Receipt operations on the deposit. Growth strategy - expendable
The document that establishes the relationship between the depositor and the bank, and also determines the main conditions of the deposit, is treaty bank deposit. The agreement is drawn up when opening an account for a cash deposit.
The depositor (depositor, representative) fills in the necessary details of the bank deposit agreement and signs it. If the account is opened by the depositor or representative of the depositor, then when filling out the agreement, he indicates the last name, first name and patronymic of the person in whose name the deposit account is opened, the country where the depositor permanently resides.
The agreement is drawn up in two copies, one of which is issued to the depositor (depositor, representative), and the second is kept in the bank.
In agreements on deposits made for a certain period, the date of expiration of the main storage period and the date of return of the deposit are indicated.
The loss of the agreement by the depositor does not deprive him of the right to dispose of the deposit; in this case, when the account is closed, a note is made on the debit note that the agreement was not presented.
For each deposit, a account card. Cards of personal accounts are stored in card indexes, which are formed in the context of balance accounts, and in the card index of balance accounts - by types, deposits (by numbers of assigned codes) in ascending order of personal account numbers.
The structure of the account number contains a 20-bit numbering, for example, "42306.810.5.3811.4701234, where the 1st digit is the number of icra balance; 2nd and 3rd digits - the number of the balance account of the first order; 4th and 5th digits - the number of the balance account of the second order; 6-8th digit - currency code; 9th digit - key; 10-13th digit - bank index; 14-20th digits - the serial number of the personal account.
The main 20-digit personal account number may be followed by a two-digit deposit type code number, which is additional information to the account number.
Cards for accounts closed in the current year are placed in separate file cabinets, in which they are laid out in a similar manner; after drawing up annual report during the first quarter, cards for personal accounts closed in the past year are transferred to the archive during the inventory.
For each account, the depositor is issued savings book, in which, as well as in the personal account card, all deposit transactions are reflected. In the case of a non-cash deposit operation (for example, when interest is credited), it is reflected in the savings book at the first appearance of the depositor at the bank.
When filling out the last line, the client is given a new savings book with the same account number for the deposit instead of the written one. At the same time, a note is made in the used passbook that the client has received a new passbook. A new passbook is drawn up in the same manner as when opening an account, while in the first line a note is made about the transfer from the used savings book, indicating the balance of the deposit.
In case of loss of the savings book, the depositor must immediately declare this in writing or by telephone to the structural subdivision of the bank. At the same time, a depositor can submit a written application for the loss of a personalized savings book to any structural unit of the bank, and declare the loss of a savings book by phone only to a structural unit or branch organizationally subordinate to the territorial bank in which the deposit account is opened.
All statements about the loss of a savings book, including those accepted by phone, are registered in a special book.
If the depositor personally applied to the structural subdivision of the bank, he draws up and signs an application for the loss of the savings book, indicating his request in it:
Or terminate the agreement with the closing of the deposit account (with cash withdrawal or by transfer to another deposit account);
Or issue a duplicate of the savings book without closing the account (a duplicate can be issued for all types of deposits).
If the depositor cannot personally visit the structural subdivision of the bank, then he draws up an application for the loss of the savings book in any form, certifies it with a notary and sends it by mail to the structural subdivision of the bank where the account is opened.
Representative of the contributor structural unit The bank may, on its own behalf, draw up and sign an application for the loss of a savings book only in the following cases:
On the deposit of a minor depositor who has not reached the age of 14;
On the contribution of an adult contributor under guardianship;
If there is a clause in the power of attorney about the right of the representative to dispose of deposits in credit organizations or the right to manage and dispose of all property, as well as to submit in the interests of the person represented and on his behalf any applications to various organizations.
Expenditure operations on the account of a depositor who has lost a savings book, until it is closed or a duplicate of the savings book is issued on it, with the exception of the operation to write off the fee for the suspension of operations on this account or for the issuance of a duplicate of the savings book to replace the lost one.
In case of simultaneous loss of the depositor's passport along with the savings book, an application for the loss of the savings book may be accepted from the depositor without presenting their passport. In this case, the depositor indicates in the application “the passport is lost”, and the controller in the section “Bank notes” of the application crosses out the sentence “I was convinced of the identity of the applicant”. The operation of closing such an account or issuing a duplicate savings book on it can be carried out only on the basis of a passport presented by the depositor.
