Amounts receivable: what to do if the bank has not registered? – 03/08/2023 – Market

Individuals and legal entities with amounts receivable from an institution that has not adhered to the SVR (Values ​​Receivable System) of the Central Bank will have to request the money directly from the bank or financial institution.

According to the BC, of ​​the total of 1,060 institutions that informed values ​​to the SVR, 640 of them signed the “Adhesion Term”. The rest, no. Most of those who did not sign the document are smaller entities, which claim that it is impossible to adapt the systems to make the return directly to the customer’s account.

The release of forgotten money started this Tuesday (7), at 10 am. On the first day, from 10:00 am to 5:30 pm, 1.6 million people were assisted who were able to redeem R$ 62.1 million. In all, there are R$ 6 billion destined to 40.9 million individuals and companies.

When accessing the website valorareceber.bcb.gov.br to redeem the money, the citizen will find out if the debtor institution allows the request of values ​​by Pix, DOC or TED, otherwise, he will have to get in touch and arrange a means to receive.

Information about the bank or financial will be in the system, such as telephone and email. In some cases, it will be necessary to go to the agency. The payment method is not defined by the Central Bank, but by the paying institution.

Febraban (Brazilian Federation of Banks) states that it issued notices to its members “reinforcing the guidelines for participation and operationalization of the system”, and only institutions that identified the lack of amounts to be returned were left out of the system.

For Cíntia Sena, financial educator at Dsop, the citizen who has a value to be received from a bank or institution that has not signed the adhesion term must do the math to find out if it is worth redeeming. For this, she will need to get in touch and combine the payment method.

“All money is valid and always welcome, but if accessing it is going to cost more than the amount I’m going to receive, I need to think carefully. If you can do it online, it’s a good way. If you have to go to an agency, which does not facilitate, has to be evaluated: the amount that I will receive versus the cost that I will have to receive this amount?”

For her, the federal initiative led by the Central Bank to bring to light this receivable balance is commendable, even if most Brazilians have amounts up to R$ 10.

“An institution that did not accept this registration at the Central Bank is because it already has a certain difficulty in making transactions, it is not that it is denying payment, but it has difficulty in paying.”

How to redeem receivables

• Go to valuesareceber.bcb.gov.br
• Click “Accounts Receivable System (SVR)”
• Enter CPF, date of birth and go to “Consult”
• Click “Access the SVR”
• You will enter a queue; wait (those who leave the queue lose their turn)
• The system will notify you that it is your turn; there are 30 minutes to request the values. Click “Access SVR”
• Provide the requested data. If it is possible to receive via Pix, the system will inform
• Otherwise, write down the contact details of the paying institution and arrange a way to access the money.

HOW WILL THE FORGOTTEN MONEY BE PAID

Financial institutions will have up to 12 business days to return the amounts if the citizen has a Pix key and requests the amounts through this option. Anyone applying directly to the bank or finance company may have to wait longer, because, in this case, there is no deadline of 12 working days.

If you prefer, you can create a Pix key and then go back to the receivables system to make the deposit request. Even if you indicated the Pix key, the institution can return the amount by TED or DOC to the selected Pix key account.

What to do if the institution has not signed the “Term of Adhesion”

Access the Central Bank system to check if there are amounts to be received. In the system, inform the requested data to know the amount and which will be the paying institution. If she is not part of the list of places that allow redemption by Pix, DOC or TED, write down the data.

Make contact by email or telephone, as it appears in the Central Bank system and agree on how to access the amounts. If you feel aggrieved, you can file a complaint on the Central Bank website.