{"id":45179,"date":"2019-09-17T08:00:03","date_gmt":"2019-09-17T11:00:03","guid":{"rendered":"https:\/\/www.procon.go.gov.br\/?p=45179"},"modified":"2019-09-17T10:03:32","modified_gmt":"2019-09-17T13:03:32","slug":"pesquisa-do-procon-goias-mostra-aumento-medio-anual-de-23-nas-tarifas-bancarias","status":"publish","type":"post","link":"https:\/\/goias.gov.br\/procon\/pesquisa-do-procon-goias-mostra-aumento-medio-anual-de-23-nas-tarifas-bancarias\/","title":{"rendered":"Pesquisa do Procon Goi\u00e1s aponta varia\u00e7\u00e3o de at\u00e9 452% na cobran\u00e7a de tarifas banc\u00e1rias"},"content":{"rendered":"<p>&nbsp;<\/p>\n<figure id=\"attachment_42367\" aria-describedby=\"caption-attachment-42367\" style=\"width: 620px\" class=\"wp-caption aligncenter\"><img fetchpriority=\"high\" decoding=\"async\" class=\"wp-image-42367\" src=\"\/procon\/wp-content\/uploads\/sites\/19\/2019\/02\/calculo-balanco.jpg\" alt=\"(Foto: Reprodu\u00e7\u00e3o)\" width=\"620\" height=\"409\" srcset=\"https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2019\/02\/calculo-balanco.jpg 820w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2019\/02\/calculo-balanco-220x145.jpg 220w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2019\/02\/calculo-balanco-768x507.jpg 768w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2019\/02\/calculo-balanco-450x297.jpg 450w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2019\/02\/calculo-balanco-150x100.jpg 150w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2019\/02\/calculo-balanco-400x264.jpg 400w\" sizes=\"(max-width: 620px) 100vw, 620px\" \/><figcaption id=\"caption-attachment-42367\" class=\"wp-caption-text\">(Foto: Reprodu\u00e7\u00e3o)<\/figcaption><\/figure>\n<p><em>Valor varia de R$ 1,25\u00a0 a R$ 6,9 quando a transfer\u00eancia entre contas \u00e9 realizada nos guich\u00eas de atendimento pessoal<\/em><\/p>\n<p><strong>Goi\u00e2nia, 17 de setembro de 2019<\/strong> &#8211; Pesquisa do Procon Goi\u00e1s divulgada nesta ter\u00e7a-feira (17\/9) mostra\u00a0varia\u00e7\u00e3o de at\u00e9 452% na tarifa de \u201ctransfer\u00eancia entre contas na pr\u00f3pria institui\u00e7\u00e3o\u201d, quando realizada nos guich\u00eas de atendimento pessoal. O valor varia de R$ 1,25 a R$ 6,90.<\/p>\n<p>Os valores\u00a0 coletados pelo Procon Goi\u00e1s referem-se aos pre\u00e7os m\u00e1ximos praticados por cada banco nas ag\u00eancias de todo o Pa\u00eds. S\u00e3o pre\u00e7os cobrados quando o consumidor excede a quantidade de eventos dispon\u00edveis em seu pacote de servi\u00e7o contratado junto ao banco, ou quando extrapola a quantidade de eventos gratuitos, considerados \u201cservi\u00e7os essenciais\u201d.<\/p>\n<p>O Procon Goi\u00e1s visitou 8 (oito) ag\u00eancias banc\u00e1rias, verificando os pre\u00e7os m\u00e1ximos cobrados nas tarifas de conta corrente\/poupan\u00e7a e de cart\u00e3o de cr\u00e9dito. Foram coletados os pre\u00e7os de 28 (vinte e oito) servi\u00e7os considerados \u201cpriorit\u00e1rios\u201d em conta banc\u00e1ria e 7 (sete) servi\u00e7os cobrados em cart\u00e3o de cr\u00e9dito.<\/p>\n<p><strong>Veja\u00a0 outros exemplos de varia\u00e7\u00f5es entre menor e maior pre\u00e7o:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<table width=\"643\">\n<tbody>\n<tr>\n<td width=\"284\"><strong>SERVI\u00c7OS PRIORIT\u00c1RIOS<\/strong><\/td>\n<td width=\"85\"><strong>Canais <\/strong><\/td>\n<td width=\"104\"><strong>Menor<\/strong><\/td>\n<td width=\"94\"><strong>Maior<\/strong><\/td>\n<td width=\"76\"><strong>Varia\u00e7\u00e3o<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"284\"><strong>TARIFAS<\/strong><\/td>\n<td width=\"85\"><strong>Entrega<\/strong><\/td>\n<td width=\"104\"><strong>Valor<\/strong><\/td>\n<td width=\"94\"><strong>Valor<\/strong><\/td>\n<td width=\"76\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"284\"><strong>CONTA CORRENTE \/ POUPAN\u00c7A<\/strong><\/td>\n<td width=\"85\"><\/td>\n<td