Compensation for deposits of the Savings Bank of the former USSR. features of receiving compensation

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Today, they still continue to pay compensation for deposits that were made during the Soviet period in Sberbank. To do this, you must meet a number of requirements and apply with the relevant documents to one of the branches of Sberbank of the Russian Federation. How are payments to affected depositors made this year?

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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 of the former USSR have been preserved. And many depositors also changed their place of residence.

Submit the necessary documents to any structural unit of Sberbank. It is important to contact the branch where the money will be transferred. This is done specifically for the convenience of depositors and their legal representatives.

You can contact 17 territorial banks, each of which has several branches. This financial network consists of 19,000 units located throughout the country. In some cases, a small commission is charged for transferring payout amounts from one branch to another.

When applying to the bank, you must fill out an application of the established form for compensation. For this, not only a passport is presented, but also a passbook of the Sberbank of the USSR. If it is not, an application for restoration is written.

The heirs must submit additional documents. Their content is determined by the specific situation.

The list may include the following documents:

testamentary order,
notarial certificate of the right to inheritance (if there was no will),
testamentary certificate.

Note! If you are a user of the remote service "Sberbank Online @ yn", the application can be filled out in your personal account in electronic form. But documents are presented personally only with a handwritten signature.

Who is supposed to

The return of deposits is subject to the condition that the account was opened before June 20, 1991 and was valid on that date.

The following customers are eligible for compensation:

investors born before 1991,
heirs born before 1991,
persons who paid for funeral services in the event of the death of the depositor in the period from 2001 to 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 refund was received in advance, the double or triple refund is reduced by this amount.

Note! Accounts closed between June 20 and December 31, 1991 are not eligible for double and triple compensation.

There are certain coefficients that depend on the period of storage of deposits. They affect the amount of the final payment. For calculation, you can go to the official website of Sberbank of the Russian Federation.

Documentation

Certain documents are required to receive compensation. Their list depends on who provides them - the contributor or the heir.

The investor must submit the following documents:

your civil passport,
savings book on the current deposit,

The heir submits the following documents:

your civil passport,
inheritance document,
depositor's death certificate,
statement of the established form.

Video: Payment procedure

Calculation of the amount of compensation for the deposit

The final amount of debt for payment is determined by the year of birth of the owner and the date of closing the deposit. The amount is determined as follows: the cash balance on the deposit account increases by two different coefficients and decreases by the amount that was previously paid as a preliminary compensation.

One coefficient is equal to the number "2" for those investors who were born from 1946 to 1991. And the coefficient "3" is assigned to those who were born before 1946.

There are also the following sizes of the increasing multiplier:

The website of Sberbank of Russia contains a calculator that can be used to calculate the amount of the depositor's compensation.

But this calculation will be only approximate. To find out the exact cost, you need to contact one of the branches of Sberbank. Here all the features and difficult moments will be taken into account. If necessary, they will restore expenditure transactions that have been for all these years.

The deposit was closed in 1995. Those born before 1945 receive a balance payment of three times the amount with a coefficient of 0.9. As a result, the amount of payment is 2700 rubles.

Thus, the heir or contributor will receive the amount of 2,700 rubles if there have been no other payments up to this point. If payments were made, the final amount will be much less.

Often the heir may not know about all the contributions of his testator. He does not always know about the previously received payments on the deposit. For this reason, Sberbank performs an accurate verification of information in each specific case.

Formula for 3 times the amount of payment for 1948 b. inclusive

The following formula is used to determine the triple amount of compensation:

(Oν x Kk x 3) - Rk

Kk - compensation coefficient,

2x payout formula from 1946-1991 R.

To determine the double amount of compensation, the following formula is used:

(Oν x Kk x 3) - Rk

In this case, the designations of the formula are deciphered as follows:

Oν – deposit balance as of 06/20/1991,
Kk - compensation coefficient,
Rk is the amount of previously received compensation.

Compensation of deposits of Sberbank in 1992 in 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.

A payment is also made to an individual who paid for these services, but is not an heir.

