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Provisional Measure 982, which provides for the expansion of the use of Digital savings Caixa, was approved by the Senate last Thursday 1st. According to the text, the account can be used to receive other social benefits from the government, except for social security.
The document also provides for the financial institution to issue a physical card to the user, which was not previously provided, and to make at least three Wire transfers (TED) per month for any bank. Also, the financial institution will not be able to charge fees to maintain the account.
Currently, the digital savings, which are accessed through the Caixa Tem application, are used to receive emergency assistance and the Severance Compensation Fund (FGTS), an emergency modality. The tool was created to facilitate access to resources during the new coronavirus pandemic, and thus avoid agglomerations in the branches.
However, if the deputy is sanctioned by President Jair Bolsonaro, the account can also be used to receive other benefits, such as salary credit – provided that the citizen authorizes the opening of social savings or the use of another account that already exists in his name.
Check the main points of the MP
According to the text, the digital savings bank:
- You will be able to receive credits for retirements of workers holding accounts linked to the FGTS and deposits resulting from the payment of social benefits by the Union, the States, the Federal District and the Municipalities, excluding social security benefits;
- comply with the legal and regulatory provisions applicable to savings deposit accounts;
- it will have a total monthly movement limit of up to R $ 5,000, including total deposits and withdrawals in this amount;
- will dispense with the presentation of documents of the holders who have been previously registered by the financial institution, the operating operator or the responsible public body;
- It will be exempt from charging maintenance fees, subject to the specific regulations issued by the National Monetary Council;
- make available, at least, three electronic transfers of securities per month, free of charge, to a bank account in a financial institution authorized to operate by the Central Bank of Brazil;
- it will admit the digital signature of contracts and declarations, in compliance with Law nº 11,419, of December 19, 2006, and its regulations;
- It can be used to pay bank receipts and accounts of associated institutions and for other types of transactions, as provided in the regulations of the Central Bank of Brazil;
Also read: Caixa Tem must offer a loan option of R $ 100, R $ 200 and R $ 300
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