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Ver no navegador. 


 
Nesta ultima quarta-feira, 16 de julho de 2025, foi comunicada a decisao provisoria, que discute a validade dos Decretos 12.466/25, 12.467/25 e 12.499/25, os quais alteraram as regras do IOF, assim como do Decreto Legislativo 176/25, que havia suspendido esses decretos.


Com essa decisao, as regras do Decreto 12.499/25 voltam a valer desde a sua publicacao.


Confira o resumo sobre as principais alterações nas regras do IOF:



Operações de câmbio e cartões internacionais

O IOF passa a ter um único valor de 3,5% para:

• Remessas do Brasil ao exterior (inclui câmbio para disponibilidade simples por pessoa física);

• Compras internacionais com cartões de crédito, débito ou pré-pago.

Para operações de câmbio recebidas do exterior para o Brasil, o IOF continua em 0,38%.

As remessas do Brasil ao exterior com finalidade de investimento terão IOF de 1,1%.

O IOF será mantido em 0% para remessas do Brasil ao exterior no caso de retorno de recursos aplicados por investidor estrangeiro em participações societárias no Brasil.



Para aportes em VGBL

• Alíquota zero do IOF para aportes feitos entre 11/06/25 e 31/12/25 em planos VGBL: até R$ 300 mil (em uma mesma seguradora). Valores que excederem este limite terão alíquota de 5%.

• Para aportes feitos a partir de 01/01/26:
alíquota zero do IOF até R$ 600 mil (ainda que de seguradoras distintas). Valores que excederem este limite terão alíquota de 5%.



Para TVM (Fundos de Investimento em Direitos Creditórios – FIDC)

Alíquota de 0,38% sobre o valor de aquisição primária de cotas de FIDC, inclusive nas aquisições realizadas por instituições financeiras, não sendo aplicável à aquisição de cotas subscritas até 13/06/25 ou realizadas no mercado secundário.


Próximos passos:

A decisão já tem efeitos imediatos. A definição sobre a cobrança retroativa do IOF, referente às movimentações entre 26/06/2025 e 16/07/2025, ainda depende de aprovação da Receita Federal.

Seguiremos monitorando o tema e avisaremos caso haja qualquer novidade relevante.


Antes de contratar qualquer produto, confira sempre se é adequado ao seu perfil.

Itaú Vida e Previdência S.A.: CNPJ: 92.661.388/0001 90. Informações reduzidas. Prevalecemos termos dos regulamentos que você recebe na contratação dos planos, de acordo com a legislação vigente. O regulamento do plano poderá ser consultado no portal da Susep www.susep.gov.br. Os recursos dos planos são aplicados em fundos de investimento, que não possuem garantia de rentabilidade, podendo, inclusive, ter rentabilidade negativa. O registro desses planos na Susep não implica, por parte da autarquia, incentivo ou recomendação à sua comercialização. Os planos apresentam tributação no resgate ou recebimento de renda, conforme sua escolha na contratação: tributação progressiva compensável ou tributação regressiva definitiva. Consulte os regulamentos dos planos no site www.itau.com.br.


Diz pra gente: este 
conteúdo foi útil pra você?

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Precisa de ajuda? Entre em contato com a gente pelo chat do aplicativo: menu > chat

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itau.com.br 

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WhatsApp 

Central de atendimento
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descadastre-se. 


 


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<div class="preheader" style="font-size: 1px; display: none !important;">Saiba mais sobre os impactos e o que muda para você.</div>
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                    <!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table module-data-name="pre-header" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" style="text-align:left;"><img alt="Logo Itaú" class="g-img" src="https://www.itau.com.br/media/dam/m/3fee5ebb55dc06c6/original/figmails-pre_header-itau.png" style="width:480px; max-width:100%; height:auto; display:block; border:0;" width="480"></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
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<table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td data-image-size-max-width="480"><img class="g-img" src="https://www.itau.com.br/media/dam/m/2a0bc6f02ee31afc/original/00-BM0002327__31-png.png" style="width: 480px; max-width:100%; height:auto; display:block; border:0; " width="480"></td></tr></table></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table border="0" cellpadding="0" cellspacing="0" data-content-id="8019:1673" module-data-name="1C-txt-res-flu" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%">
	
