Due to attacks on banks, the expert advises Ivanovo residents to keep cash on hand
It is also useful to distribute money between banks: keep a small amount on the bank card of the second tier, a savings account of up to 500 thousand rubles in one bank, a deposit of up to a million in another. If one bank fails, payments will pass through others.
Against the background of frequent attacks on financial infrastructure, banking analyst Andrei Barkhota recommends that Russians diversify their savings and keep some of the money for current expenses in cash. According to him, when the infrastructure of the bank is damaged, there is not a credit, but an operational risk: accounts and deposits do not disappear anywhere, but people temporarily lose the ability to manage funds remotely, for example, a mobile bank does not work.
Therefore, the expert advises to have a cash reserve for five to seven days of normal expenses. It is also useful to distribute money between banks: keep a small amount on the bank card of the second tier, a savings account of up to 500 thousand rubles in one bank, a deposit of up to a million in another. If one bank fails, payments will pass through others.
Velkhota urged not to panic: even with large-scale damage, money remains in the accounts, and access to them is usually restored after a short time.
