safe box
Safe boxes (Illustration: www.npp-modul.ru)
safe box- an individual bank safe, which the bank leases to its customers for storing valuables. To rent a safe, you need to conclude a written agreement with the bank, pay the rent in advance and pay a deposit for the key. As a rule, the rental period of a safe deposit box ranges from one day to several years. You can store any valuables in the cells, except for weapons, ammunition, drugs, explosives and radioactive substances, food.
Don't forget about your rented safes. With a certain delay established by the bank and specified in the contract, credit organisation has the right to open the safe in the presence of a special commission. At the opening, an act and an inventory of the investment are drawn up. After that, the valuables taken from the cell are transferred for safekeeping in the bank's vault, and the cash is credited to the appropriate account. If during the following month it is not possible to find a tenant, the bank gets the right to satisfy its requirements (rent, fines, etc.) at the expense of these very values.
The highest demand for cells is observed in the summer, when people, going on vacation, take valuables to the bank for safekeeping. Most of the cells are in Sberbank (more than 200 thousand pieces), in second place is VTB 24 (over 35 thousand). Some banks, such as Sberbank, Nordea Bank, Rosbank, Petrocommerce, offer the service of booking a cell by phone or via the Internet. As a rule, cells of small and medium size are popular, for example, from 14 to 20 cm high (width - 30 cm, length - 40 cm).
Safe boxes are used for settlements between the seller and the buyer when making transactions for the purchase / sale of movable and real estate.
In this case, banks offer to issue a client a “Safe Deposit Box Lease Agreement with special conditions Access” or “Safe Deposit Box Lease Agreement” and “Supplementary Agreement” to this agreement, which is its integral part.
Under the terms of such an agreement, the seller can get access to the safe box only upon presentation of certain documents prescribed in the conditions of access to the safe and confirming the transfer of ownership of the object to the buyer. The Bank, for its part, monitors compliance with the terms of the agreement by the parties, but is not responsible for the authenticity of the submitted documents. Agreements for the lease of safe deposit boxes in banks have various forms and specifics, so it is better for customers to contact the selected bank in advance to familiarize themselves with the agreement and obtain the necessary advice.
Agree, storing valuables in a mattress, under a pillow, or even in a hiding place hidden in the living room behind the landscape is somewhat old-fashioned. Alfa-Bank offers you a convenient, reliable and safe place to store valuables - an individual bank safe.
In an individual safe you can store money, jewelry, documents, securities, works of art - in a word, everything that you value, and that you might like to hide from prying eyes.
You can rent an individual safe for any period - from one week to several years. Short rental periods are especially convenient when you are going on vacation or a business trip.
Individual safes are located in a specially equipped room of Alfa-Bank - a depository. The premises of the depositary are equipped with the most modern means of protection and are guarded around the clock. Safes are cells various sizes in an armored cabinet. You choose the size of the cell yourself, depending on your needs. The safe is closed with two locks - electronic and mechanical. You can be calm: access to the values of third parties (including bank employees) is excluded. Only you have the keys to the safe.
The service is provided at Alfa-Bank branches with the identifier "Rent of individual bank safes".
After explaining to you how to use the safe, the bank employee leaves the depository. No one except you is present there at the moment of investing valuables in the cell - thus complete confidentiality is maintained.
Alfa-Bank highly appreciates your trust. If you have placed valuables in an individual safe, we guarantee their complete safety and absolute inviolability.
Director of the branch of SDM-Bank in VoronezhIn 1997 she graduated from Voronezh State University with a degree in Accounting and Audit. Fluent in English.
The story of Alla Vladimirovna and SDM-Bank is more than just the story of a successful career as a top manager. According to Alla Vladimirovna, the branch in Voronezh is not just a job, a service, a career. This is part of life, part of the family, the second home. And now it is already possible to speak with confidence about the labor dynasty: Alla Vladimirovna became the director of the branch after her father, Vladimir Andreevich Voronov. It was he who was the first head of the branch, who created it in 1995 and ensured the sustainable development of the business until 2012.
By the time she was appointed director, Alla Vladimirovna had worked at SDM-Bank for more than 15 years. She started, as befits a yesterday's student, from the position of an economist.