width=\"104\"><\/td>\n<td width=\"94\"><\/td>\n<td width=\"76\"><\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Transfer\u00eancia entre contas na pr\u00f3pria institui<\/td>\n<td width=\"85\">Pessoal<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,25<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 6,90<\/td>\n<td width=\"76\">452,00<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Saque de conta de dep\u00f3sito a vista\/poupan\u00e7a<\/td>\n<td width=\"85\">Pessoal<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,20<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 8,80<\/td>\n<td width=\"76\">300,00<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Fornecimento de c\u00f3pia de microfilme<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5,50<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20,00<\/td>\n<td width=\"76\">263,64<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Dep\u00f3sito identificado<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3,00<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 8,50<\/td>\n<td width=\"76\">183,33<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Fornecimento 2\u00aa via cart\u00e3o fun\u00e7\u00e3o d\u00e9bito<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 7,30<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 20,00<\/td>\n<td width=\"76\">173,97<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Transfer\u00eancia agendada por meio de DOC\/TED<\/td>\n<td width=\"85\">Pessoal<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 9,40<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 25,00<\/td>\n<td width=\"76\">165,96<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Fornecimento de extrato mensal<\/td>\n<td width=\"85\">Pessoal<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,50<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 6,60<\/td>\n<td width=\"76\">164,00<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Confec\u00e7\u00e3o de cadastro para in\u00edcio de relacion<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 22,50<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 50,00<\/td>\n<td width=\"76\">122,22<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Confec\u00e7\u00e3o e fornecimento de folhas de cheque<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,45<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,75<\/td>\n<td width=\"76\">89,66<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Concess\u00e3o de adiantamento a depositante<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 51,00<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 80,00<\/td>\n<td width=\"76\">56,86<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Exclus\u00e3o de registro do CCF<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 49,00<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 70,00<\/td>\n<td width=\"76\">42,86<\/td>\n<\/tr>\n<tr>\n<td width=\"284\"><strong>CART\u00c3O DE CR\u00c9DITO<\/strong><\/td>\n<td width=\"85\"><\/td>\n<td width=\"104\"><\/td>\n<td width=\"94\"><\/td>\n<td width=\"76\"><\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Pagamento de contas com fun\u00e7\u00e3o cr\u00e9dito<\/td>\n<td width=\"85\"><\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 8,50<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 25,50<\/td>\n<td width=\"76\">200,00<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Utiliza\u00e7\u00e3o de canais de atend para saque<\/td>\n<td width=\"85\">No pa\u00eds<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 8,00<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 18,80<\/td>\n<td width=\"76\">135,00<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Fornecimento de 2\u00aa via cart\u00e3o fun\u00e7\u00e3o d\u00e9bito<\/td>\n<td width=\"85\"><\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 7,90<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 