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Receivables System (Sistema de Valores a Receber): how to check for and claim forgotten money in Brazil

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You may have forgotten money sitting in banks, consortium plans, or other financial institutions — and you can claim it back for free through the Receivables System (Sistema de Valores a Receber, SVR), run by the Central Bank of Brazil.

Por Redação CoinPrice · Published 15 de outubro de 2026 · 3 min read
Receivables System (Sistema de Valores a Receber): how to check for and claim forgotten money in Brazil

You may have forgotten money sitting in banks, consortium plans, or other financial institutions — and you can claim it back for free through the Receivables System (Sistema de Valores a Receber, SVR), run by the Central Bank of Brazil. The lookup is done with your CPF (tax ID) and date of birth on the official website, and repayment via Pix takes up to 12 business days. This guide explains how the system works, how to check, how to request the money, and how to protect yourself from scams.

What the Receivables System is

The Receivables System is a service where you can check whether you have forgotten or unexpected money at a bank, a consortium plan, or another financial institution and, if you do, see how to claim it (OBSERVED, official gov.br source).

The system shows forgotten money held at banks, consortium administrators, and other institutions, along with:

  • Value range: R$ 0 to 10.00; R$ 10.01 to 100.00; R$ 100.01 to 1,000.00; and above R$ 1,000.00;
  • The institution responsible for the amount;
  • Contact details for that institution.

Important: the system shows the value range, not the exact amount. The full list of value types covered by SVR rules is in the Central Bank's official FAQ — this article does not enumerate every category to avoid any risk of inaccuracy.

How to check and request the money back

The process is simple and free, but it has a few security requirements:

  1. Go to the official website: valoresareceber.bcb.gov.br.
  2. Enter your details: for individuals, CPF and date of birth; for companies, CNPJ and the company's founding date.
  3. To request the money back, you need:
    • A gov.br account at silver or gold level, with two-step verification enabled (for companies, with a linked digital certificate);
    • A registered Pix key.
  4. Wait for the deadline: repayment via Pix takes up to 12 business days.

A few points to keep in mind:

  • The 12-business-day deadline applies to repayment via Pix; without a Pix key, there is no mandatory deadline.
  • During traffic peaks, there may be a queue or virtual waiting room.
  • Amounts belonging to deceased persons and closed companies require direct contact with the institution, with no guaranteed deadline.

How to avoid scams

The SVR is a frequent target of scams. The safety rules are clear and come from official sources:

  • The only official website is valoresareceber.bcb.gov.br.
  • The service is completely free. Never make any kind of payment to "release" a claim.
  • The Central Bank does not send links or contact you to discuss receivables or confirm personal data.
  • The institution holding the amount may contact you only about the amount shown in the system — and it will never ask for your password.
  • Do not click on suspicious links received by email, SMS, WhatsApp, or Telegram.
  • No person or company is authorized to act as an intermediary in returning the money.

If anyone promises an "advance" or "fast release" of receivables in exchange for payment or personal data, it is a scam.

Common mistakes

  • Trusting messages with links: the Central Bank does not send links by message.
  • Paying fees: the service is free at every step.
  • Not having a Pix key or a silver/gold gov.br account: without these, the request cannot be made through the SVR.
  • Expecting the exact amount in the lookup: the system shows ranges, not exact values.

FAQ

Is the service paid? No. All Receivables System services are completely free.

How long does it take to receive the money? Up to 12 business days for repayment via Pix. Without a Pix key, there is no mandatory deadline.

Do I need a gov.br account? Yes, at silver or gold level, with two-step verification enabled.

Can I check for amounts belonging to deceased persons? The system allows you to look up receivables belonging to deceased persons, but claiming the money requires contacting the institution, with no guaranteed deadline.

I received a message with a "Receivables System" link. Is it legitimate? No. The Central Bank does not send links or make contact for this purpose. Use only the official website.

Conclusion

Checking the Receivables System is quick, free, and safe — as long as you use only the official website, have a silver/gold gov.br account with two-step verification, and a Pix key. Be wary of any contact asking for payment or your password. And if you do receive some money, a good next step is to put it toward bigger goals: learning how to start investing, building your emergency fund, or understanding how much R$ 1,000 earns in a CDB.

Disclaimer: The SVR is a free service from the Central Bank of Brazil; this article is educational and does not constitute an offer of financial services.
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