How to pay a bill in Brazil

September 19, 2016

How to make a bank deposit

There are two ways to make a bank deposit in Brazil: through a cash machine (self-service) or over the counter (with a bank clerk).

  • Cash machine. Step by step:

Caixa-eletronico

  1. Go to a branch of a bank*;

*The branch needs to be the same bank of the person or company you are transferring the money to. For example, if the company has an account with Santander, you need to go to any branch of Santander.

  1. Take a deposit envelope.

    These envelopes are usually on a table near the cash machines or in the cash machine booth.

Cliente_Deposito

*Attention: In some branches there are two kinds of envelopes – one for money and one for cheques. This information is written on the envelope.

  1. Put the money or the cheque in the correct envelope.

  2. Close the envelope and make sure it is sealed.

  3. Go to the cash machine.

    Press any button on the machine so that the different options appear. The order of the steps can vary according to each bank but in general, this is the sequence:

Depósito>Conta Corrente> Dinheiro ou Cheque>[Information regarding the account where the deposit is to be made: Branch, current account and value of deposit. [The name of the person or the head of the company’s name will appear, check that it is correct]>Insert the envelope in the slot indicated on the screen of the cash machine.

envelope-e1356481894987

  1. Wait and collect the receipt

  1. After taking the receipt, check that all the information is correct.

 

  • With a bank clerk. Step by Step:

caixabanco

  1. Go to the branch and go to where the counters are (customer service desks with a bank clerk).

  2. Join the queue.

  3. When it is your turn, tell the bank clerk that you would like to make a deposit.

  4. Hand over the number of the branch, the current account and the name of the person or company you would like to transfer money to.

  5. State the amount of the deposit and hand over the money or the cheque to the bank clerk.

  6. Take the receipt and check that all the information is correct.

 

 

How to make a bank transfer

 (Adaptado de: http://mundodasnoticias.net/como-fazer-uma-transferencia-bancaria/)

A bank transfer, one of the most well-known financial transactions, is the most efficient way to send money from one bank to another. In the event that you need to do this, do not worry because it is not complicated.

Types of bank transfer:

1/ Simple transfer: The money needs to be sent to an account in the same bank. You do not have to pay anything to do this; you only need the branch number and the bank account number to be able to send the desired amount. This transaction can be made for any amount, big or small, respecting the daily bank limit that can be a small value or up to R$1000 per day.

2/ DOC and TED: the money is sent from one account to another current account in another bank. With the DOC, the maximum value is R$3000 per transaction. The TED is done for values higher than R$5000 per transaction. You need the following details about the person or the company:

  • Full name
  • CPF number (person) / CNPJ (company)
  • Branch number
  • Bank account number

For DOCs and TEDs an extra charge is applied that varies from bank to bank and is calculated according to the account you hold with the bank.

Where to make a bank transfer

  • At a bank counter;

caixabanco

All you need to do is go to the branch of a bank where you have an account, go to the counter (customer service with a bank clerk) and tell them that you would like to make a transfer, DOC or TED. Remember to take the following information with you:

 

Your details                                                     Recipient’s details

– Bank card*;                                                   – Branch;

– CPF or RG                                                       – Account;

– CPF(person) or CNPJ (company);

– Name of company or person.

* In the event you don’t have the bank card, bring the number of your branch and account, as well as an identity document (RG or CPF).

 

  • Cash machine (ATM);

Caixa-eletronico

Go to a branch, use an ATM (image above) and follow the instructions on the screen to make the transfer. You can make a simple transfer as well as DOCs and TEDs.

Don’t forget to bring the bank details of the person or the company you are making the transfer to.

  • Internet Banking;

This can be done directly from home through your bank’s website.

Remember: The password you use to access the cash machine is different to the one you need for Internet Banking, in the event you don’t have the password for internet banking, ask for it at a branch of your bank.

 

 

How to fill out a cheque

There are various things you have to consider when you fill out a cheque as is demonstrated by the image below. If any important details are forgotten when you fill out a cheque, the cheque WILL NOT BE VALID. So that you can see what the important details are, the table below describes them item by item.

cheque

 

______,___de_________de______ Place and date in and on which you are filling out the cheque
a Name of the person or company you are making the payment to
R$ Value of the cheque in numbers. For example: R$346,67
Pague por este cheque a quantia de Value of the cheque in letters. This value must be the same as the value in numbers.
Assinatura You must sign the cheque to authorise the bank to pay the person or company who cashes the cheque.

Important: The signature must be the same one you registered when you opened your current account, otherwise THE CHEQUE WILL BE INVALID

The cheques give you confirmation that the payment was made, as well as confirmation that the money was received by the person or company to whom the cheque was paid.

Example of a completed cheque:

cheque2.gif

1 – In the field where you write the quantity to be paid, write the value between hashtags (#).

This stops anyone from adding a number and altering the value to be deposited.

2 – In the space where you write the quantity in full, it is a good idea to put this value in brackets and draw a line through the remaining space so that no one can erase and alter what you have written.

3 – In the space where you write the name of the person or the company that will receive the check, draw a line through the remaining space to ensure no one can alter this information either.

4 – Here you write the name of the city where you are and the date you are writing the cheque.*

5 – Remember to fill out this field with the same signature that you used to register at the bank. If the signature is different the cheque will be void.

 

*It is also possible to write the date that you would like the cheque to be deposited. It is what we call in Brazil a pre-dated cheque. One way to pay for a product or service by a specific deadline is to use a pre-dated cheque. It works like this: you leave the filled out cheque at the shop, but it is only deposited on the date you have requested.

For example, if you want to pay for a Portuguese course in three instalments, you can leave three cheques that will be deposited month by month, in accordance with what you have arranged with the school.

 

Cheque Cruzado – Crossed out Cheque

 (Adaptado de : http://br.finanzaspracticas.com/pessoais/bancarios/servicos/3.php

E  http://konkero.com.br/financas-pessoais/organizar-gastos/como-preencher-um-cheque-sem-erros )

A cheque is a form of payment in which paper substitutes actual money. Whoever receives a cheque can take out the value or deposit the quantity in a bank.

Although it is easy to use, this form of payment requires a certain level of attention. After all, if the cheque was stolen you would incur some damages.

One way to protect your money is to cross out the cheque.

How to cross out a cheque

cheque3

When you have finished filling out the necessary information, you need to draw two parallel lines on the front of the paper, usually on one of the two top corners.

This means that whoever receives the payment will only get the money if they deposit the cheque in a bank and not by taking money out over the counter at a bank.

Why is a crossed out cheque more secure?

As no one will be able to take out the value at a bank counter, you will have time to stop the cheque and cancel the transaction in the event that it was robbed.

Crossing out the cheque could hinder the receipt of the money because whoever receives the payment has to go to the bank to make the deposit. Despite this, it really is the most secure option for you.

 

 

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