Banco Bradesco S.A.

Topic number:americas-banco-bradesco-sa

Retains the selected background of major institutions publicly listed in 2025/2026 in the candidate list. This selection does not represent a real-time global top 100 ranking, the standalone ranking of this legal entity, acceptance of any account product or account-opening eligibility for non-residents.

Bradesco’s personal checking account page states that applicants are generally required to be at least 18 years old; those aged 16 or older but under 18 may apply independently only in the statutory circumstances listed on the page. Published requirements include a CPF, proof of identity (RNE is given as an example of a foreigner’s document), proof of income, and recent proof of address in the applicant’s own name. The page requires original documents to be brought to a branch and expressly states that the account-opening proposal is subject to bank approval. Bradesco Prime International Center says its services are intended for foreign customers in Brazil, but does not describe this service as offering accounts to all foreigners or non-residents. The bank’s website does not confirm whether individuals residing outside Brazil may apply, whether a passport can replace the listed foreigner’s identity document, or whether non-residents may be exempt from Brazilian address-document requirements.

Personal information publicly disclosed or identified

• The bank’s personal account page states that original documents must be submitted. Identification may be an identity card, driving licence, military identity card, foreigner RNE, work permit or professional association membership card. The page does not expressly list a passport as an acceptable alternative.
• CPF (Brazilian Individual Taxpayer Registry number).
• Proof of income; examples on the official website include payslips or personal income tax returns, and state that the income amount can be any amount.
• Recent proof of address in the applicant's own name, issued within the past 120 days. The website's examples include water, electricity or gas bills; landline or mobile phone bills; cable TV/internet bills; or an IPTU municipal property tax bill. The bill need not have been paid.
• The above is the list expressly stated on the bank's personal current account page; the bank has not publicly confirmed additional documents for foreign non-residents, translation/certification requirements for foreign identity documents, or whether a foreign address may be used.

Bradesco’s business account opening page states that a business must have a valid CNPJ and that the application must be made by its legal representative. The online process is expressly limited to MEIs (individual microentrepreneurs); other businesses may visit a branch for assistance from a business relationship manager. The page does not confirm whether foreign-incorporated companies, foreign companies without a business presence in Brazil, or non-resident directors are eligible to open an account, nor does it specify any additional requirements for foreign ownership. Brazil’s tax authority separately states that a foreign-incorporated legal entity holding a bank current account in Brazil is required to register for a CNPJ; this tax registration requirement does not mean that Bradesco has undertaken to accept such applications.

Company information publicly disclosed or identified

• The bank’s business account opening page lists a valid company CNPJ registration card (Cartão CNPJ).
• The bank’s business account opening page lists the company’s social contract/articles of association (Contrato social).
• The bank’s business account opening page lists proof of the company’s address; the official website does not specify the document’s validity period or whether an address outside Brazil is accepted.
• The bank’s business account opening page lists photo identification and CPF for shareholders/representatives, and proof of address for the legal representative.
• Company articles, ownership chain and beneficial-owner documents, powers of attorney, and translation or authentication of foreign documents are general preparation matters that may be raised with the bank in advance. The bank has not been found to publicly list these as explicit requirements for this account, so they should not be treated as published Bradesco policy.

1. Individuals: Select a personal current account as described on the official website. Applicants generally should prepare the listed original documents and visit the selected branch as directed on the account details page. The official website also has an application option through its personal banking app, but does not state whether foreign non-residents are eligible.
2. An individual proposal requires bank approval; the bank page states that it will check SPC, CCF, Telecheque, and any other registry information it considers necessary.
3. Businesses: First confirm that the business has a valid CNPJ and prepare the business and representative/shareholder documents listed on the page. MEIs can use the online process on the website/app; other businesses should contact a business relationship manager at a branch.
4. Before applying to open a business account online, applicants can complete an account-opening proposal; the official form states that the bank will contact the applicant. Completing the form initiates the deposit account process and does not constitute account approval.
5. The official website says that, for branch applications, a business relationship manager will notify the applicant after approval, while online applicants will receive an email explaining the next steps. It does not publish a complete approval timeline. The bank should confirm the eligibility of overseas companies and nonresidents in writing before documents are submitted.

The Bradesco personal and business account-opening materials reviewed do not publish minimum deposits, account-opening fees or promised approval times for these accounts. Personal applications are expressly subject to approval; the business materials state that applicants will be notified if approved but do not specify processing days. Do not apply fees or limits for other products, such as international transfers, to account-opening conditions.