Now Alla Vladimirovna recalls with a smile that she had to do almost everything, not limited only to her direct duties, “except that I didn’t work as a driver or an IT specialist - otherwise I was everywhere in the wings.” The attitude towards the branch was formed precisely by the father's leadership: never approach tasks formally, live at work, treat the branch as if it were your brainchild - these are the basic principles on which Alla Vladimirovna's work was built throughout her career.
The list of Alla Vladimirovna's positions eloquently confirms that it is precisely this attitude that is the key to the success of both business and the person in it.
Even before Alla Vladimirovna became her father's "right hand" in the bank, her personal achievements were impressive. She graduated from a mathematical school, with honors and without a single four, graduated from the University, was one of the best students of the course. Alla Vladimirovna admits that not only does mathematics and numbers not frighten her, on the contrary, in this area her “soul sings”. Therefore, work in credit department remembers with special fondness. “Of all the departments, it is the credit department that is the most beloved, - this is mine,” Alla Vladimirovna admits.
It is always worthy of admiration when it is clear that a person is in his place and does what he likes and what he does well. Alla Vladimirovna admits that she was invited to work in other banks many times, but she could not leave her native bank.
Now the branch of SDM-Bank in Voronezh employs 28 people, and Alla Vladimirovna makes every effort to ensure that all employees in the bank are interested and that work, no matter how much it is, is a pleasure. “Our branch has very little staff turnover. And we are very proud of this. I try to convey my positive attitude and responsible attitude to business to all my employees,” Alla Vladimirovna notes.
The core team of the branch has been working together for more than 10 years. Moreover, everyone, both employees and, which is very important, customers, really like our microclimate and atmosphere. Hence the large number of regular customers who have been served by us for about 19 years. Customers remain loyal to the bank, and the branch team is also very proud of this.
A safe deposit box or an individual bank safe are designed to store precious things: documents, securities, jewelry, money, art and other valuables. Bank safe boxes are often used in real estate transactions, during a long departure (vacation, business trip), and also in order not to store valuables at home - this is unsafe.
A vault or depository is most often a room with safe-boxes, reminiscent of mailboxes, with only two locks, not one. The room is guarded.
To rent a safe deposit box you need:
You can store anything in a safe deposit box, but there is a prohibition list, these are:
To conclude a contract, you will need a passport or other identity document. The contract specifies the terms of the lease, the size of the safe and the cost of the service.
In order to provide access to your cell to someone else, you need to issue a power of attorney for this person. The power of attorney is issued in a bank or a notary. The cost of a bank power of attorney depends on the bank, it can be free. Some banks only accept notarized powers of attorney.
The contract for the storage of valuables in an individual bank safe is regulated by Article 922 of the Civil Code of the Russian Federation. The client has the right to independently enter the vault, place and collect valuables in a rented individual safe.
For free access to the cell, the client must have a passport, as well as a key to the safe and a card for the right to use the safe (or some sign identifying the client). Some banks take a deposit for the key.
Banks provide cells for both individuals and legal entities, as well as for transactions with third parties (in real estate transactions).
Vault security differs not only from a particular bank, but also from its branch. Some vaults are in the basement, some are not. In some banks, the client is given 2 keys, in some banks one key remains with the bank.
An approximate procedure for accessing a safe deposit box is as follows: the tenant of the safe, together with a bank employee, goes to the bank vault, at the entrance is a bank guard. After opening the cell, the client goes to a separate room, where he pawns the property or takes it out of the safe. Then the safe closes and returns to its place. The rules for using the cell in each bank are different.
There are depositories equipped with automated safes, and there are those equipped with an automated entrance.
Banks provide customers with complete confidentiality when renting a safe deposit box. Its contents are not mentioned anywhere, are not recorded in any documents and are not controlled by the bank.
The duty of the bank is to ensure the safety of the safe, to control access to it.
The Bank is not responsible for the loss of the contents in the cell.
Rarely, but there are cases of loss of property from the safe. If the client wants to protect himself from such a situation, it is possible to conclude a safekeeping agreement with the bank.
Valuables will be transferred to the bank for storage according to the inventory with mandatory recalculation and verification. Access to the cell will be carried out only in the presence of a bank employee. The cost of the service will increase, but the bank will be responsible in case of loss of property. There are few banks that enter into safekeeping agreements (Zenith Bank, SDM-Bank and others).
Is it worth keeping money in a safe deposit box? This is better than at home, but more profitable and safer than renting a safe.
