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So Paulo, 02 – A new National Monetary Council (NMC) rule that began on Sunday, July 1, allows workers to transfer the payment of the salary account not only to the accounts of other banks, but also to the accounts of financial startups, or fintech, and other non-bank companies. For specialists, the measure approved in February opens a range of services, tariffs and companies available to the employee, since the salary account has a number of restrictions.
This type of account does not have any fees, it is in the bank of his choice by the employer, he can make deposits.
Before the new rule, in order to avoid these obstacles when it comes to managing the money itself, the worker should go to the bank chosen by the employer to transfer the payment to a current account, also managed by a bank and subject to fees.
Now he can also take his salary, free of charge, from prepaid payment accounts operated by financial institutions such as fintechs, payment institutions and credit card issuers. All that is needed is for the money to fall into this account so that the employee can pay bills, withdraw without limit of time, make purchases by applications, obtain credits and make investments
As they are still consolidating in the market, these companies, such as Nubank, The payroll market and PayPal, for example, tend to offer lower or zero rates and differentiated services.
The hurdle of fintechs in conquering customers is to build the degree of relationship and credibility of the banks, which have not, explains Claudio Felisoni, Labfin Coordinator of the FIA (Fundao Instituto de Administrao). In addition to giving the employee more options, the other benefit of the new British Columbia standard is that the change can be made without it being necessary to contact them. the bank that hosts it.
salary account
In the opinion of Renata Pedro, attorney of Protest, portability in the institution of destination, as in the case of the exchange of cellular operators Protects the consumer from the "manager's story" and promises
But the benefits of the new British Columbia rule can also be accompanied by some pitfalls, says the lawyer. Among them is the sale of married products and the offer of a basket of products that does not match the profile of the customer. I must also be aware of the lower rates that are valid for the first few months and then become more expensive.
In Felisoni's badessment, this migration does not occur overnight, but will generate a conflict between institutions capable of spraying the financial sector in the country, still concentrated in five major banks. "I do not think they will make it operationally difficult, but they will not open these accounts peacefully and they will have to compete," he says. The information comes from the newspaper
O Estado de S. Paulo
(Jssica Alves)
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