What to do with a torn banknote? This question arises for many people, since children can accidentally tear money, they wear out over time (especially if carried in a pocket), and sometimes they forget to remove them from clothes when washing. It’s one thing if it concerns small bills, which you can simply forget about without harm to family budget, and another thing is that a 1000 ruble banknote was damaged.

Torn money is valid in many cases, but not everyone wants to accept it, and if the damage is significant, it must be exchanged at the bank.

Types of damaged banknotes:

• Slightly torn (torn at a bend or missing edge);
• Torn into half or several parts (for example, a child tore it);
• Damaged by paint or accidentally spilled coffee/juice;
• Dilapidated from age or frayed due to washing, being in a jeans pocket or folding numerous times;
• Partially burnt;
• With a manufacturing defect;
• Drawn.

If 55% of the area and the number of the bill are preserved, then it can be replaced or, in case of minor damage, paid for for goods and services.

What to do if a banknote is torn:

1. If it is torn into two parts, try to restore it (glue it with tape, glue, papyrus) and pay for goods/services.
2. Carefully glue it together using tracing paper or glue and try to deposit it into the terminal, about 60% of devices can accept this kind of money.
3. If the bill is stuck together and the cashier or terminal refuses to accept it, then you must contact the bank branch, where they must make a replacement.
4. When it comes to small denominations, it makes sense to put them aside separately and, when a normal amount has accumulated, go to the bank.

Are stores required to accept torn money?

Buyers have the right to pay for goods and services with slightly damaged banknotes (1st degree of disrepair). Retail outlets hand over such money along with revenue. But sometimes the seller may not accept the torn money, the reasons may be different:

• There is no administrative liability for refusal;
• The use of torn banknotes as change or change is prohibited;
• If retail outlets hand over proceeds through a terminal, it is not always convenient to take the torn money separately to the bank for exchange;
• An inexperienced salesperson may be afraid that this amount will be deducted from his salary;
• The number, drawing or other important elements are damaged;
• The store representative cannot independently determine the authenticity of the banknotes.

Law on torn banknotes

The Central Bank decree classifies the following types of damage as the first degree of disrepair:

1. Minor punctures;
2. Torn edges/corners;
3. Tears in places of bending;
4. Various inscriptions, seals, notes;
5. Minor dirt from paint, spilled liquid;
6. Scuffs;
7. Loss of color.

The main thing is that the image and number are not damaged. Even if the seller refused to accept such money, do not be upset, the bank must carry out the exchange.

Is it possible to exchange a torn banknote at a bank?

What kind of money is accepted for exchange:

• Torn, burnt, cut, painted, if one intact part of the banknote with an area of ​​55% or more has been preserved;
• Glued together from several pieces, one of which is more than 55%;
• Two halves of the same denomination are connected, each not less than 50% of the original size;
• Faded, lost color (under the influence of the sun), if the main data can be seen;
• Banknotes with manufacturing defects.

How to exchange a torn banknote:

1. To quickly exchange torn money, it is advisable to find all parts of the bill and take them to a bank branch. Having all the parts will significantly speed up the exchange process; no expertise will be required.
2. Find the nearest bank branch, go to the cashier, no passport or filling out additional documents is required.
3. The cashier inspects the damage; if the money is subject to exchange and there is no doubt about the authenticity, the bank representative issues a new banknote.
4. In difficult situations, the head of the department is involved in the exchange process; if he cannot confirm the authenticity of the money, then an examination is appointed.

Which banks accept problem banknotes?

Probably everyone has ever had the following questions: where to return damaged banknotes? Are all banking institutions involved in exchange or only state-owned ones? By law, damaged rubles must be exchanged by all banks in the Russian Federation, and this process is absolutely free. If the bank refuses to do this or demands a commission, it is possible to complain to the Central Bank.

Where to change a torn banknote:

• It is possible to exchange rubles at the nearest branch of any bank;
• If there is significant damage and you have doubts that the money will be quickly exchanged, contact the Sberbank branch, they are loyal to this process.

Damaged money cannot be exchanged in the following cases:

1. Less than 55% of the original area has remained unchanged;
2. The banknote consists of small parts, none of which exceeds 55%;
3. One half of the glued banknote is less than 50%;
4. Banknotes are marked with special paint;
5. When the top or bottom layer is detached and lost;
6. If this is a sample (special inscription applied).

