Last week the number has not changed1000- such banks are still 13. But this week in several banks ended the moratorium (in "DialogBank" banks "Vladimir" and "Capital"), though their fate is still unclear. Nor is it known whether the liquidated banks "Armagh", "Hypobank and Inprombank, where the moratorium expired earlier. Meanwhile, the Guarantee Fund began to pay depositors of the Bank for Regional Development ", which is eliminated.

1. Can I get a bank deposit, which had expired? Does the bank pay interest? Are there any limits on payments?

2. Serviced by a bank payment cards? Can I withdraw money from them in "their" and "foreign" ATMs or pay for purchases in stores?

Arma

Transitional Administration until April 16, 2010

moratorium until November 15, 2009

1. In a bank full of uncertainty. NBU has not decided on the fate of the bank"s extension of the moratorium or liquidation. In NBU, we were informed that the decision was made, as are negotiations with the investor, but the bank did not confirm this information.

2. Job ATMs and bank terminals suspended. Card is not served, so get the cash in the "foreign" ATMs and pay for purchases not.

Bank is a temporary member of the Guarantee Fund

Big Energy

Transitional Administration until March 15, 2010

moratorium until March 15, 2010

1. The bank still has a moratorium on satisfaction of creditors" claims. And although he does not regard the contributions physical persons, the bank still does not return the deposit (except for investors caught in cases of force majeure). The Bank continues to pay interest on all deposits (limit: 1000 UAH., $ 120 or € 80 per month).

2. Maps are not served. Remove the cash in "their" and "foreign" ATMs and pay for the purchase card bank can not. Cash cards can be removed with only on hand (limit - 100 UAH. Per day).

Bank is a temporary member of the Guarantee Fund

Vladimir

Transitional Administration until July 16, 2010

moratorium until January 16, 2010

1. The bank has expired moratorium, but the decision on his fate pending. Meanwhile, the bank informed us that the payment is carried out in the previous regime. In particular, the bank pays interest on deposits (up to 600 UAH. Per month). At renewal of deposits that expired for a period longer than 6 months the interest is paid in full. Also, the bank shall pay to depositors who are in difficult circumstances. The size of the payment is determined individually.

2. The Bank has not issued the cards and has no ATMs. The bank shall pay to the pension and social accounts (up to 600 UAH. Per month).

DialogBank

Transitional Administration until April 15, 2010

moratorium until January 15, 2010

1. The bank expired moratorium, but information about his fate (elimination or extension of stay) there. Bank as the former does not make any payments on deposits, no interest.

2. The Ban1000k does not issue cards and does not have ATMs.

Bank is a temporary member of the Guarantee Fund

Dnister

Transitional Administration until April 16, 2010

moratorium until April 16, 2010

1. The bank has a moratorium on creditors" claims. It does not apply to obligations on deposits (within limits). Nevertheless, the bank still does not pay any deposits themselves, nor the interest thereon.

2. ATMs and cards are locked. Remove them with cash and pay in the store is impossible.

Bank is a temporary member of the Guarantee Fund

Zakhidinkombank

Transitional Administration until February 12, 2010

moratorium until February 12, 2010

1. Bank pays contributions to 1 ths. That expired. Larger deposits are paid only to those who provide proof of need for money to pay for emergency treatment, surgery, training. In addition, the bank continues to pay interest on deposits. Limit payments: up to 250 UAH., $ 30 or € 20. Administrator Bank has found an investor who is preparing to buy the bank.

2. Bank cards serviced. Get cash at bank cards can be in branches and ATMs of the bank. The limit for cash withdrawal - 500 UAH. per day (can be increased up to 1 thousand grn.). Pay card can only be in its own network of terminals of the bank (in Lutsk, and some regional centers) in the amount to 1000 UAH.

Bank is a temporary member of the Guarantee Fund

Inprombank

Transitional Administration until September 10, 2010

moratorium until December 10, 2009

1. The bank told us that his new investors began to transfer funds for the improvement of the financial institution. Also in the bank at the request of the shareholder have replaced the temporary administrator. Currently, the Bank does not pay any deposits or interest thereon. Resume payments to depositors in the bank plan by mid-March.

2. Bank cards are locked. Remove them with cash and pay them in the store is impossible.

Bank is a temporary member of the Guarantee Fund

Hypobank

Transitional Administration until October 1, 2010

moratorium until January 1, 2010

1. The bank has expired moratorium, but he does not pay any deposits or interest thereon. It remains the decision of the NBU, will the bank liquidated or moratorium would be extended.

2. Bank cards are locked. Remove them with cash and pay them in the store is impossible.

Nadra

Transitional Administration until February 10, 2010

moratorium until February 10, 2010

1. December 23 The Cabinet decided to transfer the deposits of physical persons bank "Nadra" in Rodovid Bank. It was planned that the payment of deposits will begin in mid-January, but at present there is no such information, and the bank we were informed that work on the conversion of deposits is not conducted. December 24, 2009 the bank suspended all payments on deposits for the correct drawing1000up a register of depositors and send it to Rodovid Bank.

However

29 December 2009 payments on current and deposit accounts of clients have been renewed, but in reduced quantities. Now investors can get money only by the decision of the Committee on Public Complaints to the following: birth, death of loved ones, the need for medical treatment, as well as to investors over 70 years. No Limit payments: the amount paid to the depositor is determined by the Committee on the basis of actual need for funds.