If the lost savings book is found by the depositor and presented to the structural subdivision of the bank after the deposit account is closed, the controller tears it up, makes an inscription behind his signature: “Repaid due to the closure of the account due to the loss of the savings book” and indicates the date of this operation. The redeemed savings book is sent to the branch of Sberbank of Russia as part of the daily report.
In the event that the depositor loses duplicate No. 1 of the savings book, duplicate No. 2 is issued to him in the same order, etc.
When making an additional contribution for which a savings book is not presented, a receipt of the established form signed by the controller, which records the date of its issue, the number and location of the structural unit of the bank, the last name, first name and patronymic of the person depositing the amount to the deposit account, the number of the personal account, the last name, first name and patronymic of the depositor, the accepted amount. In the incoming cash order, the receipt number is indicated.
An additional contribution from the contributor and representative can be accepted if they know the contributor's account number. Otherwise, a new account is opened for the deposited amount.
When accepting an additional contribution on a deposit in foreign currency, in accordance with the established procedure, a certificate of the transaction cash currency and checks.
For each incoming or outgoing transaction on a cash deposit, a cash receipt order or cash receipt. When money is credited to the deposit account by bank transfer, a deposit order, and when writing off Money from account - order
for writing off.
All deposit transactions made during the day are reflected in operating diary. Operational diaries for deposits are kept separately from other transactions and are formed by type of currency. Operational diaries are assigned a new serial number every working day, while the numbering starts from the first working day of the calendar year and must be continuous.
The depositor can give the bank one-time write-off order the amount of payment from his deposit account to be transferred to the account of the organization in payment for a product or service. The instruction form consists of three forms "Instruction of the depositor on the account", "Notice" and "Copy of the notice", which are intended for the bank, the recipient organization and the client, respectively.
In cases where the depositor makes recurring payments, he can give the bank lengthy write-off order from his account for the deposit of amounts, indicating in the order the details of the organization - the recipient of the payment, the period and amount of the payment. On the basis of a long-term order of the depositor, a transfer can also be made to accounts individuals in this structural unit of the bank.
The calculation of interest on the transaction amount for all types of deposits is carried out according to the following general formula:
where C is the amount on which interest is charged (in rubles and kopecks or in whole and fractional parts of a foreign currency unit); Пс - the annual interest rate established for the deposit; 100 - coefficient; D - the number of days taken into account when calculating interest; K is the calendar number of days in a year, corresponding to 365 days in a normal year and 366 in a leap year.
Starting from January 1, 2000, income on deposits is subject to personal income tax in excess of the amount of interest, which is calculated:
Based on 3/4 of the Bank's current refinancing rate
Russia - on deposits in rubles;
Based on 9% per annum - for deposits in foreign currency.
The tax is charged for the period during which interest is accrued. Tax is withheld upon closing the deposit account, and on the current account - when interest is added to the balance in accordance with the current conditions for the deposit.
In the institutions of the Savings Bank of Russia, there is a unified procedure for processing transactions. When making transactions, they use uniform forms forms. On the forms, depending on the nature of the operations, the presence of details is provided. Their completion is mandatory. Form duly filled out, signed and necessary cases certified by the seal, stamp of the Savings Bank, is a monetary document that confirms the receipt or issuance of the amounts indicated in it.
When registering deposit transactions, the following main documents are used: personal account, savings book, control sheet, settlement and check books, alphabetical card, transaction diary, receipt, receipts and debit orders, depositor's instruction to write off
amounts, an application for the transfer of a deposit, a notice to follow-up control, journals of sent and received transfers, a register for recording transfer applications, a book for registering lost Savings books and other accounting documents.
All transactions made on the deposit are reflected in the personal account, which is opened in the name of the depositor and has its own number. The depositor on the personal account gives a sample of his signature. On the personal account there is a place for the depositor to record a power of attorney for the right to dispose of the deposit by his representatives, a testamentary disposition, conditions for a conditional deposit. After closing a personal account, its number is not assigned to another account. The numbering of personal accounts is carried out in a strictly sequential order and separately for each type of deposits.
