When will the 1991 deposits be returned? Documents from heirs

In the 90s, many Sberbank depositors lost their savings due to the economic reforms carried out at that time. However, in 2009, a decision was made to pay compensation for part of the lost deposits. You will learn from our article what is happening today with the receipt of money from Sberbank of the USSR deposits made before 1992, and what needs to be done to receive compensation.

Who can receive funds

According to Decree of the Government of the Russian Federation No. 1092 of December 25, 2009, the following may qualify for compensation payment:

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

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

How to make a payment

To receive funds against lost savings, you will have to visit a Sberbank branch. Naturally, it can be quite difficult to find the branch where a deposit was opened or closed in Sberbank in 1992 - it may be located in another city or country or may be closed altogether. 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.

1. If you were an investor in the 90s, a passport, a valid savings book and an application will be enough. If your savings book has been lost, you will first have to write an application to have it restored, and only then to receive compensation payments.
2. If you are the heir of the investor, in addition to your passport and application, you will need to present a death certificate, as well as documents about 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 Sberbank a search for all the deposits he had, as well as requesting information about the compensation received for them. This will simplify further processing.

Is it possible to arrange everything online?

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

To do this, you don’t even have 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 item “Compensation for deposits”. Once you log in, 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 depositor’s date of birth. Persons born before 1946, when calculating compensation, must multiply the deposit amount on June 20, 1991 by 3, depositors born later by 2. This way you will get a preliminary result. To determine the final amount, you should multiply it by a coefficient, which is determined depending on the validity period 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 compensation for missing deposits, its amount will be deducted from the final amount.

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

Compensation paid on deposits of citizens of the Russian Federation opened with Sberbank PJSC before 06/20/1991 and valid as of 06/20/1991.

Compensation not paid:

For deposits opened on June 20, 1991 and later;
- for deposits closed during the period from June 20, 1991 to December 31, 1991;
- for deposits for which compensation has previously been fully paid.

1. Who is compensated in 2019?

In 2019, compensation payments for deposits valid as of June 20, 1991 are made:

Depositors-citizens of the Russian Federation born in 1991 inclusive;
- heirs who are citizens of the Russian Federation born in 1991. inclusive of deposits of depositors-citizens of the Russian Federation;
- heirs or individuals who paid for funeral services in the event of the death of a depositor who is a citizen of the Russian Federation in 2001-2019.

1. From what funds are compensation payments made for deposits valid as of June 20, 1991?

Funds for payment of compensation for deposits valid as of June 20, 1991 are allocated from the federal budget of the Russian Federation.

1. In 2010, I received compensation for my deposits. Can I get compensation in 2019?

No you can not.

In accordance with clause 6 of Decree of the Government of the Russian Federation No. 1092 dated December 25, 2009, in case of receipt of compensation for deposits earlier, repeated payments are not made.

1. Is it possible to receive compensation in 2019 for a special-purpose deposit for children opened at Sberbank in the 1980-1990s? Who is paid compensation for the targeted deposit for children? What documents must be presented to receive compensation?

Compensation for a targeted deposit for children opened at Sberbank can be received if the deposit complies with the general conditions for the procedure for making compensation payments on deposits in 2019:

The deposit was opened until June 20, 1991,
- the deposit was valid as of June 20, 1991,
- the deposit was not closed during the period from 06/20/1991 to 12/31/1991.

For targeted deposits for children, compensation is paid to citizens of the Russian Federation born in 1991. inclusive in the generally established order:

For existing deposits - the depositor,
- for closed deposits - the person who closed the deposit.

To receive compensation for a children's target deposit, the depositor/person who closed the deposit must present:

Compensation payments to depositors

1. What compensation is paid to DEPOSITERS in 2019? What is the amount of this compensation?

For depositors-citizens of the Russian Federation:

- Born 1946 - 1991

1. What documents must be presented to the DEPOSITOR to receive compensation?

To receive 2-fold or 3-fold compensation, a depositor who is a citizen of the Russian Federation must present:

Identity document;
- savings book (if the deposit is valid).

The depositor must submit an application for compensation.

1. The DEPOSITER cannot personally apply for compensation. What is the procedure for paying compensation in this case?

If a depositor who is a citizen of the Russian Federation cannot personally contact the bank, then compensation may be paid to the depositor’s authorized representative.

To receive 2-fold or 3-fold compensation, the DEPOSTER's authorized representative must present:

Identity document;
- power of attorney with the right to receive compensation;

Issued for this deposit in a structural unit of PJSC Sberbank;
- certified in accordance with Art. 185.1 of the Civil Code of the Russian Federation notarized (equated to notarized).

For a closed deposit, compensation is issued on the basis of a notarized power of attorney (equated to a notarized one).

The authorized representative draws up a corresponding application for compensation.

1. How to receive compensation if the deposit is closed and the DEPOSITER cannot present a savings book?

To consider the issue of calculating compensation for a deposit closed in 1992-2019, the depositor must contact the structural unit of the bank at the place where the deposit is kept (or the structural unit of the bank to which he wishes to transfer the amount of compensation) and fill out an appropriate application for compensation.

For deposits closed during the period from June 20, 1991 to December 31, 1991, compensation in the amount of 2 times and 3 times the balance of deposits is not paid.

1. How to receive compensation if the savings book for an existing deposit is lost?

The depositor must contact the bank’s structural unit at the place where the deposit was opened, fill out an application for the loss of the savings book and an application for compensation.

1. The depositor lives outside the Russian Federation, but has a deposit that was valid on 20 June 1991. Can he get compensation?

For a depositor living outside the Russian Federation, but being a citizen of the Russian Federation, compensation is paid in accordance with the established procedure.

No compensation is paid to a depositor living outside the Russian Federation, but who is a foreign citizen or stateless person.

1. Formula for calculating compensation in 3 times the amount of the balance of deposits for DEPOSTORS born in 1945. inclusive.

Compensation in the amount of 3 times the balance of deposits is paid to depositors who are citizens of the Russian Federation up to and including the year of birth in 1945.

The amount of 3-fold compensation is calculated based on the deposit balance as of June 20, 1991 and its storage period, using the following coefficients:

For deposits closed between June 20, 1991 and December 31, 1991, compensation in the amount of 3 times the balance of deposits is not paid.

The amount of 3-fold compensation is reduced by the amount of previously received compensation payments.

The amount of 3-fold compensation is determined by the formula:

(O ν × K k × 3) - R k

3 – number three.

1. Formula for calculating compensation in 2 times the amount of the balance of deposits for DEPOSITORS 1946-1991. birth.

Compensation in the amount of 2 times the balance of deposits is paid to depositors who are citizens of the Russian Federation born in 1946 - 1991.

The amount of 2-fold compensation is calculated based on the deposit balance as of June 20, 1991 and its storage period, using the following coefficients:

1 - for currently valid deposits;
1 - for deposits closed in 1996 - 2019;
0.9 - for deposits closed in 1995;
0.8 - for deposits closed in 1994;
0.7 - for deposits closed in 1993;
0.6 - for deposits closed in 1992.

For deposits closed between June 20, 1991 and December 31, 1991, compensation in the amount of 2 times the balance of deposits is not paid.

