How to check Registrato and identify accounts, loans and Pix keys you don’t recognize
If you want to know whether there are accounts, loans, cards or Pix keys registered in your name, the Banco Central’s Registrato is the official starting point. In this article I explain, step by step, how to access the available reports, what to check in each type of report and what actions to take if you find something unfamiliar.
The aim is to provide practical guidance based on public information from the Banco Central do Brasil. Rules, menus and procedures may change; for the official documentation consult the Banco Central pages listed in the sources at the end.
Step-by-step to consult Registrato
1. Access
Go to the Banco Central’s Registrato portal using your gov.br account (the required access level is indicated on the BC site). The official service page is the Banco Central’s:
Follow the authentication instructions. Menus and login requirements may change; check the BC page for updates.
2. Choosing the report
Registrato offers different reports (for example: accounts and operations, loans and financing, Pix keys). If you are unsure about the exact names or options, choose the one that most closely matches the type of information you are looking for. For Pix keys there is a specific report detailed by the Banco Central: 3. Generate and download the document
Generate the report in PDF or in the available format. Save a local copy and read it carefully. Reports typically show the institution name, account or contract number, opening date and status (for example, active or closed) — however the presentation may vary.
4. Practical verification
Compare the report data with your documents: CPF, identity card, bank statements, contracts and confirmation emails. Note any item you do not recognize (institution, account number, contract number, amounts, Pix keys). Look for matches by date: an old contract may still be recorded even after payoff, depending on the banks’ updates.
Checklist — what to check in each report
| Item |
Where it appears |
What to verify |
Suggested action |
| Checking/savings accounts |
Accounts and operations report |
Institution, account type, account/identifier number, status (active/closed) |
Contact the institution to confirm and, if fraudulent, request closure and an investigation |
| Loans and financing |
Loans report |
Contract number, outstanding balance, date of contracting |
Request a detailed statement from the institution; contest charges in writing |
| Pix keys |
Pix keys report |
List of keys registered to your CPF, registering institution |
If you suspect something, contact the institution to block/remove the key and file a police report if there are signs of fraud |
What to do if you find something unfamiliar
1) Contact the financial institution: request a statement and proof of account opening/adhesion. 2) Formalize the dispute in writing (official email or protocol). 3) If there are signs of fraud, file a police report and present a copy to the bank.
4) Ask the bank for mitigation measures (block the account, cancel Pix keys, dispute contracts).
The Banco Central does not change report data: it centralizes information reported by institutions. For corrections you need to deal with the responsible institution; afterwards, if necessary, use the BC complaint channels. Check the official page for current procedures.
Common mistakes when interpreting Registrato
- Confusing a joint account or one linked to a business with an account solely yours. Check the type of ownership reported.
- Treating paid-off contracts as active: there may be delays in banks updating records.
- Not connecting acronyms and institution names (use the CNPJ or full name to confirm).
- Ignoring small or old Pix keys — sometimes keys that were registered and later removed still appear until the system updates.
Limits and risks of the query
Registrato shows data reported by institutions to the Banco Central; it is not a blocking service or a fraud investigation unit. Updates occur according to the reporting schedules of institutions, so there may be delays. For concrete actions (closing an account, reversing a debit, disputing a contract) you must deal directly with each institution.
The information here is general guidance. Rules, report names and technical procedures may change as the Banco Central updates the system; always consult the official pages listed in the sources for confirmation.
Frequently asked questions
Can I cancel a Pix key through Registrato?
Registrato shows which keys are registered to your CPF, but cancellation must be requested from the institution where the key was created. For technical details and procedures consult the Banco Central: If I find an unknown loan, what is the priority?
Request a detailed statement from the institution immediately to understand the origin and amounts. File the dispute in writing and, if there are signs of fraud, file a police report and notify the institution so it can take action.
Does Registrato show my credit score?
No. Registrato consolidates information about accounts, operations and keys; credit scores and offers are provided by credit bureaus and other platforms. Use Registrato to check formal records kept by banks.
Sources and updates
Information consulted on the official pages of the Banco Central do Brasil:
Rules, menus and procedures may change — always check the official pages above for the most recent version.
This content is informational and does not replace individual professional advice.
Michael Rowan is a dedicated writer and researcher specializing in Personal Finance and Investments. With a passion for helping individuals make smarter financial decisions, he creates informative and practical content designed to simplify complex financial topics.
