{"id":260194,"date":"2026-08-09T02:05:00","date_gmt":"2026-08-09T05:05:00","guid":{"rendered":"https:\/\/www.em.com.br\/emfoco\/?p=260194"},"modified":"2026-08-08T20:25:00","modified_gmt":"2026-08-08T23:25:00","slug":"adeus-a-tarifa-quem-tem-conta-corrente-pode-fazer-4-saques-e-2-transferencias-por-mes-sem-pagar","status":"publish","type":"post","link":"https:\/\/www.em.com.br\/emfoco\/2026\/08\/09\/adeus-a-tarifa-quem-tem-conta-corrente-pode-fazer-4-saques-e-2-transferencias-por-mes-sem-pagar\/","title":{"rendered":"Adeus \u00e0 tarifa: quem tem conta-corrente pode fazer 4 saques e 2 transfer\u00eancias por m\u00eas sem pagar"},"content":{"rendered":"\n<div class=\"emf-summary google-auto-ads-ignore\">\n  <style>\n    .emf-summary {\n      --emf-navy:#00245a;\n      --emf-navy-soft:#0b3b70;\n      --emf-ink:#1d2731;\n      --emf-muted:#66727e;\n      --emf-line:#d7dde5;\n      --emf-paper:#ffffff;\n      --emf-wash:#f4f6f8;\n      box-sizing:border-box!important;\n      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block-size:52px;\n        flex-basis:52px;\n      }\n\n      .emf-summary-logo img {\n        inline-size:41px;\n        block-size:41px;\n        max-inline-size:41px;\n        max-block-size:41px;\n      }\n\n      .emf-summary-title {\n        font-size:22px;\n      }\n\n      .emf-summary-card {\n        padding:21px 16px 18px;\n      }\n    }\n  <\/style>\n\n  <div class=\"emf-summary-brand\">\n    <div class=\"emf-summary-logo\">\n      <img\n        alt=\"Logo EM Foco\"\n        decoding=\"async\"\n        fetchpriority=\"high\"\n        height=\"46\"\n        loading=\"eager\"\n        referrerpolicy=\"no-referrer\"\n        src=\"https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/08\/em_transparente_3000px-scaled.png\"\n        width=\"46\"\n      >\n    <\/div>\n\n    <div>\n      <div class=\"emf-summary-eyebrow\">EM FOCO<\/div>\n      <div class=\"emf-summary-title\">Resumo da mat\u00e9ria<\/div>\n    <\/div>\n  <\/div>\n\n  <div class=\"emf-summary-grid\">\n    <div class=\"emf-summary-card\">\n      <span aria-hidden=\"true\" class=\"emf-summary-number\">01<\/span>\n      <div aria-level=\"3\" class=\"emf-summary-card-title\" role=\"heading\">\n        Pacote gratuito\n      <\/div>\n      <div class=\"emf-summary-card-text\">\n        A conta pode ser mantida s\u00f3 com servi\u00e7os essenciais, sem mensalidade, quando o cliente n\u00e3o precisa de um pacote banc\u00e1rio mais amplo.\n      <\/div>\n      <div class=\"emf-summary-card-meta\">\n        sem mensalidade\n      <\/div>\n    <\/div>\n    <div class=\"emf-summary-card\">\n      <span aria-hidden=\"true\" class=\"emf-summary-number\">02<\/span>\n      <div aria-level=\"3\" class=\"emf-summary-card-title\" role=\"heading\">\n        Limites mensais\n      <\/div>\n      <div class=\"emf-summary-card-text\">\n        Entre os servi\u00e7os b\u00e1sicos est\u00e3o quatro saques, duas transfer\u00eancias dentro da mesma institui\u00e7\u00e3o e dois extratos com a movimenta\u00e7\u00e3o recente.\n      <\/div>\n      <div class=\"emf-summary-card-meta\">\n        por m\u00eas\n      <\/div>\n    <\/div>\n    <div class=\"emf-summary-card\">\n      <span aria-hidden=\"true\" class=\"emf-summary-number\">03<\/span>\n      <div aria-level=\"3\" class=\"emf-summary-card-title\" role=\"heading\">\n        Escolha do cliente\n      <\/div>\n      <div class=\"emf-summary-card-text\">\n        Pacotes pagos s\u00e3o opcionais. Se os limites gratuitos bastarem, o correntista pode pedir o uso apenas dos servi\u00e7os essenciais.