The most common situation is when safe deposit box rented - buying and selling real estate. Using a safe helps protect participants in a transaction from fraud. An alternative to this service is not very common in Russia.
Like the most big bank Russia has the largest number individual safes. The cell can be rented for up to three years, the contract is extended additionally. agreement.
The cost depends on the size of the safe and the rental period: the longer the term, the lower the cost, the larger the size of the safe, the higher the price.
Sberbank has branches with automated vaults (not all), where the security of the contents of the cell is increased.
The cost depends on the term, the longer the term, the lower the price. For example, renting the smallest safe from 3.0 to 5.9 cm high and 35 cm wide:
(Tariffs are indicated for the branches of the Moscow Bank located within the Third Transport Ring from 06/01/2017)
There is no key deposit.
The cell is opened without the knowledge of the client, in the following cases:
If the tenant has not vacated the safe deposit box after the lease expires, the bank will open the safe deposit box and remove the contents. For days of delay, the bank will charge rent + penalty.
In case of revocation of the license from the bank, the contents of the cells are not the property of the bank, but will be transferred to the tenant.
Look for information about the type of storage, free cells and their cost on official banking websites.
Nina Polonskaya
* In individual bank safes it is forbidden to store explosive, flammable, toxic, radioactive, narcotic and other substances that can have a harmful effect on humans and the environment, firearms, ammunition and property withdrawn from civil circulation in accordance with the law Russian Federation.
Advantages of Sberbank individual safes
More than 190 Moscow bank offices invite Muscovites and guests of the capital to rent individual bank safes. You can also rent an individual safe at the place of your stay on vacation or business trip. You can get information about the addresses of customer valuables storage facilities and tariffs for the service in various regions of the Russian Federation on the websites of regional banks PJSC Sberbank.
The service can be used by individuals. The provision of services is formalized by a lease agreement, which specifies the lease term, amount rent, rights and obligations of the parties.
To conclude a lease agreement for an individual safe, you will need an identity document (passport of a citizen of the Russian Federation, a general foreign passport (for persons permanently residing outside the Russian Federation), an identity card of a Russian serviceman (for officers, ensigns and midshipmen), a residence permit (for stateless persons permanently residing on the territory of the Russian Federation), etc.). If the document does not contain a registration mark, a document confirming your registration at the place of residence in the Russian Federation is required.
If you are a citizen of another state, then the submitted document must contain an entry visa (except for cases providing for visa-free entry into the Russian Federation). You must also have migration card and a document confirming your registration at the place of residence in the Russian Federation.
The safe rental period is set according to your desire (from one day to three years). You can extend the safe deposit box rental period by signing an appropriate supplementary agreement with the bank.
The rental fee is calculated according to the tariffs set by the bank. A convenient system of tariffs has been developed for you, which:
You will also receive a key to a rented safe for self-storage and use, for which Sberbank does not take a deposit.
As our tenant, you can visit the customer's valuables vault during the opening hours of the vault by presenting a key, a card for the right to use the safe and an identity document (the details of which are indicated in the lease agreement for an individual safe).
You can pay the rent in cash, by debiting funds from your existing deposit in this branch of the bank, or by debiting funds from the account bank card issued by Sberbank, while the rent is paid at a time for the entire lease term.
The service is provided by most regional banks. The exceptions are the Baikal, Far Eastern and Central Black Earth banks.
The automated storage of clients' valuables consists of individual safes enclosed in an armored case and equipped with a mechanism for automatic delivery of the safe to the client at the issuing window of the client terminal. The vault is installed in an isolated room, access to which you get with the help of an individual magnetic card. Calling a rented safe is carried out by entering your individual PIN code. The safe of the automated vault is opened by you with a key.
The security of property storage in the automated storage of clients' valuables is ensured by the fact that:
The provision of the service is formalized by a lease agreement for an individual safe, which specifies the lease term, the amount of the rent, the rights and obligations of the parties.
To conclude a lease agreement, you will need an identity document (passport of a citizen of the Russian Federation with a registration mark or a general passport). If you are a citizen of another state, then the submitted document must contain an entry visa (except for cases providing for visa-free entry into the Russian Federation). You must also have a migration card with you.
