PROVISION OF THE CENTRAL BANK OF RUSSIA

of April 24, 2008 No. 318-P

About procedure for conducting cash transactions and storage precautions, transportations and collections of banknotes and coin of the Bank of Russia in credit institutions in the territory of the Russian Federation

This Provision for the purpose of the organization in the territory of the Russian Federation cash circulation according to requirements of the Federal Law "About the Central Bank Russian Federation (Bank of Russia)" (The Russian Federation Code, 2002, N 28, Art. 2790; 2003, N 2, Art. 157; N 52, of Art. 5032; 2004, N 27, Art. 2711; N 31, of Art. 3233; 2005, N 25, Art. 2426; N 30, of Art. 3101; 2006, N 19, Art. 2061; N 25, of Art. 2648; 2007, N 1, Art. 9, Art. 10; N 10, of Art. 1151; N 18, of the Art. 2117), Federal Law "About Banks and Banking Activity" (Sheet of the Congress of People's Deputies of RSFSR and Supreme Council of RSFSR, 1990, N 27, Art. 357; Russian Federation Code, 1996, N 6, Art. 492; 1998, N 31, Art. 3829; 1999, N 28, Art. 3459, Art. 3469; 2001, N 26, Art. 2586; N 33, of Art. 3424; 2002, N 12, Art. 1093; 2003, N 27, Art. 2700; N 50, of Art. 4855; N 52, of the Art. 5033, Art. 5037; 2004, N 27, Art. 2711; N 31, of Art. 3233; 2005, N 1, Art. 18, Art. 45; N 30, of Art. 3117; 2006, N 6, Art. 636; N 19, of Art. 2061; N 31, of the Art. 3439, N 52, Art. 5497; 2007, N 1, Art. 9; N 22, of Art. 2563; N 31, of Art. 4011; N 41, of Art. 4845; N 45, of Art. 5425; N 50, of Art. 6238; 2008, N 10, the Art. 895) and 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 April 18, 2008 N 8) determine procedure for conducting cash transactions with currency of the Russian Federation in the form of banknotes and coin of the Bank of Russia (further - cash) in case of banking operations and other transactions, the operating procedure with the bank notes of the Bank of Russia (daleesomnitelny bank notes of the Bank of Russia), the insolvent, not having counterfeit signs bank notes of the Bank of Russia (daleeneplatezhesposobny bank notes of the Bank of Russia), bank notes of the Bank of Russia raising doubts in solvency which availability of signs of counterfeit does not raise doubts at the cash employee of credit institution (further - the bank notes of the Bank of Russia having counterfeit signs) and also establishes storage precautions, transportations and collections of cash in credit institutions in the territory of the Russian Federation.

Section I. Organization of work on conducting cash transactions, storage, transportation and collection of cash

Chapter 1. General provisions

1.1. Credit institution (branch) (further - credit institution), internal structural divisions of credit institution (further - VSP) can perform the following cash transactions - acceptance; issue; exchange of banknotes of the Bank of Russia, coin of the Bank of Russia of one nominal on banknotes of the Bank of Russia, coin of the Bank of Russia of other nominal; exchange of banknotes and coin of the Bank of Russia according to the Instruction of the Bank of Russia of December 26, 2006 No. 1778-U "About signs of solvency and rules of exchange of banknotes and coins of the Bank of Russia", the registered Ministry of Justice of the Russian Federation on January 16, 2007 No. 8748, on July 15, 2009 No. 14343 ("the Bulletin of the Bank of Russia" of January 31, 2007 No. 5, of July 22, 2009 No. 43), (further - the Instruction of the Bank of Russia No. 1778-U); the processing including recalculation, sorting of banknotes of the Bank of Russia on the banknotes of the Bank of Russia and banknote of the Bank of Russia, suitable for the address, corresponding to signs of shabby banknotes (appendix 22 to this Provision) (further - shabby banknotes of the Bank of Russia), forming of banknotes of the Bank of Russia in backs, packaging of cash in packs of banknotes, cartridges with packs (backs) of banknotes, sacks with coin according to the procedure, established by Chapter 14 of this provision, or in the collector bags, special sacks, cases, cartridges and other means for packaging of cash which are ensuring safety of cash and not allowing to perform their opening without visible traces of violation of integrity (further - bag).

