Time and chance are merciless in relation to money: banknotes become dilapidated, dirty, torn and gradually fail, that is, they lose their solvency. For forgetfulness, paper money is washed along with jeans, used as paper for random notes, stamped on them and constantly passed from hand to hand. Let's figure out which bills can still be paid in the store, which ones will have to be changed at the bank, and which ones have already served their term and have lost their solvency.
Where to go with damaged money?
Damage to a coin or banknote does not mean that it automatically breaks down. There are three options:
Damage types
On the money scuffs and dirt
Contamination is the most common cause of reduced banknote life. Most often, paper money is withdrawn from circulation and destroyed because it decays and becomes dirty - this is a kind of natural aging of bills.
If a banknote is scuffed, dirty, or has small, localized stains, such as oil or paint, but the images are clearly visible, it may still be accepted at the store.
Where to carry? To the store. You can safely pay with them. True, if the banknote has serious scuffs or a rather large stain on it, then such a banknote can only be exchanged at a bank.
The life of banknotes largely depends on their denomination - the lower it is, the faster the banknote decays. On average, one hundred ruble notes have a short century - one and a half to two years, but a five-thousandth banknote can circulate for five years.
There are extraneous symbols on the money
The idea of writing your phone number on a banknote and putting it in a book may seem romantic, but in fact, using the banknotes as paper for notes and messages, you shorten their lifespan. According to the $, if there is an extraneous inscription of two characters or more on a banknote, or a drawing, an imprint of a stamp, it is considered dilapidated and sent for destruction.
Where to carry? You can go shopping with this bill and it will be accepted at the store. But the age of such a bill will not be long - as soon as it gets into the bank, it will be taken out of circulation and destroyed.
If you happen to have a banknote bearing the bank marks “Sample”, “Test”, other similar inscriptions or perforations made by the manufacturer, you will have to leave it as a souvenir or throw it away - such banknotes are insolvent, they will not be exchanged at the bank.
But if you find a manufacturing defect on a banknote (although rarely, this happens), then it can be changed.
The money was torn
Paper is a short-lived material, so quite often banknotes have “wounds” of different calibers, both compatible with the life of money and not compatible:
1. There are small punctures
Where to carry? To the store. Such damage is not dangerous. True, if the diameter of the puncture is large enough, then the banknote will also be taken out of circulation.
2. There is not enough corner or edge
Where to carry? You can still pay with such a bill, so feel free to go to the store with it. But if the area of the lost corner or edge was significant, then it is better to immediately go to the bank with a banknote.
3. A significant part is missing
For example, the money was seriously burned, got into acid or soaked and lost some of the fragments.
Where to carry? Definitely to the bank. If for some reason the money has suffered, you also have the option to exchange it. To do this, you need to carefully collect all the remaining fragments and take them to the bank for examination. The original damaged banknotes that have retained the area required for exchange will be exchanged for new banknotes. This verification can take a significant amount of time, but it will cost you completely free. A case of fire, in which money was damaged, it is better to confirm the appropriate certificate.
If less than 55% of the banknote remains, then it can no longer be exchanged.
4. There are tears
Where to carry?[/B] And you must accept such a bill in the store. True, if the tears are large enough, then it is better to go to the bank with it.
5. The banknote was torn into pieces
Where to carry? To the bank. If a banknote is completely torn or cut, it can be glued and taken to the bank for exchange. It is necessary to collect at least 55% of the total area of the banknote from the pieces, while it is important that all the pieces belong to the same banknote.
You can collect a Frankenstein banknote if you have two damaged banknotes of the same denomination and they fold into one banknote according to the pattern. The main condition is that each of the parts must be at least 50% of the total area of the banknote. Such a bill will be changed for you at the bank.
But a banknote that has lost its front or back side, that is, stratified, cannot be exchanged.
6. Money is colored
If you accidentally wash your banknotes with your belongings, money can stain.
Where to carry? The painted bill must be taken to the bank, where it will be changed to a new one. The same can be said for other types of random staining.
But if the banknote is in special paint, which is used by banks when transporting money, so that they are not stolen, then it will not work to exchange it. That is why the banknotes painted with paint, most likely, will not be exchanged right away - the cashier can send such banknotes for additional examination in order to establish the type of paint.
What about the coins?
Metal coins last longer than banknotes and may be less likely to accidents. But if there is still damage, you must follow the following exchange rules:
Money is out of circulation
Money that has gone out of circulation loses its function - it cannot be paid in a store or exchanged in a bank. They can be left as a keepsake.
Where to go with damaged money?
Damage to a coin or banknote does not mean that it automatically breaks down. There are three options:
- The damage is not severe, the money is still solvent. They should be accepted in stores and in banks.
- The damage is significant, money will not be able to pay for the purchase, but they can be exchanged at the bank for new banknotes or coins.
