We continue to understand popular banking services. This article will discuss the rental of deposit cells. You can also find answers to frequently asked questions and tips on choosing the right bank, which should be entrusted with your valuables for storage.
What it is?
A depositary (deposit) cell is a safe located in a bank vault. Often they look like ordinary boxes that are located in cabinets. In order to open them, you must have a special key that is issued to the client of the bank.
Deposit boxes in the bank come in different sizes, which affects the cost of providing the service: the more options, the more expensive the rental will cost. Typically, the total cell area has a minimum size of 0.007 cubic meters.
What are they for?
Deposit boxes at the bank are a great way to store money, jewelry, important documents and other valuables. Most often, they are in demand by legal entities. After all, there are such contracts, agreements and other securities that must be protected in any way from theft or modification by fraudsters. And given the fact that banks do not check the values ​​that are in the cells, storing anything there is accompanied by complete confidentiality.
Also, a deposit box is often used by families who go on vacation far from home, for example, abroad. It's no secret that the bulk of the robbery of houses and apartments occurs at a time when tenants are not in place. Moreover, very often neighbors themselves give such tips to fraudsters, who know when no one will be home.
To protect and insure yourself during long trips, do not leave valuables at home. You can rent a cell in the bank, which will guarantee the complete safety of trusted property.
Popular manufacturers
Be sure to choose a reliable place to store your property. And if the bank uses unreliable safes, then this will remove any possible doubts from the client.
For example, Valberg deposit boxes, which are produced in Russia, are known for their positive characteristics and reliability. The front side is mainly made of high-strength metal with a thickness of 3 mm or more, and the locks are used in Germany, which indicates the high reliability of the final product.
You can also note the safes of Rosengrens. The deposit boxes of this manufacturer from Sweden are recognized worldwide, are considered safe and of high quality.
To date, the popular safes of this manufacturer are those equipped with electronic locks and remote security systems.
Complete privacy
A deposit bank cell is a great place where you can store confidential information or any values ​​that you don’t want to spread about.
Neither the bank employee, nor the video cameras, nor the security guards or ordinary visitors of the financial institution’s department will recognize and will not be able to see what you will put in the safe.
Of course, this does not mean that there you can store substances prohibited by law or other items that are associated with a violation of the laws of the Russian Federation.
How to use a cell?
Each bank uses its own procedures and rules of work in one direction or another. But the sphere of financial services is characterized by high healthy competition, which forces banks to adhere to certain rules.
When renting a safe, it will be necessary to sign a banking service agreement. It will indicate the terms, cost of rent, rights and obligations of the parties.
There are two keys to the cell. After completing the contract, the customer is given one key. The second is in a special envelope with a seal. It is used only in cases where, by order of a court or control authorities, it is necessary to conduct a search in a rented cell. But usually it doesn’t come to that.
When a client wants to put or pick something up from a safe, he comes to the appropriate bank branch. Together with him, the person responsible for the work of a financial institution in this direction comes down to the vault. Each store is protected by a password that only this person and the department head know.
The client enters the open storage, takes out his cell and goes into a special room in which there are no cameras and the ability to peek at something from the side. After performing the necessary operations, the client returns the cell to its place, closing it with its key.
What you need to remember when using the cell
As we wrote above, it is forbidden to use the depositary cell for criminal purposes. Also, do not put food or other perishable products in a box.
It must be remembered that there are only two keys to the safe. Be careful not to store your copy in a place accessible to other people, as it is possible to make a duplicate without problems (in case of using a simple key).
In addition to documents and jewelry, money can be stored in it. The main benefit of this is that no one knows how much and in what currency you will save in the cell.
Is this an expensive service?
Since the deposit box is of different sizes, the rental price will be different. Also a significant role is played by the banking institution itself, its authority and reputation, for which sometimes you have to pay extra.
The smallest deposit cell will cost about 25-40 rubles for one day rental. That is, get ready to give the bank about 1000 rubles for 1 month of using this service.
Cells whose height exceeds 20 cm will cost 50-80 rubles per day. If you take a period of time equal to 1 month, then you will need to pay about 2000 p.
Above are the average prices offered by system banks that have a good reputation and high customer loyalty.
Choose a bank to which you can trust the most valuable
Financial institutions differ in a variety of ways. In the issue covered by this article, the most important is the bank's security system.
This moment is best worked out by those banks that have been operating in the Russian Federation for a long time, and did not appear several months ago.
Those steps that have foreign capital are several steps ahead. Serious financial groups, which are represented in several dozen countries around the world, have both technology and relevant international experience in protecting the property of their clients.
But no matter how systematic the bank is, the service comes at the expense of financial consultants. A lot depends on their competence. Therefore, you need to focus on those institutions where the staff has the highest qualifications. You can find this out by reading the reviews left by customers who have used the services of the bank.
Pay attention to the repository itself. This place must be closed with a code lock and be protected from gaze and visits from casual visitors and other onlookers.
Where else use deposit boxes?
Quite often they are used in the hotel industry. According to the legislation of the Russian Federation, all companies that provide such services are responsible for the safety of things and other property of their customers.
To avoid all sorts of situations related to the theft of valuables, it is customary to use deposit boxes in a hotel. They are especially popular with customers who have been living in a place like this for weeks and have to leave it from time to time.
A similar service can be found at some major train stations, airports and other similar places with large crowds of people with luggage. But in such institutions, the reliability and safety of cells is much lower than in banks. Of course, there are exceptions, but in any case, you should always be careful and not trust the safety of your property to places with a bad reputation.