The amount of 2-fold compensation is reduced by the amount of previously received compensation payments.

The amount of 2-fold compensation is determined by the formula:

(O ν × K k × 2) - R k

O ν – deposit balance as of June 20, 1991,
K k – compensation coefficient,
R k – the amount of previously received compensation,
2 is the number two.

1. What amount of compensation will the INVESTOR born in 1945, inclusive, receive if in 2010 he received compensation in a 3-fold amount? The deposit is valid (there is a savings book). The balance of the deposit as of June 20, 1991 is 2000 rubles.

In accordance with clause 6 of Decree of the Government of the Russian Federation No. 1092 dated December 25, 2009, in case of receipt of compensation for deposits earlier, repeated payments are not made.

1. What amount of compensation will the DEPOSITER receive up to and including the year of birth in 1945, if the deposit balance as of June 20, 1991 is 2000 rubles? The deposit is valid (there is a savings book). The investor has not previously received compensation.

Since the depositor has not previously applied for compensation, the amount of 3 times the compensation to be paid to the depositor will be 6,000 rubles.

1. What amount of compensation will the DEPOSITER receive up to and including the year of birth in 1945, if the deposit balance as of June 20, 1991 is 2000 rubles? The deposit was closed in November 1991 (there is no savings book).

1. What amount of compensation will the DEPOSITER receive up to and including the year of birth in 1945, if the deposit balance as of June 20, 1991 is 2000 rubles? The deposit was closed in 1992 (there is no savings book). The investor has not previously received compensation.

Depositors-citizens of the Russian Federation born in 1945 inclusive have the right to receive compensation in 2019 in the amount of 3 times the deposit balance as of June 20, 1991.

Since the depositor has not previously received compensation, the amount of 3 times the compensation to be paid to the depositor will be 3,600 rubles.

The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.6 * 3 = 3600 rub.

1. What amount of compensation will the DEPOSITER receive up to and including the year of birth in 1945, if the deposit balance as of June 20, 1991 is 2000 rubles? The deposit was closed in 1993 (there is no savings book). The investor has not previously received compensation.

Depositors-citizens of the Russian Federation born in 1945 inclusive have the right to receive compensation in 2019 in the amount of 3 times the deposit balance as of June 20, 1991.

Since the depositor has not previously received compensation, the amount of 3 times the compensation to be paid to the depositor will be 4,200 rubles.

The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.7 * 3 = 4200 rub.

1. What amount of compensation will the DEPOSITER receive up to and including the year of birth in 1945, if the deposit balance as of June 20, 1991 is 2000 rubles? The deposit was closed in 1994 (there is no savings book). The investor has not previously received compensation.

Since the depositor has not previously received compensation, the amount of 3 times the compensation to be paid to the depositor will be 4800 rubles.

The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.8 * 3 = 4800 rub.

1. What amount of compensation will the DEPOSITER receive up to and including the year of birth in 1945, if the deposit balance as of June 20, 1991 is 2000 rubles? The deposit was closed in 1995 (there is no savings book). The investor has not previously received compensation.

Depositors-citizens of the Russian Federation born in 1945 inclusive have the right to receive compensation in 2019 in the amount of 3 times the deposit balance as of June 20, 1991.

Since the depositor has not previously received compensation, the amount of 3 times the compensation to be paid to the depositor will be 5,400 rubles.

The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 0.9 * 3 = 5400 rub.

1. What amount of compensation will the DEPOSITER receive up to and including the year of birth in 1945, if the deposit balance as of June 20, 1991 is 2000 rubles? The deposit was closed in 1996-2019. (no passbook). The investor has not previously received compensation.

Depositors-citizens of the Russian Federation born in 1945 inclusive have the right to receive compensation in 2019 in the amount of 3 times the deposit balance as of June 20, 1991.

Since the depositor has not previously received compensation, the amount of 3 times the compensation to be paid to the depositor will be 6,000 rubles.

The amount of compensation for this deposit is calculated as follows: 2000 rubles. * 1 * 3 = 6000 rub.

1. What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the deposit balance as of June 20, 1991 is 800 rubles? The deposit is valid (there is a savings book). The investor has not previously received compensation.

Depositors are citizens of the Russian Federation 1946-1991. births are entitled to receive compensation in 2019 in the amount of 2 times the deposit balance as of June 20, 1991.

The compensation coefficient for the current deposit is 1.

1. What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the deposit balance as of June 20, 1991 is 800 rubles? The deposit was closed in December 1991 (there is no savings book).

In accordance with Decree of the Government of the Russian Federation No. 1092 dated December 25, 2009, no compensation is paid for deposits closed between June 20, 1991 and December 31, 1991.

1. What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the deposit balance as of June 20, 1991 is 800 rubles? The deposit was closed in 1992 (there is no savings book). The investor has not previously received compensation.

The compensation coefficient for the deposit closed in 1992 is 0.6.

Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will be 960 rubles.

The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.6 * 2 = 960 rub.

1. What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the deposit balance as of June 20, 1991 is 800 rubles? The deposit was closed in 1993 (there is no savings book). The investor has not previously received compensation.

Depositors - citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the deposit balance as of June 20, 1991.

The compensation coefficient for the deposit closed in 1993 is 0.7.

Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will be 1120 rubles.

The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.7 * 2 = 1120 rub.

1. What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the deposit balance as of June 20, 1991 is 800 rubles? The deposit was closed in 1994 (there is no savings book). The investor has not previously received compensation.

Depositors - citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the deposit balance as of June 20, 1991.

The compensation coefficient for the deposit closed in 1994 is 0.8.

Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will be 1280 rubles.

The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.8 * 2 = 1280 rub.

1. What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the deposit balance as of June 20, 1991 is 800 rubles? The deposit was closed in 1995 (there is no savings book). The investor has not previously received compensation.

Depositors - citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the deposit balance as of June 20, 1991.

The compensation coefficient for the deposit closed in 1995 is 0.9.

Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will be 1,440 rubles.

The amount of compensation for this deposit is calculated as follows: 800 rubles. * 0.9 * 2 = 1440 rub.

1. What amount of compensation will the INVESTOR 1946-1991 receive? birth, if the deposit balance as of June 20, 1991 is 800 rubles? The deposit was closed in 1996-2019. (no passbook). The investor has not previously received compensation.

Depositors - citizens of the Russian Federation 1946 - 1991 births are entitled to receive compensation in 2019 in the amount of 2 times the deposit balance as of June 20, 1991.

The compensation coefficient for a deposit closed in 1996-2019 is equal to 1.

Since the depositor has not previously received compensation, the amount of 2-fold compensation to be paid to the depositor will be 1,600 rubles.

The amount of compensation for this deposit is calculated as follows: 800 rubles. * 1 * 2 = 1600 rub.

Compensation payments to HEIRS of a deceased investor

1. What compensation is paid in 2019 to the HEIRS of a deceased investor? What is the amount of this compensation?

In 2019, compensation payments on deposits are made to the heirs of a deceased investor, provided that the investor was a citizen of the Russian Federation on the day of death.