The amount of this compensation is determined by the balance of the deposit as of June 20, 1991, but cannot exceed 6,000 rubles.

Thus, if you meet the criteria for paying compensation for Soviet deposits, you can receive it under certain conditions. The main thing is to submit the necessary documents and make the necessary calculations. Only then can you receive the payment that is due by law.

In the 1990s, many Sberbank depositors lost their savings due to the economic reforms being carried out at that time. However, in 2009 a decision was made to pay compensation for some of the lost deposits. What is happening today with the receipt of money on the deposits of the Sberbank of the USSR, laid down before 1992, and what needs to be done to arrange compensation, you will learn from our article.

Who can receive funds

According to the Decree of the Government of the Russian Federation No. 1092 dated December 25, 2009, the following can apply for a compensation payment:

any citizen born before 1991 who had a deposit in Sberbank on June 20, 1991 and did not close it before 1992;
the heir of the contributor (in case of death of the latter later than 2001);
the person who paid for the burial of the contributor (again, provided that he died after 2001).

Important! Compensation payments are provided exclusively to citizens of the Russian Federation. Citizens of the former Soviet republics cannot apply for funds.

How to make a payment

To receive funds against lost savings, you will have to pay a visit to the Sberbank branch. Naturally, it can be quite difficult to find the branch where the deposit was opened or closed in Sberbank in 1992 - it can be located in another city or country, or even be closed. But it is not important. You can contact any office that is convenient for you. The package of necessary documents that you need to provide to the bank will depend on your situation.

If you were a depositor in the 90s, a passport, a valid passbook and an application will be enough. If the savings book has been lost, you will first have to write an application for its restoration, and only then - to receive compensation payments.
If you are the heir of the contributor, in addition to the passport and application, you will need to present a death certificate, as well as documents on your right to inheritance (will or certificate from a notary).

Important! Before registering an inheritance after a deceased relative, in the absence of a will, it is worth ordering from the Sberbank a search for all the deposits he had, as well as requesting information about the compensation received on them. This will make further processing easier.

Can everything be done online?

Compensation for deposits of Sberbank in 1992 can only be provided upon an application certified by your signature. You can make a preliminary application in the personal account of the Sberbank Online @ yn service, but in any case, you will have to submit an application through the office. But on the bank's website, you can immediately calculate the amount of compensation, which it makes sense to claim based on your conditions.

To do this, it is not even necessary to be registered in the system - just go to the very bottom of the main page of the Sber website and in the "Deposits" column find the "Deposit compensation" item. Having entered it, you will find a very convenient payout calculator.

Indexation of Sberbank deposits in 1992

The amount of compensation that can be received for a deposit lost in the 90s is determined based on its validity period, as well as the date of birth of the depositor. Persons born before 1946, when calculating compensation, must multiply the amount of the deposit on June 20, 1991 by 3, depositors - born later - by 2. Thus, you will receive a preliminary total. To determine the final amount, you should multiply it by a coefficient, which is determined depending on the term of the deposit, according to the table below.

Coefficient	Deposit closing year
1	1996–present
0,9	1995
0,8	1994
0,7	1993
0,6	1992

Important! If you have previously received any refund on lost deposits, its amount will be deducted from the total amount.

The formula with coefficients is only suitable directly for investors. Their heirs can claim to receive compensation from the bank for funeral expenses in the amount of 6,000 rubles, provided that the deposit of the testator was at least 400 rubles. This amount is paid regardless of whether the depositor received compensation for lost deposits during his lifetime or not. For deposits of less than 400 rubles, the amount of compensation is calculated by multiplying the amount of the deposit by 15. Payments of compensation are made, at your request, either in cash or by transfer to the account specified in the application.

Legal advice:

1. Savings deposit was opened in 1992 whether there will be compensation.

1.1. In accordance with Decree of the Government of the Russian Federation of December 25, 2009 No. 1092, a citizen born before 1991, who had a deposit in Sberbank as of June 20, 1991 and did not close it until 1992, can apply for a compensation payment.
If you opened a deposit already in 1992, then you have no right to compensation.
With best wishes, Vorobyov N.I., Ph.D.