Coin acceptance machine Scan Coin CDS 830 is a self-service device that allows you to quickly and easily get rid of accumulated small items. Using it, a bank client can exchange coins for banknotes and pay with them various kinds services, for example, mobile communication services, transfer money to the card account. The use of such a device allows the bank to free up staff time for sales and customer consultations, as well as solve the problem of the lack of coins required for cash settlement services legal entities. In turn, a shopping center, having established itself, can attract new customers and receive additional income by charging a commission on transactions carried out.
Using the device is very simple. To credit money to your account, you need to insert a plastic card into the receiving window of the machine. After this, you must, following the prompts displayed on the screen, select the desired menu item and load the coins into the receiving tray, as soon as they get inside the machine, press the “Deposit to Account” button.
The machine will recognize the coins, count them, rejecting foreign, damaged and counterfeit ones, and display the resulting amount on the screen. Rejected coins will end up in the lower compartment, from where they will need to be removed. The funds will be credited to the account, the device will issue a check containing information about the total amount, bank name, address, phone number, transaction date and number, terminal number and card number, and then return the card.
Convenient user interface, as well as check design is provided operating system Windows XP. With its help, data is encrypted, connected to the bank’s automated control system, and devices are combined into a single network.
Accepted coins fall into special bags or a trolley box located inside the device. To avoid equipment downtime, the machine has a warning function about the fullness of the drives and the remainder of the receipt tape.
Like a coin counter, the device stores the results of recalculations in memory. When carrying out collection, the machine issues a receipt with information about the amount and number of coins accepted, broken down by denomination, as well as final report for all transactions performed, including data on the date and time of opening and closing of the session, as well as the number of clients served during the session.
The Scan Coin CDS 830 coin accepting machine is produced both in the lobby configuration and for through-the-wall installation. Such equipment for banks can be located both inside and outside the branch of a credit institution. Vandal-proof design and reinforced housing reliably protect equipment from mechanical damage.
Devices for accepting coins can be additionally equipped various devices. The choice of configuration depends on the required functionality and operating conditions. To implement the necessary operating modes, the following can be optionally selected: a trolley with an automatic locking device, a banknote acceptance unit, a touch monitor with the ability to adjust contrast and backlight, and a magazine printer.
The self-service device for automated processing of coins Scan Coin CDS 830 will help the bank improve the quality of service by new level, requiring high efficiency and meeting specific customer needs.
→ Where to donate coins (changes)?
Where to donate coins (changes)?
What to do with pennies?
Currently in cash circulation there are coins of the following denominations: 1 kopeck, 5 kopecks, 10 kopecks, 50 kopecks, 1 ruble, 2 rubles, 5 rubles, 10 rubles and 25 rubles. All of them are solvent, but among them there are coins of the Bank of Russia that are in little demand - these are coins in denominations of 1 kopeck, 5 kopecks and 10 kopecks.
Many of us don’t see the point in carrying around handfuls of accumulated coins, so we pour these worthless little things into various vases, jars, baskets, boxes... Ultimately, all these containers are filled with kilograms of “money” and the question involuntarily arises - where to donate the penny coins denomination?
In this article we will tell you how to donate the accumulated change.
Which banks accept small coins?
Coins of any solvent denomination and any year of minting, which is indicated on the front side of any coin (obverse), must be accepted at any Russian bank, including our beloved Sberbank. Instead of kopecks in the bank, we are required to give us coins of higher denominations or paper bills.
In accordance with Article 5.8 of the Regulations of the Central Bank of the Russian Federation dated April 24, 2008 “ About the procedure cash transactions and rules for storage, transportation and collection of banknotes and coins of the Central Bank in credit institutions in Russia» cash exchange by bank cashiers is carried out upon a written application from the client, which is drawn up in any form in a single copy, and upon presentation by the client of a passport or other identification document.
Yes, it’s really not as simple as one might imagine. The application, although written in free form, according to the same Regulations of the Central Bank, it must contain the following information:
- Full name of the individual who applied to the bank;
- date of application;
- the total amount of cash to be exchanged (necessarily with an explanation in words);
- detailed transcript coins by denomination (1 kopeck - 234 pcs., 5 kopecks - 482 pcs., etc.).
