What to do if your bank's license has been revoked

2024 Author: Malcolm Clapton | [email protected]. Last modified: 2023-12-17 03:44

Over the past few months, we have seen banks losing their licenses one by one. Today the expert of the service "" Olya Avvakumova will tell you how to choose a bank and what to do if his license is revoked.

Black and white lists of banks are, as a rule, a product of the marketing structures of the same banks. Therefore, you should not pay attention to them. Instead, take the time to look for mentions of audits or litigation, a decline in financial performance, or that the bank is temporarily not making payments. If you follow the economic news, you probably already remembered which bank is now having such problems.

Signs noticed in time or, for example, a warning from a friend who works at this bank will save your time, money and nerves: you can easily change the bank without any consequences.

The list of actions for this is intuitive:

1. Open a current account with a new reliable bank. As a rule, this requires only a passport, a certificate of registration, a tax registration certificate and a seal, if any.
2. Transfer the rest of the money to a new checking account. Do not forget to warn all contractors about the change of details.
3. Contact your old bank with an application for termination of the agreement and close your old current account.

No one, except for counterparties, needs to be notified about the change in the current account. Entrepreneurs were exempted from notification of regulatory authorities back in May 2014!

If the bank's license has already been revoked

You will find out right away that the bank's license was revoked. Maybe you will even be lucky and the bank will inform you about it by SMS.

The main thing here is to calm down quickly and respond correctly.

1. Warn contractors and employees

The sooner you do this, the less controversy you will have. The client's money may simply not reach the account on time, and you will have to figure out where it was hanging and whether it will be returned to the buyer.

If you transfer salaries to employees on cards, inform them about possible delays. Please note: if there really is a delay in payment, you will have to charge compensation for each day of delay.

2. Apply for a refund

Money - up to 1.4 million rubles - for all individuals, and since last year all individual entrepreneurs are insured. Usually, two weeks after the revocation of the license, you can apply to the bank appointed by the insurance agency with a passport and an application to receive your money. They will be paid to you immediately, along with interest accrued until the day the license was revoked. You should be contacted within a month for a refund. You can also look at all the information about accepting applications on your own on the website of your bank, on insurance agencies or in the Bank of Russia Bulletin.

Deposits exceeding 1.4 million rubles will not have to count on insurance. Nobody will pay you this money voluntarily and in full. To have at least some hope, we recommend filling out the creditor's claim. But keep in mind, even in the best case, you will receive these amounts last. In the worst case, you will not get it at all: there are a lot of people willing, and there may simply not be enough money.

3. If you have an LLC - prepare a creditor's claim

In each bank with a revoked license, a temporary administration is appointed. As soon as this happens, send her your creditor claim. The approximate form of the requirement and the list of necessary documents for the application to it are in the sample on the DIA. Take care of them in advance.

In the request, indicate the amount of the debt. In addition to the amount of the account balance, you must return the money that is stuck in the bank account. This could happen if you sent a payment, the money was debited from the account, but did not reach the recipient.

Now all that remains is to wait. In the best case - completion of the liquidation procedure, then all your money will be returned to you. In the worst, but more likely, bankruptcy procedures: according to its results, legal entities are almost never returned anything.

A few more important points with taxes

If at the time of revocation of the license you managed to send a payment to the tax office or the Pension Fund of Russia, but the money was "stuck" in the bank - do not worry. The tax will be considered paid, but you will have to pay a visit to the inspector. Since the regulatory authorities do not see your money yet, you just need to provide a payment, an account statement and explain that your bank's license has been revoked.

When calculating the STS tax, remember that the tax will have to be paid according to the general rules. Hanging payments and lost money cannot be debited.