Vanderley Muniz, a Lawyer from Americana - SP, answered this curious doubt on an internet site, and this valuable information is worth sharing.
We have certainly faced doubts regarding the possibility of accepting fragmented banknotes, with a missing part, or even whole but excessively worn by use, and also those marked with strange characters.
This doubt is quite common in the merchant's daily life, who often ends up refusing the customer's money, losing a sale.
Does this money, in a broad sense, maintain its value, meaning, despite the damage, can it be used as a form of payment? Can the merchant accept it?
The Central Bank regulates this issue, stating that fragmented banknotes, or those with a missing part, as long as they have a fragment clearly larger than half of their original size, maintain their value and can be exchanged, deposited, or used for payment in the banking network, which will then arrange for their withdrawal from circulation.
The same treatment is given by the Central Bank to banknotes that are torn, cut, damaged by fire, ink, termites, or physical agents, or to whole banknotes that are worn out by excessive use, or marked with strange characters.
On the other hand, banknotes that are fragmented or with missing parts, whose remaining portion is no longer more than half of the original, become unsuitable for circulation, losing their intrinsic value, that is, their legal tender status.
In summary, we can consider that: if the banknote is damaged, and the presented fragment corresponds to more than half of the original size, it can be accepted, maintaining, through the Central Bank's regulations, its value for exchange, deposit, or payment in the banking network.
In this regard, as seen, the merchant will not suffer losses if they receive money under the aforementioned conditions, and it is certain, moreover, that they usually have greater access to the banking system than their customer, in order to carry out the operations mentioned above.
Therefore, the acceptance of banknotes under these conditions should be guided by common sense, and can represent a way to approach customers and make a sale that might not otherwise occur.
The same applies to metal coins when presented perforated, disfigured, or bent, as long as they are whole and there is no doubt about their value.
Original source, visit: http://forum.jus.uol.com.br/43340/-dinheiro-rasgado-/
Vanderley Muniz, a Lawyer from Americana - SP, answered this curious doubt on an internet site, and this valuable information is worth sharing.
We have certainly faced doubts regarding the possibility of accepting fragmented banknotes, with a missing part, or even whole but excessively worn by use, and also those marked with strange characters.
This doubt is quite common in the merchant's daily life, who often ends up refusing the customer's money, losing a sale.
Does this money, in a broad sense, maintain its value, meaning, despite the damage, can it be used as a form of payment? Can the merchant accept it?
The Central Bank regulates this issue, stating that fragmented banknotes, or those with a missing part, as long as they have a fragment clearly larger than half of their original size, maintain their value and can be exchanged, deposited, or used for payment in the banking network, which will then arrange for their withdrawal from circulation.
The same treatment is given by the Central Bank to banknotes that are torn, cut, damaged by fire, ink, termites, or physical agents, or to whole banknotes that are worn out by excessive use, or marked with strange characters.
On the other hand, banknotes that are fragmented or with missing parts, whose remaining portion is no longer more than half of the original, become unsuitable for circulation, losing their intrinsic value, that is, their legal tender status.
In summary, we can consider that: if the banknote is damaged, and the presented fragment corresponds to more than half of the original size, it can be accepted, maintaining, through the Central Bank's regulations, its value for exchange, deposit, or payment in the banking network.
In this regard, as seen, the merchant will not suffer losses if they receive money under the aforementioned conditions, and it is certain, moreover, that they usually have greater access to the banking system than their customer, in order to carry out the operations mentioned above.
Therefore, the acceptance of banknotes under these conditions should be guided by common sense, and can represent a way to approach customers and make a sale that might not otherwise occur.
The same applies to metal coins when presented perforated, disfigured, or bent, as long as they are whole and there is no doubt about their value.
Original source, visit: http://forum.jus.uol.com.br/43340/-dinheiro-rasgado-/
