Safe boxes are special small places where a person can hide from prying eyes what is of some value to him. What are they? What security guarantees do they give? What features do you have when ordering them? We will consider all these issues within the framework of this article.
Main competitors
Deposit boxes compete for popularity with home safes. Of course, in neither case can one fully guarantee the safety of things. But if you insure them, then in the case of the bank it will be easier to get a cash equivalent. We will talk more about this in more detail. It should also be noted that a cell in a bank can provide not only anti-burglary, but also fire protection. Also, when remodeling 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 hacking, but also various cataclysms like a fire.
Reliability and usability
Deposit boxes in banks comply with technical requirements; without this, a financial institution will be fined. Another significant advantage is the organization of bank security. So, a serious problem for potential attackers will be a separate room where the cells are located, as well as the fact that in which case a quick reaction detachment will be called up.
Also in favor of reliability is the fact that banks declare the use of unique keys (although we don’t judge how things are in reality). Therefore, to open someone else’s cell with dishonest employees and create the appearance of legality will not work. It is also important that you can choose a store for the required size of the thing, indicate the lease term, and also take care of access to anyone who wants it if you wish. Deposit boxes can also be the subject of even a tripartite agreement. In such cases, the cell can only be opened if both partners are present. It is also possible to draw up a cell for a legal entity. This will allow you to pay for it at the expense of the enterprise, and only those employees who were previously designated as proxies can get access . There must also be samples of their signatures. In this way, unauthorized access to documents of great importance can be prevented.
How much does it take to remove safe boxes?
The Bank sets prices based on its costs, but in general, you can deduce the range in which most financial institutions operate. So, this is about 40-50 rubles per day (for a cell designed to store documents). In order not to beat around the bush and guess on coffee grounds, let's turn to the country's largest financial institution - that is, Sberbank will help us. Safe boxes in it fit into the range presented above. If they cannot satisfy you in terms of size, then this financial institution will lease entire safes! True, they have an appropriate price - starting from 100 rubles for one day, but the size is such that almost everything that is needed will fit.
Search
Despite the seemingly high price, it's hard to find unoccupied safe boxes. Moscow, Ryazan, St. Petersburg, Vladivostok, Tver - it will be difficult here to come to the first branch of the bank and order a small store. Therefore, the possibility of remote access is also popular. It consists in the fact that a person who is looking for deposit boxes for his purposes, contacts the support service of a financial institution and is provided with information about where to use this service. Moreover, the branches are indicated on the basis of how convenient it will be for the client to get to him to check the contents or pick it up.
What do banks offer their customers?
Along with storage, certain advantages are provided to customers. To consider what they are, the Sberbank depository will help us:
- The cells are located in a room that was specially equipped for this task.
- The depository has a number of modern passive means of protection, as well as round-the-clock protection.
- The cells are safes of various sizes, which are additionally hidden in an armored cabinet.
- You can choose the size of the storage, depending on your needs and willingness to pay for it.
- There is a flexible system of discounts - so the longer the period for which the cell is rented, the less you need to pay.
- A special regime for organizing storage is provided to prevent third parties from accessing the values that are in the bank (it is protected even from employees of a financial institution).
- At the time of investing the values in the cell, only the owner is present to maintain confidentiality. There are exceptions to this rule related to insurance, which we will talk about a little later.
- The safe opens only with the simultaneous use of two keys. One of them is with the bank's client, and the second is with the employee.
This is what the Sberbank depository is like. Now let's pay attention to item 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 a cell are usually confidential. But there are exceptions to this.
So, if there is something valuable that you do not want to lose, then strangers may be present. For example, an insurance agent whose task is to make sure that the client has really put the thing that is insured there. And the fact that this is the original, not a fake. Also, in order to regulate your visits and to avoid the “unexpected” loss of things, visits will be recorded by a bank employee. This, as a rule, applies to cases when a person wants to preserve “white” jewelry or simply valuable things for himself (in such cases, moral damage is insured).
What is stored in safe deposit boxes?
As a rule, these are documents, jewelry, securities, money, works of art, photographs - in a word, everything that provides value to some person who has a desire to hide it. There is a list of what is forbidden to be stored in safe boxes. As a rule, this is understood as weapons, drugs, perishable food products (such as fish or meat). According to the rules of banks, they are not entitled to mandatory verification of what is stored in the store. But with each person an agreement is concluded, which stipulates that there will be nothing illegal and forbidden in the safe by the rules of a financial institution. In order to “motivate” to act according to the rules, as a rule, it is stipulated that in case of breach of the contract a significant penalty will be imposed on the client, the amount of which ranges from tens to hundreds of thousands of rubles, and this is relative to those depositories that are accessible to ordinary citizens.
Unauthorized access
Conventionally, this paragraph of the article can be divided into three parts:
- Authorized Access. This implies that the person who rents the safe draws up a document according to which, besides him, access to the cell has a certain list of persons, which must be attached. Admission conditions and a number of smaller nuances may also be prescribed.
- Access of bank employees. Despite the fact that they have one key, if the client loses his own, then the only way to gain access to the cell is to crack it. As a rule, this process consists in calling up a special wizard who, with the employee and owner of the contents, drills the lock (less often the safe itself cuts it).
- Access on behalf of a legal entity. This option involves the preparation of a certain agreement with a certain company, which stipulates that a number of persons can access the contents of the storage. Typically, this option is used for documents, which are important for the functioning of the company. Persons who have access are usually registered with the director, his deputy, chief accountant, as well as a number of other people.
What does a citizen need to rent a cell?
If an individual orders it, then an identity document and the original certificate of assignment of a tax identification number are enough. You must pay for the cell immediately after the contract has been signed. If an agreement is made on behalf of a legal entity, then it is necessary to have copies of the state registration certificate, statutory documents (required with all additions and changes), a certificate of entry into the unified register, as well as a document that confirms the authority of the person that signs the contract.