Examination of damaged banknotes

If questions arise about the authenticity of a banknote or the damage is significant, then it is sent for a free examination to the Settlement Center.

Algorithm of actions:

• The client must write a statement detailing the condition of the money being transferred.
• The client takes the second copy of the application (certified by the cashier’s signature and stamp) and the order.
• The examination lasts 5-10 days.
• If the examination was successful, then the money can be collected at the cash desk/received on the card.
• Otherwise, the banknote will be returned with the appropriate stamp.

An examination may be prescribed in the following cases:

1. The bill is torn into 4 parts;
2. The banknote is glued together from 10 or more parts with the same number;
3. If parts of different banknotes of the same denomination are glued together.

Money cannot be exchanged if:

• Less than 55% of the original area has remained unchanged;
• If 2 parts of the same denomination belong to different banknotes and one of them is less than 50%;
• The banknote is made up of three pieces, each less than 55% of the total area.

Which banks accept old dollars?

Almost all banks accept old dollars, but each has its own rules for such exchange. Replacement fees can range from 3-10%. The procedure is as follows:

1. Contact the bank, find out the amount of the commission and show the banknote;
2. The cashier may offer:
   • buy currency for rubles;
   • transfer funds to a personal account;
   • send for collection to a foreign bank (a commission is paid immediately, but a replacement guarantee is not provided).

What to do with a torn euro bill

Replacing damaged euros is approximately the same as replacing dollars, but if you need to change other currencies, the process becomes much more complicated. What you need to know before exchanging:

1. commission size;
2. such currency is available at the cash desk;
3. whether the bank conducts its own examination or sends it abroad.

Frequently asked questions and their answers

Will the ATM accept a torn bill?

If the bill is carefully sealed, then about 60% of ATMs and terminals can accept it.

Banknotes taped together may not be accepted at self-service machines.

How to seal a torn banknote yourself?

There are several options for gluing money:

• A thin strip of transparent tape on one or both sides;
• A neat strip of papyrus or tracing paper;
• Use regular/quick-drying glue so that the seam is barely noticeable (if the denomination is large, it’s better not to risk it).

What to do if the ATM dispenses a torn bill?

The ATM should not dispense damaged money, but if this happens, the procedure is the same as with any other torn banknote.

Imagine: you take a 5000 bill out of a stack, it gets caught on the rubber band or gets stuck in your wallet, and...

Treacherously torn before your eyes.

What to do? Where to go? It’s a shame, even if it’s money with a face value of not 5,000, but a thousand.

There are 2 options, more about them below.

1. Glue and pay

The first thing that comes to mind: take tape and carefully glue the bill together with a thin strip. And then how pay as quickly as possible her somewhere. Suddenly it will go for a ride.

However, most often it is the big money that is checked most thoroughly. Then the following option is suitable for you.

2. Exchange for a new banknote at the bank

I can say with complete confidence: damaged money can be handed over to any bank and you can receive absolutely intact bills instead.

However there is several conditions:

• you must provide all “original” parts of the bill
• Serial numbers and banknote denominations must be legible

If these conditions are met, go to the bank: they are required to accept money that is torn in several places, punctured, dirty, frayed or frayed at the edges.

What difficulties may arise at the bank?

If the cashier is not sure of the authenticity of the bill, it is sent for examination. Then you will have to fill out an application and leave the money in the bank for a while.

What may be the reasons for conducting an examination:

1. Bank employee may doubt that two parts of a banknote torn in half used to be one piece of paper.

2. The bill was torn and about a third was lost.

3. Worn or lost banknote serial numbers.

If any of the above happens, the money will be sent for additional verification.

In what cases does the bank have the right not to change money?

Yes, banknotes may not be accepted. There are few reasons for this, but they exist.

Firstly, the bank will not exchange money that has already gone out of circulation, for example, a banknote issued in 1995.

Secondly, you will be refused to exchange banknotes with the typographic inscription “sample”. These are quite rare, but they do exist.

Third, they definitely won’t change it if you present half or less of a bill.

You can’t just take and bring first one half of the 5000th, get a new full one instead, and then do the same with the second. It's a pity though.

It’s better not to plan any fraud: you will still be discovered, you will be left without money, and you will also be brought to criminal liability. Why do you need this?

The world is going crazy with PayPass, Bitcoin and other newfangled things. But what happens if we suddenly find ourselves without the Internet? Know that torn paper money can be repaired!