To heirs who are citizens of the Russian Federation:

- up to and including 1945 compensation is paid in the amount of 3 times the balance of deposits as of June 20, 1991 (based on the face value of banknotes in 1991);

- Born 1946 - 1991 compensation is paid in the amount of 2 times the balance of deposits as of June 20, 1991 (based on the face value of banknotes in 1991).

The amounts of these compensations depend on the period of storage of deposits and are reduced by the amounts of previously received preliminary compensation (compensation) and additional compensation.

For deposits closed during the period from June 20, 1991 to December 31, 1991, compensation in the amount of 2 times and 3 times the balance of deposits is not paid.

If a depositor who is a citizen of the Russian Federation died in 2001–2019, then his heirs or individuals who paid for funeral services are paid compensation for funeral services.

The amount of compensation for funeral services depends on the balance of deposits as of June 20, 1991 and cannot exceed 6,000 rubles.

1. How is compensation calculated in the amount of 2 times and 3 times the balance of deposits for payment to the HEIRS?

In 2019, the heirs of the deceased investor are paid compensation in the amount of 2 times or 3 times the amount of the balance of deposits, provided that the investor on the day of death was a citizen of the Russian Federation and the heir is a citizen of the Russian Federation.

The amount of 2-fold or 3-fold compensation payable to the heir on the deposit of the deceased investor depends on:

Year of birth of the HEIRS;
- deposit storage period (deposit closed or active);
- the inherited share of the HEIRS;
- amounts of previously paid compensation.

To determine the amount of compensation due to the heir for the deposit of a deceased investor, you must contact the structural unit at the place where the deposit is stored.

1. The deposit is NOT willed. What documents must be presented to the HEIRS of a deceased investor to receive compensation for this deposit?

Identity document;
- a document confirming inheritance rights;

1. A testamentary disposition was drawn up in the bank regarding the deposit. What documents must be presented to the HEIRS of a deceased investor to receive compensation for this deposit?

If a testamentary disposition for a deposit was drawn up at the bank before March 1, 2002*, compensation is paid to heirs who are citizens of the Russian Federation upon presentation of:

If a testamentary disposition for a deposit was drawn up in a bank on March 1, 2002 or later*, payment of compensation to heirs who are citizens of the Russian Federation is made upon presentation of:

Identity document;

- death certificate of the investor;
- savings book (if the deposit is valid);
- a document confirming that the investor on the date of death was a citizen of the Russian Federation (if necessary).

The heir fills out an application for compensation.

* in connection with the entry into force of the third part of the Civil Code of the Russian Federation (Federal Law No. 147-FZ of November 26, 2001 “On the entry into force of the third part of the Civil Code of the Russian Federation”)

1. The deposit is bequeathed by a notary. What documents must be presented to the HEIRS of a deceased investor to receive compensation?

To receive compensation for the deposit of a deceased investor, an heir who is a citizen of the Russian Federation must present:

Identity document;
- certificate of the right to inheritance under a will;
- death certificate of the investor;

- savings book (if the deposit is valid).

The heir fills out an application for compensation.

1. THE HEIRS cannot personally apply for compensation for the deposit of a deceased investor. How is compensation paid in this case?

If an heir who is a citizen of the Russian Federation cannot personally contact the bank, then compensation may be paid to the heir’s Trustee.

To receive compensation, the heir's authorized representative must present:

Identity document;
- power of attorney from the heir with the right to receive compensation;
- a document confirming the inheritance right of the heir to the deposit of the deceased investor;
- a document confirming that the investor on the date of death was a citizen of the Russian Federation (if necessary);
- a document confirming that the heir is a citizen of the Russian Federation (if necessary);
- death certificate of the investor;
- a savings book in the name of the depositor (for the current deposit).

For the current deposit, compensation is issued on the basis of a power of attorney:

• issued for this deposit in a structural unit of PJSC Sberbank;
• certified in accordance with Article 185.1 of the Civil Code of the Russian Federation:

Notary;

The administration of the inpatient medical institution in which the heir is undergoing treatment;

The organization in which the heir works or studies.

For a closed deposit, compensation is issued on the basis of a power of attorney certified by a notary.

The heir's authorized representative fills out an application for compensation.

1. What amount of compensation will the HEIRS up to and including the year of birth in 1945 receive? Investor born in 1975 a citizen of Russian Federation. The investor died in 2019. Deposit with balance as of June 20, 1991 – 1500 rubles. The deposit is valid (there is a savings book). The heir is entitled to the entire contribution (there is only one heir). The investor did not receive compensation during his lifetime.

Heirs-citizens of the Russian Federation up to and including 1945 in 2019 have the right to receive compensation in the amount of 3 times the deposit balance as of June 20, 1991, regardless of the year of birth of the deceased depositor.

The compensation coefficient for the current deposit is 1.

Since previously no compensation for the deposit was paid and the heir is entitled to the entire deposit, the amount of compensation due to be paid to the heir will be 4,500 rubles.

The amount of compensation for this deposit is calculated as follows: 1500 rubles. * 1 * 3 = 4500 rub.

1. What amount of compensation will the HEIRS 1946-1991 receive? birth? Investor born in 1940 a citizen of Russian Federation. The investor died in 2019. Deposit with balance as of June 20, 1991 – 900 rubles. The deposit is valid (there is a savings book). The heir is entitled to the entire contribution (there is only one heir). The investor did not receive compensation during his lifetime.

Heirs-citizens of the Russian Federation 1946-1991. those born in 2019 are entitled to receive compensation in the amount of 2 times the deposit balance as of June 20, 1991, regardless of the year of birth of the deceased depositor.

The compensation coefficient for the current deposit is 1.

Since previously no compensation for the deposit was paid and the heir is entitled to the entire deposit, the amount of compensation due to be paid to the heir will be 1,800 rubles.

The amount of compensation for this deposit is calculated as follows: 900 rubles. * 1 * 2 = 1800 rub.

1. How can one confirm the citizenship of a deceased person in order to receive compensation for a deposit?

The following may be accepted as documents confirming the citizenship of the testator:

Certificate from the housing maintenance organization confirming the citizen’s registration at his place of residence;
- a certificate from the place of work of the deceased about his place of residence;
- extract from the house register;
- other certificates.

These certificates are accepted only if they indicate the citizenship and/or identification document of the testator (passport of a citizen of the Russian Federation, an insert for a USSR passport indicating Russian citizenship).

If it is necessary to establish the citizenship of the Russian Federation of the investor, individuals (heirs of investors) can contact the passport and visa service at the last place of residence of the investor on the territory of the Russian Federation on this issue.

1. The heir has dual citizenship (one of them is Russian). Is it possible to pay compensation to this heir?

Yes, compensation is paid upon presentation of:

A document confirming citizenship of the Russian Federation;
- a document confirming inheritance rights;
- death certificate of the investor;
- savings book (if the deposit is valid);
- a document confirming that the investor on the date of death was a citizen of the Russian Federation (if necessary).

The heir must fill out a corresponding application.

1. Can grandchildren receive compensation for a deposit if the investor-grandmother and her heirs die? What documents are needed?

Yes, they can upon presentation:

Identity document;
- a document confirming the inheritance right to the grandmother’s deposits;
- grandmother’s death certificate;
- savings book (if the deposit is valid);
- a document confirming that the grandmother on the date of death was a citizen of the Russian Federation (if necessary).