All personal accounts in the order of their numbering for each type of deposits are placed in file cabinets. Card indexes are sealed during non-working hours.
A savings book is a document issued by the Savings Bank to a depositor to confirm the amount he has deposited. It sequentially reflects the records of incoming and outgoing transactions. After each operation, a new deposit balance is displayed. The savings book is a personal document regulating the relationship between the Savings Bank and its client. The following requirements must be imposed on it: a) it must be protected from counterfeiting and forgery; b) the book should indicate both the initial payment and all following operations for receiving and withdrawing funds from the deposit. Full identity of records with personal account contributor; c) the savings book is issued immediately upon payment of the first installment; d) presenting a savings book is a prerequisite for any deposit operation.
The depositor always has information about the movement of funds in his savings account. He can receive funds not only in this institution of the Savings
Bank, but also, if necessary, in other institutions of the bank.
The bank benefits from the following:
using a savings book: streamlining
turnover of savings, simplification of the work of the Savings
Bank, as there is no need to repeat every time
certify the identity of the bearer of deposit documents. V
case of forgery or other acquisitive crime
savings book is real
proof. The savings book performs a certain advertising function.
If the savings book is lost, stolen or destroyed, then the procedure for invalidating the savings book in the bank is reduced to the following operations. The depositor must submit an application to the bank institution. In the personal account of the depositor, a note is made about the temporary suspension of payments for this account. rightful owner(to the former owner) a duplicate of the savings book is issued.
In the practice of the Savings Bank, several types of savings books are used, depending on the type of deposit, the procedure for the operation of accepting it and issuing funds from the deposit.
For deposits on current accounts, a settlement and check book is used. When transferring a deposit between institutions of the Savings Bank, a transfer form of the established form is used. The alphabetical card is used to make inquiries about the personal account number by the name of the depositor. This may be necessary in case of loss of the savings book. A receipt is issued upon acceptance of an additional contribution on a deposit without presenting a savings (settlement) book. A receipt must also be issued upon acceptance of a savings book for transferring a deposit or depositing cash to be transferred to another institution of the Savings Bank for crediting to an account or paying it out in cash.
The depositor draws up and signs receipts and debit orders. According to them, transactions on deposits are processed. A follow-up control notice is used to inform the accounting department of additional information on the deposit: passport data, signature samples, etc. Operational diaries are used to record in chronological order of operations performed per day.
Savings bank performs the following operations on deposits of citizens:
Opens personal accounts, they are opened by a cash deposit or by bank transfer;
Accepts additional contributions in cash or non-cash;
Issues amounts from the deposit;
Writes off parts of the contribution;
Closes accounts;
Carries out operations on fixed deposits;
Pays and transfers deposits according to the data of subsequent control;
Pays deposits on the basis of telegraphic confirmation of the transfer.
A person wishing to become a depositor fills out an alphabetical card and an incoming order, which indicates the amount to be deposited and the date. On the basis of these documents, the controller of the Savings Bank draws up a personal account in the name of the depositor. In the personal account, the depositor gives a sample of his signature. As confirmation of the deposit, the depositor is issued a savings book. The controller in the operating diary enters the account number, the name of the depositor, his initials and the accepted amount. The cashier accepts money from the depositor, checks the correctness of the entries in the savings book and order, signs these entries and issues savings book contributor.
The initial contribution in the name of the contributor may be made by another person. If the down payment is made in the name of a minor, then the bank must have samples
signatures of persons who will dispose of the deposit. If a minor contributor himself has made a contribution, then he gives a sample of his signature. In other cases, the bank receives sample signatures of the depositor's parents (guardians or trustees).
Acceptance of an additional contribution. To replenish the contribution, the depositor makes an amount, which is drawn up by a credit order. The controller receives an order and a savings book from the depositor, finds a personal account using them, compares the details and, if they are identical, enters the transaction date, the accepted amount, the balance of the deposit, the amount of interest accrued on the deposit until the end of the year and their balance into the card file of the personal account. Same as when taking down payment, chapis are made in a savings book, a warrant and an operational diary. If the deposit balances in the savings book and personal account card do not match, then the controller must inform the head of the bank branch or the chief accountant about this. Based on their permission, he can perform another operation.
