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Where to store and how to save withdrawn money: three options

Russians have cash - full bins!

Russians have cash – full bins!

A photo: Svetlana MAKOVEEVA

Russians have cash – full bins! Only dollars and euros – $ 85 billion. This figure was recently cited by the head of the Central Bank Elvira Nabiullina. People can be understood. No matter how much you talk about the fact that it is safer to keep money in a bank (in a financial institution, and not the one from cucumbers), in difficult times, it is somehow more comfortable for many to keep the stash in an understandable and tangible cash form. In addition, in the last couple of months, rates on ruble deposits have dropped significantly, and many banks have generally introduced a commission for storing foreign currency.

If you don’t want to keep your hard-earned money in the bank either, let’s analyze the main ways to store cash – with their pros and cons.

1. Under the pillow

Keeping money in an apartment, as experts say, has only one plus – it is free. The rest are cons.

– You can keep some cash at home. Just in case. But I have a negative attitude towards this option of storing large amounts, – a financial consultant gives recommendations to a kp.ru correspondent Sergey Makarov. – In addition to the risk of theft, there are a number of equally obvious possible problems – fire, flooding. And just the opportunity to spend this money for other purposes. For example, by making a large impulsive purchase.

For example, you dreamed of a car, and your wife “impulsively” spent the stash on her fur coat. As a result, no money, no family.

And yet, as experts warn, many often forget that money is just paper, albeit a special one. And long-term storage in the underground in a country house or in a private house (but don’t laugh, a popular place) bills will not withstand due to humidity and temperature changes.

“It is better to keep them in the dark, at a constant temperature and humidity, ideally in a vacuum bag,” advises an analyst at Freedom Finance Bank. Vladimir Chernov.

Now let’s move on to more banal advice.

– If you really need to keep money at home, turn on the alarm in private security and take care of the front door of increased burglary resistance, as well as double-glazed windows with special protection or bars on the windows. But all this will be useless without observing information security – no one should know that you have a large amount of money in your apartment, – says Sergey Makarov.

2. In a home safe

Together with an alarm system and good protection of windows and doors, as well as a lock in their own language, this option, according to experts, provides a fairly high degree of reliability.

But there are details.

– The cost of acquiring and installing a good safe with a high degree of reliability will cost the future owner a large amount. And there is not much point in using mediocre safes, – says the Deputy Chairman of the Board of RosDorBank PJSC Anatoly Vozhov.

That is, those safes that are offered by dozens for 5-10 thousand on the Internet are considered by experts to be practically useless. Unless, of course, some completely armless and unprepared burglar does not wander into your house.

For amounts not exceeding 1-2 million rubles in an apartment with an alarm, you can use safes of 1-2 burglary resistance classes (but not zero). If we are talking about 13 million, like Dmitry from Moscow, who accidentally threw them in the trash, then it is better to keep such amounts in a safe of at least 4-5 class – and not in a bag.

The class is indicated in the certificate, which is attached to the safe. The price of the issue, even for one class, will differ, depending on the options and dimensions, but, most likely, it will turn out to be at least 40-50 thousand rubles. There are also 500-600 thousand. Ideally, the safe should also have a fire resistance class so that it can withstand at least half an hour of fire.

Another important point is that a small, light-weight safe must be attached to a wall or floor. Otherwise, attackers will simply take it away along with the contents.

3. In a safe deposit box

Money in the bank does not have to be kept on deposit. You can – and just stacks of banknotes, in a bank cell. That is, again, a safe, but which is located in a special secure room in the bank. You can store money, jewelry, and important documents there – you just rent a cell where you put everything you need.

A big plus of this option is that you don’t have to spend money on turning your own apartment into a safe. And also think about the right humidity.

The issue price depends on the lease term (it can be one day or several years) and the cell size.

– On average, it is 40-90 rubles a day. You will also have to leave a deposit for the key, it can vary from 500 to 3000 rubles and is not returned if the key is lost, – enlightens Vladimir Chernov.

For the long term, the cell usually costs less. The rental price also depends on the region, it is highest in Moscow and St. Petersburg.

– There are different sizes of cells – more often they are a little more than a pack of 100 sheets of A4 paper, – Sergey Makarov adds. – Revocation of a license, bankruptcy of a bank does not affect the safety of money – they can still be taken from the cell, no matter how large the amount is. In addition, this money does not appear in any documents, which means that it cannot be recovered in court. For example, on account of debt. But these funds can be included in the will.

QUESTIONS EDGE

1. Do thefts happen from cells?

The anonymity of the contents of the cell is both good and bad. The main disadvantage is that the bank is not responsible for this anonymous content. It only guards access to the cell.

The usual scheme is as follows: the client has the key to the cell in his hands, but a bank employee lets him into the vault. Or it opens with two keys, the second of which is with the bank manager.

Thefts from bank cells, although rare, do happen. Last year, several such abductions were recorded in Moscow. True, in small banks, the names of which you hardly even heard. As a rule, the “human factor” is considered the reason – it is difficult for attackers to get into a room with several degrees of protection without collusion with bank employees.

2. How to make sure

– A possible option is to conclude a safekeeping agreement with the bank. Then the manager will count and check the banknotes that will be placed in the cell. And the bank will be responsible for the safety of this particular content, and not just guard the entrance to the room where the safes are.

As a rule, a safekeeping agreement is concluded when a large amount of money is put into a safe deposit box for a specific purpose. For example, when buying an apartment. If you want to use the cell just as a personal safe and periodically visit it, then every time you go through all the procedures related to safekeeping, of course, it is inconvenient.

AND THERE WAS A CASE

13 million – in the trash

Keeping money at home is dangerous and for another reason – they can be accidentally thrown away.

“Many people remember the story that happened in March 2022, when a resident of Moscow mistakenly threw away a bag with 13 million rubles, believing that it was a bag of garbage,” reminds the managing partner of the law firm Freeviser Mikhail Payushin.

It was like this. Muscovite Dmitry, in his right mind and solid memory, did the cleaning in the apartment. He collected several bags of garbage, which he then took to the trash. And by mistake he took 13 million rubles, which were intended to repay the loan and were also packed in a similar package. The fact that he mixed up something, Dmitry realized after three hours. There was no more money in the trash can…

Top 7 places where you definitely don’t need to keep cash

They are so standard that it is there that thieves look in the first place.

1. Banks for storing cereals.

2. Figurines, space behind paintings, vases

3. Caskets, bedside tables and wardrobe.

4. Books.

5. Openings of ventilation shafts.

6. Under the mattress.

7. Freezer

ONLY NUMBERS

17.1% of thefts, 3.4% of robberies, 10.9% of robberies are associated with illegal entry into a dwelling or other premises.

1.4% of all registered crimes are burglaries.

According to the MIA.

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