在加拿大，把现金放入银行保险箱被盗：银行会赔偿吗？转载

女子2万加元现金放入银行保险箱中被盗：银行会赔偿吗？蒙特利尔地区一名女子将2万加元现金放入银行保险箱中被盗，她认为这是银行的疏忽和缺乏安全措施导致的，以为银行会赔偿，但现实是银行不会赔偿，因为银行保险箱条款中有专门一条：不允许存放现金。

Irina Broido表示，她和父亲于2009年开设了这个保险箱，用于存放重要文件、珠宝和钱。当她的父亲因病无法出门后，她成为了保险箱的主要使用者。

今年2月，她发现自己存放在透明的Ziploc袋中的钱不见了——这2万加元现金是她为父母的丧葬费用准备的。

Broido说，“就像电影里演的那样，这简直是噩梦”。

Broido随即报警，并要求TD银行位于蒙特利尔南岸St. Hubert分行进行调查。

但此事的处理过程极为艰难。由于保险箱的保密性质，只有Broido能证明其中的内容。而且，保险箱并没有针对盗窃投保——她之前也没有意识到存放现金是被禁止的。

Broido的父母是东欧人，按照她的描述，他们对待金钱的态度是“老派”的。他们不把积蓄存入银行，而是存放在家里。

她认为保险箱是一个合理的替代方案。

Broido说：“我盲目信任银行，因为它是银行”。现在她质疑银行的安全性和程序。

在钱丢失的几个月前，Broido的钥匙开始卡住。银行无法更换钥匙，于是在2023年秋季，她将物品转移到一个新箱子里，并且银行给她发放了一张新的签字卡。

每个保险箱都有一张签字卡，记录了谁有权访问保险箱。客户和银行职员都需要签署此卡以记录访问情况。

去年圣诞节，Broido的签字卡丢失了。尽管如此，她说银行职员还是让她打开了保险箱。

她说：“我怎么能够在没有签任何东西的情况下自由进入？结果银行工作人员却说，别担心，下次我们会打开它。”

在今年1月再次访问银行时，Broido被发放了一张新卡。发现现金丢失后，Broido怀疑是否有其他访问记录没有被妥善记录。

保险箱与银行账户的保护措施不同

快速搜索加拿大的大型银行，几乎没有关于客户可以在保险箱中存放什么的具体说明。具体条款只有在客户签署合同时才会揭示。

不列颠哥伦比亚大学助理教授Eddie Ning表示，这些细节会让产品看起来不那么有吸引力。

他说，“你希望保持你的宣传标语简单明了，对吧？这是一个保险箱，它很安全”。

根据银行的不同，合同中通常会有一项条款，禁止客户在保险箱中存放现金、超过一定体积的贵金属或任何危险或非法的物品，如枪支或毒品。

人们只能在银行营业时间内访问他们的保险箱。因此，一般不建议将护照、医疗指示或遗嘱存放在保险箱中。

Ning说，银行也不会记录客户在保险箱中存放或取出的物品。因此，银行租赁合同规定，银行对遗失或被盗的物品不承担责任。

Ning指出，许多客户误以为保险箱和银行账户一样受到加拿大存款保险公司的保护，但这种保护并不适用于保险箱。

丢失的访问记录和录像

尽管TD银行的调查未能找到Broido保险箱的现金遗失的确凿证据，Broido仍对银行的能力表示怀疑。她发现银行在2023年10月至12月期间没有她的访问记录。

银行的高级管理层要求查看保险箱区域的监控录像，但由于该分行的保险库内或保险箱前没有安装摄像头，录像结果“无法确定”。

尽管出于隐私原因不应记录客户从保险箱中取出的物品，但Iafolla表示，应该有关于谁进出保险库的记录，以便为客户和银行双方提供保护。

Broido已彻底失去了对银行系统的信任，上周她永久关闭了TD银行的保险箱。

Broido说，“处理这些情绪和压力并不容易”，她目前正在接受魁北克犯罪受害者援助中心（CAVAC）的心理援助。

一、加拿大银行保险箱的法律性质（非常关键）

在加拿大，银行保险箱的法律关系是：

银行只是“出租保管空间”，不是“保管财物”

也就是说：

银行 不知晓 你放了什么
银行 不盘点、不登记、不检查内容
银行 不承担内容物的保管责任

这点在所有五大银行（RBC / TD / Scotiabank / BMO / CIBC）的条款里都写得非常清楚。

👉 和银行存款（deposit）完全不是一个法律概念。

二、现金被盗，银行是否赔偿？分 4 种情况

✅ 情况 1：不明原因失窃（最常见）

❌ 银行不赔

例如：

保险箱被撬
钥匙未丢但现金不见
银行系统漏洞或员工失误无法明确证明

👉 银行会说：

我们只负责“箱子”，不负责里面的“东西”