If the depositor or the person making additional depreciation in the name of this depositor fails to present the savings book, the controller shall issue a receipt confirming the amount accepted. She is attached to the receipt order. A note is made in the personal account: "Accepted against receipt No....". The amount is entered into the savings book upon its first presentation.
Deposit payment. Without presenting the savings book, the deposit issuance operation is not performed. To receive a part of the deposit, the depositor fills out an expense order. The controller checks the compliance of the balance of the deposit in the personal account and the savings book, compares the signature of the depositor on the expenditure order with its sample on the personal account.
When paying the entire amount of the deposit, the controller must deduct interest on the amount of the deposit by the end of the year, add the remaining interest to the amount of the deposit and issue the entire deposit. Each action must be recorded in the personal account
on a separate line. At the end of the entries, the controller must indicate: "The contribution has been paid" and put his signature. A memorial order is drawn up for the amount of interest due. In the savings book, the operation for issuing the entire deposit is recorded in two lines: one indicates the amount of interest charged, and the second - the amount paid. The savings book is repaid with a handwritten inscription or a stamp "Deposit paid". The inscription is signed by the controller. The passbook is then torn at the top and bottom.
The controller in the operating diary indicates the number
deposit accounts, surname and initials of the depositor, amount
disbursed deposit and accrued interest. After verification
correct execution of the transaction, the cashier signs
entries in the warrant and savings book, keeps them and makes a payment of money.
In the end business day a general order is drawn up for the amount of accrued interest on deposits. A closed personal account is placed in the file of closed accounts of the current year. On the alphabetical card, the controller makes a note: "The account is closed", indicates the date and signs. The card must be placed in the archival alphabetical file cabinet.
With automated issuance and acceptance of deposits, the controller checks the correctness of the recording of machine operations in documents. Then he signs this entry in the passbook and in the warrant.
Calculation of interest on deposits. Interest due for the year to the depositor is accrued at the end of the year to the amount of the deposit. This operation is carried out by the institutions of the Savings Bank on the first business day of the new year. On that day, transactions with accrual are not performed. A procedure has been established according to which interest is calculated in advance until the end of the year for the amount of full rubles of an accepted or issued deposit.
When transactions are made by depositors, interest is accrued on next order. The remainder is displayed
interest on the previous transaction. In an incoming transaction, interest is added to the withdrawn balance, and incoming interest is subtracted from it. The accrual, deduction and balance of interest is reflected in the personal account of the depositor. At the end of the year, the remaining interest is added to the principal amount of the deposit.
At the first presentation of the savings book of depositors in the branch of the Savings Bank, an entry is made on the interest due to the depositor for the year. If the depositor has not submitted a savings book for several years, then for each year the interest is written in figures, and the balance of the deposit is written in words. With the consent of the depositor, the amount of interest for the entire period may be recorded without division by years.
Deposits are the most preferred investment tool among investors, as they always guarantee passive income. Depositors should not be afraid: interest on deposits does not change during the term of the agreement, depending on the state of the market situation, socio-economic policy in the country and current legislation. Before choosing a bank to place free funds, we advise you to find out what capitalization of a deposit is, since their total income depends on the mechanism of interest growth.
Capitalization of interest on the deposit account means banking term, which characterizes the addition of the accrued yield to the main body of the deposit. As a result, the following interest is accrued on the amount increased by the previously calculated yield. This is a good tool to increase passive income. Payouts for programs with yield capitalization are much higher than for simple deposits, especially in the long term.
Types of capitalization of deposits
In banking practice, several types of capitalization of deposits are used:
- One-time. Provides for a one-time charge for the use of the client's money on the body of the deposit at the end of the contract. At the same time, the prolongation of the deposit is carried out for its principal amount with accrued income.
- Annual. Provides for the accrual of profitability at the end of each year. Typically, such a mechanism for increasing interest is applied to long-term deposits placed for 3-5 years. From the point of view of making a profit by the investor, this option of investing funds is not the most profitable.
- Quarterly. It implies accrual of profitability on the balance of the term account every 3 months. As a rule, this capitalization option is used for medium-term programs open for 3-24 months.