It is necessary to fill out a corresponding application.

1. Mom had a deposit open in Sberbank until June 20, 1991; after her death, dad took over the inheritance. He also died, his daughter has not yet entered into the inheritance. Can a daughter receive compensation for her mother's contribution?

The daughter will be able to receive compensation after entering into an inheritance, since compensation for deposits is paid to heirs only upon presentation of documents confirming inheritance rights. In this case, the amount of compensation will be reduced by the amount of compensation paid during the lifetime of mom and dad.

Compensation for payment of RITUAL services in the event of the death of the investor in 2001-2019

1. Who can receive compensation to pay for RITUAL services in the event of the death of the investor in 2001-2019?

Compensation for funeral services in the event of the death of a depositor who is a citizen of the Russian Federation in 2001-2019 is paid:

To the heirs of the investor;
- or to individuals who paid for funeral services (before the expiration of 6 months from the date of opening of the inheritance).

The investor's heir or individual may be citizens of the Russian Federation or foreign citizens or stateless persons.

1. What documents must be presented to the HEIRS of a depositor who died in 2001-2019 in order to receive compensation for funeral services for 2001-2019?

To receive compensation for funeral services on the deposit of a depositor who died in 2001-2019, the heir must present:

Identity document;
- death certificate of the investor;
- a document confirming inheritance rights (if necessary);
- savings book (if the deposit is valid);
- a document confirming that the investor on the date of death was a citizen of the Russian Federation (if necessary).

The heir fills out an application for compensation.

1. Can an individual who is not an heir receive compensation to pay for RITUAL services?

Compensation for payment for funeral services in the event of the death of an investor-citizen of the Russian Federation in 2001-2019 can be paid to individuals who paid for funeral services, based on a notary’s decision (before the expiration of 6 months from the date of opening of the inheritance), as well as upon presentation of a passport and death certificates of the deposit owner.

1. To which bank division should an individual who has a notary's decree on reimbursement of expenses for funeral services be contacted to receive compensation for payment for RITUAL SERVICES?

In the event of the death of a depositor in 2001-2019, an individual who is not an heir, but who has paid for funeral services, may apply for compensation for payment of funeral services to any internal structural unit of the bank region at the place of storage of the deposits of the deceased investor and present an identification document, a notary's decree and a death certificate of the owner of the deposit.

A corresponding application for compensation is drawn up.

1. Can the HEIRS of a depositor who died in 2001-2019 receive additional compensation for funeral services?

Additional payment of compensation for funeral services in the event of the death of an investor - a citizen of the Russian Federation who died in 2001-2019, can be made to the heir of the investor who received part of the compensation for funeral services, if he presents documents confirming his inheritance right to the unpaid part of the compensation to pay for funeral services.

Heirs who received compensation for funeral services in the amount due to them (depending on the balance of deposits as of June 20, 1991) are not re-paid.

Additional payment of compensation for funeral services on the deposit of a depositor who died in 2001-2019 can be made upon presentation of:

An identity document of the heir;
- death certificate of the investor;
- savings book (if the deposit is valid);
- the heir - the surviving spouse who applied for compensation to pay for funeral services - a certificate of ownership of ½ of the contribution;
- the heir who presented a certificate of the right to inheritance for ½ of the contribution - a certificate of ownership for the second part of the contribution, or the presented certificate of the right to inheritance/certificate of ownership must indicate information about the heirs for the second part of the contribution.

The heir must fill out a corresponding application with the Bank.

1. How is the amount of compensation for RITUAL services calculated?

Compensation for funeral services is paid to heirs or individuals who paid for funeral services in the event of the death of the investor in 2001-2019:

In the amount of 6 thousand rubles, if the amount of deposits of the deceased owner indicated in the application for payment of compensation is equal to or exceeds 400 rubles. (based on the nominal value of banknotes in 1991);

In an amount equal to the amount of deposits of the deceased owner 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).

The depositor died in 2019. The balance of deposits as of June 20, 1991 is 1000 rubles. There is only one heir. The heir will be paid 6,000 rubles to pay for funeral services.

The depositor died in 2019. The balance of deposits as of June 20, 1991 is 300 rubles. There is only one heir. The heir will be paid 4,500 rubles to pay for funeral services. (300 rub. x 15 = 4500 rub.)

Other questions

1. Deposit in another city. How to get compensation? On the basis of what documents is the transfer of compensation carried out? Is it a paid service to transfer the compensation amount to another structural unit of the bank?

In this case, the depositor (heir) must contact any structural unit of Sberbank PJSC and fill out the appropriate application for transfer (form 143), providing the documents necessary to receive compensation (including a savings book, if available).

When transferring the amount of compensation accrued on an existing deposit, a fee is charged in the amount determined by the Bank's tariffs for making money transfers.

When transferring compensation for a closed deposit, no commission is charged for this operation.

1. Why is compensation only paid for savings made before June 20, 1991?

On July 13, 1990, by the resolution of the Supreme Court of the RSFSR “On the State Bank of the RSFSR and banks on the territory of the republic,” the Russian Republican Bank of the Savings Bank of the USSR was transformed into Sberbank of the RSFSR and declared the property of the RSFSR.

On June 20, 1991, the Bank of Russia registered the charter of Sberbank of Russia as a joint-stock commercial bank.

In accordance with the Federal Law “On the restoration and protection of savings of citizens of the Russian Federation” No. 73-FZ dated May 10, 1995, deposits opened in Sberbank of Russia before June 20, 1991 are recognized as state internal debt.

Therefore, they are subject to compensation from the federal budget of the Russian Federation.

1. Why is 2-fold and 3-fold compensation not paid in 2019 for deposits closed between 06/20/1991 and 12/31/1991?

Decree of the Government of the Russian Federation dated December 25, 2009 No. 1092 approved the Rules for the implementation in 2010-2019 of compensation payments to citizens of the Russian Federation on deposits in the Savings Bank of the Russian Federation.

According to these Rules, in 2019, for deposits closed between June 20, 1991 and December 31, 1991, compensation in the amount of 2 times and 3 times the balance of deposits is not paid.

1. What compensation is paid for deposits closed between June 20 and December 31, 1991?

For deposits closed between June 20 and December 31, 1991, only compensation is paid for funeral services in the event of the death of the deposit owner in 2001-2019. heirs or individuals who paid for funeral services. Compensation for funeral services is paid provided that the owner of the deposit on the day of death was a citizen of the Russian Federation.

1. What compensation can foreign citizens receive?

In 2019, no compensation will be paid to depositors who are foreign citizens.

Heirs - foreign citizens can receive compensation to pay for funeral services on the deposits of investors who died in 2001-2019. Provided that the investor on the day of death was a citizen of the Russian Federation and previously no compensation was paid for funeral services.

Depositors or heirs born before 1991 inclusive, having dual citizenship (one of which is citizenship of the Russian Federation), have the right to receive compensation in the amount of 2 times or 3 times the balance of deposits in the generally established manner upon presentation of documents confirming citizenship of the Russian Federation.

1. The deposit was opened in 1990 by the depositor (Ivanov) in the name of the depositor (Petrov). The depositor (Petrov) did not assert his rights to this deposit. Does the contributor (Ivanov) have the right to receive compensation?