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												<p style="font-family:Arial, sans-serif; margin:0; font-size: 16px; line-height: 24px; font-weight: 400;">
													<span style="color: #3e3e3e;">Nesta &uacute;ltima quarta-feira, 16 de julho de 2025, foi comunicada a decis&atilde;o provis&oacute;ria, que discute a validade dos Decretos 12.466/25, 12.467/25 e 12.499/25, os quais alteraram as regras do IOF, assim como do Decreto Legislativo 176/25, que havia suspendido esses decretos.<br>
													<br>
													Com essa decis&atilde;o, as regras do Decreto 12.499/25 voltam a valer desde a sua publica&ccedil;&atilde;o.</span></p></td></tr></table></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table module-data-name="1C-tit-txt-btn-res-flu" data-content-id="8019:1674" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%"><tr><td class="pd-20" data-attr-figmails="1C-tit-txt-btn-res-flu" style="padding-left:32px; padding-right:32px; padding-top: 24px; "><table border="0" data-content-id="I8019:1674;3267:446" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%">
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<table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p aria-level="3" role="heading" style="font-family:Arial, sans-serif; margin:0; font-size: 18px; line-height: 26px; font-weight: 700;"><span style="color: #000000;">Confira o resumo sobre as principais alterações nas regras do IOF:</span></p></td></tr></table></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table module-data-name="1C-caixa-tit-txt-btn-res-flu" data-content-id="8019:1675" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%"><tr>
<td class="pd-20" data-attr-figmails="1C-caixa-tit-txt-btn-res-flu" style="padding-left:32px; padding-right:32px;  "><table role="presentation" width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="border-collapse:collapse; border-spacing:0; min-width:100%; "><tr><td style="padding-top: 24px; ">
<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%; border-collapse:separate !important" width="100%"><tr><td style="padding:0px;   background: #f1f2f4; height: 16px; -webkit-border-top-left-radius: 8px; -moz-border-radius-topleft: 8px; border-top-left-radius: 8px;" width="30"></td><td style="padding:0px;  background: #f1f2f4;"></td><td style="padding:0px;   background: #f1f2f4; -webkit-border-top-right-radius: 8px; -moz-border-radius-topright: 8px; border-top-right-radius: 8px;" width="30"></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #f1f2f4;" width="100%"><tr>
<td style="  padding-left: 16px; padding-right: 16px;" valign="top"><table border="0" data-content-id="I8019:1675;3267:1573" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p aria-level="3" role="heading" style="font-family:Arial, sans-serif; margin:0; font-size: 18px; line-height: 24px; font-weight: 700;"><span style="color: #000000;">Operações de câmbio e cartões internacionais</span></p></td></tr></table></td></tr></table>
<table border="0" data-content-id="I8019:1675;3267:1574" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td style="padding-top: 16px;"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p style="font-family:Arial, sans-serif; margin:0; font-size: 16px; line-height: 24px; font-weight: 400;"><span style="color: #3e3e3e;">O IOF passa a ter um único valor de 3,5% para:<br><br><span style="font-weight: 700;color: #ff6200;">• </span>Remessas do Brasil ao exterior (inclui câmbio para disponibilidade simples por pessoa física);<br><br>
<span style="font-weight: 700;color: #ff6200;">• </span>Compras internacionais com cartões de crédito, débito ou pré-pago.<br><br>Para operações de câmbio recebidas do exterior para o Brasil, o IOF continua em 0,38%.<br><br>As remessas do Brasil ao exterior com finalidade de investimento terão IOF de 1,1%.<br><br>O IOF será mantido em 0% para remessas do Brasil ao exterior no caso de retorno de recursos aplicados por investidor estrangeiro em participações societárias no Brasil.</span></p></td></tr></table></td></tr></table></td></tr></table><table role="presentation" width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="border-collapse:collapse; border-spacing:0; min-width:100%; "><tr><td>
<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%; border-collapse:separate !important" width="100%"><tr><td style="padding:0px;background: #f1f2f4;   height: 16px; -webkit-border-bottom-left-radius: 8px; -moz-border-radius-bottomleft: 8px; border-bottom-left-radius: 8px;" width="30"></td><td style="padding:0px;background: #f1f2f4; " valign="top"></td><td style="padding:0px;background: #f1f2f4;   height: 16px; -webkit-border-bottom-right-radius: 8px; -moz-border-radius-bottomright: 8px; border-bottom-right-radius: 8px;" width="30"></td></tr></table></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table module-data-name="1C-caixa-tit-txt-btn-res-flu" data-content-id="8019:2108" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%"><tr><td class="pd-20" data-attr-figmails="1C-caixa-tit-txt-btn-res-flu" style="padding-left:32px; padding-right:32px;  "><table role="presentation" width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="border-collapse:collapse; border-spacing:0; min-width:100%; "><tr><td style="padding-top: 24px; ">
