Receivables: heir needs silver or gold account to withdraw money

The heirs of taxpayers who have amounts receivable at the Central Bank will need a gov.br account with a silver or gold level to withdraw money forgotten in banks and financial institutions. The transfer began to be released on Monday (7) and runs until the 25th of this month, according to the account holder’s year of birth.

According to the Central Bank, information on additional procedures for the transfer of amounts receivable by legally authorized third parties will be released shortly.

The list of those who will benefit at this stage include, in addition to the heirs, attorneys, guardians, administrators and those responsible for non-emancipated minors.

The money transfer must be made by Pix and the amount will be deposited in any account in Brazil with a Pix key registered in the banking system. “If the citizen does not want this option, the form of transfer must be agreed between the parties”, says the Central Bank.

The system itself will provide the contact data with the financial institution where the values ​​are. In order to have access to the money, however, the heir or authorized legal representative must present the documents that prove the right to the values.

It has not yet been detailed how the documents will be presented to the banks. Among the documents that must be presented by the heirs are the inventory, which contains the people indicated as legal representatives of the values, in addition to the death certificate. Financial institutions may also request other documents, according to each case.

In addition, the amount will only be released in the event that the heir or third party authorized by law has a silver or gold level gov.br account in their name and CPF.

“Login with the silver or gold key is the requirement for citizen identification. The resource can only be transferred to the beneficiary’s own account”, says the Central Bank.

Query shows values, but there is still no way to withdraw

The heir who consults the amounts receivable from the Central Bank can find out if there is money in the CPF of the person who died. Just inform, in addition to the document number, the date of birth. In the case of companies that closed, it is necessary to inform the CNPJ and the opening date.

In this query, made on the website valorareceber.bcb.gov.br, the system even shows the date and time when the redemption must be made, but the transfer is still not possible. For it to occur, there must be an update by the monetary authority, which has not yet occurred.

In a note, the Central Bank states that it “will soon disclose information on additional procedures to be adopted by legally authorized third parties (attorney, guardian, curator, heir, administrator or person responsible for a non-emancipated minor)”.

While awaiting authorization from the agency, consumers who have the right to withdraw money from those who died or for any of the reasons listed by the Central Bank must separate the documentation. In addition, it is recommended that you migrate your gov.br account to silver or gold, if you have not already done so.

SEE HOW TO GET GOLD LEVEL ON GOV.BR ON PHONE:

To have a gold account, the change can also be made on the website or application, but the path is easier using the cell phone application, since the smartphone camera can perform facial recognition quickly, according to a test carried out by the report of sheet.

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

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

1. Access the gov.br app
2. Click on “Sign in with gov.br”
3. On the next screen, enter the CPF and click “Continue”
4. Then enter the password and click “Sign in”
5. On the screen that reads “Personal data use authorization”, go to “Authorize”
6. In the blue frame above, click “Increase Account Level”
7. To make your account silver, choose one of the options that the app offers; if you are registered with Denatran, 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 “Register 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

Money is paid in batches

Forgotten amounts will be paid in batches. The first release phase started on the 7th and runs until March 25th. There are also recap dates for those who miss the scheduled date, always on Saturdays. The 26th is the last Saturday of the recap. Then there will be another chance on March 28. Then there will be a second batch of releases. Consultations will begin on May 2.

In all, R$ 4 billion will be released in this first phase for a total of 28 million people and companies. The citizen who receives in the first batch can also have money in the second (or in other batches), since the amounts are released for different reasons.

The easiest way to receive the money is by Pix, but there are also other redemption options, which must be arranged by email with the financial institution. The payment term is up to 12 business days, but it may take longer if some other way is defined with the bank.

See the phase one release schedule

On these dates, those who have money to receive will know how much they can withdraw

WHAT WILL BE RETURNED IN THE FIRST PHASE OF PAYMENTS

• Money from checking or savings accounts that have been closed with the balance still available
• Fees and installments improperly charged whose return was already provided for in a term of commitment signed with the BC
• Money from closed consortia
• Quotas and surpluses of those who participated in credit unions

WHAT WILL BE RETURNED IN THE SECOND PHASE OF PAYMENTS

• Amounts referring to balances of closed accounts
• Fees, installments or payments in credit operations not provided for in a term signed with the BC, which includes money unduly deducted from the payroll loan of INSS retirees
• Money left in failed institutions
• Amounts left in prepaid or postpaid accounts that were closed with available balance
• Payments in cases of accounts held at brokerages and securities dealers to register clients’ financial assets; and in cases of double tariff collections