have you already received any smudged note pink paint or damaged? This is undoubtedly a problem, as the bank will refuse to receive this type of currency. But then, what to do in this situation?
THE pink spot on the bills signals that the money comes from robberies. That's because most ATMs today are programmed to drop a colored ink on the banknotes, in order to use them in cases of theft.
To prevent and avoid losing money, it is important to know what to do when you receive a tarnished bill! In this post, you will learn:
- What to do when you receive a stained note?;
- How to identify if a banknote has lost its value?;
- Is there the possibility of reimbursement?.
What to do when you receive a stained bill?
Sometimes, in the rush of everyday life, we don't notice the details! If you have a store, you might end up getting smudged note or even faked without realizing it. Or, when you make a withdrawal from the ATM, you don't even realize that you've picked up an unused banknote.
Therefore, try to be always attentive. According to the Central Bank, you must always refuse pink-spotted notes. It is not necessary to file a police report.
According to data from the UK residents Federation of Banks (Febraban), in 2021, the equipment that releases ink and uses banknotes has already been installed in more than 76% municipalities with up to 50,000 inhabitants. In cities between 50 to 500 thousand, 30% of the cashiers already have technology.
According to projections, the idea is to cover the entire country by 2021.
So there are two cases. The first is when the smudged note was achieved in cash machine. The recommendation is that you look for the agency of the Bank in which you took out the money and present the stained note. They are forced to change the note.
This process does not require any kind of proof because the bank records all types of transactions. In addition, it is also valid for non-account holders.
The second case is a little more complicated: when you receive the smudged bill in Thing.
In this case, the bank will write down your data (name, address, CPF or CNPJ) and send the ballot for analysis at the Central Bank.
If it is proven that the stain was not caused by an anti-theft mechanism, the citizen will be reimbursed by the bank. Otherwise there will be no refund.
How to identify if a banknote has lost its value?
People increasingly prefer to use other forms of payment, such as cards. Even so, the circulation of paper banknotes is still necessary in some specific situations.
So what to do when that bill is spent or smeared with pink paint? How valid is it? Pay attention to these three types of damage:
- unusable banknotes: notes worn by use but still usable. In this case, banks must collect the banknotes and forward them to the Central Bank for destruction;
- torn bills: the torn, hollowed out or scratched notes. Despite having value for deposit and payment, these banknotes also need to be properly exchanged by the bank;
- mutilated bills: when the banknote loses a good part of its original size, it completely loses its value.
In summary, if the note is a little torn, dirty or even stained with a pen, it can still be used. Although, if the money is stained with pink paint you can't enjoy.
This ink is intentionally used in ATMs to distinguish which banknotes are the result of criminal actions.
So if you receive a stained ballot (even if they're small spots), don't try to go over them. Try to get a refund!
Is there the possibility of reimbursement?
In the topic above we saw in which situation a pink-spotted note may or may not be reimbursed. But are there other cases?
you already forgot money in the pants pocket and put the garment to wash? You can even save the banknote by putting it in the sun, but be aware that the Central Bank can replace the damaged banknote with a new one.
In cases of stains, cuts and tears, the banknote is still usable as long as the damage does not reach more than 50% of the grade. In this case, prefer the substitution instead of continuing to pass the note.
The presence of scribbles also does not render the banknote useless, but it is classifiable by the Central Bank as inappropriate for use.
Also be careful not to accept a fake note!
My banknote was damaged: do you have any homemade solutions?
As we explained earlier, you can even try to save the ballot by putting it in the sun, if it's wet!
However, in all others, it is recommended that you send the bill to the Central Bank, so that they can assess the possibility of reimbursement. The complaint can be made through the official website.
So don't try to “fix” or disguise the damage at home. The ballot could get even worse. Prevention is the best solution for not Lose money.
As we have seen, the banknotes may have been stained pink due to an anti-theft system. This invalidates the note, but some unsuspecting people may continue to use it normally.
If you identify pink spots on the bill, decline receipt. Or, go to the bank, explain the situation and ask for compensation. The important thing is not to pass the dubious ballot!
Now that you know how to identify when the money is still valid or not, you can receive your change more securely. Follow the tips above and keep an eye out!
Money with security and low cost: UK citizens do not give up!
Offering corporate benefits that help to handle money safely is a way to prevent employees from having problems such as stained bills.
Get to know the tool HR Consultant UKy and learn how the system that implements the payment on demand, that is, the employees of a company can advance part of their salaries when they need it.
This tool is changing the way employees handle their salary and generating more satisfaction and motivation at work.
HR Consultant UKy can be one of the benefits most valued by those who work in your company. Talk to an expert and learn more!
If you liked this post, follow us on social media! we are in Facebook, Instagram, Twitter and LinkedIn.
HR Consultant UK can help if you have any questions about Spotted note: what to do?
. Our HR consultant in London can assist you if you live in London. Suppose you live further afield thats not an issue! Visit our HR Consultants Near Me page to find the best consultancy nearest to you.
See you next time!