\n      <\/div>\n      <div class=\"emf-summary-card-meta\">\n        op\u00e7\u00e3o gratuita\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Ter uma <strong>conta-corrente<\/strong> n\u00e3o obriga o cliente a pagar pacote mensal. H\u00e1 um conjunto de servi\u00e7os essenciais que inclui saques, transfer\u00eancias internas, extratos e cart\u00e3o de d\u00e9bito sem tarifa. A gratuidade vale dentro de limites definidos, e o banco pode cobrar somente o que exceder essa franquia mensal.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">O que a conta-corrente oferece sem tarifa?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A lista do <a href=\"https:\/\/www.bcb.gov.br\/meubc\/faqs\/p\/quais-os-servicos-essenciais-gratuitos-incluidos-na-conta-corrente\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Banco Central<\/strong><\/a> inclui <strong>4 saques por m\u00eas<\/strong>, cart\u00e3o com fun\u00e7\u00e3o d\u00e9bito e duas transfer\u00eancias entre contas da mesma institui\u00e7\u00e3o. Esses itens formam o n\u00facleo gratuito para movimentar uma conta de dep\u00f3sitos \u00e0 vista.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tamb\u00e9m entram <strong>2 extratos mensais<\/strong> com a movimenta\u00e7\u00e3o dos \u00faltimos 30 dias e consultas pela internet. A gratuidade n\u00e3o significa uso ilimitado de todos os canais: cada servi\u00e7o tem quantidade e condi\u00e7\u00e3o pr\u00f3prias, por isso vale acompanhar o que j\u00e1 foi usado no m\u00eas.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/04\/compra-online-1-1024x576.jpg\" alt=\"Banco Central refor\u00e7a seguran\u00e7a e permite reten\u00e7\u00e3o imediata de valores no Pix - nova regra do Pix\" class=\"wp-image-193913\" srcset=\"https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/04\/compra-online-1-1024x576.jpg 1024w, https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/04\/compra-online-1-300x169.jpg 300w, https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/04\/compra-online-1-768x432.jpg 768w, https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/04\/compra-online-1-750x422.jpg 750w, https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/04\/compra-online-1-1140x641.jpg 1140w, https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/04\/compra-online-1.jpg 1280w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><figcaption class=\"wp-element-caption\">Banco Central refor\u00e7a seguran\u00e7a e permite reten\u00e7\u00e3o imediata de valores no Pix<\/figcaption><\/figure>\n<\/div>\n\n\n<h2 class=\"wp-block-heading\">As 2 transfer\u00eancias gratuitas valem para qualquer banco?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">N\u00e3o. As <strong>2 transfer\u00eancias gratuitas<\/strong> previstas nesse pacote s\u00e3o entre contas da mesma institui\u00e7\u00e3o. Uma transfer\u00eancia tradicional enviada a outro banco n\u00e3o entra automaticamente nessa franquia, mesmo quando a conta usada pelo cliente \u00e9 do tipo corrente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A p\u00e1gina de <a href=\"https:\/\/www.bcb.gov.br\/estabilidadefinanceira\/tarifas_bancarias\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>tarifas banc\u00e1rias<\/strong><\/a> diferencia os servi\u00e7os gratuitos e os que podem ser cobrados. Por isso, conferir o nome da opera\u00e7\u00e3o antes de confirmar ajuda a separar uma transfer\u00eancia inclu\u00edda daquelas que seguem outra regra de cobran\u00e7a.