Cash transactions are performed in credit institution, VSP with clients - legal entities (including other credit institutions, VSP of other credit institutions), the physical persons performing business activity without formation of legal entity, the physical persons who are engaged in the procedure established by the legislation of the Russian Federation in private practice (further - the organizations), and physical persons. Cash transactions can be performed using program technical means - automatic devices for receiving and delivery of cash to clients with use of the personal computer established on workplace of the cash worker (further - the cash terminal), the devices functioning in the automatic mode and intended for acceptance of bags with cash from clients (further - the automatic safe), the devices functioning in the automatic mode and intended for acceptance of cash from the organizations (further - the automatic intake), ATMs, payment terminals and other program technical means.

Program technical means which design provides sheet investment of cash the client and issue of the accepted cash to the client without processing in credit institution, VSP shall have recognition function at least four machine-readable protective signs of banknotes of the Bank of Russia which list is established by the regulation of the Bank of Russia.

Program technical means which design provides acceptance of banknotes of the Bank of Russia from clients shall have recognition function at least four machine-readable protective signs of banknotes of the Bank of Russia which list is established by the regulation of the Bank of Russia.

Transactions on acceptance of cash from the organizations in credit institution for transfer of the amounts of the accepted cash on bank accounts of these organizations, from physical persons - on their bank accounts, accounts on deposits (to cash disbursement of money with write-off of the amounts of the issued cash to the organizations from bank accounts of these organizations, to physical persons - from their bank accounts, accounts on deposits) are cash customer service.

1.2. The credit institution the administrative document determines the sum of the minimum remaining balance of storage of cash. In the administrative document of credit institution the amounts of the minimum remaining balance of storage of cash separately for credit institution, each its VSP located in the territory subordinated to territorial office of the Bank of Russia in which the credit institution which opened VSP, and the total amount of the minimum remaining balance of storage of cash created of the amounts of the minimum remaining balance of storage of cash of credit institution and the specified VSP is located are specified. To VSP which is not performing storage of cash the sum of the minimum remaining balance of storage of cash is not determined. In the administrative document of credit institution it is specified that upon termination of the working day cash is not stored in this VSP.

The credit institution no later than the next working day after day of establishment of the amount of the minimum remaining balance of storage of cash sends to Department of supervision of systemically significant credit institutions of the Bank of Russia if it exercises supervision of activities of credit institution, the territorial office of the Bank of Russia exercising supervision of activities of credit institution (the organization of the Bank of Russia performing cash servicing of credit institution) in any form the written message on the amounts of the minimum remaining balance of storage of cash. The written message on the amounts of the minimum remaining balance of storage of cash goes branch also to the credit institution which opened it.

If VSP is located outside the territory subordinated to territorial office of the Bank of Russia in which the credit institution which opened VSP is located, the amount of the minimum remaining balance of storage of cash of VSP does not join credit institution in the total amount of the minimum remaining balance of storage of cash and is established by the separate administrative document of credit institution.

The written message on the amount of the minimum remaining balance of storage of cash of VSP, located outside the territory subordinated to territorial office of the Bank of Russia in which the credit institution which opened VSP is located goes credit institution to territorial office of the Bank of Russia in the place of opening (location) of VSP (the organization of the Bank of Russia performing cash servicing of VSP).

In case of establishment of the amount of the minimum remaining balance of storage of cash the credit institution considers features of the organization of cash work, amounts of average daily turnovers of the cash passing through cash desks of credit institution and its VSP including on transactions using program technical means. The amount of the minimum remaining balance of storage of cash shall provide timely cash disbursement of money to clients at the beginning of the working day. The amount of the actual remaining balance of cash for the end of the working day shall not be less amount of the minimum remaining balance of storage of cash.

Again created credit institution determines the sum of the minimum remaining balance of storage of cash based on predicted data about cash turnover which will pass through cash desk of credit institution.

