Yes you can have forgotten money in some bank. But with this in mind, the Central Bank of Brazil created the “Amounts Receivable” and you will be able to check if it really has any value that was forgotten at some point.
The Receivable Values System (SVR) offers an efficient and safe way to check for unclaimed amounts in financial institutions.
With easy access through the gov.br portal, anyone can check if there is any forgotten money linked to their CPF or CNPJ.
This system not only identifies forgotten money but also provides guidance on how to retrieve it for free, ensuring that you do not fall into traps or scams.
The need for a Pix key and two-factor authentication to access the system ensure that only the holder or their legal representative can consult and retrieve the amounts.
This transparent and safe process demonstrates the Central Bank's commitment to returning citizens to their rights.
Understanding how to access and use the Receivable Amounts System can be the first step to recovering amounts you didn't even know you had.
This article will guide you through the steps needed to verify and retrieve your forgotten money, from the necessary documentation to precautions to avoid fraud.
This way, you can potentially increase your savings without falling into traps.
Index:
What is the Receivable Value System and how does it work?
The Receivable Values System (SVR) is a platform developed by the Central Bank of Brazil that allows citizens to check whether they have unclaimed amounts in financial institutions, such as banks, consortiums, among others.
The objective of the system is to facilitate the recovery of forgotten money that may be linked to inactive accounts or old financial transactions.
To access the system, you must have an account on the gov.br portal, which must be at silver or gold level. This security measure ensures that only the account holder or their legal representatives can make the query.
Once logged in, the user can check if there are amounts to receive using their Pix key as a reference for redemption. For amounts above R$100,01, it is mandatory to use a second authentication factor, increasing the security of the operation.
The SVR displays detailed information on how to redeem the amounts.
If forgotten money is identified, the system offers guidance on the next steps, which include choosing a Pix key to transfer the amounts or, in some cases, direct contact with the financial institution to organize the return.
It is important to emphasize that the entire process is free and the Central Bank warns that citizens do not make any payments to access their values.
How to Access the Receivable Amounts System
Accessing the Receivables System is a simple process, but requires the user to follow some steps to ensure security and correct identification.
Here is a step-by-step guide on how to access the system and start checking for money forgotten in your name:
- Creation of the gov.br Account: Firstly, you need an account on the gov.br portal. If you don't have one yet, you can create one for free on the website gov.br. To use the Receivables System, your account must be validated at silver or gold levels, which offer greater levels of security and identity verification.
- System Login: With your gov.br account ready and at the appropriate level, access the portal Amounts Receivable. Here, you will need to enter your CPF and gov.br password.
- Security Authentication: For amounts greater than R$100,01, a second authentication factor is required. This process usually involves generating a temporary code through the gov.br application, which must be entered on the website to confirm your identity.
- Value Consultation: Once authenticated, you can check directly in the system if there are amounts to be received. If there are amounts associated with your CPF or CNPJ, the system will show details on how to proceed with the redemption of these amounts.
- Redemption Request: If forgotten money is found, you can request a ransom directly through the system. To do this, it is generally necessary to select a Pix key to transfer the amount or follow specific instructions for cases that require additional action, such as contacting the financial institution directly.
By following these steps, you can check and retrieve any forgotten funds safely and efficiently. Remember to keep your login information secure and never share your login details with third parties.
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Required Documentation
To use the Receivable Amounts System and redeem any identified amount, you will need some essential documents and information. Here's what you need to have on hand before starting the process:
- gov.br account: You need an account on the gov.br portal validated at silver or gold levels. This account ensures that your identification has been verified and provides an adequate level of security for financial transactions.
- CPF or CNPJ: The CPF is necessary for individuals, while companies will need the CNPJ. These numbers are essential to access any financial information listed in the system.
- Pix Key: The Pix key is necessary to receive the amounts redeemed through the system. If you don't already have a Pix key, you can easily register it with your preferred financial institution.
- Security Data for Two-Factor Authentication: For requests for amounts above R$100,01, a second authentication factor is required. This usually involves a temporary code generated by security apps or sent via SMS.
- Additional Personal Information: Depending on the case, you may be asked for additional information to confirm your identity or to complete the transfer process. This may include date of birth, mother's name, and contact details.
Fraud Prevention
When accessing the Receivable Amounts System, it is crucial to be attentive to avoid fraud and scams that attempt to exploit those seeking to recover forgotten amounts.
The Central Bank of Brazil provides clear guidelines to protect citizens during this process. Here are some essential precautions you should follow:
- Exclusive Access through the Official Website: The only official website to consult and request a refund is the valorareceber.bcb.gov.br. Avoid clicking on links received via email or text messages, as these may lead to fraudulent pages.
- Do Not Make Payments: All services related to the Receivable Values System are free. Any payment request to access your funds or to speed up the process is a clear sign of attempted fraud.
- Check Official Communication Channels: The Central Bank does not request personal data over the phone or through messages. If you receive any suspicious communication, check its authenticity by contacting the Central Bank's official channels directly.
- Personal Data Protection: Never share your password or security details with third parties. Keep your login information secure and change your passwords regularly.
- Be wary of Unsolicited Contacts: If a financial institution contacts you regarding receivables, confirm the identity of the agent and the legitimacy of the contact before providing any personal information. Legitimate institutions will never ask for your password or sensitive information through insecure channels.
By following these guidelines, you can protect yourself from fraud while securely verifying and claiming your receivables.
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Procedure for Redemption of Values
Once you have verified and confirmed the existence of receivables through the Receivables System, the next step is the redemption process.
This procedure is simple and safe, ensuring that the values return to their rightful owner. Here are the steps needed to complete the rescue:
- Confirmation of Values: After logging in and using the system to check for receivables, the system will show details about the specific amounts and clear instructions on how to proceed.
- Pix Key Selection: For most cases, you will be asked to select a Pix key to transfer the amount. Pix Key facilitates a quick and secure transfer directly to your account.
- Identity Verification: Depending on the amount and the financial institution involved, you may be required to provide additional information or go through an identity verification process. This step is crucial to ensure that the money is delivered to the correct holder.
- Redemption Request: You can then request the redemption of the amounts. This process is done entirely through the system, with step-by-step instructions provided by the Central Bank.
- Follow up: After requesting redemption, a protocol number will be provided. Keep this number as it may be necessary to monitor the transfer process or to resolve any issues that may arise.
- Receipt of Values: The time to receive the amounts may vary, but generally takes up to 12 business days after the request. The amounts can be transferred via TED to the account associated with the selected Pix key.
- Confirmation: Once the money is transferred, you will receive a confirmation that the funds have been deposited into your account. Check your bank statement to confirm receipt.
This procedure ensures that the redemption process is conducted efficiently and safely, minimizing the risk of fraud and ensuring that the money returns to the hands of those who really belong to it.
