What should you do if the bank's obligations to the depositor exceed the maximum deposit insurance compensation amount (RUB 1,400,000)?

Depositors who, after receiving insurance compensation, still have an unpaid portion of the deposit exceeding the maximum amount of insurance compensation may file a creditor's claim with the bank in order to receive the remaining deposit amount during the bank's bankruptcy proceedings (liquidation).

To do this, the depositor (except for the categories of depositors listed below) only needs to complete the section in the compensation payment application regarding the inclusion of the bank's obligations in the register of creditors' claims.

The following categories of applicants are exceptions:

• heirs (their representatives);
• depositors in respect of whom bankruptcy proceedings have been initiated;
  
• depositors holding escrow accounts opened for settlements under a real estate sale and purchase transaction, or escrow accounts opened for settlements under shared-equity construction agreements;
  
• legal successors of a legal entity.
  

The submission of claims by the specified categories of applicants is carried out in accordance with the procedure established by Federal Law No. 127-FZ.

More details – here.