15,00<\/td>\n<td width=\"76\">89,87<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Avalia\u00e7\u00e3o emergencial de cr\u00e9dito<\/td>\n<td width=\"85\"><\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 15,00<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 19,40<\/td>\n<td width=\"76\">29,33<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p>O levantamento tamb\u00e9m mostra que o pre\u00e7o m\u00e9dio anual da tarifas banc\u00e1rias registrou alta de 2,03% na compara\u00e7\u00e3o com agosto de 2019, enquanto a infla\u00e7\u00e3o acumulada (IPCA) medida pelo IBGE caiu de 4,19% (acumulado anual de agosto\/2018) para 3,42% atualmente.<\/p>\n<p>Conforme previsto no inciso IV do Art. 4\u00ba da Lei 8.078\/90 (C\u00f3digo de Defesa do Consumidor), \u00e9 dever dos \u00f3rg\u00e3os de defesa do consumidor, educar e informar fornecedores e consumidores quanto aos seus direitos e deveres com vistas \u00e0 melhoria das rela\u00e7\u00f5es no mercado de consumo.<\/p>\n<p>Desta forma, as pesquisas divulgadas periodicamente pelo Procon Goi\u00e1s, al\u00e9m de prestar informa\u00e7\u00f5es a respeito das varia\u00e7\u00f5es de pre\u00e7os, tamb\u00e9m t\u00eam como foco a\u00e7\u00f5es de orienta\u00e7\u00e3o e educa\u00e7\u00e3o dos consumidores em rela\u00e7\u00e3o ao tema pesquisado.<\/p>\n<p>Durante o levantamento, um dado chamou a aten\u00e7\u00e3o do \u00f3rg\u00e3o: o valor da tarifa de \u201ctransfer\u00eancia entre contas na pr\u00f3pria institui\u00e7\u00e3o\u201d, quando realizada no guich\u00ea de atendimento pessoal, passou do pre\u00e7o m\u00e9dio de R$ 1,56 (agosto\/2018), para R$ 3,04 (m\u00e9dia atual). Eleva\u00e7\u00e3o de 95,05%.<\/p>\n<p><strong>Veja outros exemplos de aumento\/redu\u00e7\u00e3o no pre\u00e7o m\u00e9dio das tarifas:<\/strong><\/p>\n<p>&nbsp;<\/p>\n<table width=\"643\">\n<tbody>\n<tr>\n<td width=\"284\"><strong>SERVI\u00c7OS PRIORIT\u00c1RIOS<\/strong><\/td>\n<td width=\"85\"><strong>Canais <\/strong><\/td>\n<td width=\"104\"><strong>Pre\u00e7o M\u00e9dio<\/strong><\/td>\n<td width=\"94\"><strong>Pre\u00e7o M\u00e9dio<\/strong><\/td>\n<td width=\"76\"><strong>Varia\u00e7\u00e3o<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"284\"><strong>TARIFAS<\/strong><\/td>\n<td width=\"85\"><strong>Entrega<\/strong><\/td>\n<td width=\"104\"><strong>ago\/18<\/strong><\/td>\n<td width=\"94\"><strong>set\/19<\/strong><\/td>\n<td width=\"76\"><strong>\u00a0<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Transfer\u00eancia entre contas na pr\u00f3pria institui\u00e7\u00e3o<\/td>\n<td width=\"85\">Pessoal<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,56<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3,04<\/td>\n<td width=\"76\">95,05<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Dep\u00f3sito identificado<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 4,50<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 5,06<\/td>\n<td width=\"76\">12,44<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Fornecimento de extrato mensal<\/td>\n<td width=\"85\">TAA<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,69<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,89<\/td>\n<td width=\"76\">7,57<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Transfer\u00eancia por meio de DOC\/TED<\/td>\n<td width=\"85\">Pessoal<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 18,68<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 19,98<\/td>\n<td width=\"76\">6,97<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Saque de conta dep\u00f3sito \u00e0 vista e poupan\u00e7a<\/td>\n<td width=\"85\">Pessoal<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3,39<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3,52<\/td>\n<td width=\"76\">3,80<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Confec\u00e7\u00e3o e fornecimento de folha de