The new rules on the transferability of wages come into force

<img src = "https://abrilexame.files.wordpress.com/2017/06/size_810_16_9_dinheirosp2.jpg" clbad = "abril-image optimized lazyload" abril-data-id = "2986642" sizes = "(min-width: 991px) 680px , (max-width: 420px) 420px, (max-width: 360px) 360px, "srcset =" https: //abrilexame.files.wordpress.com/2017/06/size_810_16_9_dinheirosp2.jpg?quality=70&strip=info&resize=680,453 680w, https://abrilexame.files.wordpress.com/2017/06/size_810_16_9_dinheirosp2.jpg?quality=70&strip = all & resize = 420,280 420w, https://abrilexame.files.wordpress.com/2017/06/size_810_16_9_dinheirosp2.jpg?quality=70&strip=all&resize=360,240 360w, "alt =" salary are effective at this Sunday (1.) This type of portability is when a beneficiary of the wage bill requests the transfer of funds to another bank account or a payment.

By adhering to portability, (19659008) Instead of the worker requesting transfer to the bank where the employee is transferred to the bank, the salary is automatically transferred without paying any fees. the employer keeps the salary account, he can make the request to the institution that manages the destination account.

This change is equal to the portability of salary accounts to the procedure practiced n

Payment Accounts

Another change defined by the CMN is that now wages must also be transferred to the company to which they want to transfer the line. can be transferred to payment accounts. This type of account is not offered by a bank, but by payment institutions, companies that have technological innovation as a differential and offer resource movement services.

Through payment accounts, it is possible to transfer money and buy with the card or the mobile application. The account can be prepaid, that is, with an initial contribution of resources to perform payment transactions.

The account can also be postpaid, that is to say that payment transactions are settled later on a prepaid basis – fixed, as with the credit card. In these accounts, the balance can not exceed the limit of R $ 5,000, according to the rules of the Central Bank (BC).

However, only payment institutions regulated by the OC can do the portability. All payment entities are not regulated. Currently, only seven are regulated: Brazil Prepaid, Cielo, GetNet, Nubank, Redecard, Stone and Super Payments.

These companies may offer payment accounts, prepaid cards, credit cards, discount cards

Rules

In May, the OC established operational procedures for portability rules salaries. With these operating rules, the financial institution or payment that will receive the resources transferred from the salary account will, in addition to the expression of the customer's wishes, confirm and guarantee its identity, the legitimacy of the claim, as well as that the authenticity of the information required

According to the Central Bank, if the account that receives the funds from the salary account is a prepaid payment account, so with a balance of Rs 5,000, the institutions must obtain the Full identification of the customer. Documents that indicate the full name, full name of the mother, date of birth, CPF, address and telephone number of the client who will benefit from the migration of resources are required.

Salary Account

The Salary Account is an account opened by the employer, on behalf of the employee, to pay wages, pensions and others. Only the employer can make deposits, and the employee is exempt from fees with regard to the following services: supply of magnetic card for the movement, five withdrawals for each credit, two balance requests and two declarations per month. In addition, resources can be freely transferred to the institution in which the accounts of employees, through the portability of wages.