By the way, before going to the bank, take the trouble to sort the coins by value. It is unlikely that the cashier will want to do this work for you.
Can all banks exchange change for paper money?
Many people complain that in practice it is not always possible to deposit a large number of small coins at the bank. The cashier replies with a smile that she would gladly accept the coins, but literally 5 minutes ago the bank’s counting machine broke down and now it is not known when it will be repaired. To the question " where to donate coins?"The bank employee simply shrugs.
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You can return coins at Russian Post
Russian Post offices still work with kopecks every day, accepting correspondence for dispatch and handing over change. Therefore, sorted coins are accepted quite willingly there. In addition, in any department there are high-precision scales that help determine the number of coins in an instant, because each coin has its own standard weight.
02/04/2018 at 14:43, views: 36347One penny after another means the ruble runs up, people say. And sometimes there are so many coins that you simply have to store them in three-liter jars. Because other banks - those that are financial institutions - do not accept them very easily. Although, it would seem, they are quite a worthy means of payment: no one banned them on the territory of Russia or took them out of circulation. However, as practice shows, not all credit institutions accept deposits of small change, not to mention stores where small change is not considered money at all. MK understood how and where you can exchange kopecks for banknotes.
Take it to the pharmacy!
Perhaps in any Russian home there is a piggy bank where the whole family stores unused coins. Moreover, citizens most often collect iron money not for at will: small change naturally ends up in wallets and pockets. Muscovite Nadezhda Sinitsyna didn’t even think about becoming a numismatist. A whole jar of coins from the Soviet and perestroika periods has accumulated. True, they no longer carry any financial burden: greetings from the past, a reason for nostalgia - that’s all the value. However, modern trifles there is also plenty in the Sinitsyn family. “Teenage children collect. For them, this is a way to have some pocket money. They can completely calmly go to the store with a jar of change and irritate all the customers standing in line after them. I wouldn’t have decided to do this on my own,” says Nadezhda.
Adults do not have such spontaneity. In addition, in stores, to put it mildly, they are not always willing to take small change. “I recently tried to scrape together the required amount with 10-kopeck coins and pay at the store. But the seller, with a dissatisfied expression on her face, literally threw them back to me,” complains Anna Petrova on the Internet.
As practice shows, it is now a particular problem to hand over the smallest coins of 10 and 5 kopecks somewhere. This is despite the fact that they are considered legal tender. "MK" decided to conduct an experiment: to look for where the small change is taken into account?
The first point is a chain store. There the cashier waved her hands as soon as she saw that I was taking change out of my wallet: “No need, I’ll give you change anyway!” Next try is the printing kiosk. I pay for the chosen newspaper (21 rubles) with a pile of small coins. The kiosk lady, we must give her credit, first begins to honestly count the small change. But her enthusiasm didn't last long, and she eventually gave up. “Where do you get them, where?!” If you have accumulated them, take them to the pharmacy. You always need change there,” the woman says indignantly.
Indeed, why not go to the pharmacy? I look into the nearest one, and - oh, joy! - I really managed to get rid of the coins jingling in my pocket. However, our wallet did not lose much weight. “Before, pennies were always needed. And now people are increasingly paying bank cards, so the need for them has disappeared,” pharmacist Elena Antonova told MK.
As Mark Goikhman, leading analyst at TeleTrade Group of Companies, explains, in Russia the share of cash in settlements, albeit slowly, is still decreasing. For recent years it decreased from 75% to 68%. As a result, iron money simply began to lie like a dead weight in the wallets of our citizens. According to the Central Bank, an excessive number of coins are now issued in the country: their volume is approximately one and a half times higher than in the European Union. “The population has accumulated large reserves of coins. Now there are 64 billion of them in circulation, which is about 92% of cash, but in total it is only 1% of the total,” continues Mark Goikhman.
Unprofitable penny
Most recently, the Central Bank, in an advisory form, asked commercial banks to begin collecting small change from the population. For this purpose, in particular, it is recommended to install coin acceptors in branches of credit institutions, allowing people to exchange coins for paper money. Bank specialists must also work with clients so that they regularly hand over the small change they have accumulated. In addition, the policy of exchange transactions should be changed in favor of clients. Let us remind you that now financial institutions charge a commission of up to 10% for exchanging metallic money for banknotes.
