810 currency code Russian rubles. Telephone codes of Russian cities. Regulations on the Chart of Accounts

Andrey Toporkov about code 810. Banking details. YouTube

We refer to "Sperbank" an application-requirement by code 810 and 643 ... (part 5) ...

Today, November 28, 2017, at the request of the Savings Bank itself, we referred the application - the requirement (as an attachment to the payment made on November 17, 2017) to the Savings Bank by code 810 and 643 ...
Unfortunately, this payment was not fixed (as it turned out after payment) due to technical reasons of the phone and it was not possible to upload the video ... And these were two payments out of five paid payments on that day 11/17/2017 .... For the other three payments from five there are videos on YouTube in 4 parts ...
By the way...thank you all for the comments!!!..
Especially for insults...

The text of the application - requirements:

Head of PJSC Sberbank
............. branch N:8613/013

payer
Full name

Address:
tel:

Legal monitoring of IUK RF.
Reason: N 212-FZ of 07/21/2014
"On the basics of public control in the Russian Federation"
December 25, 2008 No. 273-FZ "On Combating Corruption",
Decree of the President of the Russian Federation No. No. 925
"On measures to implement certain provisions
Federal Law "On Combating Corruption"
Decree of the President of the Russian Federation No. 822 of 08/04/1997
“On Changes in the Face Value of Banknotes and the Scale of Prices”

APPLICATION - REQUIREMENT
(About the absence of my debt).

Circumstances of the case:

On November 23, 2017, I received a letter from your branch, after I made payments on November 17, 2017, according to the settlement accounts indicated on the photocopy attached to the claim, which indicates the settlement account with the currency code 810 (6,7,8- i numbers). According to the Amendments of 6/2003 OKV in the All-Russian classifier of currencies OK (MK (ISO 4217) 003-97) 014-2000, approved. This code has been canceled by the State Standard of the Russian Federation.
To date, the currency code is valid - 643 letter designation RUB - "OK (MK (ISO 4217) 003-97) 014-2000. All-Russian classifier of currencies" (approved by Resolution of the State Standard of Russia of December 25, 2000 N 405-st) (ed. from 06/02/2016).
According to the Civil Code of the Russian Federation, all obligations are subject to execution strictly in accordance with the law. By Decree of the President of the Russian Federation No. 822 of 08/04/1997, the Russian ruble (810 RUR) was denominated to the Russian ruble (643 RUB) at a ratio of 1:1000 due to this circumstance, it is necessary to denominate.
Due to the fact that this currency is not in the currency turnover of the Russian Federation, it is not possible to pay these accounts in the currency of 810 RUR, therefore they are paid by means used in the Russian Federation with the code 643 RUB.
On the day of payment, I informed the teller that it was necessary to convert 1:1000 in accordance with the Decree of the President of the Russian Federation No. 822 of 08/04/1997 “On changing the face value of banknotes and the scale of prices”, I confirm this notice with a written statement - demand.
Ask:
Issue - send me, at the above address, a document confirming that I have no debt on the loan and closing these credit accounts.

I enclose:
1. copies of notices of payment.
2. payment receipts.

Warning

Unlawful refusal to provide a person and (or) organization with information, the provision of which is provided for by the federal laws of the Russian Federation, the Constitution of the Russian Federation and Art. 8 of the Law of the Russian Federation "On the Protection of Consumer Rights", its untimely provision, or the provision of knowingly false information, entails administrative liability under Art. 5.39. Code of Administrative Offenses of the Russian Federation, as well as liability under Art. 136 of the Criminal Code of the Russian Federation (violation of equality of human rights and freedoms), art. 140 of the Criminal Code of the Russian Federation (refusal to provide information to a citizen).
The above text and appeals to the authorities are set out in the state Russian language (Article 68, Part 1 of the Constitution of the Russian Federation), which will not give grounds for excuses for misunderstanding the meaning of my appeals!
Ignoring this appeal, the absence of a motivated, complete, objective, competent, deliberate, legal, intelligible, correct answer within the deadline for the document flow, or an answer that is not substantive will be regarded as your full consent to cooperation in the above format, and support for my further authorized actions at my discretion.

643 currency not legalized. It is called " Bank of Russia tickets", and by law the only legal means of payment RUBLES OF THE RUSSIAN FEDERATION, not tickets, because 643 currency is not legalized, then this is generally considered a counterfeiting turnover, and so that they do not fall under this article - they write 810, but in fact they take 643, and this article is an imaginary deal ...

