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The new rules on pay portability came into effect on Sunday last (1/7) .This type of portability occurs when a recipient-beneficiary requests the transfer of funds to another bank account or payment account.
to know more The one changes defined by the National Monetary Council (CMN) is that wages can now be transferred to payment accounts, this type of account being not offered by a bank but by institutions of payment., companies that have technological innovation as a differential and offer resource flow services.
By means of the payment c, you can move money, pay bills and buy with the card or the mobile application. The account can be prepaid, that is, with an initial provision of resources for the payment transactions to be made.
The account can also be postpaid, that is, payment transactions are settled later on a prepaid date. -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 Central Bank can ensure their portability. All payment entities are not regulated. Currently, only seven are regulated:
These companies may offer payment accounts, prepaid cards, prepaid cards, prepaid cards,
Rules
By joining portability, the salary will be transferred automatically, without paying fees. Among the changes defined by the National Monetary Council (NMC) in February is the reversal of the portability procedure. Instead of the employee requesting the transfer to the bank where the employer keeps the salary account, he can make the request to the institution that maintains the destination account.
This change is equivalent to the transferability of salary accounts to the procedure used in telephony. To change the phone operator without changing the number, the owner of the line requests the transfer in the company to which he wants to transfer the line.
In May, the OC established operational procedures for wage portability rules. 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 OC, if the account that will receive the funds from the salary account is a prepaid payment account, so with a balance of Rs 5,000, the institutions must get 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.
Payroll
The payroll 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 employee has an account, thanks to the portability of wages.
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