How to find out your pension fund using SNILS

SNILS provides its owner with the opportunity to manage their own pension savings. Like most documents, it is issued by a government agency - the Pension Fund of Russia. Today, each person must monitor the status of his personal account himself, since written notifications have been abolished since 2013. In this regard, many citizens have thought about how to check SNILS on their own, and in some cases, the pension insurance certificate also needs to be checked, for example, when changing or clarifying personal data.

Briefly about SNILS

Let's consider SNILS from the point of view of the current legislation of the Russian Federation. This is a unique identifier, which, on the one hand, allows its owner to control his own pension contributions, and on the other hand, helps the Pension Fund control these contributions in a personalized accounting system.

The abbreviation SNILS stands for “individual personal account insurance number,” which, in turn, is a numeric code of eleven characters.

The document containing this code number is called an insurance certificate of compulsory pension insurance, is produced in the form of a light green plastic card, which contains some personal information about its owner and the authority that issued it.

Every person officially employed on the territory of the Russian Federation must issue a SNILS, this is due to the fact that by law employers are required to make pension contributions for each employee.

Checking SNILS will allow you to find out whether your employer is making pension contributions to your personal account in good faith.

Children can also receive a “green card” at the request of their parents.

Read more detailed information about what SNILS is.

In what cases is SNILS verification necessary?

Despite the fact that SNILS is issued by a government agency, in some cases it needs verification and control:

1. When it is necessary to verify whether the information specified in the application form corresponds to the SNILS number. The human factor has not been canceled, and mistakes still sometimes happen, and the reliability of information when preparing documents is very important, especially if it concerns a personal account with pension savings. In this regard, after issuing an insurance certificate for compulsory pension insurance, it is better to check the correctness of the specified data.
2. In the event of a change in personal data, since nowadays, when contacting any government body or institution, SNILS is almost always required, so the data must correspond to reality.
3. If necessary, find out the amount of funds in your personal pension account.
4. If a person wants to verify the regularity of pension contributions from his employer or receive an extract about their receipt to his personal account.

When do you need to find out if SNILS is ready?

If you have just submitted an application for a “green card”, then to save your own time it is better to first check the readiness of SNILS, and only then go for it. Modern technologies allow you to check this information online without leaving your home.

This is also possible in the case of drawing up a document for children, but for this you need to have information on how to find out whether SNILS is ready for a child via the Internet.

Verification methods

If we are talking about checking an insurance certificate, then the first thing that comes to mind is to check SNILS on the website of the Russian Pension Fund, because it is this body that issues this document and maintains a database of relevant deductions. However, the department itself is in no hurry to provide such information, as it is classified as confidential. That is why checking SNILS for correctness using the database of the Pension Fund of the Russian Federation online is impossible. On the one hand, this is, of course, inconvenient, but on the other, information about a person is well protected, because SNILS contains not only information about pension savings, but also about the citizen himself, his experience and earnings.

Due to the fact that it is not possible to find out the necessary information on the PFR website online, many citizens are interested in how to check the insurance certificate of compulsory pension insurance in this institution in another way. This is due to the fact that the majority of the older generation trusts the Pension Fund in this matter. Of course, the Pension Fund will be happy to provide you with all the information you are interested in, but only upon personal contact.

In some situations, it becomes necessary to check the authenticity of a document. In this case, the website of the Federal Tax Service of the Russian Federation can come to the rescue; all that remains is to find out how to check the authenticity of the SNILS of an individual on the tax website.

To do this, you need to go to the Federal Tax Service website, fill out a special form and send a request. It is worth noting that when creating a request, you will need to enter some personal information: full name, identification document, and the data contained in it.

An important nuance is that the Federal Tax Service of the Russian Federation will be able to provide the data you require only if it is contained in their database.

The validity of the pension insurance certificate can also be checked on the FSS website using the SNILS number; to do this, you need to enter the certificate number. Due to the emergence of a huge number of fraudulent sites, it is better to check the document here.

When contacting the Pension Fund office in person

When you contact the Pension Fund office in person, you will certainly be provided with the information you are interested in, but this will only happen if you confirm your identity with documents.