<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%; border-collapse:separate !important" width="100%"><tr><td style="padding:0px;   background: #f1f2f4; height: 16px; -webkit-border-top-left-radius: 8px; -moz-border-radius-topleft: 8px; border-top-left-radius: 8px;" width="30"></td><td style="padding:0px;  background: #f1f2f4;"></td><td style="padding:0px;   background: #f1f2f4; -webkit-border-top-right-radius: 8px; -moz-border-radius-topright: 8px; border-top-right-radius: 8px;" width="30"></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #f1f2f4;" width="100%"><tr>
<td style="  padding-left: 16px; padding-right: 16px;" valign="top"><table border="0" data-content-id="I8019:2108;3267:1573" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p aria-level="3" role="heading" style="font-family:Arial, sans-serif; margin:0; font-size: 18px; line-height: 24px; font-weight: 700;"><span style="color: #000000;">Para aportes em VGBL</span></p></td></tr></table></td></tr></table>
<table border="0" data-content-id="I8019:2108;3267:1574" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td style="padding-top: 16px;"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p style="font-family:Arial, sans-serif; margin:0; font-size: 16px; line-height: 24px; font-weight: 400;"><span style="color: #3e3e3e;"><span style="font-weight: 700;color: #ff6200;">• </span>Alíquota zero do IOF para aportes feitos entre <span style="font-weight: 700;">11/06/25</span> e <span style="font-weight: 700;">31/12/25
</span> em planos VGBL: até R$ 300 mil (em uma mesma seguradora). Valores que excederem este limite terão alíquota de 5%.<br><br><span style="font-weight: 700;color: #ff6200;">• </span><span style="font-weight: 700;">Para aportes feitos a partir de 01/01/26:<br></span>alíquota zero do IOF até R$ 600 mil (ainda que de seguradoras distintas). Valores que excederem este limite terão alíquota de 5%.</span></p></td></tr></table></td></tr></table></td></tr></table><table role="presentation" width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="border-collapse:collapse; border-spacing:0; min-width:100%; "><tr><td><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%; border-collapse:separate !important" width="100%">
<tr><td style="padding:0px;background: #f1f2f4;   height: 16px; -webkit-border-bottom-left-radius: 8px; -moz-border-radius-bottomleft: 8px; border-bottom-left-radius: 8px;" width="30"></td><td style="padding:0px;background: #f1f2f4; " valign="top"></td><td style="padding:0px;background: #f1f2f4;   height: 16px; -webkit-border-bottom-right-radius: 8px; -moz-border-radius-bottomright: 8px; border-bottom-right-radius: 8px;" width="30"></td></tr></table></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table module-data-name="1C-caixa-tit-txt-btn-res-flu" data-content-id="8019:2109" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%"><tr>
<td class="pd-20" data-attr-figmails="1C-caixa-tit-txt-btn-res-flu" style="padding-left:32px; padding-right:32px;  "><table role="presentation" width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="border-collapse:collapse; border-spacing:0; min-width:100%; "><tr><td style="padding-top: 24px; ">
<table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%; border-collapse:separate !important" width="100%"><tr><td style="padding:0px;   background: #f1f2f4; height: 16px; -webkit-border-top-left-radius: 8px; -moz-border-radius-topleft: 8px; border-top-left-radius: 8px;" width="30"></td><td style="padding:0px;  background: #f1f2f4;"></td><td style="padding:0px;   background: #f1f2f4; -webkit-border-top-right-radius: 8px; -moz-border-radius-topright: 8px; border-top-right-radius: 8px;" width="30"></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #f1f2f4;" width="100%"><tr>
<td style="  padding-left: 16px; padding-right: 16px;" valign="top"><table border="0" data-content-id="I8019:2109;3267:1573" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p aria-level="3" role="heading" style="font-family:Arial, sans-serif; margin:0; font-size: 18px; line-height: 24px; font-weight: 700;"><span style="color: #000000;">Para TVM (Fundos de Investimento em Direitos Creditórios – FIDC)</span></p></td></tr></table></td></tr></table>
<table border="0" data-content-id="I8019:2109;3267:1574" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td style="padding-top: 16px;"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p style="font-family:Arial, sans-serif; margin:0; font-size: 16px; line-height: 24px; font-weight: 400;"><span style="color: #3e3e3e;">Alíquota de 0,38% sobre o valor de aquisição primária de cotas de FIDC, inclusive nas aquisições realizadas por instituições financeiras, não sendo aplicável à aquisição de cotas subscritas até 13/06/25 ou realizadas no mercado secundário.</span></p>
