Citizens who wish to make a transfer to another bank other than their own need to inform the TED or DOC number referring to the bank who will receive the transferred amount. Filling in this information correctly is extremely important so that the DOC or TED is not returned.
Another recurring situation that must be carried out with care and attention is the payment of the DOC or TED on the due date. Thus, if the individual completes any field with the wrong information or number, such as the bank number, the amount will be reversed 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, most citizens still have a big doubt about DOC and TED, not knowing when to use each one. In this way, some consumers carry out the transfer in the wrong way and end up having problems with the banks.
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 Santander you will need to correctly inform the data 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 CNPJ. If the data entered is wrong, the transferred amount will be reversed.
so that the TED held by Santander falls into the beneficiary account on the same day, the user must carry out the transaction within the bank's business hours. Thus, the transfer must be carried out during business hours, from 8 am to 5 pm and 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.
O Santander bank code for TED and DOC it is 33. 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 “transfers between accounts”.
TED and DOC refer only to transfers between accounts belonging to different banks.
If the customer wants to know his account and branch at Santander, he just needs to 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 institution'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 Santander, the amounts vary according to the location where the transaction will be carried out, as follows:
