How to receive a deposit from a deceased relative in Sberbank - how to receive money under a will and without a will in Sberbank

The procedure for registering and using a testamentary disposition for a deposit in Sberbank

Any depositor of Sberbank of Russia can take care in advance about who will receive the rights to dispose of his deposit after the death of the deposit owner.
A testamentary disposition makes it possible to accurately identify the sole heir of the money in the account or distribute the funds among a group of people according to the wishes of the depositor. Important! A bank client can bequeath money in the account not only to relatives, but also to strangers, acquaintances and even legal companies. This banking service is characterized by simplicity in the distribution of funds and the absence of priority. If a testamentary disposition is properly executed, there are no grounds for its non-execution or change, even if the relatives of the deceased express disagreement with the order of inheritance of the deposit

If such persons wish to challenge the established procedure for the distribution of inherited money, a check can be made for the presence of later versions of the document

If a testamentary disposition is properly executed, there are no grounds for its non-execution or change, even if the relatives of the deceased express disagreement with the order of inheritance of the contribution. If such persons wish to challenge the established procedure for the distribution of inherited money, a check can be made for the presence of later versions of the document.

Subtleties to consider

Many heirs want to know how to withdraw money from their accounts without waiting six months for the bank’s decision. Funerals require expenses, so financial institutions accommodate clients halfway.

The only thing that needs to be done is to present a passport, card or details, rights to inheritance and an application for receiving money indicating the reason, certified by a notary.

However, the law sets a limit on withdrawals - from 2020, you can withdraw money in the amount of 40 thousand rubles, but no more.

There are situations when the heir does not know whether an account has been left for him at Sberbank. In such cases, bank employees do not look for third parties, relying on the fact that all existing valuable property becomes known to relatives.

If you do not know whether the deceased still has accounts and deposits, check with a notary. No information? Contact the department yourself. The only point is that you must provide the details or account number for the search. For these purposes, Sberbank has.

Deposits that are not found become state property - you should hurry up with the search and re-registration.

Rights of a widow or widower to receive a bank deposit

The Civil Code of the Russian Federation establishes such a concept as common property of spouses. It includes property earned or acquired by a husband and wife during marriage (except for those received as a gift or inheritance). Spouses, regardless of the ratio of their income and acquisitions, own this property equally.

Therefore, after the death of one of them, the other has the right to allocate his half of the property from the inheritance mass. This also applies to funds from bank deposits.

This point should be paid attention to both the widower or widow himself and the rest of the legal successors

The right to a spousal share and the right to inheritance exist separately and are not mutually exclusive: the surviving spouse may not be an heir (under a will), but receive half of the funds deposited by the deceased. At the same time, the allocation of part of jointly acquired finances does not deprive him of inheritance rights if they do not contradict the last will of the testator.

On the way to acquiring the deposit of a deceased relative, the heir faces many difficulties, which cannot be described in one article. But even in standard situations, not everything is as transparent and simple as it seems at first glance.

To resolve problems that have arisen or prevent their occurrence, theory alone is not enough. This requires practice and many years of experience, which, along with impeccable knowledge of the law, the lawyers of the site ros-nasledstvo.ru possess. It's easy to contact them. It is enough to enter the essence of your question into the electronic feedback form, and within a few minutes you will receive relevant advice that can determine the further development of the current situation or become the beginning of productive cooperation.

The process of receiving money from the deposit of a deceased owner

Heirs can influence the distribution of property. For example, they have the right to refuse the inheritance in favor of another relative, or to challenge the will. This is difficult to do, but sometimes it helps to change the composition of the heirs.

Any property owned by a citizen can be specified in a will. If he indicates all the property, the relatives will not have to divide it themselves. If a testamentary disposition is drawn up for the deposit money, the heirs will also have fewer reasons for disputes.

Issuing money from a deceased investor to heirs is a rather complicated and lengthy process. It consists of several stages:

1. Opening a case. The deadline for this stage and the beginning of registration is six months from the date of death of the depositor. The heir turns to the notary with an application, his identification card and proof of the right to funds from the deposit.
2. Contacting a notary. After paying the state fee and submitting documents to the notary, the review begins. But you won’t be able to receive funds from your deposit right away. You'll have to wait 6 months. After this period, the notary will issue certificates to all heirs that confirm their rights to property and money. If close relatives cannot find the document in which the heirs are registered, a notary can restore the will.
3. Contacting the bank. Once the certificate of inheritance is in hand, you can contact the bank or other institution where the deceased relative has a deposit. In this case, the bank needs to provide a passport and an agreement on the division of money if there is more than one heir. If a citizen received the right to inheritance during court proceedings, the bank will need to present a court decision.

When the bank's legal department checks the documents and makes sure that the rights are legal, the heir will be able to receive the money. Then he can do whatever he wants with them: withdraw money from the deposit or open an account in his own name or to bearer.

What is the will expressed and how to document it

To draw up a will for a deposit in Sberbank, you must first make several important decisions for yourself.

You need to determine:

• circle of heirs;
• ratio of shares between them;
• list of obligations imposed on heirs (if any).

Next, you need to choose a convenient method for making orders on your deposit. There are two options.

Visit to a notary

Many Sberbank depositors use this method. Drawing up a will with a notary follows the usual procedure. The testator comes to the specialist along with his passport, as well as documents on the deposit. They include a deposit agreement and a savings book. The notary keeps copies of these materials.

Then, in the presence of a specialist, the text of the will is drawn up.

In relation to the deposit, it must necessarily contain:

1. Name of the branch (branch) of Sberbank where the deposit is placed.
2. Details of the deposit agreement, data on the savings book.
3. Information about heirs indicating their place of residence.
4. The size of the deposit and the proportions by which the savings will be divided among the heirs.

The notary certifies the will in two copies. One is returned to the testator, and the other remains in the notary's office.

Contacting Sberbank

After death, it is possible to leave money in the bank to your relatives in the form of a testamentary disposition. All you need is a passport for a bank employee to verify the depositor’s identity.

At the Sberbank branch, information similar to that present in the notarized will is indicated in writing. An employee of the financial institution also puts his marks, certifying them with the organization’s seal.

The testamentary disposition is also drawn up in two copies: for the depositor (testator) and the bank.

What you need to do to get a cash deposit in Sberbank

There is a list of documents that must be provided to the bank. First of all, you should go to a notary. At the same time, there is a procedure according to which entry into inheritance is carried out in letter order. Notaries conduct inheritance cases based on the first letter of the surname of the person who left the inheritance.

