Surprisingly, bank fee refunds are now mandatory for Brazilians

Few people know, but the fact is that Bank fee refund that it consumer right. This is because banks must provide, for free, essential services, such as using certain services on a checking account, for example. This makes you fully entitled to receive the amounts you’ve paid the banks over the years for certain essential services.

In this text, we explain a little more about it and also give instructions on what to do in these cases.

Bank fee return: Learn more about it

Although few people are aware of this, the fact is that many banks have been charging undue fees when providing a series of services to their customers. In addition to the refund, the bank must also offer a no-fee account to the user, and this offer is supported by law, more specifically in Resolution No. 3919 of 2010.

The resolution makes it clear All clients should have the option to contract for essential services without having to pay fees. Only billed services may be charged. However, what are after all exempted services? We make it clear in the list below so that you understand under what circumstances you can request a refund:

• Current account: You can make up to four free withdrawals per month; conducting online consultations; get ten check sheets per month; Clear checks for free.
• saving account: get 2 extracts per month; make two free transfers to the owner’s checking account; 2 withdrawals per month at the cashier or at self-service terminals; card with movement function; Online inquiries.

if i paid definitions For some of these above services, please be aware that you may request a full refund.

How can I request a refund of incorrectly charged fees?

If you ever have to pay a fee to use any of the basic services mentioned above, know that it is very easy to ask for your money back. See step by step:

• You should contact your bank’s call center;
• request reimbursement of amounts relating to unpaid fees;
• The bank will then provide you with more information on how to process the refund.

Remember to bank Improperly charged fees cannot be refused payment. He can only refuse payment in cases of separate services with additional fees, but not in essential services, such as those listed above.

If the bank shows any resistance when paying the refund, you can contact Banco Centrado do Brasil – Bacen, using the service protocol number, to register your complaint in this regard.

After all, you have the right to a refund and the bank will not be able to unnecessarily refuse to pay the previously charged amount.