How to find out if you have amounts receivable from Brazilian banks

Did you know that you could have money left behind in banks and not even realize it? Amounts from closed accounts with balances, improperly charged fees, consortium shares, and amounts owed to companies or even deceased individuals are just a few examples. According to the Central Bank's (BACEN) System of Receivables (SVR), there are approximately R$ 10 billion available for rescue. Of this total, R$7,5 billion belongs to 43,9 million individuals, and R$2,5 billion to 4,2 million companies. See the step-by-step guide on how to check and redeem these amounts:

Why might there be money of yours forgotten in banks?

There are several reasons why someone might have money left behind in banks. The most common situation involves closed checking or savings accounts with a remaining balance that hasn't been withdrawn. It's also common for financial institutions to charge undue fees, acknowledge the error, and refund the amount without the customer noticing. Furthermore, contracted and unused services, such as insurance or banking packages, can generate unclaimed credits. These amounts remain unclaimed until someone requests them.

In the case of deceased individuals, it is common for them to leave active bank accounts, consortium shares, financial investments, or even amounts related to refunds for fees and services, without their family members' knowledge. Since these funds are not automatically transferred to heirs, they remain registered in the deceased's name. Many families only discover the existence of these funds years later, when seeking information about the assets left behind or when formally inquiring about the deceased's data with financial institutions.

Companies are also prone to leaving money forgotten in financial institutions. This can occur when accounts with residual balances are closed, bank fee refunds are returned, foreign exchange transaction credits are received, partial investment withdrawals are made, or consortium funds are not withdrawn. In companies that have undergone administrative changes or have decentralized accounting, it is common for some of these funds to go unidentified and end up inactive.

In all these cases, whether involving an individual, deceased, or legal entity, the omission generally occurs due to a lack of detailed financial control, a lack of communication from institutions, or changes in ownership, such as death or a change of CNPJ (Brazilian Registry of Legal Entities). These amounts, although often small, belong to the owners or their heirs and can be recovered as soon as they are identified.

BACEN's Receivables System (SVR)

O Values ​​Receivable System (SVR) is a platform created by Central Bank of Brazil (BACEN)) to allow individuals and legal entities to consult and request the return of forgotten or unclaimed amounts from financial institutions. These amounts may include closed bank accounts with available balance, undue charges, unclaimed consortium shares, among other resources held by banks and other financial institutions.

To access SVR, you must have an account on the portal gov.br with level talk ou gold. The query is made on the system's official website and, after informing the CPF ou Tax ID and birth date or opening of the company, the user is informed if there are funds available. If there are funds to receive, the system will indicate the amount and provide instructions for requesting the withdrawal, which can be done via Pix or through another channel informed by the financial institution.

The request process varies depending on the available amount and the responsible institution. In some cases, the withdrawal can be made directly through the website; in others, you will need to contact the bank or entity indicated. The Central Bank acts only as an intermediary for the information and is not responsible for payment. The SVR is a service safe, free and can be consulted as many times as necessary.

Step by step guide to checking and requesting your values

See below for step-by-step instructions on how to recover forgotten funds from Brazilian banks:

Step 1: Access the Central Bank website

Access the official website System of Receivables (SVR)) and click on “Login".

Step 2: Get a Gov.br account

To proceed, you must have an account on the portal gov.br. This account is free and can be created with CPF and some personal data (Click here and see our article on how to create your account on the Gov portal).

Step 3: Enable two-step verification

To ensure your security, it is mandatory to activate two-step verification on your account. gov.br. You can do this in the application itself, by accessing the tab account security of your account.

Then just click on 2-step verification to activate the feature.

Step 4: Log in with your Gov.br account

Now, go back to the access portal of Values ​​Receivable System (SVR) and click again on “Login” and log in using your account gov.br with two-step verification already enabled.

Step 5: Choose one of the query options

Already on the portal BACEN, click in "Amounts receivable".

You can then choose from one of these query options:

• Check values in your name
• Check values of deceased person
• Check company values (CNPJ)

Step 6: Accept the disclaimer

When choosing one of the options, you will have to read and accept the terms of responsibility in order to view the data.

Step 7: Check if there are any amounts to receive

The system will then inform you whether or not there are any forgotten amounts at financial institutions. If there are, you'll see details of the source and amount.

Step 8: Request redemption of funds

Follow the on-screen instructions to request a refund. In some cases, you'll need to provide a Pix key. After submitting the request, you can generate and save proof of the transaction.

I already knew about this resource provided by BACEN? Tell us in the comments and be sure to share the post with your friends and follow our website to stay up to date with other news like this and from the world of technology.

See also:

Source: central bank.

reviewed by Gabriel Princessval in 12 / 07 / 2025