The FSSP writ of execution, as a rule, indicates the currency code 643 RUB. This is the current ruble, denominated. A 810 RUR non-denominated, until 1998, when there were millions, three zeros more. Some banks also indicate that they have issued loans in 643 currencies. For example, Credit Europe Bank, when taking a car loan, etc. 643, according to the instructions of the Central Bank and the Orders of the Ministry of Finance, are used only in foreign trade operations and settlements outside the Russian Federation. Everywhere the "Old code" 810 is used, although the ruble is already different. On this discrepancy and catch banks, utilities, bailiffs, etc. On the nullity of the document, inability to find 810 currency, inability to pay 643, because used abroad, etc.

CENTRAL BANK OF THE RUSSIAN FEDERATION

INSTRUCTION dated November 19, 1997 N 26-U ON THE PROCEDURE OF NUMBERING PERSONAL ACCOUNTS OPENED ON BALANCE ACCOUNTS FOR ACCOUNTING INCOME AND BUDGET FUNDS OF ALL LEVELS (as amended by the Instructions of the Central Bank of the Russian Federation dated 05.01.2001 N 897-U, dated 3 03/03/2001N 945-U)
more

You can refuse all payments due to the mismatch of currency codes in the current account. These are 6,7,8 digits in any current account. They ask you to pay 810 with RUR code. This code has not been used since 2002 and is closed.

You can look at the consultant +. Currency code 810 is a non-denominated currency before 1998 when there were millions. Now the currency code is 643-RUB. You can declare that I have no way to find money with a currency code, because. they are withdrawn from circulation, thus I can not fulfill the terms of the contract.

OK (MK (ISO 4217) 003-97) 014-2000

ALL-RUSSIAN CURRENCY CLASSIFIER

Russian classification of currencies

According to the rules of the Regulation of the Bank of Russia 385-P "On non-cash payments in Russian Federation"account No. 40817 ... current account of a resident individual. It exists independently (for current settlements, for servicing a deposit) (she, as a citizen "judge", who receives a salary in any bank, respectively, has the same account, 40817 ..., on which own money.)

The main document that spells out the rules for keeping records of not only household loans (retail loans), but in general all accounting rules, is July 16, 2012 N 385-P “Regulations on the rules for maintaining accounting in credit institutions located on the territory of the Russian Federation”. In accordance with this provision, loans to individuals (residents) are recorded on account 455 (first order account). In the chart of accounts, it is called “Loans and other funds provided by individuals". According to the accounts of the second order, credits are recorded in accordance with the degree of urgency. For example, on accounts 45502, loans for a period of up to 30 days are recorded, on accounts 45503 - for a period of 31 to 90 days, etc. Loans for a period of more than 3 years are recorded on account 45507. A separate account 45509 records "overdrafts", and on Account 45510 includes other funds. Accounts from 44502 to 45510 are active (we remember that loans issued are assets for the bank, that is, sources of income).

Pay attention to the difference between a checking account and a loan account.

The first one is opened on the basis of a bank account agreement, which is the main and only sign of the concept of "account", which is given in Article 11 of the Tax Code of the Russian Federation. Under a bank account agreement (hereinafter I quote Article 845 of the Civil Code of the Russian Federation), the bank undertakes to accept and credit funds incoming to the account opened for the client (account holder), fulfill the client's instructions to transfer and issue the appropriate amounts from the account and conduct other operations on the account. Let us take into account that such an agreement is concluded only at the mutual will of each of the parties.

To open a second one, a bank account agreement is not concluded, since this is the direct responsibility of the bank (it follows the instructions of the Central Bank of the Russian Federation). Loan accounts are opened without the consent of the borrower (it is not required), i.e. his will in these cases is not expressed. In fact, such accounts do not meet the criteria defined in Art. 11 of the Tax Code of the Russian Federation, i.e. are not "accounts" in our usual sense, when through them the bank conducts settlements with its customers. Thus, the bank's link to the account of an individual 40817810200051489418, which refers to personal accounts for crediting incoming to the account opened (account holder), Money is not a credit account, since a credit account is an account - 455 (account of the first order), in the chart of accounts it is called “Loans and other funds provided to individuals” and cannot serve as evidence of a signed loan agreement with the bank and the issuance of cash funds, in terms of opening a loan account and issuing funds from it.

