Many Brazilians have unclaimed funds in banks, consortia, and other financial institutions, which can be accessed and recovered through the Central Bank's Values Receivable System (SVR). The process for checking if there is any forgotten money is simple and can be done for free online, providing quick access to the funds waiting for their owners.
The Central Bank provides an official platform where individuals, legal entities, and even deceased persons can check if they have any funds to receive. Furthermore, the system offers clear guidance on how to request the return of these funds, ensuring security throughout the entire process.
This is a practical opportunity for those who wish to recover money that they often don't know they have available. Therefore, understanding how to access this system becomes essential to avoid leaving forgotten resources unused.
What is forgotten money in banks and who is entitled to it?
Forgotten money refers to funds held in financial institutions that have not been claimed by their owners. These funds may be in inactive accounts, consortiums, brokerage firms, and other types of investments. Individuals and companies may be entitled to recover these amounts upon request and consultation.
Main origins of forgotten values
The forgotten values usually come from inactive bank accounts with available balance, closed without full withdrawal. They also include features of improperly charged fines and unused consignmentsValues in joint accountsAccounts that have not been moved fall into this category, as do balances in closed consortia and credit unions On sale.
Furthermore, amounts withheld in failed financial institutions And these funds may be available at brokerage firms that have ceased operations. Brazilian legislation and the Central Bank of Brazil organize these funds so that account holders can recover up to billions of reais that have not been withdrawn.
Types of account holders eligible for redemption.
Forgotten money can be recovered by individuals and legal entities Those who have had any financial relationship with the institution. Account holders, joint account holders, or heirs (in the case of deceased individuals) can inquire about and request a refund of the amounts.
In the case of deceased individuals, the redemption is carried out by their legal heirs. Companies can also recover funds in closed accounts or investments. There is a deadline for requesting these funds, although in some situations it may be extended or reviewed individually by the Central Bank.
Participating financial institutions
The Accounts Receivable System includes commercial banks, multiple banks, credit unions, securities brokers, finance companies, and leasing companies. The Central Bank oversees the inclusion and updating of accounts receivable data.
In addition to these, the system covers institutions that operated with consortia, which may eventually have forgotten remaining balances. All available amounts must be registered and available for consultation on the Central Bank's official platform, ensuring secure recovery.
Differences between individuals and legal entities.
Individuals can hold funds in individual or joint accounts, and the withdrawal process may involve documents such as a CPF (Brazilian taxpayer ID) and RG (Brazilian national ID). legal entitiesThe process requires official company documents, such as a CNPJ (Brazilian tax ID) and proof of legal representation.
Another difference is that companies can accumulate receivables from various accounts or investments, potentially resulting in larger amounts. Individuals, on the other hand, generally deal with smaller, more dispersed balances. Both groups have specific deadlines and procedures stipulated by the Central Bank, respecting rules to facilitate the recovery of these funds.
Step-by-step: How to check for forgotten money at the Central Bank
To retrieve forgotten balances, it's essential to understand where to access the correct system, what documents will be required, and the differences between the types of queries. It's also important to take security precautions to avoid fraud when providing personal data.
Accessing the Accounts Receivable System (SVR)
The Central Bank provides the Accounts Receivable System (SVR) for online consultation. Access must be made through the Central Bank's official website or at valoresareceber.bcb.gov.br, ensuring secure operation.
The system allows for quick and centralized retrieval of forgotten values. Upon entering the SVR, the user can search for values linked to CPF numbers (Brazilian individual taxpayer registration numbers), CNPJ numbers (Brazilian company taxpayer registration numbers), or deceased persons. The interface is intuitive and offers the option to create a registration, optimizing future searches.
Documents and data required for the consultation.
To check the amounts to be received, it is essential to have documents on hand that confirm your identity. Individuals must provide their CPF (Brazilian taxpayer ID) and personal information, such as full name and date of birth.
Companies need to use the company's CNPJ (Brazilian tax ID) and registration information. If the query is for deceased individuals, documents from the deceased and their legal representative are required. Using gov.br for authentication offers a secure method to validate identity.
Price quotes for individuals and businesses.
The SVR allows for differentiated searches: individuals, legal entities, and even deceased individuals. In an individual search, simply provide the CPF (Brazilian tax identification number) and follow the indicated steps to find forgotten assets linked to inactive accounts or investments.
For businesses, it is necessary to provide the CNPJ (Brazilian company tax ID) and authorize the consultation according to the system's rules. In the case of deceased individuals, the responsible party must provide documentary proof of relationship to access financial data. The system displays the amounts available for withdrawal and provides guidance on redemption procedures.
Security and fraud prevention measures
When checking values, users should ensure they are on the official Central Bank website to avoid scams. Personal data, such as CPF (Brazilian taxpayer ID) and gov.br password, should never be provided on unauthorized websites or applications.
It is recommended to use secure and private connections, avoiding public networks. The Central Bank never charges fees for consultation or redemption. If you receive messages requesting payments or bank details, you should be suspicious and report them. Data protection is essential to prevent fraud in the redemption process.
How to request a refund of amounts due.
