Верховный суд Украины обязал банки выплачивать клиентам неустойки за невыплаченные вклады

Отныне украинские вкладчики имеют право на дополнительную компенсацию в случае, если вклад перечислен на карточный счет, но фактически не выдан. Соответствующее решение вынес Верховный суд Украины, рассматривая дело №6-1881цс16. 

“Речь о случаях, когда банк отправляет сумму депозита на карточный счет, и отказывается выдавать средства в кассе — направляет человека в банкомат. А как только он до него доходит, выясняется, что там операции лимитированы. И за сутки банкомат может выдать по одному счету не более 1-2 тыс. грн. Так что вклад в 100 тыс. грн. нужно будет получать несколько месяцев, и все это время банк продолжит пользоваться деньгами людей, но не насчитывать им процентов. Так вот ВСУ постановил, что за все эти несколько месяцев вкладчику должны насчитать и выплатить процентную ставку на уровне текущего индекса инфляции плюс 3% в день неустойки. Насчитать на невыплаченную часть средств”, — об этом рассказал старший партнер адвокатской компании “Кравец и партнеры” Ростислав Кравец.

Если банк продолжает вести свою деятельность, то выплачивать неустойку должен он, а если в него заходит временная администрация, то пересчет суммы депозита производит Фонд гарантирования вкладов физлиц.

“Адекватные банки могут и сами насчитать пресловутые 3% в день с инфляцией, но большинство, к сожалению, упираются. И в этом случае, у людей только одна дорога — в суд. Не нужно бояться туда идти, поскольку в этой части закон на стороне человека — следует ссылаться на Гражданский кодекс, да и свежее постановление ВСУ стоит процитировать. Можно не сомневаться в решении в свою пользу. Советую не спускать банкам манипуляции с депозитными выплатами, и получать причитающееся по закону. При крупных вкладах и больших сроках просрочки, можно получать солидные суммы компенсаций”, — заметил Кравец.

Отметим, что лимитированная выдача средств в банкоматах — распространенная практика среди украинских банков полтора-два года назад. Ввиду того, что в то время финансовые структуры массово закрывали, то перед введением временных администраций они часто грешили “наличными” ограничениями в банкоматах и кассах. В последнее время такие случаи встречаются нечасто, хотя все же бывают.

Юристы все равно не советуют людям открывать депозиты в тех банках, чьи договоры предусматривают в конце срока перечисление вклада на карточный счет.

По закону, с этого момента выплата считается состоявшейся, и приходится в судах доказывать, что деньги было просто нереально получить — или из-за неработающих банкоматов, или из-за лимитов на наличные операции.

“Можно пробовать говорить с менеджерами банка — настаивать на внесении изменений в типовой депозитный договор. О том, что средства в конце срока вклада должны выплачиваться исключительно через кассу. Некоторые банки идут людям на встречу: не массово, конечно, но такие случаи встречаются. Но большинство банков, к сожалению, продолжают стоять на своем, и не меняют договоры”, — отметил управляющий партнер ЮФ “Можаев и партнеры” Михаил Можаев.

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