⚠️ 情况 2：明确证明是银行或员工重大过失

🔶 理论上可能赔，但现实极难

你必须证明：

是银行员工 故意或重大过失
有监控、指纹、记录等直接证据
且能证明你具体放了多少现金

👉 实际操作中：

几乎没有成功案例
现金最难证明数量
法律成本极高

❌ 情况 3：银行条款已明确“免责”

直接不赔

绝大多数银行合同都写明：

不对现金、珠宝、文件、贵金属损失负责
不对盗窃、火灾、水灾等负责

你签字＝默认接受。

🔒 情况 4：你自己额外买了保险

✅ 保险公司可能赔

不是银行赔，是：

房屋保险（Home Insurance）
租客保险（Tenant Insurance）
或专门的 Valuables Insurance

但前提是：

保单明确覆盖「银行保险箱内现金」
且有 限额（通常 $1,000–$5,000）

⚠️ 大额现金通常仍不赔。

三、为什么“现金”特别不受保护？

在加拿大法律和保险体系中：

项目	保护程度
银行账户存款	CDIC 保障 $100,000
银行保险箱内现金	❌ 几乎无保障
珠宝/金条	⚠️ 需单独保险
文件	⚠️ 无实际赔偿价值

原因只有一个：

现金无法证明存在、数量、来源

四、真实案例（加拿大常见）

多伦多、温哥华都有发生过
客户保险箱内现金或珠宝失窃
银行统一回应： “我们对箱内物品不承担责任”

👉 大多数案件最后 客户自行承担损失。

五、在加拿大更安全的做法（非常重要）

✅ 1️⃣ 不要把大量现金放保险箱

银行自己也不建议放现金。

✅ 2️⃣ 分散方式更安全

一部分进银行账户
一部分短期 GIC
一部分可转为 银行本票 / Draft

✅ 3️⃣ 如果一定要放

务必做到：

不放超过 你能承受全损的金额
拍照 + 列清单（虽然法律效力有限）
购买附加保险（如可行）

六、关键总结一句话

在加拿大，银行保险箱不是“保险”的箱子
现金被盗，银行几乎不会赔偿

整栋building一起出售回报率高 200万以下

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447 Huntsville Crescent NW in Calgary: Huntington Hills 4 plex for sale : MLS®# A2293800
447 Huntsville Crescent NW Huntington Hills Calgary T3K 4W3

447 Huntsville Crescent NW Calgary T3K 4W3 Huntington Hills

$1,150,000

Multi-Family

Status:

Active

MLS® Num:

A2293800

Floor Area:

1,989 sq. ft.185 m2

Public Remarks: Invest in a rare opportunity with this well-maintained fourplex, ideally situated in the community of Huntington Hills. Each of the four spacious units offers roughly 980 sq. ft of comfortable living space, featuring 3 bedrooms and full self-containment – including a private utility room with its own furnace, hot water tank, washer, dryer & added storage space. Set on a large 7,556 lot, beautifully treed, the property offers both privacy and charm. The bright basement suites benefit from large windows that bring in plenty of natural light, creating a more welcoming and open atmosphere rarely found in lower-level units. The upper units feature brand-new patio doors that open onto a recently renovated balcony, offering an unobstructed view and a perfect outdoor retreat. Tenants will also appreciate the convenience of being just minutes from top-rated schools, shopping centers, Deerfoot Trail, and public transit – making this location unbeatable for families and commuters alike. All four units are in immaculate condition, making this a true turnkey investment. With strong rental potential and a prime location, this property is a standout choice for investors or extended families seeking space and independence under one roof. Don’t miss out fourplex properties in this price range are rare More details

Listed by RE/MAX Real Estate (Mountain View)

LISTING DETAILS
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
1311 1 Street NE in Calgary: Crescent Heights Full Duplex for sale : MLS®# A2288649
1311 1 Street NE Crescent Heights Calgary T2E 3B6

1311 1 Street NE Calgary T2E 3B6 Crescent Heights

$800,000

Multi-Family

Status:

Active

MLS® Num:

A2288649

Floor Area:

