What banknote must be accepted. Where and how to change and what to do with a torn bill

To any bank operating in Russia. The exchange of damaged money is carried out by all institutions registered in our country and having state accreditation, including commercial ones. They must exchange damaged banknotes absolutely free of charge.

And if a large piece is torn off from the banknote?

The bank will accept a banknote that has retained at least 55% of its original area. They will also exchange a banknote glued together from two or more pieces. An important condition: one of the components must be more than 55% of the original area.

In addition, the bank must accept a bill glued together from two fragments of different banknotes. But there are a number of nuances here:

• Fragments must be of the same denomination.
• They must differ from each other in graphic design (that is, the option when the bill is glued together from two identical pieces will not work).
• Each fragment must occupy at least 50% of the original area of ​​the banknote.

What to do if the money is not torn, but damaged by fire?

Burnt, exposed to aggressive environments (in particular, acids), charred and decayed banknotes are suitable for exchange if more than 55% of their original area is left of them.

The bank will also accept banknotes that have changed color and glow in ultraviolet rays, for example, after accidental washing. But only if the images are clearly visible on them.

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Will they accept damaged coins?

Yes. Coins that have even serious damage are subject to exchange - bent, flattened, having holes and traces of cutting, exposure to high temperatures and aggressive environments. But even on coins that have melted and changed color, the denomination and belonging to the Bank of Russia should be visible.

And if in the case of banknotes, 55% of the original area is sufficient, then a coin suitable for exchange should retain at least 75%.

What banknotes and coins will not be exchanged for anything?

• Banknotes colored with substances that were designed to prevent theft during their transportation and storage.
• Having a typographical inscription "Sample" or "Test".
• Withdrawn from circulation (for example, those that were printed in 1995. They ceased to be valid in 2002).
• Having less than 55% of the area (or, in the case of two different banknotes glued from pieces, less than 50%).
• Those on which important inscriptions are not visible: denomination, series and number, belonging to the Bank of Russia. It is important that at least some of the signs are preserved.
• Banknotes that have completely lost the inscriptions on one of the sides.

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Also, coins with a cut out center and those on which the image is completely lost will not be accepted.

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But what if the bank doubts the authenticity of the banknote?

In this case, you can write to the bank an application for an examination. After that, the banknote will be sent for research. If it is confirmed, the exchange will take place. The examination is free of charge.

Are there any restrictions on the amount for which damaged banknotes can be exchanged?

No. You can bring any number of banknotes for exchange. The bank employee will issue the money in cash or transfer it to your current account. Don't forget to take your passport with you to the bank.

What should I do if I washed the money along with the clothes?

Money is made of special paper, on which a rather resistant paint is applied. Therefore, most likely, after washing the bill will only become a little lighter.

The washed banknote must be properly dried. To do this, put it on a sheet of white paper, straighten it well, cover with another white sheet and put a thick book on top. The sheets will become damp, so change them several times until completely dry.

Will the bank exchange damaged foreign banknotes?

Yes, but not in all. Each institution sets its own currency exchange rules. Somewhere they accept banknotes with only minor damage, in other places they will not accept banknotes glued together from three or more fragments.

In addition, each bank sets its own commission, so you are unlikely to receive an amount equivalent to the face value of a banknote.

The term of use of 10-ruble banknotes is only a few months, 50-ruble banknotes last about a year, 100- and 500-ruble notes - no more than 5 years. But it is precisely these banknotes that are the most popular, so it is not surprising that dilapidated and damaged ones are often found among them. In connection with the massive refusal of stores to accept old and defective banknotes for payment, the Central Bank of the Russian Federation sent commercial structures special instructions dated December 26, 2006 No. 1778-U “On the signs of solvency and the rules for exchanging banknotes and coins of the Bank of Russia”.

With this document, the Central Bank obliges all organizations that have any form of ownership, working in any field of activity to accept banknotes and coins recognized as solvent, as well as paper and metal money with minor damage and defects. These include:
- denominations of the Bank of Russia worn out, frayed or torn, having dirt, small holes, punctures, inscriptions, seals, as well as those with torn off corners or edges;
- iron money of the Bank of Russia with minor mechanical damage, but with preserved images on the obverse and reverse.

The store has the right to refuse to accept banknotes of the 2nd and 3rd degree of disrepair, since a credit institution (bank) accepts such banknotes cheaper than face value.

Can a store refuse to accept damaged money?

The defects listed in the Instructions are classified by experts as 1 degree of dilapidation of a banknote or coin. Such money should be accepted in any store as payment. The refusal, in addition to the above Directions, also violates Articles 426 and 445 of the Civil Code, since in this case it is considered that this commercial organization unreasonably evades the conclusion of a public contract, and it must compensate the other party for the losses caused by this.

The law does not provide for any administrative liability in the form of a fine or penalty for refusing to accept damaged banknotes.

