Development: Caixa and BB open an hour earlier on Wednesday to renegotiate debts; See How to Participate | Economy

The measure is part of Desenrola’s “D-Day”, promoted by the Ministry of Finance. Private banks such as Itao, Bradesco and Santander reported that they would not change the operating hours of their branches (see below).

Bank and non-bank debts – such as electricity, water, credit card, retail, education and other bills – can be renegotiated. Debt discounts can reach 99%.

According to the program rules, installments can be made over a period of up to 60 months, with interest of up to 1.99% per month.

Caixa reported that All its branches in the country will open their doors an hour earlier on Wednesday.

Progress will be according to the schedule already in place in each region. In other words, if agencies in a particular city start work at 10 a.m., they will start at 9 a.m. If the usual time is 11am, the opening will be at 10am. And so on and so on.

According to the institution, their situations have already been settled through Desenrola 273,550 outstanding contracts from 215,216 customers. The total negotiated value has been reached 5 billion Brazilian reals.

The bank announced that in addition to Desenrola, it will provide services on Wednesday to:

BB agencies will too Opened an hour ago This Wednesday. The bank reported that they would be More than four thousand points With extended hours to serve the Desenrola crowd.

According to the institution, 2.5 million customers With debts in between 5 thousand Brazilian reals that it 20 thousand Brazilian reals Eligible to pay in installments.

Itaú stated that it will maintain its digital channels with 24-hour service. However, the physical branches will operate during “normal business hours”.

The bank said it would promote renegotiations with its clients Track 2 Do Desenrola (people whose income is up to 20 thousand Brazilian reals) through its service channels.

For customers who fall under Track No. 1 (Total monthly income up to 2,640 Brazilian reals Or registered with CadÚnico), the procedure will be performed by Official Desenrola platform.

“In addition, the bank also has a service and support cell exclusively dedicated to Desenrola clients,” the institution said.

Santander informed that it will not change its working hours this Wednesday, because “he already works long hours in the branches, from 9 a.m. to 6 p.m.”

According to the bank, offers will be available with a down payment and without a down payment, in addition to flexible prices, discounts of up to 90%, and installments of up to 120 installments for individuals, through its service channels and its website. location.

Bradesco also informed that the service will be provided in its physical units during normal business hours.

According to the institution, clients will be able to renegotiate debts covered by Desenrola through the platform gov.br And through the bank’s digital channels.

How do I access the Desenrola platform?

To access, the consumer must have registration gov.br Silver or gold certificate levels, in addition to updating registration data. This process, according to the Ministry of Finance, is a security measure.

Bill gov.br It is an identity that proves the identity of the citizen in digital media. Through it, it is possible to securely identify yourself when accessing digital services offered by the government, such as the digital CNH, income tax return and SUS services, the e-social portal and Enem, for example.

The account is free and available to all Brazilians. Registration takes place directly on the federal government portal.

Follow the steps to create an account on gov.br:

1. Access the government website;
2. Select the option “Log in using gov.br”
3. Enter your CPF number and click Continue;
4. Read and accept the terms and click “Continue”;
5. Choose a bank to create the account or press “Try another way”, if you do not have a bank account or do not wish to use it;
6. Fill out the form with your data, which can be validated at Federal Revenue or INSS. Registration can also be done at the INSS agency or at Senatran centres. However, this model only allows Bronze level (see below how to increase gov.br account level);
7. The platform will send a code that can be received via email or cell phone. Write it in the indicated location;
8. Create a password that meets the required standards;
9. With this, it is now possible to log in using your gov.br account to other services.

Furthermore, it should be noted that registration in gov.br It has three levels of security and access: Bronze, Silver, and Gold.

When created via an online INSS or Federal Revenue form, for example, the account typically starts at the Bronze level, which grants partial access to government digital services and whose security level is considered basic.

According to the Ministry of Finance. To move to the silver level, citizens must:

• Validate facial biometrics using the photo verification app on driving license rules (CNH);
• Verify personal data via online banking or log in through one of the authorized banks (see below). It is worth noting that the debtor must have the phone number registered with his bank to receive the SMS to confirm access;
• Verify the validity of the data using the SIGEPE username and password, if the citizen is a federal government employee.

The banks registered on gov.br are: Banco do Brasil, Banrisul, Bradesco, BRB – Banco de Brasília, Caixa Econômica Federal, Sicoob, Santander, Itaú Unibanco, Agibank, Sicredi and Banco Mercantil do Brasil.

To obtain the gold level, a citizen must:

• Validate facial recognition using the app to verify your photo in the Electoral Tribunal (TSE) databases;
• Validate the data using the QR code on your national ID card or using a digital certificate compatible with ICP-Brasil.