Clipping of news on Brazilian Culture, Law and Citizenship
08/16/2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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Amid unemployment and high inflation, it is essential to have control over spending. Working with a firm hand at the time of administering the budget is the only way to ensure that there is no exaggeration in the family expenses. However, reducing superfluous is something painful. A good tip to cut costs is to look for the invisible costs: fees and charges of the services we use on a daily basis and end up forgotten in the midst of so many charges.
Look with magnifying glass to the charges made by your bank. As the current accounts of Brazilians are dominated by a few large banks, it is essential to pay attention to the collection, especially the unnecessary and unwarranted.
It is important to keep an eye and know how you use the services of the bank, to assess if you are not paying for items that could be free within its usage limit. Today the Brazilian consumer is entitled to two types of free accounts, the salary account and the current account of essential services - and many do not know it.
How do they work?
Salary account: as the name says, is unique to receive salary. Only the company's deposits are accepted carrying out the payment and you are entitled to a magnetic card, 5 monthly withdrawals, consultations 2 terminals or cash, and 2 monthly statements.
essential services account: offers a free package with a debit card, up to 4 withdrawals per month, two transfers of funds between accounts in the institution, 2 extracts; queries unlimited internet banking, annual consolidated statement, check clearing, 10 sheets of check per month and all service by electronic means.
In the case of paid plans, the consumer has two choices: pay individual fees for extra services or hire a closed package. The Central Bank also determines that financial institutions should offer four types of standardized plans to facilitate comparison of prices. Are they:
Package I: a debit card, 8 withdrawals per month, 4 monthly statements, two extracts from the previous month and 4 transfers between accounts at the same institution.
Package II: a debit card, 12 monthly check sheets, 8 Serves 6 extracts of the month, 2 extracts from previous months, 1 DOC or TED, 4 transfers at the same bank.
Package III: a debit card, 15 sheets of check, 10 monthly withdrawals, 8 monthly statements and 4 other periods, two DOCs or TEDs and 6 transfers in the same bank.
Package IV: a debit card, 20 sheets of check, 12 monthly withdrawals, 8 monthly statements and 4 other periods, 3 DOCs or TEDs and 8 transfers in the same bank.
Prices vary greatly between banks and there are even personalized services. The key here is to research rates and check how often and what services you usually use more in your bank. This can help you guide your research and find a plan that makes the most sense for you.
In case you find unfair tariffs, worth considering the portability of accounts - a consumer right. So, search rates and demand their rights.
Source: G1
To access the G1 site, click here.
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This article was translated by an automatic translation system, and was therefore not reviewed by people.