What to do if a damaged banknote appears in your wallet? Is it possible to pay with it? And what to do if it is not accepted as payment? The head of the Main Directorate of the Bank of Russia for the Central Federal District, Ilshat Yangirov, tells the story.

What is the solvency of banknotes?

Ilshat Yangirov: There is a frequent conflict between the buyer and the seller when they do not want to accept your damaged bill. Meanwhile, all organizations, regardless of their form of ownership, are required to accept as a means of payment contaminated banknotes, as well as worn, torn, abraded, small holes, punctures, foreign inscriptions, stains, and stamp impressions. Damaged banknotes - those with missing corners and edges - are also accepted.

The signs of solvency of domestic banknotes and the rules for their exchange are set out in detail in the Directive of the Bank of Russia dated December 26, 2006 N 1778-U “On the signs of solvency and the rules for the exchange of banknotes and coins of the Bank of Russia.”

In this case, the rules are on the buyer’s side: if he pays, the seller is obliged to accept the banknote with minor damage. But if the buyer receives such a bill as change, he has the right to demand that it be replaced.

What to do if the damage is significant?

Ilshat Yangirov: If, for example, you have a torn banknote, in order not to lose its face value, you will have to take it to the bank for exchange. Such banknotes exchanged at par by all commercial banks or accepted by them for transfer for examination to institutions of the Bank of Russia.

What about damaged coins?

Ilshat Yangirov: Bank of Russia coins will be exchanged for you at face value if they do not contain signs of counterfeiting. Replace damaged coins that:

the original form has been changed;

the coin was bent, flattened, sawed, or had holes;

the coin shows traces of metal removal, exposure high temperatures and aggressive environments (melting, etching, changed color);

coins with manufacturer defects.

What to do with damaged foreign banknotes?

Ilshat Yangirov: Each authorized bank independently develops rules for accepting damaged banknotes of foreign countries. These rules are posted on the premises of the bank in which transactions with cash foreign currency are carried out, in a place accessible for viewing: in the operating room on a stand, in information brochures, etc., as well as on the Internet on the bank’s website. Banknotes and coins of foreign countries do not have the force of legal tender on the territory of Russia. Therefore, when purchasing or receiving foreign currency, it is better to immediately check on the spot not only the authenticity of banknotes, but also whether they are damaged.

In accordance with Article 29 of the Federal Law “On Banks and Banking Activities”, for the exchange of damaged banknotes of foreign countries, an authorized bank may charge a commission, the amount of which is established by the bank itself.

It is important to know

What types of damaged banknotes and coins can be exchanged?

Banknotes with significant damage, but not raising doubts about solvency, are exchanged free of charge by all credit institutions at face value.

The main condition is that banknotes must retain at least 55% of the area. Banknotes consisting of two fragments from different banknotes of the same denomination are also subject to exchange, provided that they do not match in graphic image (the halves are different) and each fragment has retained at least 50% of the original area.

Banknotes that have changed color and glow are exchanged ultraviolet rays, if the image is being viewed. (Except those colored with substances intended to deter theft).

When exchanging coins, it is important that damage does not prevent identification of the denomination and that the coins retain at least 75 percent of their original weight.

The exchange of banknotes and coins of the Bank of Russia is carried out without limiting the amount.

Currently, there are fewer and fewer people who would trust their savings to banks. And this is not just a matter of constant revocations of licenses from credit institutions. The love of cash foreign currency among our population is connected, rather, with a general distrust of the national currency. Very often it turned out that all citizens’ ruble savings were rapidly melting away due to devaluation and hyperinflation.

You can buy currency at a bank or directly on the stock exchange through a broker (see article: “ “). But only banks are engaged in transactions with cash foreign currency.

Paper money, of course, is not at all wear-resistant, and over time it may show signs of damage: creases, stains, abrasions, tears, etc. And this is where some problems arise, because banks very often refuse to accept damaged dollars and euros, or want 10-20% of the amount for this operation.

With rubles the situation is completely different. According to the Directive 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,” credit institutions are obliged to exchange free of charge damaged banknotes that have retained signs of solvency for new banknotes.

Moreover, the nature of damage to such banknotes can be very significant and varied; it is enough that one fragment retains at least 55% of the original area of ​​the banknote.

How is foreign currency exchange regulated?

