March 23, 2023

The President of the Russian Federation signed a law allowing depositors of failed banks to remotely apply for insurance compensation to the Deposit Insurance Agency (DIA). The document is published on the official portal of legal information.

Previously, for this it was necessary to personally apply with a passport to the DIA or an authorized agent bank and provide full bank account details. Now you can write to the DIA in electronic form through the official website or public services portal using a unified identification and authentication system, and the payment will be transferred to the depositor to his account specified in the application, including by the Mir card number.

According to the press service of the DIA, it is expected that the service of remote application for the payment of insurance compensation for depositors will appear as early as 2024. It will be available to all consumers of banking services subject to the deposit insurance system: individuals, individual entrepreneurs, small businesses and others.

At the same time, the traditional methods of processing payments will remain in force: when the client personally applies to the office of the agent bank or DIA, or sends an application by mail.

The opportunity to receive insurance compensation is in demand. According to the DIA, in 2022, almost 6,000 depositors of liquidated banks used the remote payment channel, which some agent banks have. This is slightly less than half of all applicants.

In total, in 2022, insurance compensation for a total amount of 1.7 billion rubles. received 12.8 thousand depositors of 210 banks, including those that lost their licenses in previous years.

The Agency clarified that the deposit insurance system includes all banks that have the right to attract deposits from individuals. In the event of an insured event, the DIA, through authorized agent banks, reimburses depositors for their savings in the amount of 1.4 million rubles. In special cases, the insurance limit may be increased to 10 million rubles. For example, for escrow accounts, as well as if the bank has funds from the sale of property received by inheritance or by court order. If the deposit exceeds the limits, then the money is returned already in the process of liquidation of the credit institution.

Payments to individuals are made both in cash and by transfer to an account in another bank. Insurance payments to individual entrepreneurs and legal entities are always transferred to their current account.

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