cheque<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,81<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,86<\/td>\n<td width=\"76\">2,56<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Concess\u00e3o de adiantmaento a depositante<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 58,89<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 59,34<\/td>\n<td width=\"76\">0,76<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Confec\u00e7\u00e3o Cadastro &#8211; In\u00edcio de relacionamento<\/td>\n<td width=\"85\">*<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 31,31<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 31,25<\/td>\n<td width=\"76\">-0,19<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Fornecimento de extrato de um per\u00edodo<\/td>\n<td width=\"85\">TAA<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 3,00<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,94<\/td>\n<td width=\"76\">-1,88<\/td>\n<\/tr>\n<tr>\n<td width=\"284\">Fornecimento de extrato de um per\u00edodo<\/td>\n<td width=\"85\">CB<\/td>\n<td width=\"104\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 2,58<\/td>\n<td width=\"94\">\u00a0R$\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 1,92<\/td>\n<td width=\"76\">-25,71<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><strong>Trocar os caixas eletr\u00f4nicos pelos guich\u00eas de atendimento pessoal pode custar caro<\/strong><\/p>\n<p>Voc\u00ea sabia que ao deixar de utilizar os TAA (Terminais de Auto Atendimento), os conhecidos caixas eletr\u00f4nicos dos bancos, para fazer o servi\u00e7o na \u201cboca do caixa\u201d, ou seja, nos guich\u00eas de <img decoding=\"async\" class=\"alignright size-large wp-image-35804\" src=\"\/procon\/wp-content\/uploads\/sites\/19\/2018\/01\/Filas-em-banco-450x298.jpg\" alt=\"\" width=\"450\" height=\"298\" srcset=\"https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2018\/01\/Filas-em-banco-450x298.jpg 450w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2018\/01\/Filas-em-banco-220x146.jpg 220w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2018\/01\/Filas-em-banco-768x509.jpg 768w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2018\/01\/Filas-em-banco-150x100.jpg 150w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2018\/01\/Filas-em-banco-400x265.jpg 400w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2018\/01\/Filas-em-banco.jpg 820w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>atendimento pessoal, o mesmo servi\u00e7o pode dobrar de pre\u00e7o?<\/p>\n<p>Podemos citar, como exemplo, a tarifa de \u201ctransfer\u00eancia agendada de um DOC\/TED\u201d. Em um mesmo banco, nos TAA \u2013 Terminais de Auto Atendimento, esta tarifa tem um custo de R$ 12,00. J\u00e1, o mesmo servi\u00e7o, por\u00e9m, realizado nos guich\u00eas de atendimento pessoal, custa R$ 25,00 &#8211; acr\u00e9scimo de 108,33%.<\/p>\n<p>Quando se trata de \u201csaque\u201d no mesmo banco, enquanto o valor do servi\u00e7o realizado nos TAA custa R$ 2,00, no guich\u00ea de atendimento pessoal, sobe para R$ 3,00 &#8211; acr\u00e9scimo de 50%.<\/p>\n<p>Outro exemplo que pode gerar preju\u00edzo \u00e9 o h\u00e1bito de utilizar o cart\u00e3o de cr\u00e9dito para pagar conta de \u00e1gua, luz, etc, acreditando que ter\u00e1 um prazo maior para quitar o d\u00e9bito, ou at\u00e9 mesmo utilizar o cart\u00e3o de cr\u00e9dito para realizar saques.<\/p>\n<p>Um conta de energia no valor de R$ 200, se for paga com at\u00e9 30 dias de atraso, somente de encargos como multa, juros e corre\u00e7\u00e3o monet\u00e1ria, ser\u00e1 acrescida de um custo aproximado de R$ 7,00. Caso a op\u00e7\u00e3o de pagamento seja com o cart\u00e3o de cr\u00e9dito, a diferen\u00e7a pode aumentar para at\u00e9 R$ 25,50 (bem acima dos encargos cobrados no atraso).<\/p>\n<p>No caso do saque, independentemente da quantia, a taxa pode chegar a R$ 18,80. Considerando uma retirada de R$ 100,00, o custo final ser\u00e1 de 18,80%.