The safe rental period is set at your request (from one day to three years) and can be extended. The rental fee is calculated according to the tariffs set by the bank. A convenient system of tariffs has been developed for you, which:
By renting an individual safe, you receive a package of documents consisting of:
When you draw up an acceptance certificate, you will receive a key and an individual magnetic card for independent storage and use, for which Sberbank does not take a deposit.
You can pay the rent in cash, by debiting funds from your existing deposit in this bank branch or by debiting funds from a bank card issued by Sberbank, while the rent is paid at a time for the entire lease term.
When providing an individual safe for joint rent, all clients specified in the lease agreement (and there may be up to 4 persons) have equal rights regarding the use of an individual safe.
During the entire rental period, clients are allowed to the safe in any composition at their discretion (1, 2, 3 or 4 people at a time).
The joint lease agreement is concluded in the presence of all tenants. If necessary, a joint lease agreement can be concluded by one or more clients on behalf of other clients on the basis of a notarized power of attorney issued for the right to conclude and / or prolong the agreement.
Issuing powers of attorney for access to an individual safe, rented under a joint lease agreement, is not provided for any other persons.
You can extend the lease period for an individual safe by signing an appropriate supplementary agreement with the bank.
Based on the wishes of customers who have appreciated the convenience of making settlements through an individual safe for real estate purchase and sale transactions, PJSC Sberbank has developed a service for providing an individual safe individuals for settlements under transactions of sale and purchase of other property.
If you want to make payments through the safe, you draw up a lease agreement with the bank for an individual safe, which specifies the lease term, conditions for access to the safe, as well as the rights and obligations of the parties. To conclude a rental agreement, you need to present an identity document (with a registration mark).
The safe rental period is set at your request (from one day to three years) and can be extended. In accordance with the bank's tariffs, when renting a safe for settlements, you pay the cost of renting an individual safe (depending on the size of the safe you have chosen and the lease term) and ensuring control over access to the individual safe in accordance with the terms of the contract. If you wish, you will be provided with banking equipment for recalculation and verification of the authenticity of banknotes for an additional fee.
The fee is paid at a time by agreement by one of the participants in the transaction in cash to the bank’s cash desk, by debiting funds from a deposit opened at a branch of the bank in whose vault you have chosen an individual safe, or by debiting funds from a bank card account issued by Sberbank.
When issuing the act of acceptance and transfer, the client - the buyer, who has placed the means of payment in the safe, will receive the key to the rented safe for self-storage. A separate card for the right to use an individual safe is issued for each settlement participant.
Get information about the service.
The service is provided to participants in a real estate transaction - the buyer(s) and the seller(s) (up to 2 persons from each party). In this case, both individuals and legal entities can be participants in the transaction.
The provision of the service is formalized by a lease agreement for an individual safe, which specifies the lease term, the amount of the service fee, the conditions for allowing customers to access the safe, as well as the rights and obligations of the parties.
To conclude a lease agreement, each of the clients submits Required documents specified in the sections "Rental of individual safes to individuals", "Rental of individual safes to legal entities", respectively.
The safe rental period is set at your request (from one day to three years) and can be extended. In accordance with the bank's tariffs, when renting a safe for real estate transactions, you pay the cost of renting a safe (which depends on the size of the safe you have chosen and the lease term) and the cost of providing control over access to the safe.
At your request, a technique for recalculating and verifying the authenticity of banknotes can be provided.
The service fee is paid by agreement by one of the participants in the transaction: an individual pays in cash to the bank’s cash desk by debiting funds from the deposit available in this PJSC branch Sberbank or by debiting funds from a bank card account issued by Sberbank; a legal entity pays for the service in a non-cash way, while a reservation of a safe is provided (you can find the conditions for reservation in the section "Rental of individual safes to legal entities").
Having rented an individual safe, each participant in the transaction will receive a package of documents consisting of:
When drawing up an acceptance certificate, one of the buyers (by agreement) will receive the key to the rented safe for self-storage.
In order to ensure the reliability of settlements, the following procedure is provided for customers visiting a rented safe:
Any seller or buyer may allow access to the safe by a trusted person under a valid lease agreement, which is detailed in the sections “Rental of individual safes to individuals”, “Rental of individual safes to legal entities”, respectively.
We also draw your attention to the fact that Sberbank provides the service of renting individual safes for settlements on real estate transactions made using bank credit funds.
