{"id":846,"date":"2024-05-07T15:23:52","date_gmt":"2024-05-07T18:23:52","guid":{"rendered":"https:\/\/www.bancosemear.com.br\/docs\/?post_type=docs&#038;p=846"},"modified":"2024-05-24T16:57:26","modified_gmt":"2024-05-24T19:57:26","slug":"introducao-4","status":"publish","type":"docs","link":"https:\/\/www.bancosemear.com.br\/docs\/?docs=introducao-4","title":{"rendered":"Introdu\u00e7\u00e3o"},"content":{"rendered":"\n<p><strong>Transfer\u00eancia entre contas da mesma institui\u00e7\u00e3o (<\/strong><strong><em>b<\/em><\/strong><em><strong>ook transfer)<br><\/strong><\/em>\u00c9 a opera\u00e7\u00e3o de transfer\u00eancia de recursos envolvendo contas de clientes de uma mesma institui\u00e7\u00e3o financeira ou de pagamentos, comumente chamada de&nbsp;<em>book transfer<\/em>. Normalmente, o valor transferido \u00e9 creditado imediatamente na conta do credor, mesmo se a opera\u00e7\u00e3o ocorrer em finais de semana ou em dias n\u00e3o \u00fateis \u2013 a institui\u00e7\u00e3o, no entanto, pode estabelecer crit\u00e9rios para esse tipo de situa\u00e7\u00e3o.<\/p>\n\n\n\n<p>As regras aplic\u00e1veis ao&nbsp;<em>book transfer<\/em>&nbsp;s\u00e3o de responsabilidade de cada institui\u00e7\u00e3o financeira ou de pagamentos. N\u00e3o existe uma regra espec\u00edfica do Banco Central ou do Conselho Monet\u00e1rio Nacional (CMN) sobre o assunto. Apesar da discricionariedade, a&nbsp;<a href=\"https:\/\/www.bcb.gov.br\/pre\/normativos\/busca\/normativo.asp?numero=3694&amp;tipo=Resolu%C3%A7%C3%A3o&amp;data=26\/3\/2009\" target=\"_blank\" rel=\"noreferrer noopener\">Resolu\u00e7\u00e3o 3.694, de 26\/3\/2009open_in_new<\/a>,&nbsp;diz que as institui\u00e7\u00f5es financeiras devem oferecer produtos e servi\u00e7os adequados \u00e0s necessidades dos clientes e usu\u00e1rios, al\u00e9m de prestar as informa\u00e7\u00f5es necess\u00e1rias para que eles tomem decis\u00f5es de forma consciente.&nbsp;&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"330\" src=\"https:\/\/www.bancosemear.com.br\/docs\/wp-content\/uploads\/2024\/05\/caracteristicas-BookTransfer-1024x330.jpg\" alt=\"\" class=\"wp-image-1031\" srcset=\"https:\/\/www.bancosemear.com.br\/docs\/wp-content\/uploads\/2024\/05\/caracteristicas-BookTransfer-1024x330.jpg 1024w, https:\/\/www.bancosemear.com.br\/docs\/wp-content\/uploads\/2024\/05\/caracteristicas-BookTransfer-300x97.jpg 300w, https:\/\/www.bancosemear.com.br\/docs\/wp-content\/uploads\/2024\/05\/caracteristicas-BookTransfer-768x247.jpg 768w, https:\/\/www.bancosemear.com.br\/docs\/wp-content\/uploads\/2024\/05\/caracteristicas-BookTransfer-1536x495.jpg 1536w, https:\/\/www.bancosemear.com.br\/docs\/wp-content\/uploads\/2024\/05\/caracteristicas-BookTransfer-2048x660.jpg 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>Transfer\u00eancia entre contas da mesma institui\u00e7\u00e3o (book transfer)\u00c9 a opera\u00e7\u00e3o de transfer\u00eancia de recursos envolvendo contas de clientes de uma mesma institui\u00e7\u00e3o financeira ou de pagamentos, comumente chamada de&nbsp;book transfer. Normalmente, o valor transferido \u00e9 creditado imediatamente na conta do credor, mesmo se a opera\u00e7\u00e3o ocorrer em finais de semana ou em dias n\u00e3o \u00fateis &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/www.bancosemear.com.br\/docs\/?docs=introducao-4\"> <span class=\"screen-reader-text\">Introdu\u00e7\u00e3o<\/span> Leia mais &raquo;<\/a><\/p>\n","protected":false},"author":15,"featured_media":0,"parent":0,"comment_status":"open","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-global-header-display":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","footnotes":""},"doc_category":[19],"doc_tag":[],"class_list":["post-846","docs","type-docs","status-publish","hentry","doc_category-booktransfer-baas"],"_links":{"self":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/846","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs"}],"about":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/types\/docs"}],"author":[{"embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=846"}],"version-history":[{"count":3,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/846\/revisions"}],"predecessor-version":[{"id":1033,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=\/wp\/v2\/docs\/846\/revisions\/1033"}],"wp:attachment":[{"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=846"}],"wp:term":[{"taxonomy":"doc_category","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_category&post=846"},{"taxonomy":"doc_tag","embeddable":true,"href":"https:\/\/www.bancosemear.com.br\/docs\/index.php?rest_route=%2Fwp%2Fv2%2Fdoc_tag&post=846"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}