In case of change of amounts of average daily turnovers of the cash passing through cash desks of credit institution, its VSP including on transactions using program technical means, the credit institution reviews the determined sum of the minimum remaining balance of storage of cash according to the procedure, established by this Item, at discretion or on receipt of the written message of Department of supervision of systemically significant credit institutions of the Bank of Russia if it exercises supervision of activities of credit institution, territorial office of the Bank of Russia exercising supervision of activities of credit institution or in the place of opening (location) of VSP (organization of the Bank of Russia performing cash servicing of credit institution, VSP).

1.3. Cash transactions, storage of cash, work with the doubtful, insolvent, having counterfeit signs bank notes of the Bank of Russia (further - transactions with cash) are performed in credit institution, VSP in rooms for making of transactions with values.

The equipment of rooms for making of transactions with values and installation of program technical means are performed by credit institution with observance of requirements to rooms for making of transactions with values and to program technical means of credit institutions, VSP (appendix 1 to this Provision). The quantity, arrangement of rooms for making of transactions with values, and also need of installation of program technical means are determined by credit institution. Rooms for making of transactions with values of credit institution, VSP can be located in several buildings having different addresses within one settlement.

Work on conducting cash transactions by cash workers and work with the doubtful, insolvent and having counterfeit signs bank notes of the Bank of Russia will be organized by one of cash workers (further - the treasurer).

The credit institution the administrative document determines the officials performing storage of cash, one of which is the head (his deputy) of credit institution, VSP or other authorized person, the second - the treasurer (further - the officials responsible for safety of values).

In VSP storage of cash according to administrative or other document of credit institution can be carried out by one cash worker (further - the cash employee of VSP). In this case cash transactions, work with the doubtful, insolvent, having counterfeit signs bank notes of the Bank of Russia in VSP are carried out by this cash worker.

1.4. The requirements to technical reinforcement of rooms for making of transactions with values established in appendix 1 to this Provision are not applied and determined by credit institution taking into account terms of the contract of property insurance of cash in cases:

if cash in credit institution, VSP is insured a minimum of the total amount of the minimum remaining balance of storage of cash or at least amounts installed separately for credit institution, each its VSP located in the territory subordinated to territorial office of the Bank of Russia in which the credit institution is located;

if cash in VSP located outside the territory subordinated to territorial office of the Bank of Russia in which the credit institution which opened VSP is located is insured a minimum of the amount of the minimum remaining balance of storage of cash established for this VSP;

if cash in VSP which is not performing storage of cash is insured a minimum of the amount of amounts of average daily turnovers of the cash passing through cash desks of VSP including on transactions using program technical means.

1.5. The credit institution, VSP can perform collection, delivery of cash of clients in credit institution, VSP including which are handed over by clients via automatic safes for transfer of their amounts on bank accounts (further - collection of cash).

Credit institution, VSP can perform transportation of the cash accepted by them in credit institution, VSP, the organization of the Bank of Russia performing cash servicing of credit institution, VSP, and their delivery in credit institution, VSP, the organization of the Bank of Russia performing cash servicing of credit institution, VSP, or transfer to the client and also withdrawn from program technical means and which are subject to loading in program technical means of cash (further - transportation of cash).

Transportation of cash, collection of cash are carried out by collector workers whose work will be organized by the official of credit institution (further - the head of collection).

Regarding acceptance and processing of cash the organization which is a part of the system of the Bank of Russia, transporting cash, collection of cash, transactions on acceptance and processing of cash of clients of credit institution can perform transportation of cash, collection of cash, and also cash transactions (further - the organization which is a part of the system of the Bank of Russia).

The credit institution can attract the organizations rendering services in transportation of valuable cargoes to transportation of cash.

1.6. The credit institution, VSP can perform loading of cash in the ATM of other credit institution, cash withdrawal of money from the ATM, the payment terminal, the automatic intake of other credit institution, and also delivery and collection of cash of other credit institution, VSP.

1.7. Contracts on full financial responsibility in accordance with the legislation of the Russian Federation are signed with the officials responsible for safety of values, the cash, collector workers performing transactions with cash, transportation of cash, collection of cash.

In case of collateral execution by the officials responsible for safety of values, cash, collector workers of transactions with cash, transportations of cash, collections of cash and impossibility of differentiation of responsibility of each worker for damnification and the conclusions of contracts with them on compensation of damage in complete size, with the specified workers sign contracts on collective (brigade) financial responsibility.