As experts explain, the need to seize slow-moving coins has been long overdue. Firstly, accepting iron money from citizens will allow, on the one hand, to involve this money in circulation. “Coins from 50 kopecks and below are practically not in circulation, which means that a significant share of the money supply is not involved in servicing the economy,” notes Forex Optimum analyst Ivan Kapustyansky.
Secondly, in this way it will be possible to compensate for the costs of minting new, still in demand coins. The fact is that their issue costs the Central Bank many times more than the face value of the banknote itself. For example, the cost of issuing a one-kopeck coin is about 8 kopecks, and a 5-kopeck coin is 13. The cost of a coin is now about 36% of the declared denomination of the Central Bank. In the world it reaches 15%. As for paper banknotes, their cost, even with all degrees of protection, does not exceed 1% of their minimum cost. In particular, it costs less than 50 kopecks to issue 50 rubles, and less than 5 rubles to issue 5,000 rubles.
It is no coincidence that almost five years ago the Central Bank announced the cessation of minting coins of 1 and 5 kopecks, since their production was many times more expensive. However, as the Chairman of the Bank of Russia, Elvira Nabiullina, explained at the end of 2017, we are not talking about the complete withdrawal of these coins from circulation. “Prices are set in kopecks, we are obliged to provide stores and pharmacies with change,” Nabiullina said.
Moreover, according to the legislation on domestic currency, the ruble consists of 100 kopecks and must be exchangeable. Therefore, pennies will still remain in wallets. It’s just that their number, as planned by the Central Bank, should decrease somewhat.
From iron coin to plastic banknote
According to the regulator, as of January 1, 2018, there were more than 65.640 million coins of various denominations worth 95.7 billion rubles in circulation in Russia, and their specific gravity of the total cash is only 1%. “We can assume that the regulator aims to seize about a third of all coins in circulation - about 21.880 million coins of different denominations, and in return will actually inject liquidity into the economy for the same amount,” believes Ivan Kapustyansky.
At the same time, inflation will not accelerate, since this money is already included in circulation. “Approximately, 21.880 million coins amount to about 62 thousand tons of various metals. These include brass and copper-nickel alloy,” continues the expert. Most likely, the Central Bank will melt the coins. According to experts, as a result, he can earn over 12 billion rubles from this.
In this way, the Central Bank will be able to combine business with pleasure. On the one hand, the excess of coin cash will be reduced, which, in turn, will accelerate the turnover of money by replacing iron money with banknotes or non-cash funds. On the other hand, economic entities will get rid of the need to collect a large volume of small change, transport, count, and store it. This will certainly save them both man-hours and direct non-production costs. In addition, a profit of 12 billion rubles will not be superfluous.
However, as experts warn, banks are unlikely to be willing to accept deposits of coins from the population, since they will consider the process unprofitable and too time-consuming. “Logistics and servicing of coins requires certain conditions, which are paid by banks. That is, this is included in their calculations for the use of services for settlement and cash services,” explains Gleb Zadoya, head of the analytics department at Analytics Online.
Therefore, it is not yet possible to completely abandon the little things. It is possible that the Central Bank will have to think about how to motivate credit institutions to accept iron money. For example, accepting a coin higher than its face value and placing the difference in a bank reserve account.
Meanwhile, the financial world has already come up with an alternative to both coins and paper bills - plastic banknotes, which are now used by fifty countries. For example, on September 13, 2016, the transition to polymer money began in the UK. 5 pounds were the first to go into circulation. And a year later, another plastic banknote will be put into circulation in the United Kingdom - in denomination of 10 pounds - with the image of the writer Jane Austen. Plastic banknotes are also common in Australia, New Zealand, Vietnam, Canada and the Maldives.
The service life of new banknotes is several times longer life cycle the same paper money and reaches 5 years. Plastic makes money more durable, repels water and dirt, and also protects banknotes from damage. “But such re-equipment will require a decent amount of funds, which will only be recouped in a few years. And given the deficit budget for the next three years, this is clearly not a priority task for the Russian economy,” believes Gleb Zadoya.