If, for a deposit in favor of a third party, opened by the depositor before June 20, 1991, the depositor did not express in any way the intention to exercise his rights (that is, there is no sample signature of the depositor; no debit transactions were made (except for the operation to pay compensation to the depositor) ; a will or power of attorney drawn up outside the VSP was not presented; the funds came only from the contributor, a statement about the loss of the savings book was not drawn up), then, taking into account Article 842 of the Civil Code of the Russian Federation, payment of compensation can be made to the contributor, provided that it belongs to category of citizens entitled to receive it.

1. Is compensation paid for deposits opened before June 20, 1991 on the territory of the republics that were part of the former USSR?

The procedure for payment of deposits, including compensation, made on the territory of states that were previously part of the former USSR is regulated by the legislative acts of the relevant states.

For questions related to deposits opened outside the Russian Federation, you should contact the successor bank of debt obligations located on the territory of the relevant state. The list of banks and their addresses can be found on the bank’s website in the section “Private clients” - “Deposits” - “Compensation for deposits” -.

1. From what time are compensation for “burnt” savings made?

The first compensation was made in 1991 in accordance with Presidential Decree No. 1708 of March 22, 1991. All deposits valid as of March 1, 1991 were subject to compensation. The amount of compensation was 40% of the deposit balance as of March 1, 1991.

In accordance with Presidential Decree No. 327 of February 17, 1994, the next lump sum compensation was made in 1994 in the amount of three times the balance of deposits as of January 1, 1992.

Starting from June 10, 1996, the state has been gradually compensating deposits as of June 20, 1991. It can be found on the bank’s website in the section “Private clients” - “Deposits” - “Compensation for deposits” - “History of payment of compensation for deposits”.

1. It was announced that double and triple compensation for deposits would be paid. Why did I get paid less?

In accordance with Government Decree No. 1092 of December 25, 2009, the amount of compensation payable in 2019 is reduced by the amount of compensation previously received.

1. Is it necessary to apply for compensation to VSP at the place where the deposit was opened?

To receive compensation for deposits, you can contact any structural unit of Sberbank PJSC that carries out transactions with deposits of individuals and fill out a corresponding application.

1. The investor received compensation, but does not agree with the amount of compensation. What to do?

Use for depositors on the website (in the section “Private clients” - “Deposits” - “Compensation for deposits”) to calculate the amount of compensation.

On the bank’s website www.site through “Feedback”, submit a statement of disagreement with the amount of accrued compensation. Get a unique case number.

You can also contact any structural unit of Sberbank PJSC with your passport and submit a written statement of disagreement with the amount of accrued compensation. The depositor must be informed of the number of the registered appeal.

This year, the Government of the Russian Federation continues to make compensation payments to the population on Sberbank deposits issued before 1991. Payments are made on the basis of Russian Federation Law No. 73-FZ, adopted on May 10, 1995.

At that time, approximately 40 million people entrusted their savings to Sberbank. To fulfill guarantee obligations to investors in the federation budget for 2018-2020. pledged 5.5 billion rubles annually.

According to calculations, the approximate amount of savings invested in Sberbank at the end of June 1991 was 315.3 billion rubles. The government, since 1996, has been taking measures to restore lost savings. First of all, socially vulnerable segments of the population - disabled people and pensioners - received compensation.

Citizens who had funds left in their savings books and who had not previously received compensation and whose year of birth was not later than 1991 can count on reimbursement of USSR deposits. Please note that payments are due exclusively to citizens of the Russian Federation. There are categories of persons who cannot claim compensation for 1991 deposits:

• citizens born in 1991 or after;
• persons who opened and deposited funds into an account after June 20, 1991;
• if the deposit was closed between 06/20/1991 and until the end of 1991;
• subject to full compensation of payments;
• in the event of the death of the investor, unless the successor documents the degree of his relationship.

How compensation for 1991 deposits will be paid in 2018

In order to make compensation payments to the population, it is necessary to re-evaluate the frozen funds and correlate the Soviet ruble with the Russian ruble. For these purposes, USSR deposits will be indexed. The amount of compensation directly depends on age: persons born no later than 1945 will receive a threefold increase in the balance of savings, and citizens born between 1945 and 1991 will only receive a twofold increase in the balance of funds in the account.

For example, if the balance of savings on the savings book was 4 thousand USSR rubles, and the owner of the deposit was born in 1943, then he will receive 12 thousand rubles of the Russian Federation in compensation (4000 multiplied by 3), and if the same amount was in the account of the depositor who was born in 1947, then he can only count on 8 thousand rubles in compensation (4000 times 2).

To receive payments, you should come with your original passport and savings book to any Sberbank branch. Bank employees will ask you to fill out a corresponding application form. If you lose your passbook, you must provide proof of the loss. Also, if it is impossible for the investor to come to the branch in person, you can instruct your representative to do this by issuing a notarized power of attorney for him.

Based on the Decree of the Government of the Russian Federation No. 1092 “On the procedure for making compensation payments to citizens of the Russian Federation on deposits in Sberbank of Russia,” approved back in December 2009, depositors of the Savings Bank who opened a deposit before June 20, 1991 can receive a cash compensation payment in the prescribed manner. Compensation for Sberbank deposits is financed from the federal budget. The government allocates 5.5 million rubles a year to return funds to USSR investors or their heirs.

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Who can receive compensation for Sberbank deposits

The legislation of the Russian Federation determines the list of persons entitled to receive compensation payments. These include:

• depositors who have an open (current) deposit as of June 20, 1991 and have Russian citizenship;
• heirs of depositors (citizens of the Russian Federation) who have a valid deposit in Sberbank as of June 20, 1991 (if the depositor himself has died);
• USSR investors born up to and including 1945 (compensation payments to them are made threefold);
• USSR investors born between 1946 and 1991 (compensation payments to them are made in double amounts).

Important! If an applicant for compensation for deposits in Sberbank has the right to receive a payment of two or three times the amount of the deposit, the amounts of preliminary and additional compensation received earlier will be deducted from the compensation payment.

Deposits will not be compensated in the following cases:

• opened after June 20, 1991;
• closed from June 20 to December 31, 1991 inclusive;
• were received by the investor or heirs earlier;
• the deceased investor was not a citizen of the Russian Federation at the time of death;
• the deposit was opened on the territory of another state that was part of the USSR at that time;
• the investor, a citizen of Russia, has died, and his heirs are not citizens of the Russian Federation.

Amount and amounts of compensation

Based on the fact that depositors born before 1945 inclusive, and those born between 1946 and 1991, are entitled to compensation for their deposit in the amount of three times and two times, respectively, the amount of compensation payments is calculated using the following formulas:

1. For three times the payout: (Ov × Kk × 3) – Rk, where:

• Ov – the balance of the deposit as of June 20, 1991;
• Kk – coefficient of compensation payments;
• Rk – the amount of previously received preliminary/additional compensation or reimbursed expenses for funeral services.

To determine the amount of double compensation: (Ov × Kk × 2) – Rk.

