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Forgotten money will be mandatorily transferred by banks to the FGO this Tuesday, May 12, 2026, while R$ 10.55 billion still appears idle in financial institutions, and part of these amounts may guarantee Desenrola 2.0 discounts, with public notice, contestation, and corrected refund to account holders who prove their right within the official deadline.
The money forgotten by bank customers enters a new phase this Tuesday, May 12, 2026. Financial institutions have until this date to transfer unclaimed funds from account holders to a public fund, according to an ordinance published by the government to regulate Desenrola 2.0.
According to information from G1, the measure involves amounts that are still idle in the financial system. According to a balance sheet released by the Central Bank last month, there are R$ 10.55 billion in forgotten funds belonging to 47 million customers, including individuals and companies. Now, part of this amount can be used as collateral for debt renegotiation.
Banks have until this Tuesday to transfer funds to the fund
Financial institutions must transfer forgotten funds not claimed by account holders to the FGO, a public fund used as collateral. The deadline was set in an ordinance published last Tuesday, allowing five business days for the transfer.
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In practice, this means that the money that was in the banks’ treasuries is now being moved to a public structure linked to Desenrola 2.0. The change does not immediately end customers’ right to contest, but it alters the destination of unclaimed amounts within the defined period.
The government informed that unclaimed funds will be used by the FGO to guarantee operations within the financial system itself. Part of this fund may cover potential defaults by credit borrowers in renegotiation operations.
The central point is economic: idle funds, which were not previously being moved by their holders, now serve as collateral to try to enable discounts and debt renegotiations.
R$ 10.55 billion still forgotten in financial institutions
The Central Bank’s latest balance sheet shows that there are still R$ 10.55 billion in forgotten money in the financial system. Of this total, R$ 8.15 billion belongs to 47 million individuals.
Additionally, there are R$ 2.4 billion linked to 5.06 million companies. These numbers show that the problem involves not just small individual balances, but a billion-dollar volume spread across different accounts, institutions, and holders.
The only website indicated for consulting and requesting the return of funds is the official system valoresareceber.bcb.gov.br, from the Central Bank. It is through this channel that individuals, companies, and representatives of deceased persons can check if funds are available.
The existence of this idle money reveals a common flaw in the relationship between account holders and financial institutions: many amounts remain forgotten due to lack of consultation, unawareness, or difficulty of access.
Part of the funds may finance discounts in Desenrola 2.0
In early May, the government announced its intention to use between R$ 5 billion and R$ 8 billion in forgotten funds to enable discounts in Desenrola 2.0. The program is a new stage of debt renegotiation.
The money will be directed to the FGO to offer guarantees to financial institutions. In simple terms, the fund acts as protection for banks in case some credit borrowers fail to pay their renegotiated debts.
With this guarantee, the government’s expectation is to facilitate agreements and expand the reach of renegotiations. The Ministry of Finance argues that the funds, previously idle in the treasuries of financial institutions, will now generate benefits for the financial system and for indebted families.
The logic is to transform forgotten funds into a kind of safety net to unlock renegotiations. Still, the measure also requires transparency, as the original account holders need to have a chance to dispute the transfer.
Government foresees 10% reserve for redemption requests
According to the government, there will be a segregation of 10% of the transferred balance to cover any redemption requests made by account holders. This reserve aims to keep funds available for those who prove their right to the money after the transfer.
This detail is important because the transfer to the FGO does not mean that all funds immediately cease to be reclaimable. The process includes a public call stage for account holders to verify and dispute.
The ordinance determines that, after the transfer, the Ministry of Finance, with the support of the FGO, will publish a public call notice in the Official Gazette of the Union. This notice will provide access to an information system in a restricted and individualized environment.
In this system, it will be possible to consult data such as transferred amounts, responsible institution, branch, and account number. In other words, the government foresees a new formal stage for account holders to know what has been transferred and to be able to question it.
Account holders will have a deadline to dispute the transfer
After the publication of the public call notice, account holders will have 30 calendar days to dispute the transfer made. To do so, they must present the necessary documentation.
If the dispute is accepted, the funds will be reverted by the fund to the banks. Subsequently, financial institutions will return the funds to their account holders within 15 business days.
The returned amount will be adjusted by the IPCA-15, as informed by the government. This point is relevant because it guarantees monetary updating for those who prove their right to the funds after the transfer.
If the account holder does not dispute within the foreseen deadline, the unquestioned amounts will be definitively incorporated into the FGO’s assets. It is this stage that makes it essential to monitor the publication of the notice and verify the data in the official system.
Measure places dormant money at the center of credit policy
The use of forgotten money to strengthen Desenrola 2.0 shows how the government is trying to create a source of guarantee to expand renegotiations without relying solely on new direct contributions. The strategy is to use unclaimed funds to reduce the risk for financial institutions.
From an economic point of view, the measure attempts to tackle two problems at once. On one hand, there are billions of reais sitting idle in forgotten accounts. On the other hand, there are indebted families who need to renegotiate debts with some kind of incentive for banks to accept better conditions.
The operation, however, depends on clear communication. Many account holders may not know they have funds to receive, and the transfer to the public fund can raise doubts about loss of rights, deadlines, and how to dispute.
Therefore, the notice stage will be decisive. It is during this stage that account holders will be able to verify if their funds have been transferred and submit a dispute before definitive incorporation into the fund.
Forgotten money becomes a dispute between individual right and collective use
The case of forgotten money brings to debate a sensitive issue: how to treat funds that belong to account holders but remain unclaimed for long periods within the financial system.
The government argues that unclaimed funds can generate benefits for the financial system and, especially, for families who renegotiate debts through Desenrola 2.0. The proposal is to use this amount as collateral to unlock agreements and reduce default risk.
At the same time, the process needs to preserve the right of those who can still prove they have funds to receive. Therefore, dispute, individualized consultation, and corrected return are central points of the measure.
In the end, forgotten money ceases to be just a dormant balance in banks and becomes part of an economic renegotiation policy.
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