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Digital Social Savings reaches 100 million accounts

Among them, 67 million Brazilians who were invisible can now use the digital account for payments and transfers, free of charge


Digital Social Savings reaches 100 million accounts
The number was celebrated in a ceremony at the Planalto Palace on Wednesday (4) - Photo: Marcos Corrêa / PR

Nov 7, Brasilia: Created for the payment of Emergency Aid from the Federal Government, due to Covid-19, digital social savings reached the mark of 100 million accounts in the Caixa Tem application. The number was celebrated in a ceremony at the Planalto Palace on Wednesday (4), with the presence of President Jair Bolsonaro and ministers.


In addition, now 67 million Brazilians who were invisible have a bank account. “These people, we had to, very quickly and objectively, attend to them. This would not be possible if it were not for our Caixa Econômica Federal, with its almost 1/4 of million employees ”, says President Jair Bolsonaro. "More than attending to those in need, you prevented serious social problems from happening in Brazil."



During the event, Caixa's president, Pedro Guimarães, explained that, with the digital bank, it is possible to make purchases and payments without leaving home. “This is a revolution”, he points out. “We have already reached 105 million digital accounts. Between programming and holding the event, we have already won over 5 million digital accounts ”, he celebrates.



According to him, it is the largest banking process in the country's history so that the social benefits reach those who need it most. “The biggest social inclusion program was made,” says Guimarães.


Access

Digital social savings were created, initially, for the payment of Emergency Aid and, in October, President Jair Bolsonaro signed the law that made the account permanent, with the objective of allowing low-income families to have access to the banking system. simplified and free of charge.


Thus, digital social savings can be used to receive other benefits such as salary allowance, unemployment insurance and Bolsa Família, in addition to state and municipal benefits. Before the enactment of the law, the account was intended only for payments of Emergency Aid, Emergency Extension Aid, the emergency withdrawal of FGTS and the Emergency Benefit of Preservation of Employment and Income (BEm).


The account holder can also use the savings to pay bank slips. In addition, three-wire transfers and one withdrawal per month are allowed free of charge. The advantage for the customer of digital social savings is that they do not have to pay a maintenance fee.



The monthly movement limit is R $ 5,000. Caixa is responsible for operating the accounts. Digital social savings can be closed or converted to a demand deposit or regular savings account at any time, without additional costs.



The president of Caixa also considered that after the payment of the Emergency Aid is closed, digital social savings will be a means to make microcredit reach Brazilians.


“More than 10 million Brazilians, at least 10, will be inserted in microcredit after the aid. It may even be more, but what we are going to do is use this digital bank to lend R $ 500 to R $ 1,000 at much lower rates ”, says Pedro Guimarães.


Account opening

Digital social savings can be opened with less bureaucracy, without presenting additional documents in case the holder is previously registered by the financial institution or the government.


In the case of people who have been registered to receive Emergency Aid, salary bonus, withdrawal from FGTS or the Emergency Job Maintenance Program, the account is automatically opened. In the case of social security benefits, the holder may request to open the account.



Caixa will provide a consultation tool on the website and on the application where the citizen can check if there is an account in his name, after consulting the CPF.



App

Access to digital social savings is through the Caixa Tem application, which has a virtual debit card and payment for purchases by QR Code. Withdrawals from the digital account can be made at more than 20 thousand branches, lotteries and ATMs across the country.




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