Safe deposit boxes. Renting of a bank cell

Safe cells are special small places where a person can hide from people's eyes the things that represent a certain value for him. What are they? What security guarantees do you give? What features when they are ordered exist? All these issues will be considered by us in the framework of this article.

Main competitors

Deposit cells compete for popularity with home safes. Of course, neither in that, nor in any other case can we fully guarantee the safety of things. But if they are insured, in the case of a bank it will be easier to get a monetary equivalent. We'll talk more about this later. It should also be noted that a cell in a bank can provide not only anti-burglary, but also fire protection. Also, when you redesign your home, you do not need to think about where to move the safe. Also, a cell in a bank usually has two layers of protection, which allows it to withstand not only breaking, but also various disasters like fire.

Reliability and ease of use

Deposit cells in banks meet the requirements for technical condition, without this, a financial institution will be fined. Also, a significant advantage is the organization of bank protection. So, a serious problem for potential intruders will be a separate room, where the cells are located, as well as the fact that in case of what a rapid reaction unit will be called.

Also in favor of reliability says that banks declare the use of unique keys (although how things are in reality - we do not undertake to judge). Therefore, to open someone else's cell from impure employees and create the appearance of legality will not work. It is also important that you can choose the storage for the required size of the thing, indicate the period of its lease, and also, if desired, take care of access to any person who wishes. The deposit cells can also be subject to even a tripartite agreement. In such cases, the cell can be opened only if both partners are present. It is also possible to design a cell for a legal entity. This will pay for it at the expense of the enterprise, and access will be available only to those employees who were previously identified as trustees. Also, there must be samples of their signatures. Thus, it is possible to prevent unauthorized access to documents that are of great importance.

How much does it cost to remove safe deposit boxes?

The bank sets prices based on its costs, but in general it is possible to derive the range in which most financial institutions operate. So, this is about 40-50 rubles per day (for a cell intended for storing documents). In order not to go around the bush and guess at the coffee grounds, let's turn to the biggest financial institution of the country - that is, Sberbank will help us. Safe cells in it fit into the above range. If they can not satisfy you in their size, this financial institution leases entire safes! True, they have the cost and the corresponding - starting from 100 rubles for one day, but the size is such that almost all that is needed, will fit.

Search

Despite the apparent high price, it is difficult to find unoccupied safe cells. Moscow, Ryazan, St. Petersburg, Vladivostok, Tver - it will be difficult to come to the first branch of the bank and to order a small storage. Therefore, the possibility of remote access is also popular. It consists in the fact that a person who seeks deposit boxes for their purposes communicates with the financial institution's support service and is provided with information on where to use the service. And the branches are specified on the basis of how comfortable the client will be to get to it to check the contents or pick it up.

What do banks offer their clients?

Together with the repository, customers are given certain advantages. To consider what they are, the Sberbank depository will help us:

1. Cells are located in a room that was specially equipped for this task.
2. The depositary has a number of modern passive means of protection, as well as 24-hour security.
3. Cells are safes of various sizes, which are further hidden in an armored cabinet.
4. You can choose the size of the storage, depending on your needs and willingness to pay for it.
5. There is a flexible system of discounts - so, the longer is the period for which the cell is leased, the less it is necessary to pay.
6. There is a special mode of storage organization to exclude access to the values of third parties to the values that are in the bank (it is protected even from employees of the financial institution).
7. At the time of investing values in the cell there is only the owner to maintain confidentiality. From this rule, there are exceptions related to insurance, which we will talk about a little later.
8. The safe is opened only if two keys are used at the same time. One of them is located at the customer bank, and the second - the employee.

That's what the depositary of Sberbank is. And now let's pay attention to point number 7.

Features

As a rule, bank cells are used to store valuables. Although it may be that they are ordered to store money that was hidden from the tax service. Be that as it may, the contents of the cell are usually placed in it privately. But even from this there are exceptions.

So, if there is something of value there that you do not want to lose, then there may be outsiders. For example, an insurance agent whose task is to make sure that the client has actually put a thing there that is insured. And the fact that this is the original, not a fake. Also, in order to regulate your visits and avoid the "unexpected" loss of a thing, visits will be recorded by the responsible employee of the bank. This, as a rule, refers to cases where a person wants to keep "white" jewelry or just valuable things for himself (in such cases, moral harm is insured).

What is stored in safe cells?

As a rule, these are documents, jewelry, securities, money, works of art, photographs - in a word everything that provides value to a person who has a desire to hide it. There is a list of things that can not be stored in safe cells. As a rule, this means weapons, drugs, perishable food (like fish or meat). According to the rules of banks, they do not have the right to mandatory verification of what is put in the vault. But with each person a contract is concluded, which stipulates that there will be nothing illegal and forbidden by the rules of the financial institution in the safe. To "motivate" to act according to the rules, as a rule, it is stipulated that in case of breach of contract, a significant amount of a fine will be imposed on the client, the amount of which varies from tens to hundreds of thousands of rubles, and this is relative to those depositaries that are available to ordinary citizens.

Access by unauthorized persons

Conditionally, this clause of the article can be divided into three parts:

1. Access trusted persons. This implies that a person who rents a safe makes up a document that, apart from him, access to the cell has a certain list of persons that is necessarily attached. Also, the conditions for admission and a number of smaller nuances can be prescribed.
2. Access of bank employees. Despite the fact that they have one key, if the client loses his, the only way to access the cell is to hack it. Typically, this process is that a special wizard is called up, which, with the employee and the owner of the contents, drills the lock (less often the saw itself).
3. Access on behalf of a legal entity. This option involves the preparation of a specific agreement with a certain company, which stipulates that a number of persons can access the contents of the depository. Usually this option is used relative to documents that are important for the functioning of the company. Those who have access are usually prescribed by the director, his deputy, chief accountant, and a number of other people.

What does a citizen need to rent a cell?

If it is ordered by an individual, then the document proving the identity will suffice, as well as the original of the certificate on assignment of the taxpayer identification number. Pay the cell is necessary immediately after the contract was signed. If an agreement is made on behalf of a legal entity, it is necessary to have copies of the certificate of state registration, statutory documents (necessarily with all additions and changes), references for entering into a single register, as well as a document that confirms the person's authority that signs the contract.