- Monthly. This is the most profitable option for owners of free cash. Regardless of the term of the deposit, the profitability is calculated every month on its body and previously accrued interest.
- Daily. This option of increasing the yield on liabilities is practically not used in the market. bank deposits.
Advantages
Capitalization of a deposit is a convenient tool for maximizing profits from placing free cash in bank deposits. Its main advantage is the possibility of increasing the annual percentage compared to the original. This rule applies only to long-term deposits with a stable economic situation in the country.
Flaws
However, the market for bank deposits is dominated by a large part of term accounts with a simple mechanism for accruing profitability. This is due to the fact that not every deposit holder keeps accrued interest on a term account. Many of them see them as additional source income to monthly salary.
Quite often, a contribution with capitalization does not provide expenditure operations within the period established by the agreement between the bank and the client. This means that when there is financial difficulties the depositor will have to completely close the deposit and lose almost all accrued interest or look for other options to resolve the problem (get a loan, borrow from relatives or friends, contact an MFI).
Many banks on deposit programs with capitalization set lower interest rates. As a rule, the difference between the placement of funds at simple interest and at compound interest is from 0.5 to 1.5% per annum. Approximately the same amount brings an increase in profitability on the balance of a term account. Therefore, when choosing a capital investment program, you should always calculate the deposit with capitalization and with a simple charge for using the client's money, and then compare the effective interest.
Thus, the disadvantages of deposit programs with interest capitalization include:
- inability to conduct debit transactions, including the payment of accrued interest;
- reduced rates compared to classic programs;
- when placing funds for a long period, there is a risk of revocation of the bank's license due to the unstable economic situation in the country.
Important! When making a deposit with a capitalization mechanism, pay special attention to the procedure for accruing profitability. If the agreement says that interest is charged in a currency other than the deposit currency, then it is better to refuse to sign such an agreement. The fact is that the calculation of profitability will be carried out at a rate that is favorable for banking organization, not the contributor. As a result, the bank receives "cheap" liabilities, and the investor loses his money on exchange rate differences.
How to choose a mechanism for increasing interest
When choosing an accumulation strategy own funds should accurately evaluate financial opportunities. If you know for sure that you will not need a certain amount in a certain period of time, then you can consider programs with the highest annual interest, including capitalization. As a rule, they do not provide for either incoming or outgoing transactions. However, if the contractual relationship is canceled ahead of time, the investor also loses most of the accrued interest.
For clients who place funds in bank accounts in order to receive a stable additional income every month or quarter, we recommend using deposit programs with a partial withdrawal function. Naturally, the yield on them is lower by several percent. Moreover, such deposits can also be with or without capitalization. This means that the investor can withdraw all accrued interest. In this case, the income will be calculated only on the body of the deposit. In the absence of debit transactions, the increase in interest is carried out on the entire amount of funds in the term account.
Also, do not forget about the reliability of the bank. Sometimes, small organizations lure investors high interest on deposit programs and the presence of a capitalization mechanism. Aggressive deposit policy is always of great interest to the Central Bank of the Russian Federation. Often, such banks lose their license, and depositors lose their money, because the organization was not a member.
To avoid such a situation, only banks with a high reliability rating should be chosen for placement of funds. Not necessarily, these should be monopoly organizations offering far from the most profitable terms on deposits. However, they must be members of the household deposit insurance system. This Government program, allowing clients in the event of revocation of a license from a bank to receive a 100% refund on urgent accounts, but not more than 1,400 thousand rubles.
Algorithm for calculating the yield on a deposit with capitalization
A simple example will help to visualize the mechanism of increasing profitability. Let's say an investor has 200 thousand rubles, and he wants to place this money in a fixed-term bank account at 10% per annum. According to the classical scheme, he will receive at the end of the term: 0.1 * 200,000 \u003d 20,000 rubles.
When capitalizing a deposit, the yield is calculated using the compound interest formula:
Calculate the deposit amount at the end of the first month:
200000 * 31/365 * 0.1 = 1699 rubles, that is, the amount on which the profitability will be accrued will be: 1699 + 200000 \u003d 201699 rubles. Long-term results of calculations are presented in Table 1.