The acceptance of old or damaged currency by banks is regulated by Bank of Russia Instruction No. 136-I dated September 16, 2010 “On the procedure for carrying out... transactions with cash foreign currency...” (you can read, for example,) and Bank of Russia Instruction No. 2054-U dated August 14, 2008 “ About the procedure cash transactions with cash foreign currency in authorized banks on the territory of the Russian Federation" (you can see).

From these documents it follows that banks themselves have the right to establish rules for accepting damaged banknotes of foreign countries. Despite this, some credit institutions manage to violate these loyal requirements.

If you are refused to accept damaged money from foreign countries, then first of all ask the cashier to show you the internal “Rules for accepting damaged banknotes of foreign countries”, and point out the specific point in these rules, according to which your damaged banknote can be exchanged only with a commission or at all not accepted. And only if such a point is found, then the refusal is legal;

In other words, no objections from the cashier that he “just doesn’t like” this bill will be considered legal. Since the currency exchange procedure is an offer, and, accordingly, this operation must have clear criteria. And it’s unlikely that these rules include the clause that “if the cashier doesn’t like the bill without explaining the reasons, then the old dollars will not be exchanged” :)

In this case, you can safely complain about the bank to the Bank of Russia regarding violation of the law (or simply threaten to do so, sometimes this is enough).

First, ask the bank to give you a written refusal to carry out an exchange transaction. The bank may not immediately give you a written refusal (as, for example, in cases of refusal to accept additional contributions on deposits, see article “”). In this case, make a written claim yourself, which the bank cannot refuse to respond to.

Of course, no one needs extra hassle, but you should know that you have the opportunity to protect your rights, but whether the game is worth the candle is up to you to decide.

According to clause 2.4. In Instruction No. 136-I, the bank cannot set any restrictions on the denomination of banknotes or the year of issue during exchange (if the banknotes are officially in circulation). The bank cannot set different rates for different banknotes. And also, the bank cannot introduce restrictions on the amounts of foreign currency cash accepted and issued (with the exception of coins of foreign countries);

Thus, even if in the “Rules for the exchange of damaged banknotes” you find a clause that the Bank does not accept, for example, one-dollar bills, or the exchange rate for them is less favorable, then such rules are illegal and you can safely complain to the Central Bank of the Russian Federation.

It is worth noting here that, of course, it is more expensive for the bank to deal with small bills (more costs for storage, transportation, etc.), but these are the difficulties of the credit institution.

Why do banks not like old banknotes and set a commission for exchange?

The answer is obvious: all expenses for transactions with old money of foreign countries are borne by credit organisation, and not the Central Bank of the Russian Federation (as is the case with rubles, when the Bank of Russia, at its own expense, exchanges old banknotes for new ones). Our Central Bank does not have the ability to print new dollars, euros or pounds to replace the old ones (although it would be funny :)).

Therefore, our banks can exchange damaged or dilapidated banknotes only in foreign issuing banks (pounds - at the Bank of England, euros - at the ECB, dollars - at the Federal Reserve), for this damaged banknotes must be physically delivered abroad (which, of course, costs money) . Therefore, it is obvious that no bank even wants to get involved with coins of foreign countries.

Obviously, only large credit organizations can afford to carry out such operations and credit currency to their accounts abroad; smaller banks simply act as intermediaries. By the way, such activities can also generate income, for example, here is an article on the banki.ru portal.

Thus, cash foreign currency is considered by the bank as a commodity, and not as a means of payment. Therefore, banks are interested in its ideal condition, so that they can then freely sell these same dollars, euros, pounds, francs, yen to you, making money on the spread (the difference between the buying and selling rates).

How to exchange old and damaged banknotes

You should not think that if you receive some torn euros or old dollars, then the situation is hopeless. They can be easily exchanged. Everything, of course, depends on the specific case, on the degree of damage to the banknote, but here are some general recommendations:

1 Try exchanging currency at several banks.
All banks are different, and each has its own requirements for banknotes, and we should not exclude a purely subjective factor. Despite clear rules, very often everything depends on the cashier.

2 The bank will be more loyal to your damaged banknote if you are a client of this same bank and want to replenish your foreign currency deposit with it (there is no point for the bank to go into conflict with an existing client, since attracting new clients is much more expensive than retaining old ones).