As an alternative banking instrument, without the use of cash Money, for settlements on any contractual transaction We suggest using Letter of Credit.Get information about the service.
If you wish to visit a rented safe accompanied by partners, clients, relatives (no more than 2 people), you can draw up an additional agreement for access to an individual safe for an extended circle of people. At the same time, any data on third parties is not indicated in the additional agreement. Thus, you can change the persons accompanying you at your discretion at each visit.
You can grant the right to visit a rented safe accompanied by third parties to your authorized representative. To do this, you need to indicate the details of the authorized person in the additional agreement for an additional fee, as well as draw up a power of attorney in accordance with the requirements of the section "Rental of individual safes to individuals".
During the period of validity of the additional agreement, persons who have submitted identification documents (no more than 2 people) receive access to the rented safe together with you or your authorized representative.
The service for the admission of an extended circle of persons is not provided when concluding a lease agreement for an individual safe in an automated vault, as well as when concluding an agreement for making settlements between clients, incl. on real estate transactions.
What must be included in a power of attorney to rent a safe?
Private clients and individual entrepreneurs can issue a power of attorney to a notary. Legal entities draw up powers of attorney in accordance with the rules established by the Civil Code of the Russian Federation.
The power of attorney, including the general one, must contain the name and address of the bank office where the safe is rented, the number of the safe, as well as the powers vested in the representative of the tenant. If a power of attorney is issued to conclude an agreement, then the name and address of the bank's office, the number of the safe may not be indicated.
What powers can be delegated by proxy?
The tenant may delegate to his representative the authority to:
Implementation of all rights and obligations arising from the contract;
Single and repeated access to the safe;
Inspection of the safe, insertion and withdrawal of items during the term of the contract;
Conclusion of a lease agreement and additional agreements, including on the extension of the lease term, payment of rent, admission to the safe for an extended circle of people, replacement of the safe;
For actions to restore the safe to work, for example: paying a fee for restoring the safe to work, filing an application for damage or loss of the key, etc.;
Completion of the lease of the safe, including the return of the key to the safe, the payment of rent and other payments in case of late termination of the lease, as well as the receipt of part of the rent in case of early termination of the contract;
Other powers.
In what cases can the bank refuse access to the safe?
The representative will not have access to the safe until the verification of the power of attorney by Sberbank is completed. Verification takes up to 2 business days, not counting the day the power of attorney is submitted. Until the verification of the power of attorney is completed, the bank may refuse access to the safe:
If the powers of the tenant's representative are not formalized in accordance with the requirements specified in the lease agreement;
If there is information about the termination of the power of attorney or signs of its forgery, erasures, unspecified corrections are found;
If the power of attorney for the disposal of property does not stipulate the actions of the representative when renting a safe.
How to issue a power of attorney for those who live abroad?
Powers of attorney of citizens of Russia, foreign citizens and stateless persons residing abroad can be certified by the authorized bodies of the country of residence (with subsequent legalization in the consular institution of the Russian Federation, unless otherwise provided by international treaties that abolish consular legalization), or by consular institutions of the Russian Federation.
The power of attorney can be legalized in the consular office of the Russian Federation on the territory of the state where it was issued, or directly in the Russian Federation.
For which countries do not need to legalize a power of attorney at the Russian consulate?
You do not need to legalize the power of attorney at the Russian consulate if you issued it in the countries participating in the Hague Convention or the Minsk Convention. For member countries of the Hague Convention, the power of attorney must contain a special identification inscription (apostille).
Do I need a translation for a power of attorney in a foreign language?
For a power of attorney in a foreign language, a translation into Russian is required, including the names of the officials who signed the document and the seal (if any). The translation should be placed on one page with the text of the power of attorney, separated by a vertical bar, or on a separate sheet. The translation must be certified by the translator's signature.
In order to obtain access to the safe at the bank, the tenant's heirs must bring to the bank a document from a notary confirming the inheritance law (certificate of the right to inheritance by law or by will).
Prior to the issuance of such a document, the following procedure is provided:
Options:
Items can be transferred for storage to a notary or other persons who are determined by a notary;
If the rental period of the safe has not expired, the items can be placed back in the safe for storage. In this case, the renewal of the lease agreement for heirs is not performed, and the lease term is not extended. The bank warns the notary and interested parties about the end date of the lease.