How this account can be credited to someone who does not understand ...

Currency code 810 or 643 - Russian ruble

Currency codes are contained in the International Standard ISO 4217, as well as the All-Russian Classifier of Currencies developed on its basis. Name of the monetary unit: Russian ruble. Digital currency code: 643. Letter code: RUB. The first two letters RU denote the state - Russia (Russian Federation), all together - the name of the currency - Ruble (Ruble). Countries and territories of circulation: Russia.

Prior to the 1998 denomination, the numerical and alphabetic codes used were 810 and RUR, respectively. Despite changes in the classifier, the 810 currency code is still used when generating 20-digit bank account numbers in national currency(e.g. 40817 810 000000054321). currency code 810 is the Russian ruble before denomination. Accordingly, in all documents after that distant denomination, 643 should be used.

CURRENCY CODE 810 and 643 see

Hello dear friends! Today we will discuss the topic of the so-called ruble conversion and what are the codes 810 and 643. Why do I want to touch on this topic? I have already been sent several times a video about the conversion and the ability to pay loans in a smaller amount than established by the contract. Please comment if this is true or not.

We are talking about the fact that, supposedly, the non-denominated ruble (before 1998) has the code 810, and the modern one - 643. And it seems that on this basis banks are doing some kind of fraud, considering the money on our settlement accounts in non-denominated rubles.

Those. the whole trick is that 1 ruble in code 643 is equal to 1000 rubles in code 810. On this controversial judgment, the theory of conversion is built. In a bank current account, the currency code is 6,7,8 digits of the account. For example: 40701810.........

Some people believe that it is possible to convert currency code 810 to currency code 643 or vice versa. It makes me very sad that so many lawyers and popular bloggers fall for this nonsense. They call the change in the currency code the scam of the century, the greatest deception and the like, but at the same time they make a reservation that they cannot prove anything. In addition, there is no judicial practice regarding the “conversion” of currencies, and there is also no legal justification for changing the amount of a cash deposit or loan depending on the code value of the currency! Up-to-date legal information - Telegram channel And Youtube Channel.

Below is a video that explains the problem:

I understand the desire of people to pay loans in a smaller amount. Loans are an unconditional evil, but this is not about that. The time has come, dear readers, to deal once and for all with these figures and with this “deception of the century”. Let's start with an explanatory video. In the video, I and the candidate of legal sciences Bakhmetiev Pavel:

Here's another alternative view:

Denomination 1998

The denomination in Russia took place on the basis of Decree of the President of the Russian Federation of 08/04/1997 No. 822 "On changing the face value of Russian banknotes and the scale of prices."

According to this decree, from January 1, 1998, the ruble was denominated and the money in circulation was replaced with new ones at a ratio of 1000 to 1.

In fact, the denomination was a replacement of old-style money with new ones. At the same time, the purchasing power of our currency has not changed in any way.

All-Russian classifier of currencies OK 014-94

Date of introduction - 01.07.1995

OKV was developed on the basis of an international standard for use in forecasting foreign economic relations, accounting for foreign exchange receipts and payments, accounting and statistical accounting, operational reporting on transactions related to international settlements, monitoring compliance with contractual and payment discipline.

The Russian ruble had a sign - "810", and a letter sign - "RUR". Other currencies had other digital values. US dollar - 840, Euro - 978.

Thus, at the time of the denomination, the digital value of the currency was “810”

All-Russian classifier of currencies OK (MK (ISO 4217) 003-97) 014-2000

Date of introduction - 01.07.2001

The All-Russian classifier of currencies was approved by the Decree of the State Standard of Russia of December 25, 2000 No. 405-st.

The classifier is included unified system classification and coding of technical, economic and social information (ESKK) of the Russian Federation.

The classifier is intended for the same purposes as the classifier OK 014-94 that has become invalid.

The Russian ruble had a sign - "810", and a letter sign - "RUR".

In addition, from this period (from 01.07.2001) position “643” (“RUB”) is used with an explanation that the position refers to the denominated ruble.

Changes No. 6/2003 OKW

Since January 01, 2004, the Russian ruble has a digital code - "643", an alphabetic code - "RUB". From the same moment, the code "810" ceases to exist.

It should be understood that the classifier primarily performs statistical functions, and the value 810 is currently not assigned to any currency. Those. currently there is no currency in the world with the code 810, according to the Classifier.

