositors born from January 1, 1945 to January 1, 1991.

Such a classification has no logical explanation: although its purpose is to protect older citizens, the priority of 74-year-olds as of 2019 over 73-year-olds is not entirely clear. It is simply a legal requirement that must be followed.

The second coefficient, in contrast to the first, decreasing, not increasing, is spaced, also completely outside the logic, by five values:

• if the deposit was made before 1991 and closed in 1992, the coefficient is 0.6;
• if the money was deposited before 1991 and it was closed in 1993 - 0.7;
• if the client of Sberbank decided to put funds into the account before 1991 and close it in 1994 - 0.8;
• if a deposit created before 1991 was closed in 1995 - 0.9;
• if the deposit has existed since 1991 and was closed in 1996 or has not been closed until now - 1.

The two examples below will help you understand the calculation scheme.

Example # 1... Let a citizen of the USSR / Russia born on April 24, 1943 (increasing coefficient 3) on May 6, 1991, open a deposit in Sberbank in the amount of 5000 Soviet rubles. The deposit existed until 1994 (decreasing coefficient 0.8), after which it was successfully closed - but due to the previously listed incidents, the depositor did not receive his money. However, earlier he was paid partial compensation in the amount of 2,000 rubles. Now, in 2019, a citizen or his heir (heirs) can claim the amount calculated according to the above formula: CV \u003d 3 × 5000 × 0.8 - 2000 \u003d 10,000 rubles.

Example No. 2... A citizen born in 1968 (multiplying coefficient 2) opened a deposit in the amount of 3000 Soviet rubles in the Sberbank of the USSR on March 5, 1991. The money was never withdrawn, but the deposit was closed in 1996 (reduction factor 1). Previously, no compensation payments were made on it. Using the same simple formula, we can conclude that in 2019 a depositor who has applied to Sberbank with a corresponding statement and other documents will receive: CV \u003d 2 × 3000 × 1 - 0 \u003d 6000 rubles.

The balance on the deposit deserves special attention. Although this, as has already been found out, is a fixed amount, but people who have long forgotten about the "lost" money will be interested to learn about the indexation made, according to the decree of the President of the Soviet Union No.UP-1708, made on March 22, 1991, for all deposits of Sberbank on March 1 of the same year on the following conditions:

• if the amount of the deposit did not exceed 200 Soviet rubles, it was automatically increased by 40%, and it could be withdrawn not earlier than July 1, 1991;
• more serious deposits increased in the same percentage, but they could be closed (and, as it was then assumed, the money could be withdrawn) only three years later - on March 1, 1994.

Consequently, a citizen born in 1942 (increasing coefficient 3) who made a contribution of 12,000 rubles in 1989 and closed it in 1993 (decreasing coefficient 0.7), as well as, among other things, who previously received partial compensation in the amount of 3,000 rubles, in 2019, he can count on the following compensation: CV \u003d 3 × 12000 × 1.4 × 0.7 - 3000 \u003d 32280 rubles, where 1.4 is the same indexation coefficient for deposits made before March 1, 1991.

Can the heir receive compensation for deposits?

Although the answer to this question has already been given earlier (and it is positive), one should once again list the requirements imposed by the legislator and Sberbank on the heir - the recipient of compensation payment on the deposit opened by the testator before June 20, 1991 in any branch of the Sberbank of the USSR:

1. Availability of a document confirming the right to receive compensation: a will or a certificate from a notary.
2. The presence of a certificate certifying that the deceased was a citizen of the Soviet Union / Russian Federation, as well as a death certificate of the deceased.
3. It is not necessary to have a savings book on hand, but it is desirable: otherwise, you will have to fill out a statement about its loss indicating the reasons for the event.
4. It is not necessary to have Russian citizenship for the beneficiary himself, as explained on the Sberbank website, but, taking into account domestic realities, its presence can greatly speed up the process.
5. The date of birth of the heir (as well as the depositor) is no later than December 31, 1990.
6. The amount of previously received compensation, if any, should not cover the total amount due to the citizen.

If a will was drawn up by a person who placed a deposit with Sberbank before June 20, 1991, the compensation payment may be received, according to this document, to one or more beneficiaries, in compliance with the interests of the so-called obligatory heirs, as prescribed by Article 1149 of the Civil Code of Russia.

Such heirs include those who have not reached the age of eighteen or the disabled children of the testator, as well as disabled parents, spouse or spouse and dependents. Usually they are allocated a share from the unlawful part, but if its value turns out to be insufficient (less than half of the amount that they would receive if they inherited by law), each heir by will will have to part with part of their share.

When there is no will at all or it has not been certified by a notary, inheritance, including compensation for a deposit made in Sberbank before that date, is made according to the queues, as described in Articles 1142-1144 of the above document.

Summing up

Receiving compensation for a deposit opened before June 20, 1991 in Sberbank is a rather complicated and tedious process associated with the preparation of the necessary documents and the execution of an application for a payment, as well as, if necessary, about the loss of a savings book and about transferring the deposit to another bank branch ... The heir or the person who has borne the funeral expenses of the depositor will also have to provide the original death certificate.

To avoid embarrassing misunderstandings, the beneficiary is advised to check in advance with the bank the list of required documents as of 2019, and also calculate the exact amount he is entitled to: this can be done using the above formula or an online calculator built into the website.