За сохранность денежных средств на счетах своих вкладчиков отвечает банк.Источник:
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http://xn--80aaaf9agbtgd4a3f4b.xn--p1ai/%d1%81%d1%83%d0%b4-%d0%b2-%d0%ba%d0%b0%d1%87%d0%ba%d0%b0%d0%bd%d0%b0%d1%80%d0%b5-%d0%be%d0%b1%d1%8f%d0%b7%d0%b0%d0%bb-%d1%81%d0%b1%d0%b5%d1%80%d0%b1%d0%b0%d0%bd%d0%ba-%d0%b2%d0%b5%d1%80%d0%bd%d1%83/