Mandatory are:

1. Identity document or passport.
2. If the heir is a foreigner, a visa or passport is required, and they must be translated into the state language of Russia.
3. A document confirming the death of the investor.
4. If there is a will, this must also be provided.
5. Documents from the bank, savings book, agreement on opening a deposit, bank card.
6. Evidence of relationship if there is no will.

In the event that an inheritance has been transferred by will, it is necessary to provide the financial institution with a certificate that confirms the right to it. It must be certified by a notary. In the event that there is no will, to prove the right, you need to provide the bank with a certificate of inheritance based on the law. Funds stored on a deposit account can be received six months after the opening of the inheritance.

However, you will need a package of documents:

• identity document, passport;
• documents from the bank;
• death certificate.

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Taking into account the fact that laws tend to change, more accurate information can be obtained from a bank or notary. In some cases, documents certified by a notary are required.

At the same time, Sberbank’s responsibilities do not include searching for depositors and heirs. Very often people do not know about the existence of a deposit, so they do not contact banks. Based on the law, unclaimed deposits become the property of the state. In some cases, you can receive part of the inheritance earlier than six months.

The process of entering into an inheritance and receiving a contribution

The process of transferring property in the absence of a will follows almost the same principle. It is only necessary to provide evidence of the relationship with the testator in the order prescribed by law. In such circumstances the following shall be submitted:

• marriage certificate (when the spouse died);
• birth certificates;
• adoption papers.

There are cases in which it is necessary to submit several specified documents to transfer rights to deposits. If the successor is a daughter who got married and changed her last name, then she submits marriage and birth certificates. The relatives of the aunt (uncle) present the lawyer with birth certificates: personal, brother or sister and deceased relative.

You can check with your lawyer for a specific list of documentation. The lower the degree of relationship, the more papers must be attached. Dependents may receive rights to a contribution without a will in a special manner. First you need to prove your status. This is easier to do if there is a family connection. The fact of dependency can be confirmed in court by filing an appropriate application.

To make a positive verdict, you must provide information confirming the fact of detention for a period of at least 1 year due to your financial insolvency. The heir transfers the court decision and a set of papers to the notary. Based on this official document, the dependent can use his share of the contribution.

Inheritors - persons under 18 years of age can use money only after reaching the age of majority. Guardians have the right to spend savings on the child earlier with the permission of the guardianship service.

As for the property of spouses, a widow (widower) in the event of the death of her husband (wife) has the opportunity to become users if the deposit is opened after the day of their marriage. The family member is then paid exactly half of all funds. The remainder of the savings is distributed among other available beneficiaries.

To reimburse the costs associated with organizing the funeral, the testator's money can be withdrawn before six months have passed. The total amount should not exceed 0.04 million rubles. You must have a notary's decree with you.

It happens that the successors of the deceased may not be aware of the existence of savings belonging to the deceased. The financial structure should not search for, nor inform new owners. The provisions of Article 1151 of the Code speak about the transfer of unused investments to the state after the expiration of the prescribed period. Along with deposits, debt is also inherited. When the loan amount is higher than the amount of savings, you can refuse to carry out the inheritance procedure.

The money in the accounts, like other types of property of the deceased, is not subject to taxes. Close relatives (husband, wife, father, mother, children) pay a notary for assistance in registration and a fee to the state in the amount of 0.3% (not more than 0.1 million rubles). The remaining successors - 0.6% of the total amount (not exceeding 1 million rubles). Funds can be withdrawn immediately or stored in your accounts.

If the inheritance papers were signed before June 20, 1991, the recipients can expect to receive money under the will after the death of the testator. Payments for investments made after this date will not be made. If the successors wish, branch staff may begin searching for the deceased's accounts throughout the country. It will be necessary to make a corresponding application and make a payment for their services (search management).

When paying an inheritance under a savings book without a will, the amount is indexed, which is affected by the date of birth of the heir. Persons who were born before January 1945 are paid 3 times the amount of the deposit in the bank according to the will. People born between 1946 and 1991 are paid using index 2.

Sample application for seeking a deposit

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Opening an inheritance case

How to get a deposit by inheritance in Sberbank? It is necessary to take actions in accordance with the law related to the process of transferring inheritance at Sberbank. A case is opened within 6 months. To do this, you need to contact a notary and make an application according to the established form. What documents are needed to receive a deposit:

• a note on the last registration of residence of the deceased;
• will (if it exists);
• papers proving family ties (if a will has not been drawn up);
• death certificate;
• written agreement with the bank;
• Identity card of the heir.

Since 2011, the scheme for receiving a deposit by inheritance in Sberbank has been simplified by introducing an automated electronic notary database. Using the server allows notaries, when applicants apply, to examine information about bank deposits under a completed will, without leaving their office. If accounts are found, the lawyer attaches the finances to other objects. The payment period for deposits under the will will be several days.

After a six-month period, a document is issued to receive a cash deposit in the bank in accordance with the will with certain amounts. It is worth knowing how to receive money under a will from Sberbank when, when registering the case, the successors did not find an agreement on opening accounts, but they know about the existence of the funds. The notary requests in writing from the financial structure documents for confirmation. If the location of the branch is not known, you can seek help from the authorities involved in tracing deposits. The services of the office are also resorted to if applicants do not know about the existence of savings.

Contacting the bank

How to receive an inheritance from Sberbank? After completing the period for reviewing your personal file and submitting the official contract, you need to contact the bank branch. The list of documents may vary depending on the circumstances.

List of documentation:

• certificate of inheritance of a deposit in Sberbank in accordance with the law;
• confirmation of the funds spent (when the money was sent for the burial of the deceased);
• written proof of ownership;
• passport;
• extract from the court decision;
• agreement on the distribution of the object of inheritance (when there is more than one successor).

Employees of the financial structure check the provided data over several days. Then you can finally register the inheritance in Sberbank. Savings are paid out according to established installments. If a will is approved before the beginning of spring 2002, the certificate is not submitted; in this case, you must bring the main package of documents.

Sometimes other documents are required to be submitted. When entering into the rights to receive an inheritance from Sberbank under the will of a resident of another state, an employee of a notary office may request a translation of the passport into Russian. The paper is certified by a lawyer. The will is canceled or some provisions are canceled when the will is approved for a bank deposit from an employee of a notary office after the expiration of the procedure period and the circle of applicants is changed

Possible difficulties when entering into inheritance

A set of measures to obtain a deposit in Sberbank according to the will is carried out strictly within the specified period and without violating the agreements provided for by current legislation. But sometimes problems arise. The main reasons include:

• differences of opinion regarding the will among the participants;
• violation of deadlines for submitting documents, when the application was submitted to the notary six months after the funeral of the person who left the savings;
• the financial structure refused to pay the money, citing the law.