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Como evitar cobran\u00e7a desnecess\u00e1ria na conta?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">O primeiro passo \u00e9 comparar sua rotina com a <strong>franquia gratuita<\/strong>. Quem usa poucos saques, extratos e transfer\u00eancias internas pode perceber que n\u00e3o precisa de um pacote mensal maior apenas para manter a conta funcionando.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Depois, \u00e9 \u00fatil olhar o extrato e identificar <strong>tarifas recorrentes<\/strong>. Se houver cobran\u00e7a por pacote, o cliente pode verificar qual servi\u00e7o est\u00e1 contratado, quanto custa e se os servi\u00e7os essenciais j\u00e1 atendem ao uso normal da conta.<\/p>\n\n\n\n<p class=\"myth-list-bridge wp-block-paragraph\">A seguir listamos <strong>4 pontos de confer\u00eancia<\/strong> que ajudam a verificar se o pacote pago faz sentido para sua rotina:<\/p>\n\n\n\n<ul class=\"wp-block-list myth-bullet-list\">\n<li><strong>Conte os saques:<\/strong> a franquia da conta-corrente prev\u00ea quatro por m\u00eas.<\/li>\n\n\n\n<li><strong>Separe as transfer\u00eancias:<\/strong> as duas gratuitas s\u00e3o para contas da mesma institui\u00e7\u00e3o.<\/li>\n\n\n\n<li><strong>Confira os extratos:<\/strong> h\u00e1 dois extratos mensais inclu\u00eddos entre os servi\u00e7os essenciais.<\/li>\n\n\n\n<li><strong>Revise o pacote:<\/strong> veja se a mensalidade paga entrega algo que voc\u00ea realmente usa.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Leia mais: <a href=\"https:\/\/www.em.com.br\/emfoco\/2026\/08\/05\/mulheres-sem-emprego-podem-receber-salario-maternidade-por-120-dias-se-ainda-mantiverem-este-vinculo-com-o-inss\/\" target=\"_blank\" rel=\"noreferrer noopener\">Mulheres sem emprego podem receber sal\u00e1rio-maternidade por 120 dias se ainda mantiverem este v\u00ednculo com o INSS<\/a><\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Qual \u00e9 a diferen\u00e7a entre o pacote gratuito e o pago?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Os <strong>servi\u00e7os essenciais<\/strong> t\u00eam franquias definidas e n\u00e3o exigem mensalidade. J\u00e1 um pacote pago re\u00fane quantidades maiores ou opera\u00e7\u00f5es adicionais por pre\u00e7o fixo, o que pode fazer sentido apenas quando a movimenta\u00e7\u00e3o supera com frequ\u00eancia os limites gratuitos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">O pr\u00f3prio <a href=\"https:\/\/www.bcb.gov.br\/meubc\/faqs\/p\/sou-obrigado-a-contratar-um-pacote-de-servicos\" target=\"_blank\" rel=\"noopener noreferrer\"><strong>Banco Central<\/strong><\/a> informa que a contrata\u00e7\u00e3o de pacote \u00e9 opcional. Assim, a escolha deve considerar a quantidade de opera\u00e7\u00f5es realmente usadas e n\u00e3o apenas a oferta apresentada no momento da abertura da conta.<\/p>\n\n\n\n<p class=\"myth-html-bridge wp-block-paragraph\">A seguir listamos <strong>4 servi\u00e7os do pacote b\u00e1sico<\/strong> que ajudam a comparar a franquia gratuita com uma cobran\u00e7a mensal:<\/p>\n\n\n\n<div class=\"emf-data-table google-auto-ads-ignore\">\n  <style>\n    .emf-data-table {\n      --emf-navy:#00245a;\n      --emf-navy-soft:#0b3b70;\n      --emf-ink:#1d2731;\n      --emf-muted:#66727e;\n      --emf-line:#d7dde5;\n      --emf-wash:#f4f6f8;\n      box-sizing:border-box!important;\n      