As you know, in any activity carried out by a person, mistakes can be made, therefore, in order to avoid errors and inaccuracies of various kinds, it would not be superfluous to send a letter to the Pension Fund of the Russian Federation to clarify SNILS.

Using a check number

As with many documents, the SNILS number has a control number that you can determine yourself and thereby verify the authenticity of the document. The algorithm itself is in many ways similar to calculating the TIN check number.

It is worth noting that of the eleven characters depicted on the insurance certificate, the first nine constitute the account number itself and the last two are the control number.

There is the following algorithm for determining the tenth and eleventh digits:

1. Each number must be multiplied by the number of its position, counted from the right. For example, the first number in the number is multiplied by 9, the second by 8, and so on.
2. All resulting figures must be summed up.
3. If the resulting number is less than 100, then it will be the control number. If the result obtained is greater than 101, then the resulting number must be divided by 101, so if the remainder is less than 100, then it will be equal to the control number. When the result of the second point is the numbers 100 or 101, then the SNILS control digits are 00.

You can also check the check number on the Internet.

Who can use this method

It is important to note that the above algorithm for checking the SNILS check number is not suitable for all citizens, since it is only valid for numbers above 001-001-998.

On the Internet on the State Services website

Despite the fact that the Russian Pension Fund does not provide the opportunity to check SNILS on its official website, checking SNILS by number online through State Services is quite possible. The unified portal of State Services is a truly useful service that provides many services, including information.

However, in order to check the insurance certificate of compulsory pension insurance via the Internet, you first need to register on the site and get a personal account, as this will give you access to a wider range of services and will make it much easier to obtain publicly available ones. To do this, you need to go to the State Services website and click on the “Personal Account” item and click on the “Register” button. After you enter your phone number, create a password and confirm this data, you can consider that the first stage of registration has been completed. Next, you will need to adjust your personal data and enter your SNILS number.

After filling out the field, you must click the “Save” button.

If the system missed the insurance certificate number and a green checkmark appears next to it, then everything is fine with it. Thus, an online verification of SNILS validity will be performed already at the registration stage.

If the system generates an error when performing these actions, then either there is something wrong with your document, or a system error has occurred on the site. In any case, this is a reason to contact the Pension Fund branch, since only there can confirm the authenticity of the document.

If the system gives an error

Don’t immediately panic if, when entering your pension insurance certificate data, you are faced with the fact that the site gives an error or writes: “SNILS is invalid, please check your data.” In this case, the problem does not necessarily lie in your document, since, despite the good functioning of the State Services website, glitches may still occur on it. It’s definitely worth visiting the Pension Fund branch after receiving such a response.

Many users encounter problems at the registration stage on the State Services portal, which are related specifically to checking SNILS data. There may be several reasons why SNILS is not checked:

1. Invalid input. When entering the number indicated on the certificate, you must skip spaces and dashes. This is the most common reason why people get system failures during background checks.
2. System error. In case of various failures in the program, even correctly specified information may be interpreted incorrectly by the system.
3. There is really something wrong with your document. It is possible that the changed data has not yet been updated or has not been updated on time, or an error was made when issuing the insurance certificate.

As you can see, when entering data you need to be as careful as possible and know how to correctly enter the information.

When contacting Sberbank

It is worth knowing that you can check SNILS not only at the Pension Fund, but also at a Sberbank branch, but for this you need to be registered in the information exchange system. This can only be done in person at one of the Sberbank branches. You will also need to present a passport and an insurance certificate of compulsory pension insurance, after which a bank employee will give you an application form, on the basis of which the registration itself will be carried out. Once all the necessary actions have been completed, the operator you contacted will be able to find out the information you are interested in through the Sberbank-Online system.

Visual inspection

A visual inspection of the “green card”, of course, will not give you a 100% guarantee that everything is in order with your document, however, some inaccuracies may prompt you to contact the Pension Fund to clarify your pension data.

Before you begin examining the document, it is worth studying exactly what information it should contain and where it should be located. To do this, it is best to familiarize yourself with the sample, which provides a transcript of all the data.

