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Instructions

1

All deposits in banks are subject to insurance in the DIA. In the event of an insured event, they are subject to compensation in the amount of 700 thousand rubles. Recently, the State Duma decided to increase the insurance amount to 1 million rubles, but so far this law has not entered into force. Insurance is subject not only to the insured amount, but also to the amount of accrued interest on the deposit. They are recalculated in proportion to the period of placement of the deposit before the license is withdrawn from the bank.

2

The investor does not need to take additional measures. DIA independently deals with deposit insurance.

3

Deposits in various branches of the bankare treated as deposits in one bank. Reimbursement is made with a limit of 700 thousand rubles. If the licenses are withdrawn from several banks at once, in which the depositor has funds placed, the DIA will also reimburse the amount in the amount of 700 thousand rubles. in proportion to the size of deposits in banks.

4

Before placing a deposit in a bank, you need toto clarify whether the organization is a CER participant and whether it has a valid CBR license. Many organizations pretend to be banking, offering higher rates on deposits.

5

All means are subject to insurance compensationindividuals who are on the accounts in the context of time deposits and demand deposits. Also, bank customers have the opportunity to get back their money, which is on current accounts used to receive salaries, pensions or scholarships. Under the new rules, the possibility to return their money appeared at the IP (since January 2014), from lawyers and notaries - yet.

6

When revoking a license from a bank, you must wait untilDIA will choose an agent bank, which will be responsible for payment of insurance compensation. Then apply there with an application for compensation. The money will be given out in cash or transferred to the account specified by you. The application can also be sent to the DIA in writing by mail. At the same time, it is necessary to notarize your signature (for a total of more than 1000 r).

7

Money can be obtained within a year and a half years before the end of the bankruptcy procedure. Therefore, do not go for reimbursement on the first day, tk. there may be queues.