Despite the fact that in the all-Russian classifier the code of the Russian ruble was changed to 643, the code 810 was left in the structures of domestic settlement accounts.

Thus, the chronology of events can be represented in the table:

Thus, in the period from 01/01/1998 to 01/01/2001, the ruble was already denominated, and the value of 643 appeared only in 2001. Conversion theorists, I believe, do not take this circumstance into account.

What is a checking account?

A checking account is just an account that banks use to record money transactions.

In Russia, there is the Central Bank, which determines the order of numbers in the current account number. So, if you want to know why banks use the digital value 810, just take and open the Regulations on the Chart of Accounts for Credit Institutions and the procedure for its application approved by the Bank of Russia on February 27, 2017 N 579-P. Everything will become clear to you!

Regulations on the Chart of Accounts

In fact, the order of numbers and their meaning is determined by this Regulation.

The Regulation on the Chart of Accounts for Credit Institutions and the Procedure for its Application, approved by the Bank of Russia on February 27, 2017 N 579-P, establishes the following:

The signs in the personal account number are located, starting from the first digit, on the left. The numbering of the personal account starts with the section number. When carrying out transactions on accounts in foreign, clearing currencies, as well as in precious metals, in the personal account in the categories intended for the currency code, the corresponding codes provided for by the All-Russian Classifier of Currencies (OKV) are indicated, and for accounts in the currency of the Russian Federation, the sign of the ruble " 810"

The Regulations also stipulate that the accounts of commercial non-governmental organizations begin with "407", and the accounts of individual entrepreneurs begin with "408", and so on and so forth.

Thus, for settlement accounts, the sign of the ruble is used - 810. Despite the fact that the Regulation I have been in force since 2017, the previously valid provision has a similar explanation.

There is no deceit or malicious intent here. It seems to me that this should be clear to any sane person. These numbers are just for convenience. That's all. They do not affect purchasing power. Moreover, at present, non-denominated money is not used in Russia.

Moreover, there should not be accounts in Russia that would use the value 643, since this would be contrary to the above Regulation.

At the same time, if someone opens a current account with a value of 643, then this will not change anything.

What happens if you pay on account 643?

Dear friends, if you pay your loans or utility bills by entering the code 643, then you will not change the purchasing power of money in any way.

For example, you have heard a lot of various gurus who say that a loan of 5,000 rubles per month must be repaid on account 643 in the amount of 5 rubles per month. Yes, you can specify this in the payment order. But understand that then bailiffs will work with you when the bank sues and wins the case without any problems.

My personal opinion

There is no conversion and cannot be. Don't get carried away with this topic. The whole possibility of converting is nothing more than a play on words and complete stupidity. Code 810 and 643 are nothing more than statistics that are used in the classifier. And in settlement accounts, the numbers 810 are used, because the Central Bank of Russia indicated so. Tomorrow they will change the code to another number and nothing will change. It's just a statistic.

There are other classifiers, for example, the All-Russian classifier of types of economic activity. At one time there were two of them. One was used, then another.

Or, for example, identification documents have a classification. So, the passport has the number "21". If this number is changed tomorrow, this will not mean that the passport has become invalid.

Thus, this whole "theory" is complete nonsense and illiteracy. All those who are in a hurry to talk about the possible conversion of the ruble from one code to another do not themselves have a positive practice. As there are no judgments. There are no legal justifications and confirmations.

All these gurus, by and large, exploit the desire of people to throw off credit bondage or not pay loans at all. That's all. I'm sorry that many lawyers succumbed to this nonsense. They cannot prove anything, but with their authority they increase the spread of all sorts of myths.

I wish you all financial stability and well-being. There is a lot of deceit and injustice in our society, including in the banking system, but conversion is not the topic.

Telegram channel And Youtube Channel.

The All-Russian Classification of Currencies (OKV) is part of the Unified System for Classifying and Coding Technical, Economic and Social Information (ESKK) of the Russian Federation.

Reference book of currencies OK (MK (ISO 4217) 003-97) 014-2000 (approved by the Decree of the State Standard of Russia dated December 25, 2000 No. 405-st) is used to predict foreign economic relations, accounting for foreign exchange earnings and payments, in accounting and statistical accounting, operational reporting on transactions related to international settlements, as well as to control compliance with contractual and payment discipline.

