To make a transfer to another bank that is not yours, you must inform the number of the TED or DOC referring to bank that will receive the transferred amount. Filling in this information correctly is extremely important so that the DOC or TED are not returned.
Another important situation that must be carried out with care and attention is the payment of the DOC or TED on its due date. Thus, if the individual completes any field with the wrong information or number, such as the bank number, the amount will be returned and the account will not be considered paid. In this way, the citizen will have to bear interest and fines due to late payment of the account.
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However, a large part of the population still has a great deal of doubt in relation to DOC and TED, without knowing how to differentiate between the two options. In this way, some consumers carry out the transfer in the wrong way and end up having headaches.
DOC makes reference to the Credit Order Document. With the DOC, it is possible for the customer to make a transfer of up to BRL 4,999.99 to an account at a different bank than the one he has an account with. When using the DOC, the amount transferred will not be deposited on the same day the transfer takes place, requiring a wait of one business day to receive the amount in the beneficiary account.
TED refers to Wire Transfer Available, which makes it possible to transfer amounts of up to R$ 30,000. However, the amount available for the transaction may vary according to the limit made available by the bank for each customer.
A difference between DOC and TED is the amount that can be transferred to another bank. In addition, TED has the advantage that the amount transferred is carried out on the spot, allowing the amount to fall into the beneficiary account on the same day.
However, this advantage only applies to transfers made on business days, during bank opening hours. If the transaction takes place on other days and times, it will be necessary to wait for the start of each bank's working period.
The consumer who wishes to carry out a DOC or TED at Caixa Econômica Federal you will need to inform all the details of the person or company that will receive the amount transferred. These data refer to the bank and agency code, in addition to the current account number and CPF or CNP. If the data entered is wrong, the transferred amount will be reversed.
so that the TED held by Caixa falls into the beneficiary account on the same day, the user must carry out the transaction within the bank's business hours. In this way, the transfer must be carried out between the period of 7 am to 5 pm, from Monday to Friday. If the TED is performed outside this period, the amount will be credited to the other account only on the next business day.
The code referring to Caixa Econômica Federal for TED and DOC is 104.
It is worth remembering that it is not possible to carry out these operations for accounts of the same bank. In this case, the transaction is called “interaccount transfers”. TED and DOC are valid only for transfers between accounts belonging to different banks.
If the customer wants to know his account and branch at Caixa, just look at his checkbook or the back of his bank debit card. In addition, it is also possible to consult the number on bank statements or through the bank's online service.
Each TED or DOC transfer will generate a fee that must be paid by the individual carrying out the transaction. In this way, each bank has a different value for the fee that will be charged.
At Caixa, the values vary according to the place where the transaction will be carried out. Are they:
See too: Number of Banks For DOC and TED – ALL!