When applicants turn to the services of specialists from a notary office after the expiration of the period provided for by current regulations, taking into account serious reasons, there is a chance to receive finance by winning a court case. The application submitted to the court must reflect the following information:

• details of the judicial institution;
• lawsuit;
• information about the parties to the conflict (full name, contact details of the persons involved in the dispute);
• statement of the problem.

Papers related to the case are presented. The deposit under the will is used after the judge makes a positive verdict.

Testamentary disposition

Nowadays, many investors, especially if they are elderly, try to take care of the future in advance so that the inheritance of their deposits will not be a problem for relatives. Sberbank itself offers a special service, according to which you can then register a deposit and immediately draw up a specific testamentary disposition. This is an official document; once completed, it is signed by the bank manager. This document, in its legal force, is practically equivalent to a full-fledged will, which then significantly facilitates the inheritance procedure for future heirs. The investor himself stipulates in the document the order and amount of amounts that he wishes to transfer to one or another relative. After death, the people indicated in the document only need to visit a notary to enter into inheritance rights.

In the case where the deceased leaves a will to relatives in advance, the document will detail the receipt and amount of the inheritance. The heirs just need to contact any notary, he will help draw up a special document on the acceptance of inherited funds. The specialist will also explain to the relatives what to do next.

USEFUL INFORMATION: How to revoke and annul a will

Receiving an inheritance from Sberbank is carried out in two ways:

1. According to the testamentary disposition, which is drawn up in advance by the investor himself. According to it, the deposit will then be divided between designated persons.
2. According to an official (notarized) will.

How to inherit a deposit in Sberbank if there is no will or testamentary disposition? A common situation, because most people live peacefully without thinking about death. Therefore, when a tragedy occurs, relatives have only fragmentary information about the property and funds of the deceased. Fortunately, the law comes to the rescue here.

Other payments to heirs and/or investors

If a citizen had a deposit in the Sberbank of the USSR (valid and not closed until June 20, 1991), then monetary compensation is due on this account.

If a depositor was born before 1945 (inclusive), and on his account as of June 20, 1991 there was an amount of at least 2,000 rubles, and before that he did not apply for compensation, then his deposit is entitled to a compensation payment in the amount of 6,000 thousand rubles

It is also important that this account is not closed before December 31, 1991. If a depositor was born before 1945 and closed the account in 1992 (even in the absence of a savings book), provided that he did not receive any compensation, compensation in the amount of 3,600 rubles is due. If a depositor was born before 1945 and closed the account in 1993, under the same conditions, compensation is due in the amount of 4,200 rubles. If a depositor was born before 1945 and closed the account in 1994, under the same conditions, compensation is due in the amount of 4,800 rubles. If a depositor was born before 1945 and closed the account in 1995, under the same conditions, compensation is due in the amount of 5,400 rubles. If a depositor was born before 1945 and closed the account from 1996-2015, under the same conditions, compensation is due in the amount of 6,000 rubles. For the accounts of depositors born from 1946-1991, with the account balance as of June 20, 1991 - 800 rubles. The deposit is valid (there is a savings book)

The investor has not previously received compensation. The payment is equal to 1600 rubles. If this deposit was closed in 1991, then compensation for it is not due. For the accounts of depositors born from 1946-1991, with the account balance as of June 20, 1991 - 800 rubles. The account was closed in 1992 (no savings book), the depositor did not receive compensation, compensation in the amount of 960 rubles was due. Under the same conditions, upon closing the account in 1993, compensation in the amount of 1,120 rubles is due. Under the same conditions, upon closing the account in 1994, compensation in the amount of 1,280 rubles is due. Under the same conditions, upon closing the account in 1995, compensation in the amount of 1,440 rubles is due. For the accounts of depositors born from 1946-1991, with the account balance as of June 20, 1991 – 800 rubles, the deposit was closed in 1996-2015. (there is no savings book), the investor has not previously received compensation - the compensation is 1600.

Based on my practice, on average, citizens receive compensation for old accounts of testators in the amount of 6,000 rubles. For more detailed information, please contact the notary handling the case. The notary will make a request to the banks and clarify what amounts are due to the heirs.

Documents for receiving a contribution by inheritance

Heirs who know about bank deposits left by a deceased relative should contact a notary to clarify the list of required documents. The lawyer will issue relatives with certificates of the right to receive inheritance on the basis of the laws of the Russian Federation. The package of documents for registering the right of inheritance is the same as in the case of inheritance “by will”. But you will need evidence of a close relationship with the owner of the inheritance. Relationships and documents are verified by a notary.

Basically, to register the rights to inherit a contribution, it is enough:

• Passports
• Visas or identity card of a foreign citizen with a translation into Russian (for non-residents).
• Death certificates of the deposit owner.
• Wills (if any).
• Bank documents (passbook, agreement, card) confirming ownership of the deposit.
• A document confirming the family ties between the heir and the owner of the deposit (if there is no testamentary disposition or will).

If a citizen has a testamentary disposition in his hands, written in a bank before March 2002, then we advise him to first contact the bank, where employees will suggest the required list of documents. Maybe this will save money on notary fees. In other cases, a visit to the notary’s office cannot be avoided. Since even if there is a will, a certificate of inheritance is required, without it the contributions of a deceased relative cannot be obtained.

Persons who are not heirs, but who are organizing the funeral, can also count on a certain share of the deposit, without receiving a document on the right of inheritance, without waiting for the end of the six-month period. Here the notary draws up the necessary decree for the credit institution to reimburse expenses for organizing the funeral. In some cases, recipients of an inheritance can withdraw up to 200 minimum wages from a relative’s contribution for organizing his funeral without such a resolution.

Procedure for receiving a deposit

Receiving an inheritance is a special process. Relatives need not only to receive their inheritance, but also to close the contribution of the deceased.

To do this they will need:

• make documents officially confirming their status as heirs (a notary will help);
• contact the required branch of the bank that is the custodian of the deceased’s deposit;
• Having accepted the papers, the bank itself will conduct a full check, determining the legality of the claims made by the relatives.

