How to check balances and register values in accounts

Find out how check balance due and recover values that you may have accumulated in old accounts, FGTS and consols.

Consulting these values is a way to ensure that no resource is left behind, guaranteeing rights and strengthening your budget.

Continue reading to learn how to recover what is yours in a simple and safe way!

Why Consult Esquecido Balance

Checking your balance may be the key to recover values that you did not know you had, but that can make a big difference in your budget.

Many of these resources come from inactive bank accounts, credit card repayments, or even leftovers from consortiums.

Restoring these values is a right guaranteed by law and can be done simply and free of charge.

In addition, checking your balance regularly ensures that you maintain control over your finances and avoid missing important payments.

If the securities are not redeemed within the deadline, they may be collected by the National Treasury, but are still available for redemption for an additional period.

Therefore, performing this consultation is more than an opportunity to recover money, it is a way to ensure that all your rights are exercised.

The government offers accessible tools to facilitate this process, and anyone can check if they have values to receive, in a few minutes, with access to the internet.

Step by Step to Consult Balance Drained and Resgatar

Checking and recovering the balance is a quick and easy process, as long as the correct steps are followed.

Below, we summarize each stage of the process:

• Step 1: Access the official site of the Central Bank.
• Step 2: Log in to your gov.br account.
• Step 3: Consult the values available for restocking.
• Step 4: Ask for a refund of two values.

Step 1 - Access the Central Bank's Official Site

The first step to consult the balance is to access the official site of the Central Bankthat it is valoresareceber.bcb.gov.br.

This is the only site authorized to provide information on securities forfeited, and it is essential to avoid clicking on links sent by unknown messages or e-mails, in order to avoid fraud.

Using the official site is the safest way to guarantee that you will not be a victim of fraud and that you will have access to correct information.

When accessing, choose a secure network, such as your home network, and avoid using public networks, such as those in cafes or shopping malls.

Step 2 - Login to your account gov.br

After accessing the Central Bank's website, the next step is to make the login to your gov.br account.

This account is essential to ensure that only the owner has access to the values selected and that data security is maintained.

The gov.br account must be at the security level. prata ou ouro so that the system can verify the identity of the holder.

If your gov.br account is still in bronze level, you will need to update it.

This can be done quickly, by validation with a partner bank (such as Banco do Brasil or Caixa) or by facial recognition in the gov.br application itself.

Keeping this account up to date also facilitates access to other government services.

Step 3 - Consult the Available Values for Resgate

After logging in to your gov.br account, you will be directed to the consultation page.

At this stage, it is possible to verify if there are values to receive, what is the available amount and what is the institution responsible for the money.

This information may include banks, cooperatives or consortium administrators.

In addition to the available value, the system will also inform the origin of the resource.

It can be the remaining balance of inactive accounts, refunds of bank fees or even leftovers from unused consorts.

This consultation is free and simple, and in a few seconds you will be able to see if there is something to receive.

Step 4 - Request or Restatement of Values

If the system shows that you have values to receive, the next step is to make a resgate request.

If the financial institution offers the option of restocking for Pixto select this option, choose a Pix key, and then click on 12 working days the value will be available in the informed account.

If the Pix is not available, you can contact the financial institution directly to find the best way to pay it back, such as TED ou DOC.

The system will provide all the necessary contact information, such as e-mail and telephone, to facilitate the process.

Deadline to Recover Stolen Money

The deadline for recovering the forfeited money is established by Ministry of Agriculture and, generally, it begins to count from the publication of an edital informing the available values.

The holders have an initial period of 30 days to recover these resources directly with the financial institution.

After this initial term, there is an additional period of six months in which the holder may enter with a ação judicial to claim the value, if it has not been recovered within the above period.

This ensures that no one loses the right to their resources due to technical difficulties or lack of information.

Finally, even though the values are collected by the Tesouro Nationalthe holder still retains the right to redeem the balance for a period of up to 25 years.

This means that, even after collection, it is possible to request the value at any time, guaranteeing that the right to the money is not lost.

Do I need to check my balance?

Checking the balance is a recommended attitude for any person, because there is a great chance that there are accumulated values that were left behind at some point.

These resources may come from closed accounts, old credit cards or returns that were not noticed.

Even if you are not aware that you have accumulated values, consult the Securities Receivable System (SVR) may reveal surprises.

In the end, it is common for us to forget residual balances from accounts that were locked up years ago, or even from consortiums and cooperatives that we are no longer a part of.