Table 1. — Calculation of interest on a deposit with monthly capitalization for the year
Month | Interest, rub. | The total amount of the deposit, rub. |
January | 1699 | 201699 |
February | 1547 | 203246 |
March | 1726 | 204972 |
April | 1685 | 206657 |
May | 1755 | 208412 |
June | 1713 | 210125 |
July | 1785 | 211910 |
August | 1800 | 213709 |
September | 1757 | 215466 |
October | 1830 | 217297 |
November | 1786 | 219082 |
December | 1861 | 220943 |
Thus, the difference between a deposit with and without capitalization will be 943 rubles for 1 year. Naturally, the longer the period of placement of funds in a fixed-term account, the higher the yield. Many banking sites on the Internet contain online calculators for calculating the yield on deposits with capitalization. All you need is to enter information about the amount of placement, the term and date of opening the contract.
Interest capitalization is an ideal option for investors who choose a savings strategy. The correct selection of a deposit program and a banking organization will allow them to get the maximum passive income.
Video about deposits with interest capitalization
A settlement deposit is a cross between a term deposit and a demand deposit. On the one hand, the deposit is issued for a certain period. On the other hand, the possibility of replenishment and partial withdrawal of funds is allowed.
Settlement deposit: features and opportunities for the client
Credit transactions are those that lead to an increase in the balance. Money can be deposited in the following ways:
- in cash through the cashier;
- cash at an ATM;
- through a self-service terminal;
- non-cash transfer;
- through internet banking.
What debit transactions are allowed on the deposit. Examples for some banks
Debit transactions on the account may be different, depending on the conditions of the banking product. On settlement deposits, it is allowed to carry out the following debit transactions:
- cash withdrawal (at the cash desk, ATM);
- making cashless payments.
DVB (Far East Bank) offers its customers a deposit "Deposit + debit transactions". The minimum amount is 3,000 rubles (100 euros or dollars). The deposit can be replenished at any time, withdrawn within the minimum balance. Interest together with the principal amount is paid after the end of the contract.
Moscow credit bank(ICB) pays customers interest on the settlement deposit on a monthly basis (they are added to the deposit amount). The initial amount of the deposit is taken as the minimum balance. Thus, the client can withdraw part of the money only if he has previously replenished the deposit, otherwise there is only a minimum balance on the account. There is a limit maximum size deposit - 20 minimum balances. The minimum deposit amount is 20,000 rubles (400 euros, dollars).
Rosavtobank set the minimum minimum balance at the level of 10,000 rubles. Interest is capitalized and paid monthly. Replenishment is possible from 1,000 rubles or more.Cinco-Bank offers settlement deposit from 100,000 rubles (3,000 euros, dollars). Interest is paid monthly to a card or account, capitalization is not provided. Replenishment can occur in the amount of at least 100,000 rubles (1,500 dollars, euros). Interest rate depends on the deposit amount. 3 gradations are allowed according to this criterion:
- from 100,000 rubles (3,000 dollars, euros);
- from 1,400,000 rubles (20,000 dollars, 60,000 euros);
- from 3,000,000 rubles (70,000 dollars, 100,000 euros).
For each type, the irreducible balance is considered to be minimum amount to place a deposit. You can withdraw part of the deposit after 30 days from the date of registration of the deposit. Otherwise, the rate for demand deposits will be applied.
- The interest on a settlement deposit is higher than on a demand deposit, but less (by 0.5-1.5%) compared to a classic term deposit (without the partial withdrawal function).
- Make sure that there is a minimum balance on the account.
- A settlement deposit is more reliable than a savings deposit term deposit– if necessary, you can always access your funds without losing interest.
- It is better to choose such a settlement deposit, according to which replenishment of funds is allowed. Then you can, if necessary, withdraw the savings, and when the opportunity arises, put them back.