</td></tr></table></td></tr></table></td></tr></table><table role="presentation" width="100%" align="center" cellspacing="0" cellpadding="0" border="0" style="border-collapse:collapse; border-spacing:0; min-width:100%; "><tr><td><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%; border-collapse:separate !important" width="100%"><tr><td style="padding:0px;background: #f1f2f4;   height: 16px; -webkit-border-bottom-left-radius: 8px; -moz-border-radius-bottomleft: 8px; border-bottom-left-radius: 8px;" width="30"></td><td style="padding:0px;background: #f1f2f4; " valign="top"></td>
<td style="padding:0px;background: #f1f2f4;   height: 16px; -webkit-border-bottom-right-radius: 8px; -moz-border-radius-bottomright: 8px; border-bottom-right-radius: 8px;" width="30"></td></tr></table></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table module-data-name="1C-name-txt-flu" data-content-id="8019:1679" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%"><tr><td class="pd-20" data-attr-figmails="1C-name-txt-flu" style="padding-left:32px; padding-right:32px; padding-top: 32px; padding-bottom: 24px;">
<table border="0" data-content-id="I8019:1679;21:67" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td>
<table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="center" valign="top"><p aria-level="3" role="heading" style="font-family:Arial, sans-serif; margin:0; font-size: 18px; line-height: 27px; font-weight: 700;"><span style="color: #000000;">Próximos passos:</span></p></td></tr></table></td></tr></table><table border="0" data-content-id="I8019:1679;21:68" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td style="padding-top: 32px;"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr>
<td align="center" valign="top"><p style="font-family:Arial, sans-serif; margin:0; font-size: 16px; line-height: 24px; font-weight: 400;"><span style="color: #3e3e3e;">A decisão já tem efeitos imediatos. A definição sobre a cobrança retroativa do IOF, referente às movimentações entre 26/06/2025 e 16/07/2025, ainda depende de aprovação da Receita Federal.<br><br>Seguiremos monitorando o tema e avisaremos caso haja qualquer novidade relevante.</span></p></td></tr></table></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table module-data-name="1C-line-res-flu" data-content-id="8019:1680" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%"><tr>
<td class="pd-20" data-attr-figmails="1C-line-res-flu" style="padding-left:32px; padding-right:32px; padding-top: 16px; padding-bottom: 16px;"><table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%; background: #ff6200;" width="100%"><tr>
<td height="1" style="padding:0px; margin:0px; font-size:1px; line-height:1px; height: 1px; ">&nbsp;</td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table module-data-name="1C-txt-res-flu" data-content-id="8019:1681" border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%; background: #ffffff;" width="100%"><tr><td class="pd-20" data-attr-figmails="1C-txt-res-flu" style="padding-left:32px; padding-right:32px; padding-top: 24px; padding-bottom: 24px;"><table border="0" data-content-id="I8019:1681;3267:482" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td>
<table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-collapse:collapse; border-spacing:0; min-width:100%;" width="100%"><tr><td align="left" valign="top"><p style="font-family:Arial, sans-serif; margin:0; font-size: 11px; line-height: 14px; font-weight: 400;"><span style="color: #3e3e3e;">Antes de contratar qualquer produto, confira sempre se é adequado ao seu perfil.<br> 
<br>Itaú Vida e Previdência S.A.: CNPJ: 92.661.388/0001 90. Informações reduzidas. Prevalecemos termos dos regulamentos que você recebe na contratação dos planos, de acordo com a legislação vigente. O regulamento do plano poderá ser consultado no portal da Susep www.susep.gov.br. Os recursos dos planos são aplicados em fundos de investimento, que não possuem garantia de rentabilidade, podendo, inclusive, ter rentabilidade negativa. O registro desses planos na Susep não implica, por parte da autarquia, incentivo ou recomendação à sua comercialização. Os planos apresentam tributação no resgate ou recebimento de renda, conforme sua escolha na contratação: tributação progressiva compensável ou tributação regressiva definitiva. Consulte os regulamentos dos planos no site www.itau.com.br.
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<span style="font-weight: 400;">0800 570 0011<br>Se não ficar satisfeito com a solução apresentada, contate a Ouvidoria em dias úteis, das 9h às 18h.<br></span><br>• Deficiente auditivo/fala:<br><span style="font-weight: 400;">App Itaú ou Internet Banking &gt; Menu &gt; Atendimento &gt; Ajuda &gt; acessível em Libras &gt; acessar a Central de Libras.<br>Segunda a sexta, das 8h às 20h.<br><br>Atendimento em Libras também disponível nas agências.<br>Segunda a sexta, das 10h às 16h.<br></span><br>SAC:&nbsp;<span style="font-weight: 400;">0800 722 1722<br>24h por dia, 7 dias por semana.</span></p></td></tr></table></td></tr></table></td></tr></table><!----><!----><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
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