Money Expended in Inactive Accounts

It is very easy to accumulate values in inactive accounts, especially if you have already changed banks or have had more than one account over the years.

This money does not disappear, it is retained and can be consulted through the SVR.

In addition, old accounts may have returned fees or values that you did not know you were entitled to.

Even if the value is small, it is the holder's right to redeem it, and any additional recourse may be useful, especially in times of financial need.

Return of Letters and Consoles

Older credit cards are also a common source of scarce cash.

Unreturned cashback or purchase returns may be withheld, without the holder's knowledge.

The SVR query also verifies this information and shows if there is anything to receive.

Consortiums and cooperatives are also examples of where values can be eschewed.

If you withdrew from a consortium or were contemplated and did not use all the value, there is a good chance that there are accumulated resources waiting to be recovered.

Where can I check my balance?

The balance of the balance can be consulted in different institutions and platforms, depending on the origin of the securities.

Below, we will explain the main forms of consultation.

Consult Balance Drained at the Central Bank

O Central Bank is responsible for Receivable Value Systemwhich concentrates information on securities held in different financial institutions.

The consultation can be done quickly and securely through the official site, by logging in with the gov.br account.

The platform is constantly updated, and new values can be registered as financial institutions report to the Central Bank.

For this reason, it is recommended to consult regularly.

The site also offers detailed information on the origin of the securities, the institution responsible and instructions for redemption, ensuring that the holder can access his or her resources without complications.

Consult Escrow Balance FGTS

The balance of the FGTS can be consulted through the official FGTS application, available for Android and iOS.

Many workers have inactive FGTS accounts that accumulate values over the years, mainly in cases of job change.

These values belong to the employee and may be withdrawn in specific situations, such as depository, acquisition of property or termination of contract without just cause.

Regular balance inquiries ensure that you do not lose access to the money to which you are entitled.

The government has also recently launched new rules for extraordinary withdrawals from the FGTS, allowing workers to have access to inative securities in times of crisis, as a way to help with family budgeting.

Check Non-Serasa Escrow Balance

O Serasa also has a service that helps people to verify if they have missing values.

The consultation is made through Serasa's official website, and may include values related to banks, cooperatives, and even rate refunds.

Serasa offers an easy-to-use dashboard where you can check different types of available resources.

In addition, they provide tips on how to improve financial organization and avoid the accumulation of missing values.

This service is especially useful for those who want to have an overview of their finances and verify if there are outstanding debts or values to be rescued in different financial sources.

Consult Balance Drained in Banks

Each bank may also have its own ways to check the balance.

For example, banks such as Caixa, Banco do Brasil, Itaú, e Bradesco allow your customers to verify if there are accumulated balances in inactive accounts directly through the application or through internet banking.

Many times, the missing balance is related to accounts that were not properly closed, and the bank keeps the accumulated value until the account holder makes the request.

Checking directly with the bank is a quick way to know if there is something to receive.

In addition, some banks participate in the SVR, so consulting the Central Bank's system may be a way to find securities seized from several institutions at the same time, in a centralized manner.

Tive Meu Dinheiro Recolhido, e Agora?

Caso o seu dinheiro tenha sido recolhido pelo Tesouro National for lack of repayment within the stipulated period, you still have the right to claim it.

These values remain available for as long as 25 yearsand the holder may request a refund at any time within this period.

The first step is to access the Receivable Value System to verify the status of the collected values.

If it is confirmed that the value has been transferred to the Treasury, you will need to enter with a ação judicial to require the money.

Although the judicial process may take longer, it ensures that the holder does not lose the right to the money.

This measure aims to protect the citizen and guarantee that the resource can be used, even after years of depletion.

Tips and Suggestions

Checking balances should become a habit, since values can be added to the system at any time.

Fazer essa consulta uma vez ao ano é uma boa maneira de garantir que nenhum recurso seja deixado para trás.

Maintain a good financial organization is essential to avoid avoiding the avoidance of values.

Register your bank accounts, credit cards, consórcios and other financial products, and regularly follow the movements.

O use of banking applications can facilitate the tracking of balances, as well as help you to identify uncollected fees, unredeemed cashback and accumulated values that you may have missed.

Finally, take advantage of all the tools available from the government and financial institutions to ensure that your money is always under your control.

These values belong to you and can be an important reinforcement in your budget.

Don't stop consulting and resgatar!