1.8. Functions, the rights and obligations of the officials responsible for safety of values, cash, collector workers are determined by credit institution taking into account requirements of the legislation of the Russian Federation and this provision.

1.9. The officials responsible for safety of values, cash, collector workers shall know the procedures for conducting cash transactions, storage precautions, transportations of cash established by this Provision, collections of cash in credit institutions in the part concerning the specified workers.

The credit institution can perform examination of this provision the officials responsible for safety of values, cash, collector workers. The procedure and terms of the conducting check, the document form confirming knowledge of this provision are determined by credit institution.

1.10. When implementing transactions with cash, performance of work on transportation of cash, the officials responsible for safety of values, cash, collector workers it is forbidden to collection of cash:

perform the work which is not provided by their job descriptions;

subcontract implementation of transactions with cash, performance of work on transportation of cash, collections of cash to other persons;

store personal money together with cash of credit institution.

1.11. The head of credit institution shall provide conditions of safety of cash, control of complete and timely receipt arrived in credit institution, VSP of cash, the organization of work on implementation of transactions with cash, transportation of cash, to collection of cash.

The credit institution in case of loss, plunder of cash, attack on the officials responsible for safety of values, cash, collector employees of credit institution in rooms for making of transactions with values, and also in transit, collection of cash (further - case of loss of cash) no later than three days after day of approach of case of loss of cash sends the written message on case of loss of cash in any form to Department of supervision of systemically significant credit institutions of the Bank of Russia if it exercises supervision of activities of credit institution, to the territorial office of the Bank of Russia exercising supervision of activities of credit institution or territorial office of the Bank of Russia in the place of opening (location) of VSP if VSP is located outside the territory subordinated to territorial office of the Bank of Russia, on which the credit institution, and to Department of cash circulation of the Bank of Russia is located. In the written message on case of loss of cash are specified complete corporate (reduced corporate) the name of credit institution (further - trade name of credit institution) or the full (reduced) name of branch (further - the name of branch), or the name and (or) number VSP (in the presence) or other identifying signs of VSP (in the absence of the name and number) with indication of its accessory to credit institution (branch) (further - the name VSP), date of creation of the written message on case of loss of cash, date and time of approach of case of loss of cash, the amount of the lost cash by figures and copy-book, the description of case of loss of cash, other information on case of loss of cash.

1.12. Relations of credit institution with clients, the organizations of the Bank of Russia performing cash servicing of credit institution or VSP the organization which is a part of the system of the Bank of Russia, the organizations rendering services in transportation of valuable cargoes for implementation of cash transactions, transportation of cash of collection of cash are determined based on the agreements signed in accordance with the legislation of the Russian Federation.

In case of detection of surplus, shortages of cash, the doubtful, insolvent and having signs of counterfeit bank notes of the Bank of Russia in case of recalculation in credit institution, VSP of the cash created and packed in credit institution, VSP by cash workers into packs of banknotes, sacks with coin, the cash created and packed by cash, collector workers into bags with cash and also discrepancies of the actual availability of cash to data of cash documents the credit institution establishes origins of the specified discrepancies and takes measures for their settlement. The procedure for settlement of the revealed discrepancies is determined by credit institution.

1.13. The credit institution, VSP apply the document forms established by the Instruction of the Bank of Russia of July 30, 2014 No. 3352-U "About the document forms applied by credit institutions in the territory of the Russian Federation when implementing cash transactions with banknotes and coin of the Bank of Russia, banknotes and coin of foreign states (group of foreign states), transactions with ingots of precious metals, and procedure for their filling and registration", the registered Ministry of Justice of the Russian Federation on September 24, 2014 No. 34110 ("The bulletin of the Bank of Russia of October 7, 2014 No. 91-92, and also this Provision, drawn up on paper or in electronic form according to this Provision.

The book of storage of values 0402118 (further - the book 0402118) (appendix 2 to this Provision), the book of accounting of the accepted and issued values 0402124 (further - the book 0402124) (appendix 3 to this Provision) are drawn up on paper by hand or with use of technical means and the software, the control magazine of acceptance from under protection and delivery under protection of storage of values 0402162 (further - the magazine 0402162) (appendix 4 to this Provision), register of issue and acceptance of attendance cards, stamps, keys and powers of attorney 0402305 (further - the magazine 0402305) (appendix 5 to this Provision) are drawn up on paper by hand.

