The Central Bank disclosed on Tuesday, the 14th, that there are still R$ 6.24 billion available to be returned to clients of financial institutions who have not yet withdrawn their funds. This survey covers amounts registered up to May 2026.
Distribution of funds
Of this total amount, R$ 4.43 billion corresponds to more than 24 million individuals, while approximately R$ 1.8 billion is associated with almost 2.3 million companies. Interested parties can check these amounts through the official system provided by the monetary authority.
Changes and oversight of resources
This update reflects the fact that part of these forgotten resources was directed to a public fund intended to support the Desenrola 2.0 program, which deals with debt renegotiation. The use of these funds has been analyzed by the Federal Court of Accounts (TCU), the body that verifies how the funds are used outside the federal budget.
The volume of resources held in financial institutions decreased compared to the previous assessment by the Central Bank, which pointed to about R$ 10.6 billion awaiting withdrawal in March. This reduction occurred because the government allocated about R$ 5.7 billion to the Guarantee Fund for Operations (FGO), a structure used to provide guarantees to financial institutions participating in Desenrola 2.0.
Details of Fund Use
The initiative was communicated at the beginning of May, when the government declared its intention to use between R$ 5 billion and R$ 8 billion of the resources not moved by clients to expand the conditions of the renegotiation program. According to the government's justification at the time, a portion equivalent to 10% of the transferred balance would be kept reserved to meet eventual future requests for returns from account holders.
The movement of these funds attracted the attention of the Federal Court of Accounts. Experts from the body are investigating whether the use of this money to finance federal actions without going through the public budget complies with current regulations. The concern lies in the fact that the amounts transferred to the fund do not enter the annual limit of Union expenses, which limits the increase in public spending above inflation to 2.5% annually.
Budgetary Implications
If these resources were included in the budget, the government would have to compensate for the amount with cuts in other areas of free application. This scenario could intensify pressure on discretionary spending. The government informed that, to respect the current spending ceiling, it had already blocked R$ 23.7 billion in ministerial budgets this year. According to the federal administration, this limitation of funds already impacts activities such as inspection, technology investments, and services provided by regulatory agencies.
How to access the funds
Checking forgotten resources must be done exclusively through the system called Values to Receive, provided by the Central Bank. This platform allows checking amounts left by both individuals and companies, as well as deceased citizens. To request the return, the user needs to provide a Pix key. Those who do not have this registration must contact the financial institution responsible for the amount directly to arrange another payment method or create a Pix key and return to the system.
In situations involving deceased persons, only heirs, legatees, executors, or legal representatives are permitted to make the inquiry. Additionally, it is mandatory to present a term of responsibility and follow the procedures established by the institutions holding the amounts.