To recover money forgotten in banks, it's essential to understand the available methods for returning the money, the ways to receive it, and the security requirements. The process varies between automatic and manual withdrawals, includes the option of using a Pix key, requires registration for a Gov.br account with enhanced verification, and has specific rules for heirs.
Manual and automatic rescue process
The system allows for two main ways to request a refund of amounts due. automatic rescueValues below R$ 10 are sent directly to the linked account, without requiring any user action. However, manual rescue requires the account holder to submit the request through the Central Bank's Values Receivable System (SVR).
In manual mode, the user accesses the portal, verifies the availability of the funds, and fills out an electronic form for redemption. After confirmation, the funds are transferred to the specified account. This process is mainly used for larger amounts or when the account is not linked.
Using the Pix key for refunds
Refunds via Pix are the recommended method for receiving redeemed funds. The user can choose to provide a... Pix keyYou can provide your CPF (Brazilian tax ID), email, cell phone number, or a random code during the request. This allows for a fast, secure, and free transfer.
If the user does not provide a Pix key, the amount is sent to the checking or savings account provided at the time of the request. Using Pix speeds up the process and minimizes errors in account identification, making it easier to receive payments.
Gov.br account requirements, two-step verification, and security.
To access the SVR and request a refund, the user must have an active account on the portal. Gov.br, with a silver or gold level profile to ensure trust. The account must have the following activated: two-step verificationwhich enhances access security.
Furthermore, the Central Bank requires that the applicant agree to the terms of responsibilityconfirming ownership of the funds and providing accurate information. These measures prevent fraud and ensure that the money is returned to its rightful owner.
Redemption by heirs and legal representatives
When the account holder is deceased, the redemption must be made by... heirs or legal representatives. It is necessary to present documentation proving legitimacy, such as a death certificate and inventory documents or power of attorney.
The process may require registering the legal representative's Pix key or bank account in the system, in addition to manually submitting the request through the portal. This procedure aims to ensure that the money is correctly allocated to the authorized heirs.
Highlights and useful information about the system.
The Accounts Receivable System (SVR) offers a direct way for individuals and companies to check and recover forgotten funds in various financial institutions. It provides up-to-date data and facilitates the consultation of amounts, while also providing guidance on important precautions when retrieving the money.
SVR's key differentiators for the consumer
The SVR, developed by the Central Bank, centralizes information on amounts receivable from various financial institutions, such as banks and consortia. It serves individuals, including the deceased, and companies, allowing for a single, free online consultation.
In addition to its ease of use, the system stands out for being official and secure, preventing common scams related to forgotten money. To speed up the process, there is the option to link a Pix key to your CPF (Brazilian tax identification number), which makes retrieval faster. Those who prefer can follow manual channels, ensuring accessibility for all profiles.
Points of concern regarding unofficial institutions and channels.
It is essential that users only access the official Central Bank website to check for forgotten balances. Scammers exploit this demand with false promises and charges. The SVR (Unrecoverable Balance Service) is free, and there should be no intermediaries or payments for retrieval.
It is also advisable to confirm personal data and check if the institution where the money is held actually exists. The Central Bank emphasizes that third parties cannot act on behalf of the consumer in the system, thus preventing fraud and financial losses.
Statistics and values available for receipt
As of November 2025, the SVR indicated approximately R$ 9.7 billion to R$ 10.6 billion available for recovery. These amounts are spread among millions of Brazilians and companies. Most individual amounts are small, generally between R$ 0.01 and R$ 10.
This high volume demonstrates that many assets remain idle, awaiting redemption. The SVR is updated regularly, offering transparency and control for account holders who wish to recover these assets quickly.
Frequently Asked Questions
Checking for forgotten money in banks requires attention to some specific steps, such as using the official website and preparing personal documents. It is also important to consider withdrawal deadlines and any potential costs.
What are the steps to check for outstanding balances in inactive bank accounts?
The first step is to access the Central Bank's Accounts Receivable System. Then, you must enter your CPF (Brazilian individual taxpayer registration number) or CNPJ (Brazilian company taxpayer registration number) for the query. The system shows if there are any outstanding balances in banks, consortia, or financial institutions.
What is the official website for checking forgotten balances at financial institutions?
The inquiry must be made exclusively on the Central Bank of Brazil's website, through the official address that provides the Accounts Receivable System. This ensures security and prevents scams.
Is any specific document required to check for forgotten money in banks?
For the initial inquiry, it is sufficient to provide your CPF (Brazilian individual taxpayer registration number) or CNPJ (Brazilian company taxpayer registration number). For withdrawals, you will usually be asked for an official identity document and, in some cases, additional documents proving account ownership.
Are there deadlines for withdrawing money forgotten in bank accounts?
Yes, the Central Bank sets deadlines for requesting the refund. Failure to meet these deadlines may result in the loss of monetary correction or the transfer of the amount to government funds.
How can I find out if I have any unused funds in bank accounts that have already been closed?
The Accounts Receivable system includes information on closed accounts, provided that the funds have not been withdrawn. The query updates available balances regardless of the account's status.
Are there any fees or costs involved in the process of retrieving forgotten valuables from banking institutions?
No, the redemption is completely free. The Central Bank does not charge any fees for inquiries or withdrawals of funds to be received, whether for individuals or legal entities.