When calculating the amount of compensation payments, the following factors are taken into account:

• the balance of funds in the deposit account as of June 20, 1991;
• year of birth of the depositor;
• validity period of the deposit.

The following points influence the amount of payments to heirs:

• the age of the person who inherited the deposit;
• deposit validity period;
• deposit status (open or closed);
• the size of the share in the inheritance;
• the amount of compensation previously paid on the deposit.

To determine the amount of compensation taking into account the period of storage of funds on deposit, the calculation will be made using the appropriate coefficients:

• 1 – for deposits open to this day, as well as for deposits active in the period from 1992 to 2019 and closed in the period from 1996 to 2019;
• 0.9 – for deposits operating from 1992 to 1994 and closed in 1995;
• 0.8 – for deposits valid in 1992-1993. and closed in 1994;
• 0.7 – for deposit accounts that were still open in 1992 and closed in 1993;
• 0.6 – for old deposits closed in 1992.

Example. Investor Pavlovsky M.F. born in 1943. On June 20, 1991, the amount on deposit was 1.5 thousand rubles. The deposit is valid at the time of applying to Sberbank for compensation payment, that is, there is a savings book. The investor had not previously received any compensation. Hence:

• since the investor Pavlovsky M.F. born before 1945, he is entitled to 3 times the amount of payment;
• since the deposit is still valid and not closed, a coefficient equal to one is applied.

Substituting the data into the formula for calculating the compensation payment, we get: (1500 × 1 × 3) – 0 = 4500 rubles.

This is the amount that will be paid to citizen M.F. Pavlovsky. with compensation for a deposit opened before the collapse of the USSR.

Example. Depositor V.L. Osipov, born in 1965, had a deposit opened before June 20, 1991 in the amount of 950 rubles. He does not have a savings book, since the deposit was closed in November 1991. Considering that the savings account was closed by the depositor before December 31, 1991, the right to compensation in accordance with clause 6 of Resolution of the Government of the Russian Federation No. 1092, Osipov V.L. does not have.

If he had waited two months to close the deposit, he would have been able to receive double compensation, since he was born after 1945. And to calculate the payment amount in his case, a coefficient of 0.6 would be applied (if the deposit was closed in January 1992).

Features of receiving compensation for deposits in 2019

The payment procedure and amount of compensation are determined by Article 15 of Federal Law 362-FZ (adopted in December 2017). According to this legislative act, compensation payments for deposits opened on June 20, 1991 will be made throughout 2018-2020. A special expense item for compensation was included in the state budget in advance. The state will annually allocate 5.5 million rubles for three years to compensate for the financial losses of USSR investors.

In the process of accrual and production, compensation payments to Sberbank depositors, as well as heirs of deposit owners, will be made in accordance with the requirements and standards established by Federal Law No. 73 “On the restoration and protection of savings of citizens of the Russian Federation” (1995). According to Federal Law No. 362, citizens of the Russian Federation can receive compensation for guaranteed savings. These include:

• USSR-era treasury bonds;
• certificates issued by the Savings Bank of the USSR.

Depositors will begin to receive compensation for USSR deposits as soon as Sberbank receives funding to return deposits from the federal budget. Paragraph 5 of Article 15 of Federal Law No. 362 “On the federal budget for 2019 and for the planning period 2019-2020” states that for deposits of Russians for which they previously received preliminary or additional compensation, as well as compensation for burial expenses of a deceased depositor , compensation payments will no longer be made.

In the event of the death of a depositor during the period from 2001 to 2019, who had an open deposit with the Savings Bank as of June 20, 1991 and closed it after December 31, 1991, compensation is paid to the heirs or individuals who paid for all ritual and other services related to the burial deceased. Compensation to heirs for funeral expenses of investors is carried out in the manner and amount established by Federal Law No. 238 “On the Federal Budget for 2007”.

The size of the compensation payment for funeral services is determined based on the balance of funds on the deposit as of June 20, 1991. Regardless of the deposit balance, compensation cannot exceed an amount equal to 6 thousand rubles. The maximum payment can be received by persons who have buried a depositor whose deposit as of 1991 (June 20) was 400 rubles or more. If the deposit amount was less than this amount, compensation will be paid 15 times based on the balance of funds on the deposit.

Attention! Payment of compensation for funeral services in connection with the funeral of a depositor who died between 2001 and 2019 is paid even if his deposit, valid as of June 20, 1991, was closed from June 21 to December 31 of the same of the year.

If the deceased owner of deposits had several, then compensation for expenses for funeral services in connection with his funeral will be paid only for one of them. Previously received compensation payments will not be deducted from the amount of compensation for funeral services. This means that even if the deceased received some payments on deposits during his lifetime, the person who paid for the funeral will still receive the required 6 thousand rubles (if the deposit amount exceeded 400 rubles) or fifteen times the balance on the deposit account, which was 20 June 1991.

Heirs who are citizens of other countries can also receive this type of compensation (to pay for funeral services), provided that the investor (testator) was a citizen of the Russian Federation at the time of death. In the event that the heirs of a depositor who is a citizen of the Russian Federation have dual citizenship, they have the right to receive double and/or triple compensation in the manner established by Russian legislation.

In 2019, Sberbank is also paying compensation for targeted children's deposits opened at the USSR Savings Bank in the 80s-90s of the last century, provided that they fall under the general criteria for compensated deposits. Sberbank pays compensation for deposits that:

• open until June 20, 1991;
• are valid (have a passbook) or were closed in 1992 and later.

Depositors born before 1991 inclusive can receive a targeted deposit for children, that is, children in whose name the deposit was opened before the collapse of the USSR or their heirs (in the event of the sudden death of the deposit owner).

Example. A depositor born in 1973 on June 20, 1991 had an active deposit in the amount of 1,800 rubles. In 2017, he died tragically. The heir was his grandmother, born in 1944, who raised her grandson alone (the parents were deprived of parental rights). The deceased investor did not receive any compensation during his lifetime.

In this case:

• coefficient 1 will be applied, since the deposit is not closed and there is a savings book;
• the payment will be made in three times the amount, since the heir, that is, the grandmother, was born before 1945, and the year of birth of the deceased investor is not taken into account.

If the grandmother-heiress contacts Sberbank to receive compensation for the children’s target deposit, she will be able to count on the amount: (1800 × 1 × 3) – 0 = 5400 rubles.

There are also opposite situations, when an heir born between 1946 and 1991 inherited a contribution from a testator born before 1945. Then, instead of three times the compensation payment, he will receive two times.

