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Ministry of Justice

Russian Federation 

On August 31, 2022 No. 69875

INSTRUCTION OF CENTRAL BANK OF THE RUSSIAN FEDERATION

of June 3, 2022 No. 6150-U

About form of the table included in bank deposit agreements with physical persons in which information provided by parts one and the second article 36.2 of the Federal Law of December 2, 1990 No. 395-I "About banks and banking activity" is specified

Based on part one of article 36.2 of the Federal Law of December 2, 1990 No. 395-I "About banks and banking activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ) <1>:

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<1> Sheets of the Congress of People's Deputies of RSFSR and Supreme Council of RSFSR, 1990, No. 27, Art. 357; Russian Federation Code, 1996, No. 6, Art. 492; 2021, No. 27, Art. 5152.

1. This Instruction establishes form of the table included in bank deposit agreements with physical persons in which <2> information are specified provided by parts one and the second article 36.2 of the Federal Law of December 2, 1990 No. 395-I "About banks and banking activity" (in edition of the Federal Law of February 3, 1996 No. 17-FZ) (further - the table of terms of the contract of bank deposit) (appendix to this Instruction).

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<2> Sheets of the Congress of People's Deputies of RSFSR and Supreme Council of RSFSR, 1990, No. 27, Art. 357; Russian Federation Code, 1996, No. 6, Art. 492; 2021, No. 27, Art. 5152.

2. This Instruction is subject to official publication and according to the solution of the Board of directors of the Bank of Russia (the minutes of the Board of directors of the Bank of Russia of May 27, 2022 No. PSD-35) become effective since October 1, 2022.

Chairman of the Central bank of the Russian Federation

E. S. Nabiullina

Appendix

to the Instruction of the Bank of Russia of June 3, 2022 No. 6150-U "About form of the table included in bank deposit agreements with physical persons in which the" information" provided by parts one and the second article 36.2 of the Federal Law of December 2, 1990 No. 395-I "About banks and banking activity is specified

Form

Table of terms of the contract of bank deposit

No. of payment order

Term of the contract of bank deposit

Contents of the term of the contract of bank deposit

1

2

3

1

Contribution type

2

Amount and currency of contribution

3

Possibility of replenishment of contribution, the available restrictions for replenishment of contribution

4

The term and date of return of contribution - according to term deposits.

On the bank deposit agreements signed on the terms of issue of contribution on demand the words "poste restante" are specified

5

Interest rate (interest rates) for contribution as a percentage annual - on bank deposit agreements in which the fixed value or fixed values of interest rate of the agreement party determine in bank deposit agreement in case of its conclusion (permanent interest rate). In the presence of several deposit interest rates the condition and period of time of application of each of them are specified. On on-demand deposits the interest rate is specified date of the conclusion of bank deposit agreement, and also information on possibility of change by bank of the size of the paid interests if such opportunity is provided by bank deposit agreement is specified.

In case of application of variable interest rate (the interest rate containing variables which values are determined proceeding from the circumstances which are not depending on bank and persons affiliated with it) - procedure for its determination and value for date of the conclusion of bank deposit agreement, procedure and term of informing the investor on change of such interest rate

6

Payment procedure to the investor of deposit interests

7

Interest rate (interest rates) or procedure for its determination in case of early return of the amount of term deposit or its part upon the demand of the investor

8

Possibility of early return of part of the amount of term deposit without change of conditions about the size of percent and frequency of their payment, condition of such early return, the size of not reduced deposit amount remaining balance

9

Opportunity and procedure for prolongation of term of term deposit

10

Method of exchange of information between bank and the investor

...

Other conditions which are not contradicting requirements of the Federal Laws (join in the presence in the additional lines with continuation of numbering to procedure)

In case of placement of part of the table of terms of the contract of bank deposit on the second and the pages of bank deposit agreement following one after another headings of columns of the table of terms of the contract of bank deposit repeat. Lines of the table of terms of the contract of bank deposit are transferred to the following page entirely, except cases when contents of the term of the contract of bank deposit occupy more than one page of bank deposit agreement. The exception of lines of the table of terms of the contract of bank deposit is not allowed. This paragraph does not join in the table of terms of the contract of bank deposit.

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