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The contents of the cell are not covered by the guarantees of the FGVFL.
Going on vacation and worried about your valuables? Planning to enter into an agreement with a partner and looking for a secure place to store paper and cash? Maybe you are a lover of antiques and fear for the safety of the collection? In such and not only situations, a safe deposit box can help (other names are a safe deposit box, an individual bank safe). In it, clients can store money, securities, documents, and other things. It is prohibited to place in the safe weapons, flammable, poisonous, narcotic and other substances and items withdrawn from circulation in accordance with the legislation, as well as items, storage or use of which may harm the bank, the client himself or other persons.
The doors of the safe are closed with two keys of different configuration - one is at the tenant's, the other is at the bank's employee. Therefore, it can only be opened jointly by a client and a bank employee. Each opening of the safe is recorded in a special journal. Bank employees who intend to enter a room with safes must show a special permit. The bank may allow the client to grant the right of access to the safe to authorized persons under a notarized power of attorney. In this case, customers independently decide who will keep the unlocking key.
The main advantage of a bank safe is a high level of protection, provided by the requirements of the National Bank. Deposit boxes are placed in a specially designated room of the bank (depository). The bank is obliged to equip the doors of the vault for individual safes with an alarm that responds to their opening, as well as the volume of the vault - a detector of a combined type with a different physical principle of operation. In addition, the bank must equip the storage surface with detectors that react to surface destruction from the outside.
The bank does not check the client's property, which is stored in the safe, thereby ensuring the confidentiality of savings. At the same time, state guarantees do not apply to the safe: if the bank goes bankrupt and the money disappears, the Fund for Guaranteeing Deposits of Individuals will not pay the tenant the minimum.
Features of use
The bank is obliged to ensure the safety of the safe deposit box. In case of loss of the unlocking key, the financial institution must provide a duplicate of it, albeit after paying a fine. Its size is prescribed in the agreement between the bank and the client. It also contains information on the amount of rent, the bank's responsibility for the integrity of the cell, as well as the conditions for opening the safe in the absence of the tenant. For example, in Bank, opening a cell without the presence of a client is possible:
In bank, the range of tariffs and the region, and somewhat lower - for other regions of the country.
It should also be borne in mind: if the tenant does not vacate the safe within the period stipulated by the lease agreement, then he must pay a penalty for each day, starting from the next day after the expiration of the safe lease term. At the same time, if for a long time the property from the safe is not claimed by the client (his heirs), the bank has the right to dispose (destroy) it, with the exception of currency values, precious metals, works of art. If the client has not submitted a claim for the return of currency values, precious metals, etc., the bank has the right to withhold them after the expiration of the limitation period and acquire ownership.
So, if an individual intends to rent a bank safe, he needs to take with him:
Business will need:
Going on vacation and worried about your valuables? Planning to enter into an agreement with a partner and looking for a secure place to store paper and cash? Maybe you are a lover of antiques and fear for the safety of the collection? In such and not only situations, a safe deposit box can help (other names are a safe deposit box, an individual bank safe). In it, clients can store money, securities, documents, and other things. It is prohibited to place in the safe weapons, flammable, poisonous, narcotic and other substances and items withdrawn from circulation in accordance with the legislation, as well as items, storage or use of which may harm the bank, the client himself or other persons.
The doors of the safe are closed with two keys of different configuration - one is at the tenant's, the other is at the bank's employee. Therefore, it can only be opened jointly by a client and a bank employee. Each opening of the safe is recorded in a special journal. Bank employees who intend to enter a room with safes must show a special permit. The bank may allow the client to grant the right of access to the safe to authorized persons under a notarized power of attorney. In this case, customers independently decide who will keep the unlocking key.
The main advantage of a bank safe is a high level of protection, provided by the requirements of the National Bank. Deposit boxes are placed in a specially designated room of the bank (depository). The bank is obliged to equip the doors of the vault for individual safes with an alarm that responds to their opening, as well as the volume of the vault - a detector of a combined type with a different physical principle of operation. In addition, the bank must equip the storage surface with detectors that react to surface destruction from the outside.
The bank does not check the client's property, which is stored in the safe, thereby ensuring the confidentiality of savings. At the same time, state guarantees do not apply to the safe: if the bank goes bankrupt and the money disappears, the Fund for Guaranteeing Deposits of Individuals will not pay the tenant the minimum.
Features of use
The bank is obliged to ensure the safety of the safe deposit box. In case of loss of the unlocking key, the financial institution must provide a duplicate of it, albeit after paying a fine. Its size is prescribed in the agreement between the bank and the client. It also contains information on the amount of rent, the bank's responsibility for the integrity of the cell, as well as the conditions for opening the safe in the absence of the tenant. For example, in Bank, opening a cell without the presence of a client is possible:
- if there is an overdue payment for using the box and / or for servicing the "Access Key" account for a period of more than 30 calendar days;
- at the request of a notary or law enforcement agencies to provide a description of the contents of the safe;
- in case of closure of the depository.
In bank, the range of tariffs and the region, and somewhat lower - for other regions of the country.
It should also be borne in mind: if the tenant does not vacate the safe within the period stipulated by the lease agreement, then he must pay a penalty for each day, starting from the next day after the expiration of the safe lease term. At the same time, if for a long time the property from the safe is not claimed by the client (his heirs), the bank has the right to dispose (destroy) it, with the exception of currency values, precious metals, works of art. If the client has not submitted a claim for the return of currency values, precious metals, etc., the bank has the right to withhold them after the expiration of the limitation period and acquire ownership.
So, if an individual intends to rent a bank safe, he needs to take with him:
- identity document (passport of a citizen or a document replacing it);
- original certificate of assignment of the registration number of the taxpayer's registration card (if any).
Business will need:
- a copy of the certificate of state registration;
- a copy of the properly registered constituent documents with all changes and additions;
- a copy of the certificate of entering the client into the Unified State Register of Enterprises and Organizations;
- a copy of the document confirming the authority of the person signing the agreement.
