Forgotten Money in Banks: Who is entitled and how to check on the BC channels

Find out what guidelines and rules have been issued by the Central Bank of Brazil.

O Accounts Receivable System (ARS) It is a service from the Central Bank that allows you to check if a person, company, or deceased individual has amounts to receive from banks, consortium administrators, or other institutions.

Attention: the information provided here is for educational and informational purposes only. This website is not affiliated with, associated with, or a representative of the Central Bank, the Federal Government, or any of the institutions mentioned. We do not conduct consultations, request personal data, receive orders, or process refunds.

In this guide, you will understand how the consultation works, what information may be required, and how to request a refund when the system indicates the existence of funds. The consultation is free and must be carried out only on the official website of the Central Bank.

What is the Accounts Receivable System?

The Accounts Receivable System gathers information sent by financial institutions about funds that may be available for repayment. Situations that may arise include:

• Balances of closed checking or savings accounts;
• Fees or charges that were improperly levied, when acknowledged by the institution;
• Resources from closed consortium groups;
• Values held by institutions participating in the system;
• Other situations reported by institutions to the Central Bank.

The availability of funds depends on the information sent by institutions to the Central Bank and must be confirmed directly in the official system. The query does not guarantee that any funds are available.

Who can perform the consultation?

The system allows you to view information related to the following account holders:

• Individuals;
• Companies;
• Deceased persons, through heirs, executors, administrators, or legal representatives;
• Companies that have been closed, as reported by their legal representatives;
• Data subjects with information registered by a participating institution.

Having or having had a relationship with a financial institution does not guarantee the existence of funds. The possibility of requesting a refund depends on the outcome and the user's ability to represent the account holder.

How the Amounts Receivable system works

O Central Bank It provides an official platform to check and learn how to request a refund. The initial consultation is free and can be done without logging in.

The platform works in two stages:

• Initial consultationPlease provide your CPF (Brazilian individual taxpayer registration number) and date of birth, or, in the case of a company, your CNPJ (Brazilian company taxpayer registration number) and date of incorporation.;
• Access to detailsWhen values are indicated, the user must log in with a Gov.br account at the silver or gold level, with two-step verification enabled, and follow the instructions provided.

Step-by-step guide to checking and requesting a refund.

See how to access the official system and check the guidelines applicable to the holder's situation:

1. Access the official website

Access the Accounts Receivable System — official website of the Central Bank.

2. Make the initial consultation

Inform the CPF and the date of birth Or, in the case of a company, the CNPJ (Brazilian tax ID) and the opening date. The system will indicate if there is information on amounts to be received.

3. Log in to Gov.br

If the system indicates the existence of funds, log in with a Silver or Gold level Gov.br account and keep two-step verification enabled.

4. Check the details

The system will be able to display the amount, the responsible institution, the source of the funds, and the available instructions for requesting a refund.

5. Follow the instructions provided.

When the “Request here” option appears, select a Pix key and register the request. According to the Central Bank, in this modality the institution must make the refund within 12 business days, and may use Pix, TED or DOC. When this option is not available, contact the institution directly using the information provided in the system to arrange the method and timeframe for the refund.

6. Keep the receipt

After registering your request, keep the protocol number or the receipt provided by the system. This record does not represent confirmation of payment.

What if I don't have a Gov.br account?

The initial consultation can be done without logging in. To access details and certain features, a Silver or Gold level Gov.br account with two-step verification enabled is required. Account creation and updates must be done exclusively through official Federal Government channels.

Can I check the values of deceased people?

Heirs, executors, administrators, or legal representatives can access information related to deceased individuals. Access to details must be done using the Gov.br account of the responsible party. The institution may require documents such as:

• Death certificate.
• Identification document of the applicant.
• Documents proving the status of heir, executor, administrator, or legal representative.

When fees are available, the system will display the contact information for the responsible institution. The interested party must contact the institution directly and submit the required documentation. The procedure may vary depending on the institution.

Is the system available for consultation?

The Accounts Receivable System remains available on the Central Bank's official website. Consultations can be made according to the conditions presented on the platform.

Any outages, requirements, or operational changes should be checked directly in the official system.

Be careful not to fall for scams

Scammers can create fake websites and messages using this theme. To reduce the risk, follow these guidelines:

• Access only the official website of the Accounts Receivable System;
• Never provide passwords or verification codes outside of the official platform;
• Be wary of WhatsApp messages, SMS messages, or links sent via email;
• Consultation and requests through the official system are free. Do not make any payments to consult or release funds.

What information can appear in the system?

When information is available, the system can display the amount to be received, the name and contact details of the responsible institution, the source of the funds, and instructions for requesting a refund.

The options presented may vary depending on the institution and the account holder's situation. The Central Bank provides the consultation system, but the return is made by the responsible institution.

What to do when the system indicates values?

• Check the name and contact information of the responsible institution;
• Read the guidelines provided before submitting any request;
• Keep the protocol number and follow up on your request through official channels.

When the system itself directs you to contact the institution directly, use only the phone number or email address provided on the Central Bank's platform.

Why use only the official system?

The official system allows users to perform the search free of charge and presents information submitted by participating institutions. Other websites are not authorized to search or request information on behalf of the user.

To protect your data, verify the website address before entering your CPF (Brazilian individual taxpayer registration number), CNPJ (Brazilian company taxpayer registration number), date of birth, or Gov.br account information. This website does not perform queries or receive this information.

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Updated on August 1, 2026