Amounts receivable: Am I entitled? How to withdraw? Ask questions – 03/09/2023 – Market

Brazilians with old bank accounts, who made a consortium or had fees improperly charged at some point will be able to get back that money “forgotten” in banks and financial institutions through the Central Bank.

The SVR (Values ​​Receivable System) started releasing on Tuesday (7) the amount to which citizens are entitled. In all, 40.9 million individuals and companies can redeem forgotten BRL 6 billion. The request to have the money is made on the website valorareceber.bcb.gov.br.

This is the second round of releases. The first took place last year, between March and April, but was interrupted. At the time, heir values ​​were not released.

Forgotten money payment can be made by Pix, DOC or TED. Financial institutions have up to 12 days to return the amounts, in most cases, but there are situations in which the citizen will have to contact the bank or finance company.

clear your doubts

Who can have money forgotten in banks and finance companies?

Any individual or legal entity that has had a relationship with banks or finance companies at some point may be entitled to the amounts receivable.

Where do the SVR values ​​come from?

The money to be returned by the institutions refers to:

• Closed checking or savings accounts with available balance
• Capital quotas and apportionment of net surpluses of former members of credit unions
• Unsought resources from closed consortium groups
• Unduly charged fees
• Installments or expenses of credit operations charged
• Closed pre- or post-pay payment accounts with available balance
• Registration accounts held by brokerage and dealerships closed with available balance
• Other resources available at institutions for return

How do heirs get access to money?

It is necessary to consult with the data of the person who died and then access the SVR system with the Gov.br silver or gold account of the heir. The money must be requested from the financial institution.

It will be necessary to present documents that prove the relationship. In general, the documents are death certificates, proof of registration status in the CPF and other documents issued by a notary or by the Judiciary that prove the kinship and that registers, files or fulfills the will, that indicates the applicant as executor, or even that give powers of attorney.

The type of document to be presented will be the responsibility of the bank or finance company.

Why do I need to be in a queue?

In the first phase of the return of receivables, the citizen consulted the SVR and the system informed that he should return at a future date and request the return. For easy access, now you won’t have to come back another day.

But, in order not to run the risk of the system not supporting the total number of citizens seeking to receive the forgotten money, there will be redirection to a virtual waiting room whenever the maximum capacity of the Central Bank computers is reached.

In the room or queue, the system will inform how many people are ahead and the expected waiting time.

How do I request amounts to be received?

Citizens need to access the Central Bank website created for the SVR with the CPF number and date of birth, for individuals, or the CNPJ and date of opening of the company, for legal entities. See the step by step on how to redeem the values.

HOW TO ASK FOR MONEY IN SVR

1. Go to the website valorareceber.bcb.gov.br and click on “Sistema de Valores Receivable”
2. Enter the data requested by the system, which are CPF and date of birth, for individuals, or CNPJ and company opening date, for legal entities
3. Go to “Consult”
4. Then click on “Access SVR”
5. If there are many accesses, the user will enter a virtual queue; the system will inform you in which position the citizen is
6. Then enter your CPF and password Gov.br silver or gold
7. On the next page, if the money to be withdrawn is yours, choose “My receivables”; if it belongs to someone who has already died, go to “Values ​​of deceased persons”
8. Accept the “Awareness Term” and go to “Confirm”
9. On the next screen, the following information will appear: how much there is to receive, name and other data of the bank or finance company that will pay, origin of the money and additional information, if applicable
10. If the system indicates the option “Request this way”, you will need to select one of your Pix keys and enter your personal data (keep the protocol number)
11. If the system offers the option “Request this way”, but does not present the possibility of informing the Pix key, contact the financial institution by telephone or by email informed to agree on the form of return

HOW HEIRS CAN RESCUE FORGOTTEN MONEY

1. Go to the website valorareceber.bcb.gov.br and click on “Sistema de Valores Receivable”
2. Enter the data requested by the system, which are the CPF and date of birth of the person who died
3. Go to “Consult”
4. Then click on “Access SVR”
5. If there are many accesses, the user will enter a virtual queue; the system will inform you in which position the citizen is
6. Then enter your CPF and password Gov.br silver or gold
7. On the next page, choose “Deceased Person Values”
8. Accept the “Term of responsibility for accessing third-party data” and click on “Confirm”
9. Enter the CPF and date of birth of the person who has already died
10. If there are amounts to be received, all information on the money to be returned in the name of the person who died will appear, by value range, in addition to the bank or financial institution where the amount is and information for the citizen to make contact with the institution and request the ransom
11. It will be possible to share, print or save the screen, but it is possible to request the amount through the SVR, informing the Pix key, as happens with those who have their own money to withdraw

I redeemed money in 2022, can I have something extra to receive?

