{"id":9100,"date":"2026-09-06T12:00:00","date_gmt":"2026-09-06T12:00:00","guid":{"rendered":"https:\/\/irgee.com\/?p=irgee-en-import-1"},"modified":"2026-09-06T18:49:56","modified_gmt":"2026-09-06T18:49:56","slug":"check-registrato-accounts-loans-pix-keys","status":"publish","type":"post","link":"https:\/\/irgee.com\/?p=9100","title":{"rendered":"How to check Registrato and identify accounts, loans and Pix keys you don&#8217;t recognize"},"content":{"rendered":"<p>If you want to know whether there are accounts, loans, cards or Pix keys registered in your name, the Banco Central\u2019s 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.<\/p>\n<p>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.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/irgee.com\/?p=9100\/#Step-by-step_to_consult_Registrato\" >Step-by-step to consult Registrato<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/irgee.com\/?p=9100\/#1_Access\" >1. Access<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/irgee.com\/?p=9100\/#2_Choosing_the_report\" >2. Choosing the report<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/irgee.com\/?p=9100\/#3_Generate_and_download_the_document\" >3. Generate and download the document<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/irgee.com\/?p=9100\/#4_Practical_verification\" >4. Practical verification<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/irgee.com\/?p=9100\/#Checklist_%E2%80%94_what_to_check_in_each_report\" >Checklist \u2014 what to check in each report<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/irgee.com\/?p=9100\/#What_to_do_if_you_find_something_unfamiliar\" >What to do if you find something unfamiliar<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/irgee.com\/?p=9100\/#Common_mistakes_when_interpreting_Registrato\" >Common mistakes when interpreting Registrato<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/irgee.com\/?p=9100\/#Limits_and_risks_of_the_query\" >Limits and risks of the query<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/irgee.com\/?p=9100\/#Frequently_asked_questions\" >Frequently asked questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/irgee.com\/?p=9100\/#Can_I_cancel_a_Pix_key_through_Registrato\" >Can I cancel a Pix key through Registrato?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/irgee.com\/?p=9100\/#If_I_find_an_unknown_loan_what_is_the_priority\" >If I find an unknown loan, what is the priority?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/irgee.com\/?p=9100\/#Does_Registrato_show_my_credit_score\" >Does Registrato show my credit score?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/irgee.com\/?p=9100\/#Sources_and_updates\" >Sources and updates<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Step-by-step_to_consult_Registrato\"><\/span>Step-by-step to consult Registrato<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_Access\"><\/span>1. Access<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Go to the Banco Central\u2019s 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\u2019s: <a href=\"https:\/\/www.\n\n\nbcb.gov.br\/meubc\/registrato&#8221; target=&#8221;_blank&#8221;>https:\/\/www.<\/p>\n<p>bcb.gov.br\/meubc\/registrato<\/a>.<\/p>\n<p> Follow the authentication instructions. Menus and login requirements may change; check the BC page for updates.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Choosing_the_report\"><\/span>2. Choosing the report<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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: <a href=\"https:\/\/www.\n\n\nbcb.gov.br\/meubc\/relatorio_chaves_pix&#8221; target=&#8221;_blank&#8221;>https:\/\/www.<\/p>\n<p>bcb.gov.br\/meubc\/relatorio_chaves_pix<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Generate_and_download_the_document\"><\/span>3. Generate and download the document<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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) \u2014 however the presentation may vary.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Practical_verification\"><\/span>4. Practical verification<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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\u2019 updates.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Checklist_%E2%80%94_what_to_check_in_each_report\"><\/span>Checklist \u2014 what to check in each report<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<thead>\n<tr>\n<th>Item<\/th>\n<th>Where it appears<\/th>\n<th>What to verify<\/th>\n<th>Suggested action<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Checking\/savings accounts<\/td>\n<td>Accounts and operations report<\/td>\n<td>Institution, account type, account\/identifier number, status (active\/closed)<\/td>\n<td>Contact the institution to confirm and, if fraudulent, request closure and an investigation<\/td>\n<\/tr>\n<tr>\n<td>Loans and financing<\/td>\n<td>Loans report<\/td>\n<td>Contract number, outstanding balance, date of contracting<\/td>\n<td>Request a detailed statement from the institution; contest charges in writing<\/td>\n<\/tr>\n<tr>\n<td>Pix keys<\/td>\n<td>Pix keys report<\/td>\n<td>List of keys registered to your CPF, registering institution<\/td>\n<td>If you suspect something, contact the institution to block\/remove the key and file a police report if there are signs of fraud<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"What_to_do_if_you_find_something_unfamiliar\"><\/span>What to do if you find something unfamiliar<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<p> 4) Ask the bank for mitigation measures (block the account, cancel Pix keys, dispute contracts).