In this case, for a commercial organization-seller, the law establishes civil liability in the form of compulsion to conclude a transaction - a contract of sale with the buyer of a product or service. But, since you cannot physically force the seller to fulfill these obligations, you will only be presented with a court order to confirm your innocence.

Banknotes with torn corners, stamps and inscriptions are often not accepted in stores. Cashiers claim that they are invalid. But it turns out that there is a document issued by the Central Bank. It clearly states how long the money remains solvent. Yaroslav Kabakov, Deputy General Director of FINAM JSC, spoke about this.

We have prepared a cheat sheet, you can look into it in a controversial situation. There are ten signs that allow you to use a dilapidated or damaged bill.

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no edge. It can be burned or torn off. By the way, even a banknote with damaged edges is solvent.

Discolored banknote field. For example, you accidentally washed money. It is also allowed to use banknotes that have become pale and worn as a result of prolonged use. The reason for the loss of colors does not matter.

Banknote sealed with adhesive tape in one or more places.

The banknote is torn along the edges. Several such flaws are acceptable, but the paper should not be divided in half.

Stamps and drawings. Impressions are often put on banknotes by bank employees. There can be as many as you like, “tattooing” does not affect the value of money.

Important! They will not accept a banknote with stamps or perforations "Sample" or "Test"

Large and small holes. They do not devalue banknotes.

The bill has no corners. Please note that there is a caveat here: 55 percent of the banknote field must remain intact. If it is less, the money will not be accepted either at the checkout of the store or at the bank.

Inscriptions. There can be any number of them.

Traces of dirt, paint, grease stains are not an obstacle to the use of money.

The banknote is made up of several fragments belonging to one banknote. An important condition: one fragment must be at least 55 percent of the total size of the banknote.

Terms of use

Banknotes with the listed flaws can be safely paid in stores, and if the cashier still refuses to accept money, you must invite the administrator of the outlet. As a rule, the dispute is resolved in favor of the buyer. True, if the damage is serious enough, for example, almost half of the banknote is torn off, the administrator will not take responsibility and accept the money. After all, it is difficult to determine by eye how many percent of the bill is left.

But, having received a refusal, you should not throw away the disputed money, you need to go to the bank with them. There, the banknote will either be immediately exchanged (operators have equipment that allows them to determine the authenticity of banknotes and estimate how many percent have survived), or they will take it to the Central Bank of the Russian Federation for examination. You will have to write a statement indicating the number of the bill that you are submitting for verification. When handing over money, you will need to present your passport. Please note that the examination is free of charge. It usually takes about ten days to check. If it turns out that the banknote is genuine, it will be replaced with an equivalent one. The amount will either be transferred to your account or issued at the cash desk.

Sometimes we are faced with a situation where unpresentable money falls into our hands. Most often, these are banknotes of a small denomination of 10 and 50 rubles, unnoticed among other pieces of paper from change or accidentally washed along with clothes.

Getting rid of them is quite simple in small shops or stalls. But what to do if a large bill of 500, 1000 or even 5000 rubles turned out to be damaged?

Let's try to figure out how various damages affect the solvency of a banknote and what to do to return the damaged money.

If torn

What to do with a torn banknote? If the bill is torn in half, you can go for some tricks to extend its solvency for a while. It's about gluing money torn in half.

It should be taken into account that the gluing will not last long, especially on dilapidated banknotes, and this may be noticed in the store. Then it will have to be carried to the bank for an exchange.

There are several ways to glue a torn bill:

• A thin strip of transparent tape. If necessary, tape can be applied on both sides;
• Glue "Moment" or PVA. Both edges of the bill should be smeared with a thin layer of glue and try to connect the halves so that the seam becomes as little noticeable as possible. The chance to get rid of money glued in this way in the store is higher;
• Instead of adhesive tape, use a strip of tracing paper or thin tissue paper and glue.

After gluing and drying, it is necessary to bend the bill so that the seam or strip of adhesive tape does not fall into the fold. Since paper money is often crumpled, you should be careful with the restored banknote.

How to use damaged money

Damaged banknotes can be used in the same way as regular ones. Such money will not be accepted only if it is damaged too badly. Moreover, the signs of the solvency of banknotes and coins are strictly indicated by the Central Bank of Russia, which issued special Instructions in 2006.

Banknotes are subject to acceptance in all types of payments:

• Having small holes or punctures, with damaged edges and lost corners, tears;
• On which there are various inscriptions, stamps;
• The appearance of which is spoiled by minor abrasions, dirt, small stains (from paint, oil, etc.);
• Faded (for example, after washing), provided that the image and number remain unchanged and are clearly visible.

The Central Bank divides all banknotes into three degrees of dilapidation. Money that has the above signs, refers to the 1st degree of dilapidation. Payment organizations may not accept banknotes of the 2nd and 3rd degrees.

Thus, all of the above flaws are not a reason for refusing to pay with a damaged bill in a store or bank.