Important: it is worth remembering that after a deceased person you can inherit not only his money or property, but also his debts. Especially if the testator left any outstanding loans or uncovered loans, or has open debt on a mortgage or car loan. When the heir confirms his status, he automatically becomes a debtor of the bank instead of the deceased (if he had debts).

Therefore, the bank checks not only the hereditary status of the relative, but also the credit history of the deceased. The most difficult thing is to determine whether the inheritance has other claimants. It takes time.

Issues of inheritance of deposits in Sberbank will be resolved only after 6 months. Specialists temporarily freeze the deceased's accounts. The death of the deposit owner automatically “triggers” the process. After freezing accounts, managers transfer the depositor's data to the notary, choosing the nearest notary office that is located in the area where the property is located or in the area where the deceased is registered. Relatives need to wait until the completion of the mandatory bank check, after which they can receive the inheritance.

Opening a case

The case must be opened before the end of the period established by law - six months from the date of death of the testator. To do this, legal successors must contact the notary's office with an application, to which are attached documents establishing the identity of the applicant and his rights to the contribution left by the deceased.

Contacting the bank

You should contact the bank where the deposit is opened only after you have received a certificate of inheritance. Financial institutions, as well as notary offices, will require a package of necessary documents:

• notarial certificate;
• heir's identity card;
• if several heirs are identified, an agreement on dividing the monetary inheritance into shares.

Depending on the situation, other papers may be needed. For example, if ownership was recognized through a court, a court decision is required.

After presenting all the necessary documents to the heirs, the bank is obliged to issue funds to the applicants. The latter can dispose of them at their own discretion: open the deposit again or withdraw the amount.

Important: if, after drawing up a testamentary order at the bank, the owner of the deposit executed a will in favor of another person, the last will will be valid.

Heirs also have the right to compensation for deposits that were opened before June 20, 1991. To date, Sberbank continues to pay them. The amount depends on the year of birth of the heir: those who were born before 1945 inclusive have the right to a refund of three times the amount, those born before 1991 - two times.

In addition to a Soviet-style savings book and a deposit agreement, you must present your own passport, death certificate of the owner of the deposit, and a notarized certificate of inheritance

The process of writing a will

As soon as a person inherits a bank account, he enters into full rights to own them. They are regulated by the Civil Code of the Russian Federation, namely Article No. 1128. The inheritance of a bank deposit is determined by the same Civil Code of the Russian Federation, and the number of the corresponding article is 1174.

However, the heir receives full control over the account and the money in it only six months after the death of the former owner of the funds. Sometimes you can get some of this money ahead of schedule, but these are rather exceptional cases.

To make a will, you need to do the following:

• When writing the order, the personal presence of the investor is mandatory;
• The bank in which the application is drawn up is obliged to be familiar with the testamentary secrets and also follow them;
• To avoid errors and possible misunderstandings, the will-maker should carefully read all related laws and regulations governing all aspects of the transfer of property and money by inheritance.

When writing an inheritance order, you must write the following:

• Full names of the will-maker, as well as all heirs;
• Passport details of all participating persons;
• Their places of registration;
• If property is divided into several heirs, their shares must be registered;
• Additionally, special conditions may be described under which the heirs receive their share;
• At the end, the date is written, as well as the signatures of each participant and employees present.

Note! The will is written on a special form, to which no adjustments can be made - otherwise it will have to be rewritten. You can write it by hand or fill it out on the computer. At the end, two copies of this document are certified.

Notarised power of attorney

It happens that the owner of the savings book himself draws up a specific notarized power of attorney, where he indicates a specific person as the recipient. After which he can theoretically go into the bank and present an order. It is not necessary to wait a month or six months, or even to inform managers about the death of the owner of the passbook. A special case when another person freely disposes of funds.

A notarized power of attorney is an effective means by which a relative is entitled to payment of any amount specified by him. He can completely empty the passbook and close it even without the presence or written consent of the deceased.

The truth is that this is a risky step, because any notarized power of attorney will instantly lose all its power as soon as the bank learns about the death of the person who wrote it. This is the law. It is worth remembering that the bank is obliged to temporarily freeze all accounts and deposits of the deceased. The period is also determined by law - 6 months. The bank card of the deceased is also blocked. This is the time when bank specialists check the data. The end date of the verification is communicated to the heirs.

Closing the lost passbook of the deceased

It happens when relatives only know the fact that the deceased has a savings account. However, the book itself is not there. Does this make it difficult for heirs to receive payments? Not particularly. They need to immediately notify the notary, who is obliged to assist the applicant.

Another option is to first consult with a specialist at the desired bank where the deceased was previously served.

Find deposits

If relatives do not know the name of the bank where the deceased kept his savings, a notary will also help here. He will tell you how to draw up the document necessary for inheritance. As is known, bank managers cannot communicate to anyone they meet information about the presence or absence of a savings account.

Relatives and the notary draw up an approximate list of banks where the deceased could theoretically apply. Thus, they determine the circle to search. Then the notary prepares the application. The number of applications determines the number of banks indicated by relatives. Deposit tracing is a formal and effective procedure that affects the systems of all banks. Thanks to the electronic system, searching has become much easier.

Of course, before starting such a search, relatives must receive documents confirming their status as heirs.

Sberbank compensation for funeral

Being an heir does not simply mean inheriting the deposits and debt obligations of the deceased. Often it is the heirs who take care of the funeral.

As you know, Sberbank has a special program that helps relatives pay for the funeral of a deceased depositor. The person directly involved in organizing and conducting the ceremony can receive compensation.

However, not everyone is eligible for payment. Submitting a special application and consulting the organizer with a specialist will help determine the amount of compensation and the conditions for receiving it.