For convenience, in the OKW, currencies are grouped in two appendices on various grounds:

• in Appendix A, sorting is given by the names of currencies, arranged in alphabetical order, indicating their alphabetic and numeric codes, as well as countries and territories in which this currency is national;
• Appendix B lists the countries and territories in alphabetical order and lists the names and codes of their currencies.

Currency code 840: US dollar

The digital currency code for the US dollar according to OKW is 840. The letter code corresponding to the US dollar currency code 840 is USD.

Currency code 978: Euro

The numerical code of the euro currency according to OKW is 978. The letter code of the euro 978 is EUR.

Currency code 643 or 810: ruble

And the ruble - what is the code? The currency code for the ruble according to OKV is 643. Until 01.01.2004, the currency code 810 corresponded to the Russian ruble. However, in accordance with Amendment 6/2003 approved by the State Standard of the Russian Federation to OKV, the code 810 for the ruble was replaced by the currency code according to OKV 643. However, it still occurs from time to time confusion when answering the question "ruble code 810 or 643?". It must be borne in mind that from 01.01.2004 the ruble code is 643. Now the currency code 643 (ruble) corresponds to the Russian code 643 according to the All-Russian Classifier of Countries of the World (OKSM) (put into effect by the Decree of the State Standard of December 14, 2001 No. 529-st), i.e. the code according to OKV 643 and the code according to OKSM 643 became the same.

Currency code 826: pound sterling

The UKW pound sterling has the digital code 826 and the letter symbol GBP.

Other digital and alphabetic codes, names of currencies, names of countries and territories according to the All-Russian Classifier of Currencies can be found at

This is not quite a topic for a website site, but Internet hype is now fashionable. We decided to dispel the myth about the “grand scam of the Central Bank” a little.

IN Lately in the world of finance, one can observe a big hype that has risen around the currency code attached to the Russian ruble. Why is it customary to use code 810 instead of 643 in personal accounts? Let's try to figure it out - is this a scam or is it a normal state of affairs?

Many online publications are actively disseminating information that the largest financial scams are constantly scrolling in the Russian banking system. Of course, there is a share of the Central Bank's fault in this, but let's not discuss this problem for now, but let's start with more mundane things ...

Ruble code 810 or 643: what's the catch?

So, a personal bank account consists of 20 digits, three of which symbolize the aforementioned currency code. The Russian ruble is usually denoted by the code 643, but in fact, the code chosen for it is 810, which was used in the financial system before the denomination. Is it legal?

In fact - yes, you can say legally. The fact is that the number 810 is now officially approved, but it acts only as a sign of the ruble, but by no means its code. This state of affairs has become commonplace and no one has any doubts about the legitimacy of the banking system.

Why is 810 used?

So all the same - why do we see code 810 in the personal account number? The denomination process involves using the number 643 to denote the denominated ruble, and the number 810 for the regular ruble. Over time, the code 810 was decided to be excluded from the classifier.

Thus, the number 643 became the only code for the Russian currency. However, there is a small amendment - since the final transition to the new designation was not finally approved by the relevant structures (documents: Letter of the Central Bank of the Russian Federation of December 30, 97 N 77-T, as well as letter of the Central Bank of the Russian Federation dated 04.12.2000 N 176-T), for ease of work with accounts, the following classification was introduced:

• 810 - sign of the ruble for accounts within the country;
• 643 - currency code "Russian ruble" in international trade accounts.

Anyone who wishes to receive more detailed information on the use of the number 810 in the account number can apply to the Central Bank of the Russian Federation with a request. The answer will be something like this:

This is the official response of the Central Bank, posted on the official website of the Central Bank of the Russian Federation. Link: http://www.cbr.ru/analytics/accounting/files/579_09112017.pdf .

In addition, information on this matter can be found on the Internet at any of the many banking forums dedicated to the problem of codes 810 and 643.

Code 810 RUR and 643 RUB: judicial practice

But what about the ruble codes in judicial practice? As you already know, currently the number 810 is a sign of the ruble, not its code.

That is why no financial recalculations are permissible - even going to court will not save you in this case. We studied several attempts at lawsuits, but all the cases considered by the court were lost by the plaintiffs.

Summing up, we can say the following. Yes, there is some negligence on the part of the Central Bank, but to say that the “scam of the century” is being played out in the banking system is too much.