How to check the SNILS number using the Pension Fund database

Checking SNILS by number can be carried out during a personal visit to the Pension Fund or done through the official website of the system. To make this feature available, you must first register. Without an account, you will not be able to access your personal account. To request data, it is recommended to proceed according to the following scheme:

1. The citizen logs in by entering a login and password. The first data can be a mobile phone number or email address.
2. The applicant goes to the “insured person’s account” section.
3. The system will display a list of available options to the citizen. In the list you need to click on the data of interest.

In what cases is SNILS invalid?

When drawing up SNILS, however, like many other documents, sometimes mistakes are made, as a result of which the document will be considered invalid. An example is the case when the last name, first name and patronymic do not correspond to the specified SNILS number. A similar error can occur when changing personal data, when a person is required to change not only his passport, but also a number of other documents, which include a pension insurance certificate.

As a result of one mistake, an error may appear in the calculation of insurance premiums, because the employee’s SNILS is not found, and this will not allow the employer to regularly contribute funds to the employee’s pension account.

In addition, there may also be an inaccuracy when writing the certificate number itself, and an incorrect SNILS will cause problems not only for the employee, but also for the employer, since, given these circumstances, the latter will not be able to fulfill his obligations to the state.

What to do if the document is invalid

The insurance certificate received from the Pension Fund of the Russian Federation, no matter whether it was received for the first time, after a change in personal data, or in case of loss, must be checked.

If after checking it turns out that there is an error in the document, you need to contact the Pension Fund with a corresponding application and get a new one.

If for some reason the owner of SNILS did not do this, but the discrepancy in the data was noticed by his employer, then the latter must submit an application to the tax office about the discrepancy between the SNILS full name and TIN of the employee.

Read more about how to get SNILS.

What to do if scammers find out your number

If the scammers have already found out all the data and transferred the funds to another fund, the citizen has the right to cancel the transaction. For this purpose, an application is written to the Pension Fund. You can go to the MFC and fill out a form there.

When making transactions with large sums, banks need time; if they act quickly, the money will remain in the account. Employees will then change the account information so that it cannot be used.

If the funds have already been transferred, and the citizen found out about it late, then there are 2 ways to return the money:

• submit an application to the Pension Fund for the refund procedure (takes several years);
• submit an application to the Pension Fund to transfer savings from another account to the original one.

The pension investment agreement, which each person signs when receiving SNILS, states that paperwork can take up to 5 years. In year 6, the funds will be transferred to a non-state Pension Fund.

The accumulated profit will be transferred along with the principal amount. In other words, after fraudulent activity, a person has 5 years to recover funds.

Brief summary

To avoid problems with pension savings and not become a victim of a fraudulent scam, you need to be able to check the document issued to you for validity and correctness of execution. If you have the slightest suspicion that something is wrong with your compulsory pension insurance insurance certificate, it is better to contact the Pension Fund and find out all the details.

Checking SNILS will not take much time and will not require any money, but it will help to avoid serious problems, especially since this will require only two documents - a passport and the certificate itself.

How to protect yourself

There are 7 ways to prevent fraudulent activities:

1. Do not provide information over the phone, even if the caller introduced himself as an employee of the Pension Fund. Pension Fund employees do not call citizens and do not have the right to request personal information over the phone or transfer money. If you receive a call, just hang up and don’t listen to the scammers.
2. Do not tell your SNILS number to anyone except police officers and the Pension Fund.
3. There is a secret code on the back of the card; it cannot be disclosed to third parties (it is not required for registration on State Services).
4. Do not fill out personal information (SNILS, passport, bank card, phone, any ID, etc.) on non-governmental sites, especially if they promise to increase pension savings.
5. Conduct transactions with pension funds only on the State Services website or on the official website of the Pension Fund.
6. Do not store the bank card code along with the card.
7. If fraudsters have already found out the card number, contact the Pension Fund to change the data.

A citizen will not be deceived by a fraudster if he carefully reads the documents he signs. If there are no papers and you are only asked to provide your SNILS number, then you need to end the conversation.

If a person has doubts about the legality of the operation, he can contact the Pension Fund for advice. Employees have legal rights to make transactions with pension savings.

To avoid unpleasant problems with documents, you need to be wary of offers to increase your pension or transfer funds. SNILS may only be needed by police officers and Pension Fund employees.