Inheritance of Sberbank deposits on the basis of law

The procedure for registering inheritance according to law

It is possible to register inherited savings that remain after the death of the owner of a bank deposit not only by will, but also on the basis of law. The Civil Code of the Russian Federation provides for the possibility. If the testator does not indicate the share of each heir, then the inheritance passes to them as common shared property. They have the right to independently decide how to dispose of the common inheritance. The procedure for inheriting Sberbank deposits is regulated by general laws that deal with inheriting them. For example, according to the current instructions regulating the procedure for carrying out operations by institutions of the Savings Bank of the Russian Federation, the deposit left by the deceased is issued. This instruction, as amended on December 27, 1995, adopted on June 30, 1992 (No. 1-r), is valid on the basis of a will drawn up by the testator. A will certified by a notary must have a clause about the contribution and the persons to whom it is inherited. A testamentary disposition drawn up on a personal account is the same basis for paying the deposit to the heirs. The procedure for Sberbank of the Russian Federation to pay deposits to the heirs does not depend on the period of application for them by the persons specified in the will or testamentary disposition. It is determined by the date of their compilation. The heir legally has the right to use the savings transferred to him by inheritance after a period of 6 months after the death of the testator. It is from the date of death of the investor, according to documentary evidence, that the period for the entry into force of the right to dispose of the inheritance begins. The structural unit of Sberbank where the testator's deposit is kept must use the list of necessary documents established by the instructions to make payments of savings. Namely:

1. Savings book or deposit agreement.
2. A copy of the death certificate of the testator-investor, issued by the district department or registry office, which is certified by the notary authorities.
3. Heir's passport.
4. A copy of the will, if it was drawn up by a notary, bearing a notarial authority’s mark on the absence of changes and data on its cancellation.
5. Documents confirming the family ties of the heir and the testator.

With the first three documents, the person who has the right to inherit property must first contact the notary at the place where the will was executed. If there is no savings book, then you need to know the Sberbank branch number and its address. Specialists of the Sberbank structure carry out a search by branches if this data is not known. If there is an agreement under which a bank deposit is made, then a will can be drawn up in accordance with it. Based on the agreement, you can receive funds by proxy.

USEFUL INFORMATION: Absence of an application for the allocation of a spousal share in an inheritance matter

Where is the best place to make a will?

The procedure for registering a will depends on the chosen method of disposing of the monetary contribution. As mentioned above, there are two ways to bequeath funds:

• if the owner has chosen a will, then he should contact a notary;
• the testamentary disposition is drawn up in the bank in which the deposit is located.

Both documents have equal legal force. If a citizen draws up both a will and a testamentary disposition, then the division of property will occur in accordance with the text of the paper that was written later.

However, these documents have significant differences. Let's look at them in more detail:

1. What property can be bequeathed? All property can be specified in a will. For example, if the testator has an apartment, a car and a bank deposit, then he can include all this in the will. If we are talking about a testamentary disposition, then it allows you to dispose only of money located in a specific bank.
2. Deposit management. The will may contain a testamentary disclaimer that prescribes certain actions to be taken with the funds in the account. In the order, the testator has the right to specify the conditions or frequency of payments of money to the heirs.
3. Disclosure of document information. The testator can draw up a closed will, the text of which will not be known even to the notary. The document is submitted to the notary's office in an envelope, which is opened after the death of the testator. In the case of the order, a certain secrecy is also provided. In particular, all persons present during the preparation of the document do not have the right to disclose its contents.
4. Cost of compilation. Writing a will involves paying a state fee and notary services. The bank does not take money from the client for drawing up an order.

Thus, if a citizen only has a bank deposit, then it will be cheaper and easier to write a testamentary disposition. If you have other property, you will have to draw up a traditional will.

General provisions

The procedure for receiving an inheritance based on deposits was used back in the Soviet Union. Then Soviet citizens received money that was kept in the accounts of the deceased on the basis of a legal successor. This procedure changed in 2002; currently, you can withdraw money from your account if certain conditions are met:

According to the will. This is the will of the deceased, drawn up in his right mind and certified by a notary. The document indicates to which heirs the property goes. The will has a number of features. For example, according to the last will, property may go to a person who is not related to the deceased by family ties. In addition, the law provides for the allocation of a mandatory share to minor heirs. In this case, it does not matter whether they are mentioned in the will or not. In law. If a will is not left, the property is inherited on a general basis. In this case, the inheritance is divided equally among all claimants. Testamentary disposition. This document is drawn up at the bank (free of charge), it indicates which persons can withdraw money from the account by inheritance

Please note that the number of applicants mentioned in a testamentary disposition is not limited. This order is most preferable to the heirs.

Documents to be presented to the bank

When 6 months have passed from the date of death of the testator, you can contact the bank. You must have with you:

• passport;
• certificate of title to property.

In certain cases, additional documents will be required:

• court decision, if rights and shares were distributed by court;
• agreement on the division of shares, if there are several heirs;
• a notary's decree for reimbursement of expenses for a funeral or dying treatment if the money is withdrawn from the deposit before the expiration of 6 months.

Deposits that were registered before 03/01/2002, and a testamentary disposition was drawn up for them, are not included in the general inheritance base. This is established by Federal Law-147 in Article 8.1. The heirs of such deposits need to present to the bank only a passport and death certificate of the depositor. Based on them, the bank will issue money to the heir.

Registration process

Receiving an inheritance is possible in two ways: by registering your right with a notary or by actually accepting it. In the first option, you, as the receiver, need to prepare a package of documents and contact the notary office at the place of last residence of the testator.

The actual entry into inheritance does not require the recipient to register his right to property with a notary. It is enough to use and bear responsibility for the property of the deceased, having demonstrated his actions within 6 months from the date of death of the testator. But if you can live in an apartment without registering property rights, then receiving an inheritance from Sberbank without registering an entry is impossible.

Step one: contact a notary

How to receive an inheritance from Sberbank? In order to formalize your rights to the property of a deceased relative, you must contact a notary office. The recipient of the deposit and other property needs to fill out an application for entry. This can be done either with a notary or by sending a certified document by mail if it is impossible to contact the right specialist.

You must contact a notary no later than 6 months from the date of death of the testator.

To register inheritance rights, you need to prepare the following package of documents:

• Passport of the applicant, application for membership.
• Death certificate of the testator, certificate of his last place of registration.
• Documents on the ownership of the property of the deceased, including bank agreements for opening a deposit or account.
• A will or documents indicating the degree of relationship.

In the absence of a banking agreement, the notary can independently make a request to the financial institution, receiving all possible information about the accounts and the place of their storage from the receivers.

The process of reviewing an inheritance case by a notary lasts six months from the moment it is opened. After this period, the lawyer will issue to all recognized receivers a certificate of inheritance indicating the share due to each.

Remember that any citizen may not accept an inheritance by missing the deadline for entry or writing a refusal.

Step two: contact Sberbank

After confirming your right to inheritance, you can contact the bank branch where the deceased opened a deposit or account. Receiving deposits by inheritance at Sberbank requires the recipients to have documents, the set of which may vary depending on the situation:

• Applicant's passport, certificate of inheritance.
• Document on division of shares if there are several recipients.
• A court decision if the inheritance took place in court.
• Bank documents of the deceased - if available (agreements, passbooks).