- You just need to come to the bank's cash desk. If the cashier has confirmed that the banknote or coin is solvent, then they will be exchanged for new ones, issued in cash, or money can be credited to your account. Sometimes an exchange will require additional expertise at a Bank institution, and you will have to wait for an official opinion on solvency.
- The damage is so severe that a banknote or coin ceases to correspond to the signs of solvency - money cannot be paid off and it cannot be changed either.
Damage types
On the money scuffs and dirt
Contamination is the most common cause of reduced banknote life. Most often, paper money is withdrawn from circulation and destroyed because it decays and becomes dirty - this is a kind of natural aging of bills.
If a banknote is scuffed, dirty, or has small, localized stains, such as oil or paint, but the images are clearly visible, it may still be accepted at the store.
Where to carry? To the store. You can safely pay with them. True, if the banknote has serious scuffs or a rather large stain on it, then such a banknote can only be exchanged at a bank.
The life of banknotes largely depends on their denomination - the lower it is, the faster the banknote decays. On average, one hundred ruble notes have a short century - one and a half to two years, but a five-thousandth banknote can circulate for five years.
There are extraneous symbols on the money
The idea of writing your phone number on a banknote and putting it in a book may seem romantic, but in fact, using the banknotes as paper for notes and messages, you shorten their lifespan. According to the $, if there is an extraneous inscription of two characters or more on a banknote, or a drawing, an imprint of a stamp, it is considered dilapidated and sent for destruction.
Where to carry? You can go shopping with this bill and it will be accepted at the store. But the age of such a bill will not be long - as soon as it gets into the bank, it will be taken out of circulation and destroyed.
If you happen to have a banknote bearing the bank marks “Sample”, “Test”, other similar inscriptions or perforations made by the manufacturer, you will have to leave it as a souvenir or throw it away - such banknotes are insolvent, they will not be exchanged at the bank.
But if you find a manufacturing defect on a banknote (although rarely, this happens), then it can be changed.
The money was torn
Paper is a short-lived material, so quite often banknotes have “wounds” of different calibers, both compatible with the life of money and not compatible:
1. There are small punctures
Where to carry? To the store. Such damage is not dangerous. True, if the diameter of the puncture is large enough, then the banknote will also be taken out of circulation.
2. There is not enough corner or edge
Where to carry? You can still pay with such a bill, so feel free to go to the store with it. But if the area of the lost corner or edge was significant, then it is better to immediately go to the bank with a banknote.
3. A significant part is missing
For example, the money was seriously burned, got into acid or soaked and lost some of the fragments.
Where to carry? Definitely to the bank. If for some reason the money has suffered, you also have the option to exchange it. To do this, you need to carefully collect all the remaining fragments and take them to the bank for examination. The original damaged banknotes that have retained the area required for exchange will be exchanged for new banknotes. This verification can take a significant amount of time, but it will cost you completely free. A case of fire, in which money was damaged, it is better to confirm the appropriate certificate.
If less than 55% of the banknote remains, then it can no longer be exchanged.
4. There are tears
Where to carry?[/B] And you must accept such a bill in the store. True, if the tears are large enough, then it is better to go to the bank with it.
5. The banknote was torn into pieces
Where to carry? To the bank. If a banknote is completely torn or cut, it can be glued and taken to the bank for exchange. It is necessary to collect at least 55% of the total area of the banknote from the pieces, while it is important that all the pieces belong to the same banknote.
You can collect a Frankenstein banknote if you have two damaged banknotes of the same denomination and they fold into one banknote according to the pattern. The main condition is that each of the parts must be at least 50% of the total area of the banknote. Such a bill will be changed for you at the bank.
But a banknote that has lost its front or back side, that is, stratified, cannot be exchanged.
6. Money is colored
If you accidentally wash your banknotes with your belongings, money can stain.
Where to carry? The painted bill must be taken to the bank, where it will be changed to a new one. The same can be said for other types of random staining.
But if the banknote is in special paint, which is used by banks when transporting money, so that they are not stolen, then it will not work to exchange it. That is why the banknotes painted with paint, most likely, will not be exchanged right away - the cashier can send such banknotes for additional examination in order to establish the type of paint.
What about the coins?
Metal coins last longer than banknotes and may be less likely to accidents. But if there is still damage, you must follow the following exchange rules:
- If the original shape has not changed and there are only minor scratches or abrasions on the coin, it can be used for payment.
- If a coin is bent, flattened, filed, has a hole on it, but at the same time it has retained at least 75% of its mass, then such a coin will be changed at the bank.
- If the coin has melted or changed color (the temperature or aggressive environment is to blame), you can change it. But only if it is possible to establish that the coin was issued by the Bank.
- The coin is completely without an image and part of the coin will not be accepted from you even for exchange.
Money is out of circulation
Money that has gone out of circulation loses its function - it cannot be paid in a store or exchanged in a bank. They can be left as a keepsake.