990 sq. ft.92 m2

Prime inner-city redevelopment opportunity in Crescent Heights. Positioned on a just under 60 x 100 lot and zoned M-CGd72 (Multi-Residential – Contextual Ground Oriented), this property offers exceptional potential for townhomes or a four-plex style development (City of Calgary confirmation required) in one of Calgary’s most sought-after infill communities. M-CG is specifically designed to support ground-oriented multi-residential projects that align with the character of established neighbourhoods — making this an ideal site for builders looking to deliver high-demand product in a proven location. Currently situated on the lot are two connected homes plus a detached garage. A couple of existing tenants provide income to help offset holding costs while development plans are finalized. Total of 5 units 9 bedrooms provide ton of opportunity. Whether you choose to hold short-term or move quickly toward redevelopment, the flexibility is there. The location speaks for itself. Just off 16th Avenue and Centre Street NE, this site offers quick access to downtown, major transit corridors, restaurants, retail, and amenities. Crescent Heights continues to see strong buyer demand driven by walkability, skyline proximity, and ongoing area revitalization. This is the type of parcel that rarely becomes available — multi-residential zoning already in place, eliminating much of the uncertainty developers often face. For experienced infill builders/multi-family this represents a strategic acquisition: • Established inner-city neighbourhood • Multi-residential zoning in place • Revenue-generating holding property • Strong resale demand for ground-oriented product Opportunities like this are becoming increasingly scarce in Crescent Heights. Secure the land. Design the vision. Build what the market wants. More details

Listed by Real Broker

LISTING DETAILS
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
7406-7408 Hunterfield Road NW in Calgary: Huntington Hills 4 plex for sale : MLS®# A2276447
7406-7408 Hunterfield Road NW Huntington Hills Calgary T2K 4L1

7406-7408 Hunterfield Road NW Calgary T2K 4L1 Huntington Hills

$1,295,000

Multi-Family

Status:

Active

MLS® Num:

A2276447

Floor Area:

1,990 sq. ft.185 m2

Here is the perfect investment, the hard work is all done for you . Just purchase and rent! This is a beautiful, very high quality, thorough renovation! A newly finished, legally suited side by side duplex on 7028SQFT Lot. The upper 2 units have had substantial facelifts and have been opened up with, new kitchens with quartz counter tops on the islands, new bathrooms, new flooring, all new light fixtures, all new appliances, private laundry, separate heating and their own electrical panels. The lower units are completely new starting from the framing out. They have 5 large, new egress windows, separate heating and electrical panels, private laundry and all new everything in each unit. The building has a new rubber membrane roof, new casement window's throughout, new fencing, new parking pads (for 8 vehicles off street) all with parking stops, new kitchen appliance throughout, new landscaping and front sod. The upper suites are 3 bedroom and a 4 pc bath, the lower units 2 bedroom and 4pc bath, all are bright and fresh. It is a single title to make for easier financing. Rents total $6400 per month; tenants pay their own utilities and must be assumed. Don't miss out...places like this don't come to market often...this is your chance. More details

Listed by Century 21 Bamber Realty LTD.

LISTING DETAILS
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
1-2-3-4 6815 Centre Street NW in Calgary: Huntington Hills Row/Townhouse for sale : MLS®# A2286114
1-2-3-4 6815 Centre Street NW Huntington Hills Calgary T2K 0V3

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$1,288,882

Multi-Family

Status:

Active

MLS® Num:

A2286114

Floor Area:

4,324 sq. ft.402 m2

6815 Centre Street NW | Investor Alert! | Rare Opportunity To Own A Well-Maintained 4-Plex In The Highly Sought-After Community Of Huntington Hills | 4 Separate Titles | All Four Units Are Spacious 3 Bedroom 2 Bath Two Storey Corner Units | Offering Excellent Functionality For Families With In-Suite Laundry & Full Basement | Nestled On A Large Lot With Ample Parking In The Alley | Situated Close To Schools, Transit, Shopping & Deerfoot Trail | Fully Rented With Strong Cash Flow | No Inside Pictures Of Other Units | New Torch On Membrane Roof (2009) | New Exterior Windows & Doors (2008) | Newer Kitchen Counters & Cabinets & Bathroom Vanities. More details

Listed by Real Broker

LISTING DETAILS
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
112 29 Avenue NW in Calgary: Tuxedo Park Triplex for sale : MLS®# A2281768
112 29 Avenue NW Tuxedo Park Calgary T2M 2L8

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$799,800

Multi-Family

Status:

Active

MLS® Num:

A2281768

Floor Area:

1,264 sq. ft.117 m2

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Listed by Century 21 Bamber Realty LTD.

LISTING DETAILS
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号
1-7 2515 First Avenue NW in Calgary: West Hillhurst Apartment for sale : MLS®# A2274935
1-7 2515 First Avenue NW West Hillhurst Calgary T2N 0C3

1-7 2515 First Avenue NW Calgary T2N 0C3 West Hillhurst

$1,980,000

Multi-Family

Status:

Active

MLS® Num:

A2274935

Floor Area:

1,064 sq. ft.99 m2

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Listed by RE/MAX Landan Real Estate

LISTING DETAILS
- HUI ZHAO
- TREC The Real Estate Company
- 1 (403) 3995168
- Contact by Email
- zhaohuihouse 微信号

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