Yes, as there are amounts from other investments or accounts, those who have already redeemed in 2022 can have access to more money. If the system has shown, in consultation last year, the right to receive and, now, it does not show anything else even if the redemption has not been made, it will be necessary to contact the financial institution.

Until when can I withdraw my values?

Unlike last year, when there was a payment schedule, the forgotten money can be redeemed at any time. You must have a Gov.br silver or gold account to request payment to the bank or financial institution where the amount is.

What to do when it appears that the institution has not signed the “Term of Adhesion”?

Payment of money forgotten in banks can be made by Pix, DOC (Credit Order Document) or TED (Available Electronic Transfer). Those who have Pix receive faster. However, there are cases in which the institution will not pay this way because it has not signed the “Term of Adhesion”.

In this case, you will need to request the money directly from the bank or financial institution. Of the total of 1,060 institutions that informed values ​​to the SVR, 640 of them signed the “Term of Adhesion”. The data to make the request are informed by the system.

How do I get a Gov.br silver or gold account?

Citizens with money forgotten in banks and finance companies need to have a Gov.br system account at silver or gold level to withdraw amounts receivable. The seal must be larger than the bronze —Gov.br gateway— to bring more protection and security to taxpayer data.

The account can be created by computer, tablet or cell phone. On the computer, just access the system’s website (gov.br/governodigital) and follow the step by step. Information such as CPF number and date of birth, among others, is requested.

On a cell phone or tablet, citizens must download the application and create their account. In this case, it is easier to get a silver or bronze level because, as there is access to the camera, citizens can more easily prove their identity.

STEP BY STEP TO CREATE A PASSWORD ON GOV.BR

1. Visit the website gov.br/governodigital
2. Under “Recommended services for you”, click on “Create your gov.br account”
3. On the next page go to “Start”
4. Enter the CPF and click “Continue”
5. For those who do not have an account, the system will indicate the option to create one. click on it
6. The gold account is created for those who have a digital CNH or facial biometrics at the TSE (Superior Electoral Court)
7. Those who do not have a digital driver’s license or biometrics in the TSE will have a silver account, which must be created through accredited banks, in the bank’s application
8. Citizens who fail to create a Gov.br silver or gold account will respond to a questionnaire and will receive a bronze seal.

The bronze seal does not grant access to the system of amounts receivable from the Central Bank.

KNOW HOW TO ACHIEVE SILVER LEVEL ON GOV.BR BY CELL PHONE:

1. Go to the gov.br app
2. Click on “Enter with gov.br”
3. On the next screen, enter the CPF and go to “Continue”
4. Then enter the password and click “Login”
5. On the screen that reads “Authorization of use of personal data”, go to “Authorize”
6. In the blue frame above, click on “Upgrade Account Level”
7. To make your account silver, choose one of the options that the application offers; if you have a Denatran record, use facial biometrics; if it is a server, use data from Sigepe
8. Validation can also be done by registering with your bank on the internet.
9. Go where it says “Registration via internet banking” and choose your bank
10. The next steps will depend on each financial institution; it is possible to obtain validation by Banco do Brasil, Banrisul, Bradesco, Banco de Brasília, Caixa Econômica Federal, Sicoob and Santander

HOW TO ACHIEVE GOLD LEVEL IN THE APP

1. Go to the gov.br app
2. Click on “Enter with gov.br”
3. Enter the CPF and go to “Continue”
4. Then enter the password and click “Login”
5. In the blue frame, above, where your name is, go to “Increase level”
6. Then go to “Upgrade Account Level”
7. gov.br will ask for access to the cell phone camera, click “OK”
8. Guidelines for the photo will appear; click “Face recognition”
9. Frame your face and wait; the message “Face recognition performed successfully” will appear, go to “OK”
10. At the end of the procedure, the message “We have validated your photo in the Electoral Justice database. You have reached the highest level of security for your gov.br account!”

How do I know I’m not being the victim of a scam with receivables?

BC warns that the only site where you can consult and find out how to request the return of your values, your company or deceased persons is valuesareceber.bcb.gov.br and that all services on the portal are free. If someone offers and charges for consultation services, it is a scam.

The Central Bank also does not send links or contact you to deal with receivables or confirm data. Only the institution that appears in the system can contact the customer, but it cannot ask for passwords.

Do not access suspicious links sent by email, SMS, WhatsApp or Telegram.