Meanwhile, while the Central Bank is only giving recommendations to banks to more actively accept iron money from the population, special machines have already appeared in Moscow where you can deposit coins of all denominations - from 1 kopeck to 10 rubles. True, you will have to fork out for the opportunity to get rid of deposits. The machine takes almost 12% of the amount as a commission.
Moreover, the remaining amount (88% of the deposit) cannot be simply received in banknotes. They can either be transferred to a card or deposited into an account mobile phone. Moreover, the amount should not be less than 1000 rubles. Now in the capital there are about 34 machines that accept coins. Most often they are located in large shopping centers.
Through thorns to cashless payments
Meanwhile, as experts predict, it is possible that after the Central Bank manages to slightly reduce the amount of small change in circulation, it will be the turn of banknotes. It is no coincidence that on October 12, 2017, new banknotes in denominations of 200 and 2000 rubles came into circulation. At the same time, simultaneously with the introduction of new banknotes, the number of 100 and 1000 ruble notes will be reduced. “New banknotes are printed not in addition to the current ones, but instead of them. That is, the volume of the money supply will remain the same,” explains Ivan Antropov, First Deputy Director of the Institute of Contemporary Economics, to MK. The expert adds that the appearance of new banknotes will not affect inflation in any way.
According to him, there are rather questions of convenience of payments and consumer psychology. Maybe some Russians will be more pleased to hold more large bills after receiving a salary. Moreover, as the MK experiment showed, it is difficult to pay with small change. At the same time, non-cash payments in our country are not yet so popular. “The transition to non-cash payments alone is not yet possible due to the lack of the required infrastructure throughout the country for both the population and legal entities,” notes Gleb Zadoya.
The appearance of new banknotes, first of all, will cost banks a pretty penny, which will have to change software ATMs. By the way, now the new banknotes, which are slowly starting to come into circulation, are not yet taken seriously by the population. They are sold on the Internet as souvenirs at twice the face value, and store sellers refuse to accept them, fearing that what they are looking at is a fake. In addition, ATMs “spit out” unfamiliar pieces of paper. As experts explain, credit organizations have not yet re-equipped their equipment. Therefore, they accept new banknotes the old fashioned way - for now only through the cash register.
Pockets full of change, wallet swollen with coins, children's piggy bank filled to the brim. Everyone faces an overabundance of metal money from time to time. If you have accumulated coins, how can you get rid of them in a civilized manner in Moscow?
Photo: portal Moscow 24/Vladimir Yarotsky
Everything is in piles
Bags of hard coins can be taken to Sberbank. They will be exchanged for paper bills in all branches of the capital.
However, it is not worth carrying the “capital” right away. First, you need to come in person and agree on the transaction with a bank employee. Sberbank does not serve clients by phone. The bank will not charge a commission for exchanging coins for banknotes.
Then you need to prepare to deposit the money. Sort the coins into piles by denomination, count, write down the resulting amounts and put the coins of each denomination into separate bags. In addition to coins, you definitely need to go to Sberbank grab your passport.
The dealer must know the amount he intends to exchange, as the bank will ask write a statement about the operation. It must indicate the surname, initials, date of compilation, amount of cash in figures and words, number and denomination of banknotes subject to coin exchange (“Regulations on the procedure for conducting cash transactions and collection of banknotes and coins of the Bank of Russia in credit institutions in the territory of the Russian Federation.” – Ed.).
Until recently, some Sberbank branches had ATMs that accepted change without sorting, counted it, issued a check with the calculated amount, after which the cashiers issued paper bills. The ATM charged a 3% commission for counting money. Now they are not used in the capital offices of Sberbank.
Money for money
Another way to exchange coins for banknotes in Moscow is to contact commercial bank. However, this service is not provided in all banks.
As a rule, if a commercial bank has such a service, it provides it for commission. For example, at Absolut Bank you can exchange metal coins for paper bills if you are going to exchange at least 100 rubles, a consultant told the Moscow 24 portal. One hundred coins will be accepted at any bank office and exchanged for large bills without commission, and if there are more coins, you will have to pay 10% of the amount for the operation.