inline-size:min(1100px,100%)!important;\n      max-inline-size:100%!important;\n      margin-inline:auto!important;\n      overflow:hidden!important;\n      color:var(--emf-ink);\n      background:#fff;\n      border:1px solid var(--emf-line);\n      border-radius:6px!important;\n      box-shadow:0 8px 24px 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font-weight:400!important;\n      line-height:1.5!important;\n      overflow-wrap:anywhere;\n    }\n\n    .emf-data-table tbody tr:nth-child(even) td {\n      background:var(--emf-wash)!important;\n    }\n\n    .emf-data-table tbody tr:hover td {\n      background:#eaf0f5!important;\n    }\n\n    .emf-data-table tbody tr:last-child td {\n      border-block-end:0!important;\n    }\n\n    .emf-data-table td:first-child {\n      color:var(--emf-navy)!important;\n      font-weight:700!important;\n    }\n\n    @media(max-width:560px) {\n      .emf-data-table-brand {\n        min-block-size:68px;\n        padding:9px 13px;\n      }\n\n      .emf-data-table-title {\n        font-size:19px;\n      }\n\n      .emf-data-table-scroll {\n        overflow:visible!important;\n      }\n\n      .emf-data-table table,\n      .emf-data-table thead,\n      .emf-data-table tbody,\n      .emf-data-table tr,\n      .emf-data-table th,\n      .emf-data-table td {\n        display:block!important;\n        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tr:nth-child(even) td,\n      .emf-data-table tbody tr:hover td {\n        display:grid!important;\n        grid-template-columns:minmax(105px,38%) minmax(0,1fr)!important;\n        align-items:start;\n        gap:11px;\n        padding:11px 12px!important;\n        background:#fff!important;\n        border-block-end:1px solid #e2e7ec!important;\n      }\n\n      .emf-data-table td::before {\n        content:attr(data-label);\n        color:var(--emf-muted);\n        font-size:10px;\n        font-weight:700;\n        letter-spacing:.06em;\n        line-height:1.35;\n        text-transform:uppercase;\n      }\n\n      .emf-data-table td:first-child {\n        color:var(--emf-navy)!important;\n        background:#edf1f5!important;\n      }\n\n      .emf-data-table td:last-child {\n        border-block-end:0!important;\n      }\n    }\n  <\/style>\n\n  <div class=\"emf-data-table-brand\">\n    <div class=\"emf-data-table-logo\">\n      <img\n        alt=\"Logo EM Foco\"\n        decoding=\"async\"\n        height=\"41\"\n        loading=\"lazy\"\n        referrerpolicy=\"no-referrer\"\n        src=\"https:\/\/www.em.com.br\/emfoco\/wp-content\/uploads\/2026\/08\/em_transparente_3000px-scaled.png\"\n        width=\"41\"\n      >\n    <\/div>\n\n    <div>\n      <div class=\"emf-data-table-kicker\">DADOS EM FOCO<\/div>\n      <div class=\"emf-data-table-title\">Servi\u00e7os b\u00e1sicos da conta<\/div>\n    <\/div>\n  <\/div>\n\n  <div aria-label=\"Tabela com servi\u00e7os essenciais da conta-corrente\" class=\"emf-data-table-scroll\" role=\"region\" tabindex=\"0\">\n    <table>\n      <caption>Resumo dos limites gratuitos de servi\u00e7os essenciais em conta-corrente<\/caption>\n      <thead>\n        <tr>\n          <th scope=\"col\">Servi\u00e7o<\/th>\n          <th scope=\"col\">Franquia gratuita<\/th>\n          <th scope=\"col\">Condi\u00e7\u00e3o<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td data-label=\"Servi\u00e7o\">Saques<\/td>\n          <td data-label=\"Franquia gratuita\">4 por m\u00eas<\/td>\n          <td