Things are worse with ATMs. They do not accept banknotes with significant gaps, even if they have been glued. However, there is a chance that the ATM will just accept slightly shabby bills - it depends on the settings of the reader.

The signs of solvency of banknotes and coins of the Bank of Russia and the rules for the exchange of damaged banknotes and coins of the Bank of Russia are established by the Instruction of the Bank of Russia dated December 26, 2006 No. 1778-U “On the signs of solvency and the rules for the exchange of banknotes and coins of the Bank of Russia”, which can be found on the official website Bank of Russia on the Internet in the "Banknotes and coins" section.With damaged banknotes of the Bank of Russia, individuals can apply to credit institutions (banks) that provide cash services to individuals.

Banknotes of the Bank of Russia to be accepted in all types of payments:

Having small holes, punctures

Having extraneous inscriptions, lost corners and edges

Having tears, imprints of stamps

Having small stains (paints, oils, etc.)

With scuffs, dirt

Coins of the Bank of Russia to be accepted in all types of payments:

Having minor mechanical damage, but retaining its original shape

Banknotes and coins with more serious damage are subject to exchange in credit organizations (banks):

Banknotes that have lost a significant fragment, but retained at least 55% of their original area

Glued together from any number of fragments, if one or more fragments, unconditionally belonging to one banknote, occupy at least 55% of the original area of ​​the banknote

Glued together from two fragments belonging to different banknotes of the same denomination and complementing each other according to the graphic image to a full-size banknote. Moreover, each of the fragments occupies at least 50% of the original area of ​​the banknote

Discolored if images are clearly visible on them

Showing signs of a manufacturing defect

Coins with traces of exposure to high temperatures and aggressive environments (melted, discolored)

Having changes in the original shape (bent, flattened, filed, having holes and traces of metal removal)

If the cashier of the credit institution has no doubts about the solvency of the presented damaged banknote, then the exchange is carried out immediately. The exchange amount can be issued to an individual in cash or credited to his account.

In a situation where the cashier cannot determine the solvency of a banknote without conducting an examination, the credit institution, at the request of an individual, sends the banknote for examination to an institution of the Bank of Russia. Upon completion of the examination, the amount of banknotes recognized as solvent is paid to an individual through the cash desk of a credit institution or credited to his account.

The exchange of damaged banknotes of the Bank of Russia (including sending them for examination to the Bank of Russia and obtaining the results of the examination) is free of charge. The amount of exchanged banknotes is not limited.

Bank of Russia banknotes are not subject to exchange if they have ceased to be legal tender, the period for which they can be exchanged for banknotes of a new design has expired, or if they are damaged, indicating that the Bank of Russia has canceled (cancelled) the banknote. A decision to refuse to exchange a banknote of the Bank of Russia (declaring it insolvent) may be made by a credit institution on the basis of Bank of Russia Ordinance No. 1778-U dated December 26, 2006, or by the Bank of Russia based on the results of an examination.

Insolvent banknotes of the Bank of Russia not subject to exchange include:

A banknote that retains less than 55% of its original area

A banknote made up of more than two fragments belonging to different banknotes of the same denomination. At the same time, each individual fragment or group of fragments belonging to one banknote has an area of ​​​​less than 55% of the original banknote area.

Stratified banknote (completely missing one side)

A banknote dyed with special inks designed to prevent the theft of banknotes during their transportation and storage

Banknote with the word "Sample"

Insolvent coins not subject to exchange:

A coin that has completely lost its image

Separate parts of a coin having a "disk in a ring" design

Banknotes containing signs of a fake are insolvent, are not exchanged and are subject to transfer to the internal affairs bodies.

In most cases, in order to distinguish a fake banknote from a genuine one without special knowledge, it is enough to compare it in several ways with a banknote, the authenticity of which is beyond doubt. In conclusion, it should be noted that banknotes of the Bank of Russia are not only a payment instrument. The national currency is the visiting card of the state, because. banknotes reflect the history of the country's development, its cultural, spiritual, historical values, the country's status at the global level. In addition, each banknote and coin is still a thorough and painstaking work of a large number of people involved in the process of creating a banknote, from design development to the final stage of production.

Despite the fact that the strength of the banknote paper is calculated up to 2.5 thousand double folds, the average life of a banknote is short and amounts to:

10.50 rubles - about 6 months.

100, 500 rubles - 1-2 years;

1000, 5000 rub. - up to 5 years.

The average life of a coin is 10-15 years.

Therefore, a convincing request to citizens to ensure careful attitude to banknotes of the Bank of Russia, for this it is necessary:

• store banknotes in places that exclude their damage;
• carefully handle the Bank of Russia coin, regardless of its denomination;
• exclude the facts of intentional and accidental damage to banknotes (applying extraneous inscriptions, drawings, imprints of stamps, cuts, etc.), as a result of which suitable banknotes become dilapidated and are subject to withdrawal from circulation.