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How to change spoiled bills and coins
How to change spoiled bills and coins

The main thing is not to panic. In most cases, the spoiled money can be handed over to the bank and replaced with new banknotes of the same denomination.

How to change spoiled bills and coins
How to change spoiled bills and coins

Where to go with a damaged bill?

Any bank operating in Russia. The exchange of spoiled money is carried out by all institutions registered in our country and having state accreditation, including commercial ones. They must exchange damaged bills absolutely free.

This is spelled out in the Ordinance of the Bank of Russia dated December 26, 2006 No. 1778-U "On the signs of solvency and the rules for exchanging banknotes and coins of the Bank of Russia."

What banknotes will be exchanged exactly?

Non-critical damage: dirty, worn out, torn, with abrasions, small holes, punctures, extraneous inscriptions, stains, stamps. And also those that have lost their corners and edges.

Such banknotes should be accepted not only in banks, but also in stores.

spoiled money: banknotes to be exchanged
spoiled money: banknotes to be exchanged

And if a large piece is torn off from the bill?

The bank will accept a bill that has retained at least 55% of its original area. A banknote glued from two or more pieces will also be exchanged. An important condition: one of the constituent parts must be more than 55% of the original area.

In addition, the bank must accept a bill glued from two fragments of different banknotes. But there are a number of nuances here:

  • Fragments must be of the same denomination.
  • They must differ from each other in graphic design (that is, the option when a bill is glued together from two identical pieces will not work).
  • Each fragment must occupy at least 50% of the original area of the banknote.

What if the money is not torn, but damaged by fire?

Burnt, exposed to aggressive environments (in particular, acids), charred and decayed banknotes are suitable for exchange if more than 55% of the original area remains from them.

The bank will also accept those bills that have changed color and glow in ultraviolet rays, for example, after an accidental wash. But only if the images are clearly visible on them.

spoiled money: banknotes to be accepted by banks
spoiled money: banknotes to be accepted by banks

Will my damaged coins be accepted?

Yes. Coins can be exchanged that have even serious damage - bent, flattened, holes and traces of sawing, exposure to high temperatures and aggressive environments. But even on the melted and discolored coins, the denomination and belonging to the Bank of Russia should be visible.

And if, in the case of banknotes, 55% of the original area is sufficient, then a coin suitable for exchange should retain at least 75%.

What bills and coins will never be exchanged?

  • Banknotes dyed with substances that were designed to prevent theft during transportation and storage.
  • With the typographic inscription "Sample" or "Test".
  • Retired from circulation (for example, those that were published in 1995. They ceased to operate in 2002).
  • Having less than 55% of the area (or, in the case of glued together from pieces of two different banknotes, less than 50%).
  • Those on which important inscriptions are not visible: denomination, series and number, belonging to the Bank of Russia. It is important that at least some of the signs are preserved.
  • Banknotes that have completely lost the inscriptions on one of the sides.
spoiled money: banknotes that cannot be exchanged
spoiled money: banknotes that cannot be exchanged

Also, coins with a carved center and those on which the image is completely lost will not be accepted.

spoiled money: coins that cannot be exchanged
spoiled money: coins that cannot be exchanged

But what if the bank doubts the authenticity of the bill?

In this case, you can write in the bank an application for the examination. After that, the banknote will be sent for research. If its authenticity is confirmed, the exchange will take place. The examination is free of charge.

Are there any restrictions on the amount for which damaged banknotes can be exchanged?

No. You can bring any number of banknotes to the exchange. The bank employee will give the money in cash or transfer it to your current account. Do not forget to bring your passport with you to the bank.

What if I washed money with my clothes?

Money is made from special paper, on which a fairly durable paint is applied. Therefore, most likely, after washing, the bill will only become slightly lighter.

The washed banknote must be properly dried. To do this, put it on a sheet of white paper, straighten it well, cover with another white sheet and put a thick book on top. The sheets will become damp, so change them several times until they are completely dry.

Will the bank exchange damaged foreign banknotes?

Yes, but not in all banks. Each institution sets its own rules for currency exchange. Somewhere they accept banknotes only with minor damage, in other places they will not take banknotes glued from three or more fragments.

In addition, each bank sets its own commission, so you are unlikely to receive an amount equivalent to the face value of the banknote.

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