3 Quite often, banks refuse to accept banknotes that have even minor marks or stamps on them. In this case, as well as in the case of small dents, tears, breaks, stains, try depositing your dollars or euros into your account through ATMs with the Cash-in function (i.e. with the function of accepting money). Many banks have such currency ATMs, for example, Sberbank, Alfa Bank, Russian Standard Bank, Promsvyazbank, VTB 24.

And in some banks you can exchange currency even without a card, for example, at B&N Bank ATMs:

4 Take your damaged dollars, euros, etc. take it with you on vacation abroad (or ask friends who are going abroad). Actually, there the currency is in circulation and is considered precisely as a means of payment, and not as a commodity. And you will be free to pay with your crumpled, torn, greasy, stained banknotes. Nobody will tell you anything (by analogy with our Russian rubles, the banknotes in circulation are far from ideal).

Moreover, it is not at all necessary that your old dollars will be exchanged only in the USA, and euros only in EU countries. In all popular resorts (Türkiye, Egypt, Thailand, Vietnam) your freely convertible currency will be readily accepted.

5 If you still decide to pay a commission to the bank to sell your currency, then at least choose a more advantageous offer. Sberbank will ask you for 10% for the operation, but, for example, Bank of Moscow is only 5%. Rosselkhozbank also offers to exchange damaged banknotes with a commission of 5%:

6 In case of significant damage to banknotes, or if the bank simply does not want to deal with the damaged banknotes itself, the credit institution may offer you to send your currency for collection. Those. Your money will be sent to the issuing state (abroad, of course) to check its solvency and, if the decision is positive, a refund will be transferred to your account. For example, Sberbank charges 10% for such a service, Bank of Moscow 5%.

It is difficult to call a collection operation in the same Sberbank (as, indeed, in any other bank) a profitable deal, because You have no guarantee at all that you will be paid anything. From the application for acceptance of banknotes for collection by Sberbank (

Each of us has at least once encountered damaged money - torn, frayed, faded, decorated inscriptions or simply accidentally washed bills.
What to do with these? The most important thing is to figure out whether the damaged money has solvency. And if so, then all organizations and entrepreneurs are required to accept them.

Criteria for solvency of money

Signs of solvency of money are given in paragraph 1 of “Instructions of the Bank of Russia dated December 26, 2006” 1778-U. Remind the cashier about them if he refuses to pay you, for example, because the banknote is worn out. And if the damaged money still loses its solvency, alas, you will have to throw it away.

So what are the criteria for the solvency of money?

Banknotes
Small abrasions, dirt, small glued pieces, small paint or oil stains, foreign inscriptions, missing corners and edges, small punctures, holes on bills should not prevent you from paying for goods, work or services with this bill. Two halves of one banknote glued together should also be accepted for payment in any store, but if there is a problem, they will be replaced with a full-fledged bill at the bank.

Coins
Minor mechanical damage on any side of the coin does not deprive it of its solvency. Of course, if the image is preserved. By the way, bankers call the obverse side, or what everyone is accustomed to calling the eagle, the obverse. On it, Russian coins usually depict St. George the Victorious or a double-headed eagle. And the reverse side of the coin in the language of specialists is called the reverse. In simple terms, it is called tails. It indicates the face value of the coin. The obverse and reverse are connected by the edge and side. As a rule, you can see notches on the edge. What kind of money can be exchanged If you still fail to convince the cashier at the store to accept the damaged rubles, you will have to go to any bank and exchange them for new ones. Employees of any bank are required to exchange old and damaged money for free with new ones of the same denomination. But first, it is better to evaluate in advance whether it is worth spending time on going to the bank. After all, only solvent banknotes and coins will be exchanged for you unconditionally. You can understand the solvency of banknotes yourself. Banknotes The criteria by which you can determine whether banknotes will be exchanged for you are established in paragraph 2 of the Bank of Russia Directive of December 26, 2006 “1778-U”. Let's consider each of them in order.

The banknote does not have a significant fragment .
If the bill is missing a corner or has, say, burnt edges, then you can still pay with it. Provided that the banknote was not significantly damaged, that is, the flaws did not affect the graphic design elements and did not damage the security signs. But if the damage is serious and such money is not accepted for payment, it can be exchanged at the bank. But, only in the case when the banknote has survived at least 55 percent.

How do you know if the remaining part of the bill is enough for exchange? The easiest way is to attach the “damaged” banknote to a sheet of paper lined in a square. And see how many whole cells will cover the rest of the bill. This number must be divided by the total number of cells that the whole banknote would occupy. And multiply by 100 percent.