<\/p>\n<p><strong>Saiba como ter custo \u201czero\u201d na manuten\u00e7\u00e3o da conta corrente<\/strong><\/p>\n<p>Quando o consumidor abre uma conta corrente, o banco deve previamente informar sobre os servi\u00e7os essenciais (gratuitos) estabelecidos por meio de Resolu\u00e7\u00e3o do Banco Central e que a contrata\u00e7\u00e3o de um pacote de servi\u00e7o \u00e9 opcional. No entanto, o que acontece na maioria dos casos, \u00e9 o consumidor contratar os pacotes servi\u00e7os \/ cestas de servi\u00e7os \/ manuten\u00e7\u00e3o de conta, acreditando que tratam-se de taxas compuls\u00f3rias.<\/p>\n<p>Dependendo da movimenta\u00e7\u00e3o mensal, os servi\u00e7os essenciais podem satisfazer a necessidade do consumidor, n\u00e3o sendo necess\u00e1ria a contrata\u00e7\u00e3o ou manuten\u00e7\u00e3o do pacote de servi\u00e7o oferecido pelos bancos.<\/p>\n<p>Os servi\u00e7os gratuitos s\u00e3o:<\/p>\n<table width=\"463\">\n<tbody>\n<tr>\n<td width=\"364\"><strong>SERVI\u00c7OS ESSENCIAIS &#8211; GRATUITOS<\/strong><\/td>\n<td width=\"99\"><strong>QTDE<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"364\"><strong>CONTA CORRENTE DE DEP\u00d3SITO A VISTA<\/strong><\/td>\n<td width=\"99\"><strong>EVENTOS<\/strong><\/td>\n<\/tr>\n<tr>\n<td width=\"364\">Fornecimento de cart\u00e3o com fun\u00e7\u00e3o d\u00e9bito<\/td>\n<td width=\"99\">*<\/td>\n<\/tr>\n<tr>\n<td width=\"364\">Saque mensal<\/td>\n<td width=\"99\">4 saques<\/td>\n<\/tr>\n<tr>\n<td width=\"364\">Transfer\u00eancia na pr\u00f3pria institui\u00e7\u00e3o (por m\u00eas)<\/td>\n<td width=\"99\">2<\/td>\n<\/tr>\n<tr>\n<td width=\"364\">Extrato banc\u00e1rio mov dos \u00faltimos 30 dias<\/td>\n<td width=\"99\">2<\/td>\n<\/tr>\n<tr>\n<td width=\"364\">Consulta ilimitada pela internet<\/td>\n<td width=\"99\">*<\/td>\n<\/tr>\n<tr>\n<td width=\"364\">Compensa\u00e7\u00e3o de cheques &#8211; indep. Valor<\/td>\n<td width=\"99\">*<\/td>\n<\/tr>\n<tr>\n<td width=\"364\">Folhas de cheque &#8211; desde que possua requisitos<\/td>\n<td width=\"99\">10 folhas<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"alignleft size-large wp-image-21900\" src=\"\/procon\/wp-content\/uploads\/sites\/19\/2016\/01\/caixa_eletronico-450x300.jpg\" alt=\"\" width=\"450\" height=\"300\" srcset=\"https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2016\/01\/caixa_eletronico-450x300.jpg 450w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2016\/01\/caixa_eletronico-220x147.jpg 220w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2016\/01\/caixa_eletronico-150x100.jpg 150w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2016\/01\/caixa_eletronico-400x266.jpg 400w, https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2016\/01\/caixa_eletronico.jpg 512w\" sizes=\"(max-width: 450px) 100vw, 450px\" \/>Vale ainda ressaltar que qualquer quantidade de saques realizados no per\u00edodo de at\u00e9 30 minutos \u00e9 considerada apenas como um \u00fanico evento.<\/p>\n<p>Portanto, se esses servi\u00e7os j\u00e1 suprem suas necessidades, voc\u00ea pode procurar o banco para pedir o cancelamento do servi\u00e7o. Se houver recusa, pode registrar a reclama\u00e7\u00e3o no Procon Goi\u00e1s.<\/p>\n<p><strong>Informa\u00e7\u00f5es gerais de interesse do consumidor<\/strong><\/p>\n<p>O valor das tarifas banc\u00e1rias n\u00e3o \u00e9 fixado pelo Banco Central do Brasil nem pelo Conselho Monet\u00e1rio Nacional. Os valores s\u00e3o estabelecidos pela pr\u00f3pria institui\u00e7\u00e3o financeira. As tarifas obedecem a uma padroniza\u00e7\u00e3o, ou seja, mesma nomenclatura em todos os bancos, o que facilita na hora de comparar os valores cobrados entre os bancos.<\/p>\n<p>O reajuste pode ser feito a cada 180 dias ap\u00f3s a \u00faltima atualiza\u00e7\u00e3o. No entanto, o consumidor deve ser previamente informado sobre os novos pre\u00e7os at\u00e9 30 dias antes de sua vig\u00eancia, em local e formato vis\u00edvel ao p\u00fablico, nas suas depend\u00eancias e nas p\u00e1ginas da internet.