Insurance differs from a claim
Protected funds use a special payment mechanism; the balance may become a creditor claim.
The loan survives
Payments continue to the receiver or under officially announced instructions.
Records must be reconciled
Statements, contracts and payment records matter when registers differ.
Four practical situations
| Your status | Main question | First action |
|---|---|---|
| Depositor | Whether the account and funds are insured | Check the bank card and payment process on the DIA website |
| Business account holder | Which part is protected and what enters the register | Verify owner status, statement and balance |
| Bank borrower | Who receives the next payment | Use only the receiver’s official instructions |
| Other creditor | Basis, amount and priority of the claim | Prepare contract, primary evidence and calculation |
Workflow after licence revocation
Confirm official status
Find the Bank of Russia decision, insured-event date and temporary administration or receiver details.
Classify each position
Separate insured funds, a possible excess balance, contractual claims and debts owed to the bank.
Reconcile the calculation
Compare statements, interest, payments, currency and mutual obligations on the control date.
Submit the documents
Use the form, address and period published for that bank and retain delivery evidence.
Documents
- passport or company documents and representative authority;
- deposit, account, loan or other principal agreement;
- statements and payment orders on the control date;
- bank correspondence and prior applications;
- itemised claim calculation;
- DIA or receiver response where figures differ.
📋 When compensation differs from your documents
First request an extract from the register of the bank’s liabilities to depositors and compare it with your contract and statements at the same reference date. This is different from the creditors’ claims register in bankruptcy. Identify whether the dispute concerns the balance, interest, account ownership or insurance coverage: each calls for different evidence.
Article 12 of Federal Law No. 177-FZ provides for submitting additional documents supporting the depositor’s position to the Deposit Insurance Agency, which forwards them to the bank for review. Use the current disagreement form: the Agency publishes separate individual and corporate forms in its deposit-insurance documents section. Check submission channels, signature requirements and representative authority against current Agency instructions for the particular bank.
| Item | Register entry | Your documents | Evidence |
|---|---|---|---|
| Account, contract and owner | Extract details | Contract details | Contract and identity or authority documents |
| Balance at the reference date | Recorded amount | Your calculation | Statements and executed payments |
| Interest and currency | Recorded data | Terms and calculation period | Contract, amendments and calculation |
| Reason for discrepancy | Explanation, if received | Specific disputed entry | Letter, statement or attachment |
📝 Working explanation to accompany the official form
“I disagree with the data for contract ___, account ___, as at ___. The extract records ___; the attached documents support ___. The discrepancy is ___. Please review my compensation disagreement and supporting evidence. Attachments: ___.”
This is a hypothetical explanatory structure, not a substitute for the Agency’s current form. Include relevant facts and a calculation rather than a general request to return all funds.
Keep the application, attachment inventory, delivery evidence and reply. When submitting through an agent bank, check registration and the onward document route. The contract balance, insurance compensation and any remaining claim require separate assessment. Filing does not guarantee an additional payment; Article 12 provides for judicial protection under the applicable procedure if the dispute remains.
This addition was checked on 24 October 2026 against Article 12 of Law No. 177-FZ and official Agency forms. Coverage and submission rules depend on the applicable provisions and insurance-event circumstances.
FAQ
Is every account balance insured?
No. Law No. 177-FZ defines protected categories and exclusions. Current conditions and limits must be checked on the insured-event date.
What happens to the excess balance?
It may be filed as a claim against the bank under the special statutory procedure and priority.
Can a borrower stop paying?
No. Licence revocation does not end the debt. Confirm official payment details and keep evidence.
What if the amount is wrong?
Submit supporting records and objections through the DIA or receiver process; unresolved disputes follow the statutory procedure.
Official sources
- Bankruptcy Law § 4.1
- Deposit Insurance Law No. 177-FZ
- Law No. 177-FZ Article 5
- Deposit Insurance Agency
Related guides: escrow in bank insolvency, bank guarantees and creditor-register filing.
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