2. However, payments on deposits and the bank stopped payment on the card. The exception is payroll cards (limits on them are not changed - 1000 UAH. Per day). Also, the bank carries out the payment of social admissions (unemployment benefit, child care, etc.). Previously with the bank cards could withdraw cash or pay in commerce purchases in the amount of 50 to 1000 UAH. depending on the type of card.

Bank is a temporary member of the Guarantee Fund

Bank expects the support of the Government (recapitalization)

Rodovid Bank

Transitional Administration until March 15, 2010

moratorium until March 15, 2010

1. The bank until March 15, 2010 extended the moratorium on satisfaction of creditors" claims. The reason for extension of the moratorium - the continuation of payments to investors Ukrprombank and the delay in the transfer of its assets in Rodovid. " The Bank continues payments to depositors Ukrprombank (currently paid deposits that expired in July 2009). Its depositors Rodovid returns contributions without delay, and sometimes ahead of schedule.

2. Maps of the bank maintained in the normal mode. Limits restored to pre-crisis level: to withdraw cash and spend it on the map in the store can be up to 5-25 thousand UAH. day, depending on the type of card (up to 5 transactions per day). Limits can be changed by calling in the call-center bank.

Bank recapitalized through the budget and expects an additional capital increase.

Capital

Transitional Administration until July 19, 2010

moratorium until January 19, 2010

1. Yesterday, the bank ended a moratorium on satisfaction of creditors" claims, but whether he will be eliminated or extended the moratorium is still unknown. The Bank continues to pay contributions, which amount (including interest) of not more than 18 ths. And the term expires before January 1, 2010 A "late" contributions are paid only if the sum (with interest) is less than 5 thousand UAH. Larger payments - only to claims of retirees and customers caught in the force majeure. Interest is paid in part, subject to extension of the deposit.

2. The bank released the payment cards. With them you can now withdraw cash from ATM networks and bank branches.

Bank is a temporary member of the Guarantee Fund

Transbank

Transitional Administration until March 1, 2010

moratorium until February 3, 2010

1. The bank has a moratorium on creditors" claims, so the bank does not pay any deposits or interest thereon. The bank promises to pay interest on deposits to pensioners, but our readers will say that the bank such payments have been few. The Bank continues talks with potential investors.
2. Bank cards are still on hold and the balance of them do not bear interest. Since cards can withdraw cash and pay for your purchase.

Bank is a temporary member of the Guarantee Fund

Ukrprombank

Transitional Administration until January 21, 2010

moratorium until January 21, 2010

1. The bank deadline of the interim administration and the moratorium, the bank will be liquidated. Meanwhile, investors continue to receive bank deposits through Rodovid Bank. Sam Ukrprombank no payments shall not physical persons.

2. Holders of bank cards, on which hang the money, also get their money in Rodovid Bank. Ukrprombank payments on their card does not hold.

Fund pays back

Guarantee Fund today launched the payment of depositors of the bankrupt Bank of Regional Development. " Payments are handled through the Agent Banks Fund. Distribution of depositors by banks is on the first letter of their names in the Ukrainian language. In PrivatBank to apply to those investors whose last name begins with D, F, G, H, O, P, X, Y; in Brokbusinessbank "- those whose last name begins with the letters K, L or M; in Khreshchatyk "- I, A, B, C, D, E, ¤, E, I, in Ukrsotsbank" - R, S, T, V, W, W, S. For the amount of compensation (up to 150 thousand UAH .) must present a passport and a certificate of identification code. If the depositor, for some reason changed his name, the address should be at the bank, which corresponds to the name specified in the deposit agreement. This bank customer must carry a passport and not only code, but the documents confirming change of name. Payment through banks-agents will continue until March 7, 2010 After this date for payment will need to apply directly to the Guarantee Fund. To learn more about payments to the Foundation"s website can be (www.fg.org.ua) or on its hotline 0-800-308-108.

Question - Answer

"I went to Christmas in Europe. shirked card money from an ATM, and now in the extract of saw that I wrote off an additional fee for using an ATM. Is it legal? What to do in these situations?" - Andrey, Kiev

Meets Head of MasterCard in Ukraine Love Derevianko:

- Additional fee for cash withdrawals at ATMs with the rules of payment system MasterCard. However, in some countries they are permitted by law, so the banks can levy them. At the same time, ATM card holder must prevent the existence of such a commission and even its size (in the electronic menu or, for example, a sticker on the device itself). So if you learned that the bank will charge an additional commission in its ATM (it is called surcharge), try to find another ATM nearby. Within countries, different banks have different tariffed services and find the "free" ATM will be easy.

Anton Odariuk

U.S. index unexpectedly fell on Tuesday in anticipation of the Fed signals
If the MICEX index will go for 20-30 points lower, it will be possible from a technical point of view, the probability of a decline to 1200-1250 points
Markets have not yet determined the medium-term direction of further movement
Key events today - the publication of the results of the next meeting of the U.S. Federal Reserve and Obama"s speech - will take place after the close of trading in Russia
In the second half of the session, most likely the continuation of the correction on the equity market
During the day will be observed multidirectional movement of quotations, in the afternoon session of the possible growth of securities of certain issuers
Total to date on Russia"s stock market will be neutral
In the short-term technical factors largely provide some stabilization quotes Russia"s monetary unit
Today will be shaped rebound up to the nearest resistance level: 1400 and 1420 points on the MICEX