<\/p>\n<p>Os bancos ainda s\u00e3o obrigados a disponibilizar aos clientes, at\u00e9 o final de fevereiro de cada ano, um extrato consolidado informando, m\u00eas a m\u00eas, todas as tarifas e valores cobrados no ano anterior.<\/p>\n<p>Para acessar o relat\u00f3rio da pesquisa, <a href=\"\/procon\/wp-content\/uploads\/sites\/19\/2019\/09\/Planilha-Tarifa-Banc\u00e1ria-09-2019.pdf\"><em><u>clique aqui<\/u><\/em><\/a><\/p>\n<p>Para acessar a planilha de pre\u00e7os, <a href=\"\/procon\/wp-content\/uploads\/sites\/19\/2019\/09\/Planilha-Tarifa-Banc\u00e1ria-09-2019.pdf\"><em><u>clique aqui<\/u><\/em><\/a><\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>&nbsp; Valor varia de R$ 1,25\u00a0 a R$ 6,9 quando a transfer\u00eancia entre contas \u00e9 realizada nos guich\u00eas de atendimento pessoal Goi\u00e2nia, 17 de setembro de 2019 &#8211; Pesquisa do Procon Goi\u00e1s divulgada nesta ter\u00e7a-feira (17\/9) mostra\u00a0varia\u00e7\u00e3o de at\u00e9 452% na tarifa de \u201ctransfer\u00eancia entre contas na pr\u00f3pria institui\u00e7\u00e3o\u201d, quando realizada nos guich\u00eas de atendimento [&hellip;]<\/p>\n","protected":false},"author":34,"featured_media":16211,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7526,1186],"tags":[441,341,518,10803],"class_list":["post-45179","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-noticias-procon","category-pesquisas","tag-instituicoes-financeiras","tag-procon-goias","tag-tarifas-bancarias","tag-transferencias-bancarias"],"rttpg_featured_image_url":{"full":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1.jpg",350,249,false],"landscape":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1.jpg",350,249,false],"portraits":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1.jpg",350,249,false],"thumbnail":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1-140x120.jpg",140,120,true],"medium":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1-220x156.jpg",220,156,true],"large":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1.jpg",350,249,false],"1536x1536":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1.jpg",350,249,false],"2048x2048":["https:\/\/goias.gov.br\/procon\/wp-content\/uploads\/sites\/19\/2015\/03\/tarifa-banc\u00e1ria-1.jpg",350,249,false]},"rttpg_author":{"display_name":"celsoassis","author_link":"https:\/\/goias.gov.br\/procon\/author\/celsoassis\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/goias.gov.br\/procon\/categoria\/noticias-procon\/\" rel=\"category tag\">Not\u00edcias Procon Goi\u00e1s<\/a> <a href=\"https:\/\/goias.gov.br\/procon\/categoria\/pesquisas\/\" rel=\"category tag\">Pesquisas<\/a>","rttpg_excerpt":"&nbsp; Valor varia de R$ 1,25\u00a0 a R$ 6,9 quando a transfer\u00eancia entre contas \u00e9 realizada nos guich\u00eas de atendimento pessoal Goi\u00e2nia, 17 de setembro de 2019 &#8211; Pesquisa do Procon Goi\u00e1s divulgada nesta ter\u00e7a-feira (17\/9) mostra\u00a0varia\u00e7\u00e3o de at\u00e9 452% na tarifa de \u201ctransfer\u00eancia entre contas na pr\u00f3pria institui\u00e7\u00e3o\u201d, quando realizada nos guich\u00eas de atendimento&hellip;","_links":{"self":[{"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/posts\/45179","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/users\/34"}],"replies":[{"embeddable":true,"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/comments?post=45179"}],"version-history":[{"count":0,"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/posts\/45179\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/media\/16211"}],"wp:attachment":[{"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/media?parent=45179"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/categories?post=45179"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/goias.gov.br\/procon\/wp-json\/wp\/v2\/tags?post=45179"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}