Types of expenditure operas carried out according to the contribution of cash d: h \ in, s \ s. All transactions, regardless of type, are performed upon presentation by the client of the PDS. Raskh operas are made on deposits, the conditions of which they are provided for. The type and amount of the operation can be declared by the client both orally and in writing. Expenditure operas (cash and non-cash) are made by the depositor (trusted person, legal representative) with the obligatory presentation of the account. For cash flow operations, cash flow orders f0402009 are issued. On all cash orders issued to the client, an imprint of the seal of the cash desk is affixed. Expenses on the account of the depositor who has lost the account, before its closure or the issuance of a duplicate, are not made, with the exception of the operation to write off the fee for the suspension of operations on the account or for the issuance of a duplicate. The number of issued orders depends on the type: 1) deposit currency: by currency deposits- 2 copies of the cash desk of the order, the 1st with an imprint of the cash desk is issued to the client, the 2nd is sent with a report; for ruble deposits - 1 copy of the cash desk of the order, which is sent with the report. 2) operations: - on expenses of operas made on foreign currency deposits for the sums of the whole and fractional parts of foreign currency: 2 copies of the cash register of an order for the amount that is paid in banknotes of foreign currency. The 1st is issued to the client, the 2nd is sent with a report. 1 copy of the cash register of an order for an amount less than a whole unit (less than the min denomination of a foreign currency banknote) with conversion at the foreign currency purchase rate, established by the bank at the time of the transaction (which is sent with the report). b/w - Special, On demand, Universal, Pension-plus
55. Receipt transactions on deposits made by non-cash way, the procedure for their registration.
Prikh operas are made on deposits, the conditions of which they are provided for. The type and amount of the operation can be declared by the client both orally and in writing. When transactions (cash and non-cash) are made by the depositor (contributor, third party on the basis of a notarized document, legal representative) upon presentation of the DUL and s / c, or without its presentation. Cashless transactions on deposits - operations for crediting and debiting money, as well as operations related to the purchase and sale of foreign currencies. For non-cash transactions (expenditure and inflow) on ruble and foreign currency deposits, 1 copy of the memorial order f203 is issued, which is sent with a report. Crediting to the contribution of the following amounts: - credited %ov; - salary, pensions, scholarships, allowances, fees, insurance payments, etc.; - transfers of deposits received from other branches of the SB or KO; listed from another account opened in the same (another) joint venture of one SB branch. ; - issued loans; accrued % on time; received from the purchase of securities from the client, valuables. Upon presentation of a credit card, in which several transactions for crediting (writing off) amounts were not recorded, the reflection of transactions is carried out when the depositor (shareholder, legal representative, heir) applies to the joint venture. In addition, each amount is reflected in c \ c on a separate line. d/c-Demand, Universal, Pension-plus, Refillable deposit, Retirement refillable deposit, Special, Cumulative
56. Expenditure transactions on deposits made by non-cash way, the procedure for their registration.
All transactions, regardless of type, are performed upon presentation by the client of the PDS. Raskh operas are made on deposits, the conditions of which they are provided for. The type and amount of the operation can be declared by the client both orally and in writing. The write-off of amounts from the deposit in a non-cash manner is carried out by the depositor (superior person, legal representative, heir) upon obligatory presentation of the s\k. Cashless transactions on deposits - operations for crediting and debiting money, as well as operations related to the purchase and sale of foreign currencies. For non-cash transactions (expenditure and inflow) on ruble and foreign currency deposits, 1 copy of the memorial order f203 is issued, which is sent with the report. Write-off from the deposit of the following amounts: - payments for an apartment, utilities and other services, charitable contributions, donations, etc. - transfers of deposits to another branch of the Security Council, including upon request; - for crediting to another account in the same (other) joint venture of one SB branch. - erroneously credited by the bank; - fees for bank services; - excessively accrued% of the transferred pension (at the request of the Pension Fund of the Russian Federation); - for the purchase by the client of securities, valuables. - penalties for executive documents: -taxes from income on deposits; - passing by inheritance in favor of the state-va. Upon presentation of a credit card, in which several transactions for crediting (writing off) amounts were not recorded, the reflection of transactions is carried out when the depositor (shareholder, legal representative, heir) applies to the joint venture. In this case, each amount is reflected in the c\k in a separate line. For the operation of writing off funds from the deposit, a fee is charged in accordance with the tariffs of the Bank. Expenses on the account of the depositor who has lost the account, before its closure or the issuance of a duplicate, are not made, with the exception of the operation to write off the fee for the suspension of operations on the account or for the issuance of a duplicate. в\%-Give life, Trust, Accumulative, Pension replenishment deposit, Replenishable deposit, Pension deposit, Deposit.