Today ndalama pamaso kuika gawo mosamala kusankha banki, afufuze kudalirika, ndi kusamala umafuna bwino ndi zinthu. Monga angapo zaka zapitazo, monga kusankha sikunapatsidwa, ndipo anthu onse ankayenera ndalama zilipo, kudalira ndalama zawo Sberbank. Anthu zaka amasunga ndalama zosowa zosiyanasiyana, munthu wina atafuna kuti apeze ndalama kuti chilichonse samakana wakale, munthu anatsegula nkhani ndi dzina la ana kapena adzukulu, ena akafuna kupulumutsa kwanu kapena galimoto. Chirichonse chimene icho chinali, koma mu 1991, ziyembekezo zonse si zimene zinachitika mosayembekezereka. Anasonkhanitsa zaka devalued ndalama maulendo ambirimbiri.
Ndi boma sizingakusangalatseni kusiya anthu ake adzawonongedwa, chomwechonso chipukuta misozi cha madipoziti ikuchitika mu 1996. N'zoona kuti mudziwe za izo mofulumira palibe kuulula, ochepa mukudziwa za malipiro, ndipo chikanathandiza depositors ndalama anabadwa pasanafike 1916. Koma tsopano malamulo zasintha, ndipo malipiro a madipoziti zilipo kwa anthu onse anabadwa pasanafike 1991.
Mogwirizana kufufuma, boma anakonza malipiro zotsatirazi chiwembu. Malinga m'badwo wa depositor zopereka Soviet adzakhala kuchulukitsa ndi kawiri kapena katatu. Choncho, amene anabadwa pamaso 1945, amapereka malipiro a katatu chiwerengero cha madipoziti mu 1991, anthu omwe anabadwa pakati pa 1946 ndi 1991, adzalandira malipiro mu kukula awiri.
Ngakhale ngati malipiro kale, ndi Investor ali ndi ufulu kuitanitsa recalculation. chopereka koyamba adzakhala kuchulukitsa ndi ziwiri kapena zitatu. Cha ndalamazo ayenera deducted kale chipukuta misozi ndiponso moganizira adzakhala chikalata kwa obatizidwayo. Zonsezi umakhala ngati chopereka zomveka, ngati chatsekedwa, ndalama ndi kuchulukitsa ndi zinthu kuchepetsa. The koyefishienti zimadalira zopereka pamene anali atatseka kuposa kenako anapangidwa, apamwamba phindu lake. Pankhani ya kutseka gawo mu 1991, chipukutamisozi madipoziti analipira si refundable.
Lero, malipilo amaperekedwa kwa madipoziti awo, komanso olowa. Mbali yoyamba mukufuna kulankhula ndi dipatimenti ya Sberbank okha ndi bankbook ndi pasipoti. Ngati buku atayika, muyenera banki kulemba mawu. Ngati depositor ndi wamwalira, chipukuta misozi pa madipoziti kuika wolowa wake. Pankhaniyi, muyenera kukhala ndi passbook, pasipoti, chikalata chotsimikizira Russian nzika ya depositor ndi kalata ya cholowa.
Kupatula Russia, kupereka madipoziti zimachitika m'mayiko ena, pamaso zakale Soviet. Yachangu anachita Lithuania. Pafupifupi 80% ya anapeza kuchokera wamba anatenga pa malipiro a ndalama yotayika. M'magazini ino Kazakhstan anaganiza kuti apereke kumangigwa. Iwo adzakhala kwathunthu amazibwezera pensioners mu zaka 5 kapena 10, ndi wamphamvu nzika - 15 - 20 zaka. Armenia akufuna azilipira kwathunthu imfa ya depositors kwa 2015. Choyamba, ndalama anapangidwa kwa osowa ndi pensioners. Azerbaijan analonjeza kuti athetse vutoli kwa zaka 10. Mu Belarus ndi Moldova Komanso ankaona kuti n'zotheka malipilo, koma chifukwa cha kusowa ndalama pafupifupi palibe ndalama.