Digital accounts: which institutions appear in Registrato?
Find out which institutions appear in Registrato It is essential for anyone seeking to have complete control over their digital accounts and personal finances.
This report from the Central Bank reveals where you have active or terminated financial relationships.
What you will learn in this guide:
- The role of the Central Bank in monitoring bank accounts.
- Types of institutions and digital accounts listed in the system.
- How to view the CCS report step-by-step for free.
- Reasons why an old digital account might appear listed in the report.
- Practical steps to take if you find an unknown registration associated with your CPF (Brazilian tax identification number).
What is Registrato and how does it monitor digital accounts?
Registrato is a free system developed by the Central Bank of Brazil to allow citizens to access their consolidated financial information.
It centralizes data on loans, Pix keys, foreign exchange transactions, and bank affiliations.
The tool extracts data from the Customer Registry of the National Financial System, known by the acronym CCS.
This database records where customers hold assets, deposits, and investments throughout the country.
Currently, the growth of fintechs and virtual banks has made monitoring this report crucial.
The system prevents forgotten bills or fraud from going unnoticed by the CPF holder.
So, which institutions appear in the Central Bank's Registrato?
All entities authorized to operate by the Central Bank must send data to the CCS daily.
This includes traditional banks, credit unions, and regulated fintech companies that offer payment services.
Therefore, the institutions appear in Registrato Regardless of whether they are physical banks or entirely virtual banks.
If the entity is licensed to handle national currency, this information will be included in the client's report.
The most popular digital accounts in the Brazilian market are usually listed in the system. Institutions such as Nubank, Banco Inter, C6 Bank, PagBank, and PicPay are required to report the opening and closing of accounts.
Credit, Financing and Investment Companies (SCFI)
Many digital wallets and payment apps operate in partnership with SCFIs, or Direct Credit Companies.
In these cases, the name displayed in the report may be that of the banking partner responsible for custody.
For example, a payment application might use the infrastructure of a partner institution to operate.
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Therefore, the app's trade name may not appear directly, but rather the corporate name of the clearing bank.
Table: Comparison of digital accounts and records in the system.
Below, see how the main digital accounts and types of financial entities are typically identified during your formal consultation with the Central Bank's system:
| Trade Name / Type | Institution Category | As stated in the CCS Report |
| Nubank | Nu Pagamentos SA. | Nu Pagamentos SA. |
| Banco Inter | Multiple Bank | Banco Inter SA. |
| C6 Bank | Multiple Bank | C6 Bank SA. |
| Mercado Pago | Payment Institution | Mercado Pago IP Ltda. |
| PicPay | Payment Institution | PicPay Payment Institution SA. |
| Avenue | Brokerage / Distribution | Avenue Securities DTVM Ltda. |
To understand the operational guidelines of these companies in detail, you can consult their official website. Central Bank regulation about the National Financial System.
Types of accounts and relationships listed in the report.
The Financial Links (CCS) report highlights various types of active relationships between clients and institutions.
It displays specific data to ensure complete transparency regarding the transactions linked to your document.
Among the items listed are checking accounts, savings accounts, prepaid and postpaid payment accounts, as well as investment accounts.
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Even options with a zero balance appear as active in the system history.
Payment accounts and digital wallets
Prepaid payment accounts, used by most digital wallets, are registered at the time of opening.
Even without a maintenance fee, the legal relationship exists and remains visible until formal termination.
In addition, investment accounts at brokerage firms and online platforms are also included in this list.
If the platform holds assets in custody, the responsible institution will report the relationship to the regulatory body.
Why does an old digital account still appear on your report?
Many users close the digital account app and believe the service has been discontinued.
However, deleting the app from your phone does not terminate the existing legal contract between the parties involved in the transaction.
When formal closure does not occur through official channels, the institution keeps the registration active in the database.
For this reason, the institutions appear in Registrato even after years of account inactivity.
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To remove an entity from your list of relationships, you need to request the permanent cancellation of the service.
The closure must be done via chat, email, or the settings tab of the financial application.
Step-by-step: How to check your digital accounts on Registrato
Verifying your financial information is a simple, free process done entirely online.
Access is unified through the federal government's platform to ensure complete data security.
- Access the official portal of the Central Bank of Brazil's system.
- Log in using your account. Gov.br (Silver or Gold level).
- Locate the option My Financial Ties (CCS Report) on the initial panel.
- Click on the option to generate a consolidated report of your financial history.
- Accept the terms of use and download the file in PDF format.
The generated document will show the exact date the relationship with each financial institution began.
If the account was closed correctly, the termination date will also be present in the file.
What should you do if you find an unknown account in your name?
If you see an account with an institution you've never used before, you may be facing an unauthorized account opening.
Scammers use leaked data to open fraudulent digital accounts and carry out illegal transactions in the name of third parties.
The first step should be to contact the Customer Service Department of the identified institution directly.
Request the immediate blocking and termination of the registration, as well as a copy of the account opening contract.
Next, file a police report detailing the misuse of your personal data.
This documentation protects you against potential improper charges or the inclusion of your name in credit protection agencies.
To stay informed about irregularities and protect your data from unauthorized registrations, follow the news portal of [website/platform name]. Consumidor.gov.br to register formal complaints against financial institutions.
Conclusion
Keep track of which institutions appear in Registrato It is one of the most efficient ways to maintain your financial health and the security of your personal data.
The report offers a clear and detailed overview of your entire history with banks and fintech companies.
With the rise in popularity of digital accounts, checking this document periodically prevents unpleasant surprises such as forgotten bills or potential fraud.
Ongoing prevention ensures that only services authorized by you remain active under your CPF (Brazilian tax identification number).
If you notice any inconsistencies in your information, act quickly by contacting the responsible financial institution and the relevant credit protection agencies.
Maintaining control over your banking relationships is a fundamental step towards having peace of mind in the digital environment.
Frequently Asked Questions
1. How long does it take for a closed account to disappear from Registrato?
After the account is permanently cancelled, the financial institution has a regulatory period of up to two business days to update the data in the Central Bank's CCS system.
2. Do the registered Pix keys show where I have a digital account?
Yes, however, the Pix key report is separate from the financial links report. While the Pix report shows the active keys, the CCS report lists all open accounts.
3. Is it necessary to pay a fee to issue the report at the Central Bank?
No. Access to Registrato and the issuance of all financial reports available on the Central Bank's platform are 100% free for any Brazilian citizen holding a CPF (Brazilian taxpayer identification number).
4. Do simple payment apps appear in the report list?
Only if the company acts as an authorized payment institution or has a partnership with a clearing bank.
Wallets that maintain a balance and offer banking services are required to report to the system.
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