If the result is 55 percent or more, you can safely go to the nearest bank and exchange money. And if it’s less, alas, all that’s left to do is throw away the rest of the banknote.

The bill is torn into several pieces .
It doesn't matter how many pieces the banknote is torn into. If one or more fragments are at least 55 percent of the size of the whole bill, you should exchange it. The instruction “1778-U” allows you to exchange a banknote glued together from many small pieces. The main thing is that they all belong to the same bill.

You have fragments of different banknotes .
You can also exchange two parts of completely different bills. Of course, if they are both of the same denomination. Please note: in this case there should be only two fragments. Instead, you will be given one whole banknote of the same denomination. Three or more pieces of different banknotes, combined in some way into one, will not be exchanged for you.

But here’s what’s important: each part of such a composite banknote must be at least 50 percent of the size of the whole bill. The halves must be different graphic design. That is, for example, if one part of a 1000-ruble banknote depicts a monument to Yaroslav the Wise, then the second fragment must necessarily show the chapel of Minin and Pozharsky.

Changed color or glow of money in ultraviolet rays .
Let's say you forgot to take banknotes out of your clothing pockets before washing. As a result, under the influence detergents money could greatly change its original appearance. And it’s not a fact that you or the cashier at the store will notice this with the naked eye. But when checked on the currency detector that cashiers’ workplaces are now equipped with, your bill may shine in a completely unusual light. The seller will most likely refuse to accept such a banknote. Do not worry. The bank will easily replace it with a new one.

Money can change color in ultraviolet light under the influence of a variety of chemical substances. But, if you can clearly see the images on the bills, you know that you have the right to receive new banknotes. Instead of "defective" ones.

There is only one exception. A situation where banknotes are treated with a special solution to combat illegal transactions or theft. Traces of such a solution can be in the form of small colored spots or colorless ones, visible only in ultraviolet rays. If you suddenly find yourself with just such a marked banknote in your wallet, the bank teller has no right to exchange it.

The banknote turned out to be defective .
The case, it must be said, is rare, but it cannot be excluded. These could be graphic errors or the absence of some security elements. For example, threads. There may be imprints of one banknote on another and other defects. In all these cases, bankers compensate you for monetary shortcomings with new banknotes. And the defective ones will be taken for themselves.

Coins

The signs listed in paragraph 3 of the same Bank of Russia Directive dated December 26, 2006 “1778-U” will help you determine whether they will give you new coins to replace the damaged ones.

The original shape of the coin has been changed .
The bank will accept your coin for exchange, even if it is bent, flattened or sawn, there are holes and other signs of metal removal from the money. But one condition is mandatory: the images on the obverse and reverse must be preserved.

The coin has traces of exposure to an aggressive environment .
The coin may also get burned or even melted. Or it can change its color as a result of chemicals. For example, under the influence of acid. However, in these cases, all your coins will be replaced with new ones.

A defect was found on the obverse or reverse .
As in the case of banknotes, defective coins will be exchanged for full ones without any problems.

Where and how to exchange damaged money

Once you have discovered damaged money and it is not suitable for exchange, feel free to go to a branch of any bank. A specialist will immediately check your banknotes for authenticity. And if the result is successful, he will give you new money without defects. Bankers have no right to demand any commission for this. There will be no paperwork either. There is no need to complete any paperwork when exchanging damaged banknotes.

At your request, new money can be given to you not only in cash. Bank employees will transfer a certain amount to your current account without any problems. To do this, prepare the details in advance. This possibility is provided for in paragraph 4 of Bank of Russia Directive No. 1778-U dated December 26, 2006.

If the cashier has doubts about the authenticity or solvency of the money, they can be submitted for examination to the Central Bank of the Russian Federation. This may take from several days to a month. And you will be required to submit a statement in which you need to indicate the amount of money to be submitted for examination, as well as the method in which it will be returned to you if the validity of the bills and coins is confirmed. By general rules An inventory of the transferred banknotes must also be attached to the document.

Bankers must also conduct the examination free of charge. This is stated in paragraph 16.14 of the Bank of Russia Regulations on the procedure for conducting cash transactions dated April 24, 2008 “318-P.” The results of the examination will be documented in a document. If it indicates that the banknotes are solvent, then they will exchange them for new ones.

Based on materials from the magazine "Glavbukh"