You can receive funds from the deposit of the deceased on the basis of a notary’s decree if the heir needs to reimburse his funeral expenses.

If there is a will drawn up earlier than March 1, 2002, the recipient can receive money from the account by inheritance without a certificate of entry.

Features of inheritance by order

Based on Russian laws, a testamentary disposition can be drawn up in several ways:

• in any of the Sberbank offices
• at the notary

To draw up an order at the bank you must:

• Come to a Sberbank branch with your passport and inform the bank employee of your desire
• You need to have a deposit agreement or passbook with you
• The depositor bequeaths his financial property in the presence of bank employees, filling out the order form prescribed by law
• Employees accept and register the depositor's application at the bank

As we wrote above, the same can be done, if desired, at a notary’s office, where they will do the entire procedure described above for you. You will also need to have the above documents with you.

It is necessary to immediately contact a notary for the testator’s relatives to enter into the inheritance, because if no one contacts the bank within 6 months, the testator’s money will be automatically transferred to the state. Otherwise, after this period, you will have to prove in court that you did not have the opportunity to appear before the notary or learned about the death of a relative very late.

Few people know, but the heir, even before full assumption of rights, has the right to withdraw up to 40,000 rubles from the testator’s account for organizing a funeral or for providing medical services to the investor. To do this, the notary must provide a special document on the heir’s right to reimbursement of expenses.

A depositor can bequeath all his funds and assets in the bank:

• individuals
• legal entities
• organizations and institutions
• to the state

What is a deposit in Sberbank by inheritance?

The funds in the bank account are the property of the deceased. They are included in the total amount of property subject to division. Consequently, relatives have the right to claim these funds. Features of inheritance are determined by laws.

According to its rules, the following persons have the right to receive a deposit in Sberbank:

• The persons specified in the will have the right to receive money from the account and register it. Even if they are not relatives of the deceased, they will be the ones who will be able to receive the funds. However, children and spouse have an unconditional right to a certain share of the property. This is a mandatory legal requirement. Consequently, close relatives will also be able to receive these funds, but in a certain part;
• The persons specified in the special order have the right to receive it. His bank document, which is drawn up during the lifetime of the owner of the deposit. This order means that it will be possible to receive a contribution without having to comply with a lengthy entry procedure. This opportunity to receive money from Sberbank allows you to reduce time and simplify the procedure. At the same time, document preparation is a free service;
• When receiving money on the basis of the law. This procedure applies when a will has not been drawn up. In this case, the standard entry procedure applies. Documents should be drawn up in the order of priority established by the Civil Code of the Russian Federation.

Thus, you will be able to get savings in any case. Money placed in accounts with Sberbank or any other bank cannot become the property of a credit institution and no one except the heirs will be able to use it.

Who can receive a deposit in Sberbank by inheritance?

The procedure for receiving Sberbank deposits by inheritance involves two options. The successor can apply for and receive the money directly after completing the entry procedure. By law, such a person can issue a power of attorney to another person. He should not be a successor. But on the basis of a power of attorney issued by a notary, such a person is vested with the rights of a principal. Consequently, a power of attorney from a notary will become the basis for issuing the document.

Financial costs for organizing the funeral of the testator

Based on the Civil Code of the Russian Federation, we can conclude that the testator’s savings stored in a bank account can be used for funerals. The banking institution is obliged to provide funds withdrawn from the account. However, the amount for organizing a funeral cannot exceed 100,000 rubles. The heir or any other person registered in the notary's conclusion has the right to receive investments for organizing the funeral. Despite the fact that the inheritance can be received after six months from the date of death of the testator, the bank must issue the amount for organizing the funeral in due time.

Attention!

• Given the frequent changes in laws, the information on the site may become out of date faster than we can update it.
• Each case is individual and depends on many different factors. Basic information does not guarantee a solution to your specific question.

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As usual, money is bequeathed to a bank

Funds that a person deposited during his lifetime into his deposit account may be the subject of a will to his heirs. In this case, a citizen can make a will, either only for money, or include the contribution in the list of other property.

If the subject of the will is a contribution to a savings book, then it can be signed not only by a notary, but also executed directly at the Sberbank branch where the account is opened. We will talk about this procedure below.

The testator has the right to inform relatives and other persons about who will receive the deposit after his death. A closed (“secret”) will, executed by a notary according to a separate procedure, is also permitted.

The deposit amount, including interest accrued on it, can be distributed among several heirs. However, the distribution of shares is not necessarily the same.

In addition, funds in the bank are subject to the rule of mandatory share in the inheritance. Let us remember that it says that disabled relatives or dependents should receive at least half of the share that would be due to them by law. The content of the will itself does not matter in this case.

Where to draw up a document - at a banking institution or at a notary?

As mentioned above, the Civil Code of the Russian Federation provides for two ways of expressing a person’s will in the event of death at the disposal of a monetary deposit:

• using a will, which is drawn up by a notary;
• using a testamentary disposition, which is executed directly at the bank.

These documents have equal legal force. If it subsequently turns out that the deceased drew up both of these documents and their contents contradict each other, then the one with a later date of preparation will be recognized as the valid document.

But despite the fact that the above-mentioned documents have equal legal force, they have some differences. So, the distinctive features of a will and testamentary disposition are as follows:

Based on the above, we can conclude that if a person needs to manage exclusively a deposit in a bank, then it is cheaper and easier to do this in a bank.

If a person wants to dispose of all his property, including a cash deposit, then this can be done with a notary to save his time. Also, if a person wants to ensure the complete secrecy of his last will or give the heirs certain instructions related to the funds on deposit, then in this case it is also necessary to contact a notary, and not the bank.

How to register an inheritance with money in Sberbank

Many Sberbank clients are interested in how to receive a deposit by inheritance? To exercise your right to inheritance under the depositor’s will, you must, six months from the date of death of the testator, contact the bank office where the will for the deposit was drawn up. To inherit a deposit in Sberbank you need to have with you:

• a deposit agreement signed by the deceased depositor and a representative of Sberbank or the savings book of the deceased;
• a notarized copy of the death certificate of the investor;
• the original (if the document was drawn up in a bank) or a copy (if the document was drawn up by a notary) of the testamentary disposition (the copy must have the corresponding mark of the notary);
• citizen's passport;
• a document confirming the relationship (if the heir is a relative of the deceased).

USEFUL INFORMATION: How to force the father of a child to pay child support?