In case of registration on papers by hand of the book 0402118, of the book 0402124, of the magazine 0402162, of the magazine 0402305 sheets of the specified books and magazines prior to their maintaining are stitched and numbered. Zaveritelny texts about the number of sheets in the book 0402118 are signed by the head (his deputy), the chief accountant (his deputy) of credit institution (or the authorized persons determined in the administrative document of credit institution), and also the treasurer (the cash employee of VSP) and fastened with impress of a seal (stamp) of credit institution, VSP. Storage of the book 0402118, drawn up by hand, during the working day is performed at the treasurer, the cash employee of VSP, upon completion of the working day - in storage of values, the VSP safe. Procedure for assurance of number of sheets of the book 0402124, the magazine 0402162 and the magazine 0402305, and also procedure for their storage are determined by credit institution.

In case of execution of the book 0402118 with use of technical means and the software the leaf of the book 0402118 is daily printed out on paper. The leaf of the book 0402118 shall contain trade name of credit institution or the name of branch, or the name VSP, the name of the book 0402118, the data which are put down in columns 1 - 4, and also signatures of the officials responsible for safety of values (the cash employee of VSP), and the worker who performed reconciliation with accounting data. The leaf of the book 0402118, drawn up with use of technical means and the software, is located in cash documents.

The book 0402124, drawn up with use of technical means and the software, is kept in electronic form and signed by analogs of sign manuals of the corresponding employees of credit institution, VSP. Procedure for forming in electronic form for books 0402124 and procedure for their transfer between the corresponding employees of credit institution, VSP, the procedure of verification of 0402124 data containing in books, and also procedure for their storage are determined by credit institution taking into account ensuring data storage, containing on the machine data carrier, and exceptions of possibility of introduction of corrections and unauthorized access to them.

1.14. Cash servicing of the organizations, being clients of bodies of the Federal Treasury, financial bodies of subjects of the Russian Federation (municipalities) and governing bodies of state non-budgetary funds of the Russian Federation, is performed by credit institution taking into account requirements of the Provision of the Bank of Russia and Ministry of Finance of the Russian Federation of February 18, 2014 No. 414-P/8n "About features of settlement and cash servicing of territorial authorities of the Federal Treasury, financial bodies of subjects of the Russian Federation (municipalities) and governing bodies of state non-budgetary funds of the Russian Federation", No. 32114 registered by the Ministry of Justice of the Russian Federation on April 24, 2014 ("the Bulletin of the Bank of Russia" of May 8, 2014 No. 43).

1.15. Transactions on receiving and delivery of cash to clients in credit institution with use of payment cards are performed according to the Provision of the Bank of Russia of December 24, 2004 N 266-P "About issue of bank cards and about the transactions made with use of payment cards", the registered Ministry of Justice of the Russian Federation on March 25, 2005 No. 6431, on October 30, 2006 No. 8416, on October 8, 2008 No. 12430, on December 9, 2011 No. 22528, on November 21, 2012 No. 25863 ("the Bulletin of the Bank of Russia" of March 30, 2005 No. 17, of November 9, 2006 No. 60, of October 17, 2008 No. 58, of December 19, 2011 No. 71, of November 28, 2012 No. 67) (further - the Provision of the Bank of Russia No. 266-P).

1.16. Ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 30.07.2014 No. 3353-U

1.17. Ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 30.07.2014 No. 3353-U

1.18. Ceased to be valid according to the Instruction of the Central bank of the Russian Federation of 30.07.2014 No. 3353-U

Chapter 2. Organization of work on conducting cash transactions

2.1. Cash transactions in credit institution, VSP can be performed in operational, postoperative time, and also on the weekend, non-working holidays.