There are a number of other significant features of compensation payments in 2019 for Sberbank deposits valid as of June 20, 1991:

1. If a deposit opened before June 20, 1991 was closed between 1992 and 2019, the depositor or his heir does not have a savings book in hand, he should personally appear at the bank branch where the deposit was kept. You can contact any structural unit of Sberbank in which he wants to receive the amount of compensation payment due to him by law.
2. If the deposit is not closed and is valid at the time of applying for compensation, but the savings book is lost and missing, the depositor or his legal successor should go to the Sberbank branch where the deposit account was actually opened. There he should write a statement about the loss of the passbook along with an application for compensation.
3. If the depositor or his heir has Russian citizenship, but is located in the territory of another country, he also has the right to compensation if he had/has a deposit opened with the Savings Bank before the established date (06/20/1991). He can appear in person to receive the payment or delegate these powers to a trusted person by issuing a notarized power of attorney in his name.
4. In the event that a deposit account was opened by the depositor in favor of a third party (depositor) who has never claimed rights to this deposit, under certain conditions the depositor may qualify for compensation for this deposit. Based on Art. 842 of the Civil Code of the Russian Federation, he can be recognized as a person entitled to receive compensation for deposits in Sberbank in 2019 - 2020. But for this it is necessary that:

• during the validity period of the deposit, the depositor has never expressed a desire to exercise his right to dispose of it;
• the completed will or power of attorney for disposal of the deposit outside the structural banking unit was not submitted to the bank;
• there was no statement about the loss of the savings book on behalf of the depositor;
• funds to the account came only from the depositor who opened the account in the name of the depositor.

If the deposit was opened in a Savings Bank, the structural unit of which was located on the territory of the republics that were part of the Soviet Union, depositors cannot receive compensation from the Savings Bank of the Russian Federation. To clarify the circumstances regarding deposits, you must contact the successor institutions of the USSR Savings Bank located on the territory of the states that left the USSR. This issue is regulated exclusively by the legislation of each specific state.

To receive a payment, it is not necessary to go to the bank branch where the deposit account was opened and the savings book was issued. You can submit an application for payment of compensation at any branch of Sberbank that carries out transactions with deposits.

To make approximate calculations of the amount of compensation payments, you can use an online calculator. It is freely available on the official website of Sberbank or use the simple formula given above.

The order of receiving compensation payments on deposits is not defined by law. Each depositor or heir who has a deposit compensated in 2019 can, at a time convenient for him, seek advice from Sberbank and write an application. You must attach the required documents to your application and wait for the payment to be credited.

List of required documents

The list of documents that must be submitted to the bank to receive monetary compensation for USSR deposits differs depending on who receives the deposit - the depositor himself or his heir.

For an investor, the list of documents is minimal:

• application for compensation payment;
• passport of a citizen of the Russian Federation;
• savings book (if the deposit is still valid at the time of contacting the bank).

To receive the payment, the heirs will need to submit several more documents to the bank:

• application for compensation for an inherited deposit;
• passport of a citizen of the Russian Federation;
• a document granting inheritance rights (will, notarial certificate, testamentary disposition, etc.);
• death certificate of the testator (investor).

If there is a will, drawn up and certified by a notary, according to which the deposit passes to a specific person (successor), it is necessary to provide this document to the bank, since it gives the right to inherit the deposit, and, accordingly, to receive compensation payment for it.

If the deposit was not bequeathed, the legal heirs, Russian citizens, can apply to the bank to receive compensation. In this case, you may need to submit the following along with the main package of documents:

• a certificate confirming that the deceased had Russian citizenship;
• a savings book, if the deposit was not closed during the life of the depositor.

In the case where the deceased investor managed to draw up a testamentary disposition in the bank during his lifetime, the list of required documents depends on the time of execution of the disposition. If the document was drawn up before March 1, 2002, in order to receive payment on the deposit, the heir will only need to present:

• your passport, which proves your identity and confirms your Russian citizenship;
• savings book (if the deposit is still open);
• death certificate of the investor;
• papers confirming the Russian citizenship of the deceased owner of the deposit.

If the depositor executed a testamentary disposition after March 1, 2002 inclusive, the successor in order to receive compensation will have to bring to the bank another document confirming the right to accept the inheritance. Heirs who have expressed a desire to receive compensation for an inherited deposit must write a corresponding application and, together with other documents, submit it to a bank employee.

There are situations when the heir, due to current circumstances, cannot personally appear at the bank and submit an application for payment in his favor of compensation for the deposit passed to him by inheritance. In this case, a trusted person can do this for him. But here it is important to take into account that the general list of necessary documents will be supplemented with the following:

• identity document of the authorized person;
• power of attorney signed by the heir;
• documents confirming the Russian citizenship of the deceased investor and his heir (if necessary), etc.

A power of attorney by which a third party can submit an application to Sberbank and receive compensation for open (current) deposits, representing the interests of the heir, must be:

1. Compiled and executed at a Sberbank branch and regarding a specific deposit.
2. Certified in accordance with Article 185.1 of the Civil Code of the Russian Federation in one of the following ways:

• notary;
• the administration (management) of the medical institution where the heir is undergoing inpatient treatment;
• management of the institution/organization in which the heir is studying/working.

Depositors can also issue a power of attorney to a third party so that it represents their interests in the bank and receives compensation for their USSR deposits instead. In this case, a power of attorney, both for open and closed deposits, compensation payments are made only on the basis of a notarized power of attorney. Certification of the document by the administration of the medical institution or the management of the enterprise in this case will not work.

Attention! If the deposit is closed and the heir cannot personally submit an application and receive compensation, a trustee will be able to do this for him solely on the basis of a notarized power of attorney.

In cases where documentary evidence of the Russian citizenship of a deceased investor is required, this can be done using the following documents:

• certificate of registration of a deceased depositor, obtained from the housing office at his place of residence;
• a certificate received from the company, enterprise, institution where the investor worked/served during his lifetime;
• an extract from the house register, issued at the passport office at the place of registration of the deceased;
• other documents indicating the citizenship of the deceased investor.

The above certificates are taken into account by bank employees only if they contain information about the citizenship of the deceased. You can confirm that the investor was a citizen of the Russian Federation using documents proving his identity:

• various licenses (driver's, military, civil servant, etc.);
• passports;
• insert in the USSR passport, etc.

If the heir has dual citizenship, one of which is Russian, when applying to the bank to receive a compensation payment, he will need to present a document confirming that he is a citizen of Russia.

Poll: are you satisfied with the quality of services provided by Sberbank in general?

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The grandchildren of depositors, as well as other heirs, if there are no first-line heirs, can receive compensation for deposits of Sberbank of the USSR opened before June 20, 1991. It is important to present to the bank employee a document confirming the right to inheritance.

To receive compensation for the funeral expenses of a deceased investor, you will need a similar package of documents as in the case of compensation for contributions to heirs. If expenses in connection with the funeral of the investor were incurred by a third party who is not an heir, he also has the right to claim compensation payments based on the relevant decree of the notary.

Despite the fact that most investors will receive compensation in double and triple amounts, the amount of payments will be negligible. The purpose of making compensation payments to depositors is partial compensation for their financial losses. The amounts that Sberbank issues to deposit owners or their heirs today are disproportionate to what they had in their savings accounts in 1991.

But, one way or another, these “burnt” deposits, according to 73-FZ, are recognized as internal public debt and the state is obliged to fulfill its debt obligations to the people. People's opinions are divided - some are happy with what they are giving, while others are greatly offended by this blatant injustice and the demonstrative return of Soviet deposits.

In Soviet times, the phrase “Citizens, keep your money in a savings bank!” was very common and was considered the standard of civil responsibility. Anyone who listened to this advice could rest assured that he had made the 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 their money to be returned and are wondering how they can receive compensation for the damage they have suffered.

