{"id":46239,"date":"2025-12-03T12:11:20","date_gmt":"2025-12-03T15:11:20","guid":{"rendered":"https:\/\/www.plbrasil.com.br\/bc-protege-a-new-tool-from-the-central-bank-of-brazil-against-unauthorized-account-openings\/"},"modified":"2025-12-08T10:31:07","modified_gmt":"2025-12-08T13:31:07","slug":"bc-protege-a-new-tool-from-the-central-bank-of-brazil-against-unauthorized-account-openings","status":"publish","type":"post","link":"https:\/\/www.plbrasil.com.br\/en\/bc-protege-a-new-tool-from-the-central-bank-of-brazil-against-unauthorized-account-openings\/","title":{"rendered":"BC Protege+: A new tool from the Central Bank of Brazil against unauthorized account openings"},"content":{"rendered":"

BC Protege+ is a free, voluntary tool launched by the Central Bank of Brazil that allows individuals and legal entities to proactively block the opening of new checking, savings, or payment accounts in their name. <\/p>\n<\/div><\/div><\/div><\/div><\/div>

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By activating the service, the Individual Taxpayer’s Register (CPF) or National Corporate Taxpayer’s Register (CNPJ) becomes part of a database that banks are required to consult before opening any account. Therefore, if there is an attempt to create an account without authorization, the institution must automatically reject the transaction. <\/p>\n<\/div><\/div><\/div><\/div><\/div>

Why did the Central Bank launch BC Protege+? <\/h2>\n

The rise in fraud involving the opening of bank accounts with forged identities or data stolen has prompted the creation of a preventative blocking mechanism. Especially with the rise of fintechs<\/i>, digital banks, and online services, it has become urgent to offer users a tool that guarantees control over their CPF or CNPJ within the financial system. <\/p>\n<\/p>\n

The Central Bank considered that simply requiring documents to open an account was not enough to avoid all scams, especially those that use leaked or tampered data. BC Protege+<\/span> acts as an entry barrier, preventing the fraudulent account from being created and shielding the user against the misuse of their data. <\/p>\n<\/div><\/div><\/div><\/div><\/div>

How does this protection work in practice? <\/h3>\n

Any individual or legal entity can join BC Protege+<\/span>. When activated, the lock prevents: <\/p>\n