<\/p>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Common_mistakes_when_interpreting_Registrato\"><\/span>Common mistakes when interpreting Registrato<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<ul>\n<li>Confusing a joint account or one linked to a business with an account solely yours. Check the type of ownership reported.<\/li>\n<li>Treating paid-off contracts as active: there may be delays in banks updating records.<\/li>\n<li>Not connecting acronyms and institution names (use the CNPJ or full name to confirm).<\/li>\n<li>Ignoring small or old Pix keys \u2014 sometimes keys that were registered and later removed still appear until the system updates.<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Limits_and_risks_of_the_query\"><\/span>Limits and risks of the query<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>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.<\/p>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_asked_questions\"><\/span>Frequently asked questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Can_I_cancel_a_Pix_key_through_Registrato\"><\/span>Can I cancel a Pix key through Registrato?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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: <a href=\"https:\/\/www.bcb.\n\n\ngov.br\/meubc\/relatorio_chaves_pix&#8221; target=&#8221;_blank&#8221;>Pix keys report<\/a>.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"If_I_find_an_unknown_loan_what_is_the_priority\"><\/span>If I find an unknown loan, what is the priority?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Does_Registrato_show_my_credit_score\"><\/span>Does Registrato show my credit score?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>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.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Sources_and_updates\"><\/span>Sources and updates<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Information consulted on the official pages of the Banco Central do Brasil:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.bcb.gov.br\/meubc\/registrato\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bcb.gov.br\/meubc\/registrato<\/a><\/li>\n<li><a href=\"https:\/\/www.bcb.gov.br\/meubc\/relatorio_chaves_pix\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bcb.gov.br\/meubc\/relatorio_chaves_pix<\/a><\/li>\n<\/ul>\n<p>Rules, menus and procedures may change \u2014 always check the official pages above for the most recent version.<\/p>\n<blockquote><p><strong>This content is informational and does not replace individual professional advice.<\/strong><\/p><\/blockquote>\n","protected":false},"excerpt":{"rendered":"<p>Practical guide to access the Banco Central\u2019s Registrato, identify accounts, loan contracts and Pix keys registered under your name that you don\u2019t recognize, and what to do in each case. Steps, essential checks, common mistakes and limitations of the tool.<\/p>\n","protected":false},"author":1,"featured_media":9137,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[16],"tags":[611,383,610],"class_list":["post-9100","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","tag-brazil-2026","tag-financial-education","tag-how-to-check-registrato"],"_links":{"self":[{"href":"https:\/\/irgee.com\/index.php?rest_route=\/wp\/v2\/posts\/9100","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/irgee.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/irgee.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/irgee.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/irgee.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=9100"}],"version-history":[{"count":2,"href":"https:\/\/irgee.com\/index.php?rest_route=\/wp\/v2\/posts\/9100\/revisions"}],"predecessor-version":[{"id":9139,"href":"https:\/\/irgee.com\/index.php?rest_route=\/wp\/v2\/posts\/9100\/revisions\/9139"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/irgee.com\/index.php?rest_route=\/wp\/v2\/media\/9137"}],"wp:attachment":[{"href":"https:\/\/irgee.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=9100"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/irgee.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=9100"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/irgee.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=9100"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}