Payment procedure

At the moment, it is still ongoing for citizens of the country who made deposits before the collapse of the USSR. All accounts that, according to the laws of the country, are subject to protection and restoration, are gradually paid by the Savings Bank of the Russian Federation. The law on compensation to citizens for damage caused was adopted in 1995.

It became known that the country's budget plans to continue payments to victims of the bank bankruptcy in 1991. Taking into account the adopted law on compensation for damage, consideration of citizens' applications will continue from 2017 to 2019. Five million five hundred thousand rubles have been allocated from the budget for each year. This is exactly the amount pledged by the current government to pay off debt to citizens of the Russian Federation in order to cover the debt left by Sberbank of the USSR.

Regulatory acts

Many citizens are interested in what regulations will now govern the return of funds from investments made before 1991. All data is noted in the law on the state budget for this period. Basically, the government refers to the law that was adopted back in 1995. It is this that implies the return of depositors’ money and the state’s protection of its citizens from such problems.

Payment procedure

The government authorities have not yet approved the procedure. We only know that there are no changes in the payment scheme that were prescribed in the budget before. The latest changes in legislation regarding deposits made before June 20, 1991 were made in 2009, by Resolution No. 1092. Payments will begin when 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 payment has been made for funeral services or other types of compensation, he cannot receive money from this deposit again and the bank does not undertake to return the funds to the victims again.

Who can receive compensation

The question of most interest to the population is information about who will be able to receive compensation for deposits in the coming years. This information is specified in the law on the state budget for the current year. Citizens of the Russian Federation will be able to receive the following amounts.

Those depositors and heirs of deposits, whose year of birth is before 1945 inclusive, have the right to receive payments in the amount of three times increased account balances, in the state in which they were at the time of closure of the bank, that is, on June 20, 1991. Compensation for Sberbank deposits is calculated taking into account the nominal 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 previous issuances of compensation and commissions is subtracted from it.

Victims of a bank failure in the early nineties 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 nominal 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 previous issuances of compensation and commissions is subtracted from it.

In case of death of the investor

If the investor died between 2001 and this year, heirs or people who paid for funeral services can count on compensation. They are paid compensation for Sberbank deposits, as required by the law of the country, to pay for funerals and other expenses. In other words, the person who dealt with funeral issues has the right to receive 6 thousand rubles in compensation.

As for the heirs, they can receive payments on the deposits of citizens born before 1991. The age of the investor is not important in this case. The main thing is that no payments have been made on this deposit before. If compensation was previously paid for Sberbank deposits to pay for funeral services, then when calculating the amount it is not deducted from the total amount of money returned.

Who cannot receive compensation

Citizens who managed to close their deposits at the end of 1991 will not be able to receive payments on their deposits. This category of people is not paid double or triple compensation. Also, payments are not made to people who have already received doubled and tripled balances. The heirs and persons who were involved in this process cannot receive compensation in the amount of six thousand rubles for funeral services.

Calculation of the amount taking into account the nominal value

Payment for funeral services in the event of the death of a depositor and compensation for deposits before 1991 are paid according to federal law dated December 19, 2006. in the amount of 6 thousand rubles, only if the deceased’s savings book contained 400 rubles or more. If we take into account the nominal value of banknotes at that time, then the amount less than 400 rubles on the deceased’s book is reimbursed to the people or heirs involved in ritual expenses, in the amount of the contribution increased by fifteen times.

When the relevant authority accepts an application for payment of compensation to cover funeral services, a note is made on the depositor’s death certificate presented. It confirms that funds have been paid out and prevents further fraud.

Calculation of the payment amount taking into account the deposit storage period

Depending on how long the deposit was kept, the state calculates subsequent payments on it. 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 in the period from 1992 to 2012 and closed between 1996 and 2015, the number of this coefficient is 1.
• For deposits that were valid from 1992 to 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 for the year before are subject to calculation with a coefficient of 0.7.
• If the deposit was closed in 1992, then the coefficient is 0.6.
• If the deposit is closed from 06/20/91 to 12/31/91, the coefficient is zero and the amount is not paid.

That is, if we look at an example, a person who made a deposit and was born after 1945, who closed the deposit in 1995, will be able to count on compensation of his funds that will be doubled. This takes into account the fact that the amount is calculated using a coefficient whose value is 0.9.

Features of receiving compensation

Taking into account the information discussed above, it is worth paying attention to special points related to compensation payments. This will be useful to anyone who wants to receive compensation for damage and is interested in the details of who exactly can count on compensation for their losses.

People currently living in the country and their heirs who do not have citizenship of the Russian Federation will not be able to receive compensation. The budget does not provide for such expenses, and the law does not allow such payments. Also, people who live in other countries, have foreign citizenship or do not have it at all cannot count on payments. More detailed information can be obtained by contacting Sberbank; the hotline telephone number is listed on the official resource.

An important point is that Russian legislation does not provide for compensation for damage to citizens of countries that were formerly 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.

By law, payment of such bills is not calculated. Compensation for Sberbank deposits in 2016 took place according to this scheme. This year, all payments are made on the basis of changes in legislation regarding budget allocation for the current year.

What documents are needed

You can receive compensation at the Sberbank branch where the deposit itself was originally made and where it is currently located. To receive money, you must provide a certain list of documents.

The following documents must be provided for investors and their representatives:

• Documents confirming the identity of the recipient.
• If necessary, you need a document confirming that this is a person authorized to receive compensation for the deposit.
• A previously completed application regarding the desire to receive compensation must first be done at a bank branch.
• If available, then you need a Sberbank savings book.
• If not available, then a statement about the loss of the passbook.
• If the deposit was closed between 1992 and 2015, you need to provide a special application, which is pre-issued at the bank.

Heirs of investors need to collect the same documents, but with one difference: instead of confirming a power of attorney, they must provide a document on the right to inheritance, a death certificate of the investor, as well as a certificate stating that the investor 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 out information?

All necessary data can be clarified from Sberbank employees, including what documents are needed to pay compensation. On the bank's website there is a form for filling out an application to receive money, or you can personally contact Sberbank. Phone number and other coordinates are also available on the official resource. It is worth noting that employees are required to return any original documents that clients provide to complete an application for payments after completing all necessary actions with them.

What you should pay attention to when registering

If the deposit is closed, this information should be displayed in the cash receipt order. The person receiving compensation must sign it. Before doing this, it is recommended that you carefully read the text of the order and check the amount specified in it. If questions arise, it is better not to receive a payment and wait for recalculation. In this situation, you should request one of the copies of the order in hand. Also, the Sberbank savings book must contain the note “compensation” and it must be returned to the recipient upon completion of the procedure.

Formula for calculating compensation

You can calculate the deposit amount yourself. To do this, you need to use the following formula: the deposit balance as of June 20, 1991, multiply by the compensation coefficient, multiply by the increase number, in the case of a triple return by 3, in the case of a double return by 2, respectively, and subtract the amount of previously paid compensation for this deposit.

It is important to take into account that two deposits are involved in calculating 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 those people whose contribution was made after this date.

What does additional account mean?

Taking into account the fact that food prices have increased due to inflation, a decree was adopted 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 that contained funds in the amount of forty percent of the total amount. They could legally use them only after three years. If the amount was less than 200 rubles, then they could use the additional account after three months.