In September this year, Brazilians withdrew R$455.68 million in amounts forgotten in the financial system, according to data released this Tuesday (11) by the Central Bank (BC). In total, the Receivable Values System (SVR) has already returned R$12.22 billion to bank customers, but there is still R$9.73 billion available for withdrawal.
The SRV is a BC service in which citizens can check whether they, their company or deceased person have money forgotten in a bank, consortium or other institution, such as finance companies and brokers.
To consult, there is no need to log in ─ just enter the Individual Taxpayer Registry (CPF) and date of birth of the citizen or the Legal Entity Registry (CNPJ) and the date the company was opened, including for closed companies.
If the result is positive, you must access the system to check how much money you have to receive, the origin of this amount, the institution that must make the return and its contact details and other additional information. To achieve this, there is a need to login with the Gov.br account – at silver or gold levels and with two-step verification enabled.
Rescue
The money can be redeemed in three ways: the first is to contact the institution responsible for the amount directly and request receipt; the second is to make the request through the Receivable Values System itself.
In May this year, the Central Bank launched a new feature in the system: automatic request for redemption of values. With it, the citizen will not need to consult the system periodically or manually register the request for each amount that exists in their name.
If any resource is made available by financial institutions, the credit will be made directly to the citizen’s account. The automatic redemption request is exclusive to individuals and is only available to those with a CPF type Pix key. Subscription to the service is optional.
Beneficiaries
The origins of forgotten values are:
- Closed checking or savings accounts
- Capital quotas and apportionment of net surpluses of former credit union participants
- Unsought Resources of Terminated Consortium Groups
- Fees charged incorrectly
- Installments or expenses of credit operations charged unduly
- Prepaid or postpaid payment accounts closed
- Registry accounts maintained by brokers and dealers closed
- Other resources available at institutions for returns
The SVR statistics are released by the BC with a two-month lag, with the update of new sources of forgotten values in the financial system.
In relation to the number of beneficiaries, by the end of September, 34,286,689 account holders had redeemed amounts, of which 30,926,111 were individuals and 3,360,578 legal entities. On the other hand, 53,374,323 beneficiaries have not yet withdrawn their resources. Of these, 48,639,667 are individuals and 4,734,656 legal entities
Most people and businesses are entitled to small amounts. Amounts receivable of up to R$10 account for 64.63% of beneficiaries. Values between R$10.01 and R$100 correspond to 23.84% of account holders. Amounts between R$100.01 and R$1,000 represent 9.72% of customers. Only 1.81% are entitled to receive more than R$1,000.
Scams
The Central Bank warns account holders to be careful with fraudster scams who claim to act as intermediaries for supposed rescues of forgotten values. The BC emphasizes that all Receivable Values System services are completely free, and that it does not send links, nor does it make contact to discuss receivable values or to confirm personal data.
The authority also asks that no one provide passwords and clarifies that no one is authorized to make this type of request.