Important! If the heir does not have the bank documents of the deceased (deposit agreement or passbook), he has the right to resolve this issue by contacting a notary at the place of residence of the testator, who must do everything to ensure that the heir has the opportunity to enter into inheritance rights.

After an official statement from the heir, the notary sends a corresponding request to all banks to find out the place of drawing up the testamentary disposition and opening a deposit account in which the bequeathed funds are stored. After the financial institution in which the deposit is located has been identified, the heir applies there with a package of documents.

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All inherited contributions for which testamentary dispositions were drawn up before 2002 inclusive are not considered inherited property and to receive them by disposition there is no need to provide a notarial certificate of the right of inheritance, unlike those contributions for which a testamentary document was drawn up later than 2002.

In the case where the deposit relates to inherited property, the procedure for receiving an inherited deposit from Sberbank is as follows:

1. The heir approaches the notary's office with a package of documents.
2. The procedure for registering the rights to inheritance with a notary is underway.
3. With the certificate and other documents received from the notary, he goes to the bank where the order was drawn up.
4. Receives his inheritance in the form of a deposit or funds in other bank accounts.

The legislation of the Russian Federation does not establish specific validity periods for a testamentary document, that is, it is valid until:

• the owner of the cash deposits will not die, and the heirs will not express a desire to receive the inheritance;
• the term of the agreement for opening a deposit with Sberbank will not expire and the depositor will not withdraw all funds from the account;
• a new testamentary document will not be drawn up, which automatically cancels the previous one.

According to the Civil Code of the Russian Federation, there are exceptions in the form of a new administrative document for the inheritance or a change of heirs (or their share in the inheritance). Such a document can only be drawn up for the period established by the legislation of the Russian Federation, which is 6 months. If after this time the heirs do not present their rights, the funds are automatically credited to the state account.

How to find the deposit of a deceased person in Sberbank?

Cash in a bank account is the most problematic object of inheritance. To inherit property, a citizen must know about it. And not every testator discloses his accounts to his heirs. According to the law, a notary issues a certificate of inheritance rights only for the property for which the documents were provided to him. Accordingly, the heirs can easily lose part of the property because they did not know about the account.

Experts believe that more than 1% of deposits are in the bank because the owner died and the heirs did not know about his presence. The law does not oblige banks to search for heirs. Moreover, even the notary who opened the inheritance case is not at all obliged to search for the property of the deceased.

Snezhana Pogontseva

Lawyer, author-editor of the website (Family law, 11 years of experience)

Thus, all responsibility for searching for the deposits of a deceased relative rests with the heirs.

In 2020, the Federal Notary Chamber and Sberbank are implementing a new project. This is an information system that allows a notary to find out about the presence/absence of accounts opened by the testator with Sberbank. This opportunity will allow a number of heirs to receive funds, even if they did not know about their availability. VTB also plans to join this system in 2021.

But heirs of account holders in other banks will still have to look for information on their own. To do this, you need to contact a notary to send special requests to credit organizations. But this service is paid, and the result is not guaranteed.

At the same time, the credit institution where the deposit is opened will not provide information about the presence of the deposit to the heirs, even if they apply on their own.

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Step-by-step instruction

The process of transferring the rights to use the accounts of a deceased Sberbank client is carried out according to the principle of succession (Article 1112 of the Civil Code of the Russian Federation), since this type of property belongs to the hereditary mass.

General procedure

To receive inherited money, perform the following actions within six months:

1. They open an inheritance case with a notary.
2. Drawing up documents.
3. Receive a certificate of the due share.

The deposit is received in one of three ways:

1. According to the will of the deceased - a will.
2. Testamentary disposition.
3. According to the law, the total amount is divided equally among all heirs.

Deposit search

If the heirs do not have information about a specific branch of Sberbank, then they ask the notary to submit a request or contact the organization themselves.

Sberbank is obliged to provide a response with information about the status of the deposit: size, address and number of the branch where the deposit was opened.

The notary may require an additional fee for this service. When searching on your own, contact any department. The citizen presents his passport, the death certificate of the investor and the right to receive an inheritance and writes an application.

Waiting for a response from the bank takes on average 30 days. But certain circumstances (search territory, how long ago the account was opened, its condition) sometimes reduce or increase this period. The notary will receive the information in 1-2 days.

Documentation

The notary is provided with the following documents:

• passport of the person opening the inheritance case;
• death certificate of the deposit owner;
• will, if any;
• documentary evidence of family ties with the deceased (marriage, birth, adoption certificates);
• agreement with Sberbank, passbook, plastic card or other documents.

Deadlines

More than six months pass from the date of death of the account owner until it is transferred to a new person. 6 months after submitting the petition and certified documents, the heir again comes to the bank with the same papers to re-register the account.

A deadline missed for a valid reason will be reinstated. The heir asks for permission from the remaining participants in the case who have entered into rights, or goes to court.

How to get a certificate?

As a result of consideration of the inheritance case, the notary issues certificates of inheritance rights to the recognized recipients.

Contacting Sberbank or another institution

The bank requires the following documents:

• certificate of inheritance rights in cases of a will or division of finances by law;
• agreements with the bank, passbook, plastic card and other documents;
• a copy of the death certificate of the investor;
• passports of heirs;
• confirmation of family ties: birth, marriage, adoption certificates;
• a notarized copy of the will;
• a copy of the court decision recognizing the right to inheritance;
• a certificate from a notary regarding reimbursement of funeral expenses.

Sberbank verifies the information within 3-5 business days. If the decision is positive, the contributions are finally transferred to the inherited part. Payments are made according to the shares established by the certificate.

If the will was drawn up before March 1, 2002, then confirmation of the right is not submitted and only the main documents are needed.

If a resident of another country applies for a contribution under a will, then his passport data is translated and certified by a notary.

How does inheritance work?

According to Art. 1128 of the Civil Code of the Russian Federation, a contribution under a will is inherited in the general manner after six months from the date of opening of the inheritance. To do this, you must provide the bank with:

• certificate of right to inheritance, which is issued by a notary;
• heir's passport;
• death certificate of the testator;
• details of the heir’s account to which funds from the deposit must be transferred.

Thus, there are two ways to draw up a will for a deposit: at a notary and at a bank. Both of these options have equal legal force, so you can choose either of them depending on the circumstances of a particular situation. To prepare such a document, you only need to have a passport and deposit details.

