I'm sure many of us regularly use the services of a variety of commercial banks.Some clients prefer to keep credit institutions their savings, while others trust them their values (safety deposit boxes), others are borrowers that received under the interest on the amount available in the future the subject of cherished dreams.Plastic card for convenient use of wages, various services, urgent translations with the opening of a personal account or without it-now each bank strives to offer its customers something new and create healthy competition "giants" of the sector.Of course, the nuances are too short.However, each client of a credit institution should take into account such feature as banking secrecy.What is fraught with this concept, and what guarantees, as well as the problem becomes with him a service provider in this area?
To get started is right to distinguish between terms such as commercial and banking secrecy.The first, in fact, is a broader concept than the other.In some sources you can even find an interpretation that defines the secret of credit organizations as one of the commercial varieties.However, this is not entirely true.Banking secrecy - the law for these institutions, under which all members of the organization are required to keep all information they have on hand information about their customers without access to third parties, even if the information does not have much value.
As in most such cases, there are to be exceptions to the rule.Sometimes the bank simply does not have the right to refuse certain organizations to provide information related to clients.These institutions are, first of all, representatives of the state-level.However, this procedure must be a valid reason justifying an exception.For example, complex, confusing and suspicious nature done by the customer of a financial transaction if it equals or exceeds the amount of 600 thousand rubles.In this case, the laws on banks necessarily imply control transaction.This is done in order to prevent the financing of commercial organizations using terrorist organizations, as well as money laundering.
Bank secrecy involves the provision of information about all the accounts and the amounts received by the institution for storage under the conditions of prisoners of deposit agreements, a narrow circle of people.As in the case of physical and legal entities all the information can be given exclusively to the clients themselves and their legal representatives, authorized persons, judicial authorities, as well as insurance companies and representatives of the preliminary investigation of the criminal and administrative cases (must be the presence of the prosecutor's consent).
If the holder of the deposit account or other type of die, in such a situation, banking secrecy has the following features.If you have drawn up a will (notary or issued directly to the credit institution) specified herein persons may obtain the necessary information.To do this they will need to show proof of identity.In addition, information is provided without any violations of the law at the disposal of the notary.To this end, the office will have to make a request.In this case, an employee of the bank, responsible for compliance with these obligations, draws up a response on the letterhead of the institution.Information should be fully responsible for all matters stated in the request.
If we are talking about non-residents (persons with foreign citizenship), then banking secrecy involves the provision of all the necessary data consulates.