The Moscow Credit Bank has the same opportunity, however, this can only be done in two branches: on Lukov Lane and on Tsvetnoy Boulevard. A commission of 2.5% of the amount will be charged for the operation, the consultant clarified. As in Sberbank, they ask you to pre-sort your change by face value.
Otkritie Bank told the Moscow 24 portal that the exchange of change for paper bills is carried out without commission, and no sorting is required. You can perform the transaction at any branch where there are cash desks for individuals. But before going to the bank, it is better to check the availability of a cash desk on the bank’s website or with the contact center operator.
All banks will ask present your passport.
Special vehicle
In Moscow, change can be handed over to special terminals Coincom.ru network. They accept coins of any denomination - from one kopeck to 10 rubles. It is not necessary to pre-sort and count the coins; the brought change just needs to be loaded into the specified compartment.
A representative of the network, in a conversation with the Moscow 24 portal, said that each operation is charged commission of 11.9%. In addition, paper bills will not be issued for metal money. The machine will offer to choose one of two ways to deposit money: put it on your phone or on a card. If there are fewer coins than a thousand rubles, then only the first option will do. The money will arrive on your phone in about two hours, and on your card within three days.
There are 39 Coincom.ru offices in Moscow and the Moscow region. All of them are located in large shopping centers. In the Central Administrative District of the capital there is only one such coin acceptor: in shopping center"Auchan Troika" on Verkhnyaya Krasnoselskaya Street.
No losses
Money from the piggy bank can be taken to a pharmacy, post office, shops or work canteen, where often I'm missing some change for change and change. Coins can be accepted with joy, or they can refuse - they have no obligations.
You can get rid of small change by simply paying with it. It is accepted, for example, at self-service checkouts in some stores.
Another option is to do a good deed and donate coins to charity. Donation collection boxes are available in many stores and chain cafes and restaurants.
If you have accumulated a lot of small change (for example, if you broke big piggy bank and are going to buy something), you can exchange it for paper bills at Sberbank of Russia. However, this will be somewhat more difficult to do than other actions listed in the list.
The fact is that change in itself is not exchanged at Sberbank. This is not a service, and you may simply be refused an exchange. At the same time, if we are talking about damaged metal or paper money, you have every right to exchange them at the cash desk.
However, if you still need to make an exchange, you can do one of the following:
1) Personally ask the Sberbank cashier to exchange change for paper bills. If the amount involved is not too large, they will be happy to help you: as a rule, cashiers need small change. They often make the reverse exchange, receiving change for paper bills (as a rule, if these are representatives of a store, cafe or other establishment). It should be kept in mind that in in this case the cashier takes responsibility for exchanging change at Sberbank, and if there is no shortage of change, or the employee does not have time for service, you may be refused.
2) If, having personally asked the cashier, you were refused, you can do this simply: open a deposit account (a simple savings book) and put all your change into it. In this case, they simply must accept it. You can get your money back, already in paper bills, on the same day or literally a minute after you deposited it into your account. True, in this case they have the right to give you funds in the same small change. To prevent this from happening, you can use a plastic card with a deposit account. Having deposited money into it at the cash register and waited for it to be credited to your account, you can withdraw it from the nearest ATM. In this case, you will only receive paper bills.
3) If your change is damaged in any way, you are free to exchange it at the cash register. Sberbank is obliged to exchange damaged money. In this case, unfortunately, you may also be given exactly the same change, but most often cashiers prefer to give in larger bills.
Today Sberbank is expanding the range of services and opportunities for its clients. Thus, terminals for exchanging small change for paper bills have already appeared in Moscow. They allow you to exchange quickly and without any problems. The terminal itself will count and classify the coins and issue the required amount. Unfortunately, you have to pay for this - the bank takes 3% of the amount exchanged.
You can exchange change at Sberbank at any time and in different ways. The main thing is to remember that you are not required to make the exchange at the cash register itself, and you do not have the right to write a complaint against the cashier who refused you this service. However, in many branches, due to the small number of people wishing to make an exchange, they accommodate not only regular customers from stores and kiosks, but also ordinary people.