data-label=\"Condi\u00e7\u00e3o\">Conta-corrente<\/td>\n        <\/tr>\n        <tr>\n          <td data-label=\"Servi\u00e7o\">Transfer\u00eancias<\/td>\n          <td data-label=\"Franquia gratuita\">2 por m\u00eas<\/td>\n          <td data-label=\"Condi\u00e7\u00e3o\">Mesma institui\u00e7\u00e3o<\/td>\n        <\/tr>\n        <tr>\n          <td data-label=\"Servi\u00e7o\">Extratos<\/td>\n          <td data-label=\"Franquia gratuita\">2 por m\u00eas<\/td>\n          <td data-label=\"Condi\u00e7\u00e3o\">\u00daltimos 30 dias<\/td>\n        <\/tr>\n        <tr>\n          <td data-label=\"Servi\u00e7o\">Cart\u00e3o<\/td>\n          <td data-label=\"Franquia gratuita\">1 fun\u00e7\u00e3o d\u00e9bito<\/td>\n          <td data-label=\"Condi\u00e7\u00e3o\">Emiss\u00e3o b\u00e1sica<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\">\u00c9 poss\u00edvel ficar apenas com os servi\u00e7os essenciais?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sim. O cliente pode optar pelos <strong>servi\u00e7os essenciais gratuitos<\/strong> em vez de manter um pacote pago. Se j\u00e1 houver um pacote contratado, \u00e9 poss\u00edvel pedir ao banco a mudan\u00e7a, observando eventuais opera\u00e7\u00f5es que deixar\u00e3o de estar inclu\u00eddas depois da altera\u00e7\u00e3o.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A principal aten\u00e7\u00e3o \u00e9 simples: <strong>gratuito n\u00e3o significa ilimitado<\/strong>. Ao ultrapassar a quantidade prevista para saques, transfer\u00eancias ou outros servi\u00e7os, pode haver tarifa avulsa. A melhor economia aparece quando a franquia gratuita combina com a rotina real de movimenta\u00e7\u00e3o.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>EM FOCO Resumo da mat\u00e9ria 01 Pacote gratuito A conta pode ser mantida s\u00f3 com servi\u00e7os essenciais, sem mensalidade, quando o cliente n\u00e3o precisa de um pacote banc\u00e1rio mais amplo. sem mensalidade 02 Limites mensais Entre os servi\u00e7os b\u00e1sicos est\u00e3o quatro saques, duas transfer\u00eancias dentro da mesma institui\u00e7\u00e3o e dois extratos com a movimenta\u00e7\u00e3o recente. [&hellip;]<\/p>\n","protected":false},"author":30,"featured_media":199089,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jnews-multi-image_gallery":[],"jnews_single_post":{"format":"standard"},"jnews_primary_category":[],"jnews_social_meta":[],"jnews_override_counter":[],"footnotes":""},"categories":[28],"tags":[2291,35851,11766,1809],"class_list":["post-260194","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economia","tag-bancos","tag-conta-corrente-2","tag-saques","tag-tarifas"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.1 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Adeus \u00e0 tarifa: quem tem conta-corrente pode fazer 4 saques e 2 transfer\u00eancias por m\u00eas sem pagar - Estado de Minas - Em foco<\/title>\n<meta name=\"description\" content=\"Conta-corrente tem servi\u00e7os essenciais sem tarifa, com limites mensais para saques, transfer\u00eancias e extratos.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.em.com.br\/emfoco\/2026\/08\/09\/adeus-a-tarifa-quem-tem-conta-corrente-pode-fazer-4-saques-e-2-transferencias-por-mes-sem-pagar\/\" \/>\n<meta property=\"og:locale\" content=\"pt_BR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Adeus \u00e0 tarifa: quem tem conta-corrente pode fazer 4 saques e 2 transfer\u00eancias por m\u00eas sem pagar - 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