It cannot be adjusted; if changes become necessary, a new document is drawn up. The will for the contribution is of unlimited duration. To receive funds under such a will, the heir must contact the bank after six months from the date of opening of the inheritance and provide the necessary documents.

How can you receive a contribution under a will in the event of the death of the investor?

Heirs can receive money under a will in the following order.
They must declare their rights to the testator's contributions. This can only be done after his death. First, the heir needs to clarify which notary is handling the deceased’s business. Next, an application is submitted to the notary's office to accept bank deposits.

Receipt procedure

You can receive funds from the account of a deceased relative (or even a stranger) in the general manner, both “by law” and by will. Notaries are engaged in registration of inheritance rights. If there is a will from the investor, only the persons specified in it can receive his money. In the absence of a will, the relatives of the deceased testator will inherit.

Without a will

Initially, without a will, the first-degree relatives of the deceased have the right to receive the contribution. Next, other relatives will be called upon to receive the money. Applicants for inheritance need to submit an application for its acceptance to a notary. He will check the documents, the rights of the applicants, the presence of kinship, and other heirs.

After the expiration of the six-month period, a certificate certifying the rights of the heirs is issued. With it, they can already go to the bank to receive money from the deposit. All you have to do at the credit institution is confirm your identity.

If there is a will

If the testator left a will for a deposit, then only the person named in it can receive it. At the same time, he will also have to go through the procedure of registering his rights with a notary.

Documents for receiving a contribution by inheritance

Funds invested in a bank can be inherited only upon provision of a certain list of securities. A person wishing to receive the deceased’s money submits the following list of documents to the notary’s office:

• application to take over your rights;
• certificate of death of the investor (if the case has not yet been opened);
• confirmation of kinship or will;
• deceased's savings book;
• documents confirming the identity of the applicant.

The notary verifies the authenticity of the specified papers and their sufficiency. But documents for inheritance are not issued before the established deadline. Therefore, the heirs will have to wait for its expiration.

How bank accounts and deposits are inherited

Currently, the law of the Russian Federation provides for two ways to draw up a will regarding one’s deposits in Sberbank

• directly at the bank branch;
• from a notary office employee.

To create an application at a bank branch, you need to do the following:

1. Take your passport with you to the bank, as well as an agreement on opening an account or a savings book.
2. Contact a bank employee with a request to draw up a corresponding application.
3. Fill out the form required by law in the presence of an employee.
4. The employee will check the form for errors and enter the application into the bank’s database.

You can also draw up this statement with a notary. The documents required are the same, and the office must be located in the area where you live. In this case, it is possible to make a will into your bank account.

If a person did not have close relatives living with him, and none of them approached the notary with a statement of their rights to the inherited property, it will automatically become the property of the state - this also applies to bank accounts. However, this can be challenged if it is proven in court that the heir was not aware of the death of a relative, was in another state, or was in the hospital for a long time. In this case, the court may decide to restore the person’s right to inherit property.

Also, the heir can partially use the inherited money even before officially taking ownership, but this amount cannot be more than 40 thousand rubles. In addition, there are restrictions on their spending: they can only be used to provide medical services to the current owner of the property or to pay for his funeral.

The question of obtaining rights to bank accounts and deposits with Sberbank arises among people quite often, even if nothing terrible has happened yet. To obtain rights to accounts, you need to go to the branch of the bank where the will was written six months after the person’s death and present the following documents:

• Deposit agreement signed by the testator, as well as an employee of Sberbank; or the passbook of a deceased person;
• A notarized copy of the death certificate;
• The will itself. If it was written by a notary - a certified copy, if made in a bank - its original.
• Passport;

  

• Documents confirming relationship with the deceased - only if the inheritance involves the transfer of property to a relative.

When the heir submits the appropriate application, the notary will make inquiries to all bank branches and find out exactly where the will was made and the corresponding account was opened. After this, the heir will only have to collect all the documents and contact the bank.

If a will for a contribution was made before 2002, this contribution is no longer inherited property, and no special documents are required to receive funds. If the will was written after 2002, you will need to provide a certificate of the right to receive an inheritance, certified by a notary.

If a deposit in Sberbank is considered inherited property, to receive it you need to do the following:

1. The heir must contact a notary, having previously prepared all the documents.
2. The notary will draw up all the documents properly, after which the heir will have rights to the inheritance.

   

3. The heir must then contact the bank, where the deposit or money from the account will be transferred to him.

The duration of a will is not regulated by law. This means that it becomes invalid in the following cases:

• The account owner dies, but the heirs do not want to receive the inheritance.
• The term of the agreement on the account with Sberbank ends, or the person withdraws all the money himself.
• The testator writes a new order - in this case the previous one becomes invalid.

The Civil Code of the Russian Federation also provides for exceptions in the form of defining a new document regulating heirs and their shares. It can only be compiled within six months. If the period expires, all money will automatically become the property of the state.

Many bank clients are interested in the question: how to get a deposit by inheritance in Sberbank? Well, in order to exercise your right to inheritance, you must, within 6 months from the date of the testator’s death, contact the Sberbank branch where the testator made a testamentary disposition. To receive a deposit you will need to present the following documents:

• deposit agreement or savings book of the deceased
• certificate of death of the testator of the deposit certified by a notary
• original or copy of testamentary disposition
• passport of a citizen of the Russian Federation
• document confirming relationship

Now you know how to receive an inheritance from Sberbank. We hope this article helps you. In this case, we have described the simplest scheme for obtaining a depositor's inheritance. It is also necessary to remember that if the deceased testator had dependents with him, then they have the legal right to 50% of the amount of the bequeathed contribution, regardless of the testamentary disposition.

In addition, do not forget that only 6 months are given for everything - this is the easiest and fastest option for acquiring inheritance rights. Otherwise, after this period, you may have to prove to the bank your ignorance of the death of the depositor in court, having first collected a huge pile of documents that confirm your good reason for applying to the bank for an inheritance after the legal period has passed.

Sberbank provides citizens with the opportunity to receive deposits of deceased relatives, which they registered before June 20, 1991. There will be no refunds for deposits made after this date.

To receive funds, you must contact a bank branch, providing the package of documents given above. The amount of reindexation depends on the year of birth of the heir.

Those born before 1945 are eligible to receive three times the deposit amount. That is, the amount of the balance in the savings account will be multiplied by three. The resulting figure will be the amount that the bank will pay to the relatives of the former depositor.

A reduced tariff is provided for this category of citizens. The deposit balance amount will be multiplied by two.