Do you have money left in the bank? How to know if you have receivables

Deepak Gupta January 27, 2022
Updated 2022/01/27 at 10:30 PM

According to a survey carried out by the central bank as of June 2021, Brazilians have around R$8 billion held in banks in the country. These are amounts referring to balances of closed accounts, fees or charges that were improperly made, which customers may receive from these financial institutions.

To assist in this operation, the Central Bank made available a service that will allow you to check if there is any amount receivable from these banks.

What values ​​can be redeemed?

The service provided by the Central Bank is called Amounts Receivable Information System (SVR). By accessing the BC website, individuals or companies can check which values ​​can be redeemed.

Check below which situations the values ​​can be withheld and can be redeemed:

  • Closed deposit accounts with available balance;
  • Unsought appeals relating to terminated consortium groups;
  • Closed prepaid and postpaid payment accounts with available balance;
  • Registration accounts held by brokerages and securities and bonds closed with available balance;
  • Fees improperly charged;
  • Installments or obligations related to credit operations improperly charged;
  • Shares of capital and apportionment of net surplus of former members of credit unions;
  • Among other operations that the financial institution may recognize as subject to return.

Step by step to get your money back

If you fit into one of the situations mentioned above or think that there may be some value to receive, just follow our step-by-step guide to carry out the query:

  • access The Central Bank pagewith your CPF in hand.
  • Then, still inside the page, access My Financial Life and click on the subsection Amounts Receivablescroll to the bottom of the page, where you will find the Query the Amounts Receivable Report.
  • In the designated field, enter your CPF number, and press Start Consultation. The system will show you what is related to your name; not just at the bank where you currently have an account, but at all others as well. With this query you will know whether or not you have any value to receive.
  • If there is any amount to be redeemed, still within the site, you must access the registration and login.
  • logged in registrationtwo images may appear: Request Here and Request via Institution.
  • In request herethe bank adhered to the BC terms, in which the amount is returned via PIX within 12 business days. In case you don’t have PIXjust inform your personal data for the bank to contact you.
  • In Request via institutionthe bank has not adhered to the BC terms and you must contact the financial institution.

If you do not receive the amount within the stipulated period of 12 working days, you can file a claim through the platform itself or contact the bank in question.

The only problem is that the service is currently offline. Due to the high demand for access – caused by the launch of the SVR – the Central Bank website became unstable, hampering navigation on it. This happened last Monday night (24/01) and the service remains offline, with no return forecast.

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Source: central bank

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