2.2. When implementing cash transactions the credit institution, VSP perform identification of clients according to requirements of the Federal Law "About Counteraction of Legalization (Washing) of Income Gained in the Criminal Way and to Terrorism Financing" (The Russian Federation Code, 2001, N 33, Art. 3418; 2002, N 30, Art. 3029; N 44, of Art. 4296; 2004, N 31, Art. 3224; 2005, N 47, Art. 4828; 2006, N 31, Art. 3446, Art. 3452; 2007, N 16, Art. 1831; N 31, of the Art. 3993, Art. 4011; N 49, of the Art. 6036) and Provisions of the Bank of Russia of August 19, 2004 N 262-P "About identification by credit institutions of clients and beneficiaries for the purpose of counteraction of legalization (washing) of income gained in the criminal way, and to terrorism financing", registered by the Ministry of Justice of the Russian Federation on September 6, 2004 N 6005, on October 11, 2006 N 8374 ("the Bulletin of the Bank of Russia" of September 10, 2004 N 54, of October 18, 2006 N 56).

2.3. The credit institution, VSP when implementing cash transactions carry out control of level of radioactive radiation of bank notes according to the Instruction of the Bank of Russia of December 4, 2007 N 131-I "About procedure for identification, temporary storage, clearing and destruction of bank notes with radioactive pollution", registered by the Ministry of Justice of the Russian Federation on December 29, 2007 N 10846 ("the Bulletin of the Bank of Russia" of January 23, 2008 N 3).

2.4. Transactions on acceptance of cash from clients are performed in credit institution, VSP based on receipt cash documents - announcements on fee cash 0402001, representing the set of documents consisting of the announcement (further - the announcement 0402001), receipts (further - the receipt 0402001), orders (further - the order 0402001); cash receipt orders 0402008; preprovoditelny sheets to bags 0402300, representing the set of documents consisting of the sheet (further - the sheet to bag 0402300), delivery note (further - delivery note to bag 0402300), receipts (further - the receipt to bag 0402300).

Transactions on cash disbursement of money to clients are performed based on issue cash documents - cash checks, cash payment orders 0402009.

Number of copies of cash receipt orders 0402008, of cash payment orders 0402009 is determined by credit institution taking into account requirements of this provision.

The credit and debit cash order 0402007, the representing set of documents consisting of receipt part of the credit and debit cash order 0402007 and account part of the credit and debit cash order 0402007 belongs to the cash documents processed in credit institution, VSP on transactions of acceptance, cash disbursement of money.

In cash documents sources of cash receipts of money and the direction of their issues according to symbols of the reporting under the form 0409202 "The report on cash money turnover" provided by the Instruction of the Bank of Russia of November 12, 2009 No. 2332-U "About the list, forms and procedure for creation and representation of forms of the reporting of credit institutions in the Central bank of the Russian Federation" are specified the registered Ministry of Justice of the Russian Federation on December 16, 2009 No. 15615, on June 18, 2010 No. 17590, on December 22, 2010 No. 19313, on June 20, 2011 No. 21060, on December 16, 2011 No. 22650, on July 10, 2012 No. 24863, on September 20, 2012 No. 25499, on December 20, 2012 No. 26203, on March 29, 2013 No. 27926, on June 14, 2013 No. 28809, on December 11, 2013 No. 30579, on March 28, 2014 No. 31760, on June 18, 2014 No. 32765 ("the Bulletin of the Bank of Russia" of December 25, 2009 No. 75-76, of June 25, 2010 No. 35, of December 28, 2010 No. 72, of June 28, 2011 No. 34, of December 23, 2011 No. 73, of July 19, 2012 No. 41, of September 26, 2012 No. 58, of December 27, 2012 No. 76, of March 30, 2013 No. 20, of June 25, 2013 No. 34, of December 28, 2013 No. 79-80, of March 31, 2014 No. 34, of June 27, 2014 No. 61).

Cash documents can be processed and be stored the Bank of Russia, in electronic form according to the Instruction, of November 25, 2009 No. 2346-U "About storage in credit institution in the electronic form of separate documents connected with registration of accounting, settlement and cash transactions under the organization of works on conducting financial accounting", the registered Ministry of Justice of the Russian Federation on December 25, 2009 No. 15828, on October 7, 2011 No. 21994 ("the Bulletin of the Bank of Russia" of December 30, 2009 No. 78, of October 20, 2011 No. 57) (further - the Instruction of the Bank of Russia No. 2346-U).

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