• This record covers only Brazil’s Banco Bradesco S.A. It does not represent the services of overseas banks in the group, similarly named foreign branches/subsidiaries, or other entities using the Bradesco brand.
• Publicly stated personal-document requirements include a CPF and commonly accepted local proof of address; whether non-resident individuals can use a foreign address, open an account with only a passport, or complete the process remotely has not been verified.
• The public business process requires a valid CNPJ; the online application is expressly limited to MEI. Whether the bank can open accounts for foreign-registered legal entities or foreign-controlled businesses cannot be inferred from CNPJ tax registration rules.
• The bank reserves the right to approve applications and verify application information. Submitting an account-opening proposal or tax registration must not be treated as approval.
• This profile is a record of research based on public information. It does not represent a bank service that Rengangyongsheng (Hong Kong) Limited can currently arrange an appointment for, an established channel, or a guarantee of approval.

Specific official regulatory evidence for the entity has been found: the BCB’s “Authorized Financial Institutions” relationship lists Banco Bradesco S.A., SICAP code 0916, location São Paulo, country Brasil; a BCB notice dated 2026-06-09 also records the appointment of directors at this institution under the name Banco Bradesco S.A. (CNPJ root number 60.746.948). This evidence supports that this legal entity is included in BCB records of authorized financial institutions; it is not merely an entry point to a regulatory directory. However, the materials reviewed do not provide a separate license number, nor do they establish that every account type, customer category, or cross-border application is accepted. Before applying to open an account, confirm the proposed product and customer eligibility against the BCB’s current operating-institution records and obtain written confirmation from the bank.

1. Bradesco — Conta-Corrente, personal current account and opening requirements ↗

   Personal current accounts may be held individually or jointly; age requirements, identification categories (including RNE for foreign nationals), CPF, proof of income, proof of address dated within 120 days, in-branch application with original documents, approval and publicly disclosed credit/restriction checks.

2. Bradesco — Abra sua Conta, personal account opening portal ↗

   Bradesco publicly offers individuals an option to apply for a personal current account through its app; the page does not state whether non-residents or applicants from abroad are eligible.

3. Bradesco — Abra sua Conta PJ, business account opening and FAQs ↗

   Businesses must have a valid CNPJ. Public information covers business and representative/shareholder documents, online applications for MEI only, branch applications for other businesses, contact about the application proposal and notification of approval, and differences in service package fees. Eligibility for foreign legal entities has not been confirmed.

4. Banco Central do Brasil — Relação de instituições financeiras autorizadas ↗

   The BCB’s official list is titled “Authorized Financial Institutions” and specifically lists code 0916, BANCO BRADESCO S.A., located in São Paulo, Brasil; the entry itself does not prove eligibility for an account product or acceptance of specific foreign customers.

5. Banco Central do Brasil — Comunicado nº 45.357 de 9/6/2026 ↗

   The BCB lists director appointment matters for Banco Bradesco S.A. (CNPJ base number 60.746.948) for 2026, supporting verification of this legal entity and its current regulatory records; the notice is not proof that an individual or business account has been approved.

6. Bradesco Prime International Center — foreign clients in Brazil ↗

   Bradesco states that its International Customer Center serves foreign customers in Brazil and offers multilingual relationship managers, telephone and WhatsApp contacts; it does not promise account opening for non-residents or remote witnessing.

7. Receita Federal — CPF for foreigners registration form ↗

   The Brazilian tax authority allows foreigners to use its official process to apply for, amend, or regularize a CPF and describes the required application form and documents, including proof of identity. This is not the bank’s policy on accepting non-residents.

8. Receita Federal — Orientações para Pessoa Jurídica Domiciliada no Exterior ↗

   RFB explains that foreign legal entities holding bank current accounts in Brazil must obtain CNPJ registration and lists application methods; this does not establish that banks accept account applications from foreign legal entities.

9. Banco Central do Brasil — Central Bank enhances regulation on prevention of money laundering ↗

   The BCB’s English explanation of Circular 3,978/2020 covers risk-based customer identification/eligibility classification, PEP checks, records of transaction origins and destinations, and reporting suspicious transactions to COAF.

10. Banco Central do Brasil — Circular nº 3.978/2020, official regulatory PDF ↗

    Articles 24–25 of the original text require corporate customers to identify natural-person ultimate beneficial owners through the ownership chain and determine the identification threshold based on risk (not exceeding 25%); they also specify requirements for records of the source of relevant funds.

11. Receita Federal — Frequently Asked Questions on e-Financeira, including CRS and FATCA ↗

    RFB official FAQ on e-Financeira, CRS/FATCA account reporting and tax residency self-certification; it states that self-certification may be digitally signed or otherwise affirmatively confirmed, and explains the tax identification number required for U.S. reporting and that CRS status is determined by tax residence.

12. Presidência da República — Lei nº 13.810, de 8 de março de 2019 ↗

    Brazilian legislation implementing United Nations Security Council sanctions and asset freezes; Articles 6 and 8–11 set out immediate implementation, prohibitions on making assets available, and the implementation and reporting obligations of entities subject to anti-money-laundering legislation.

13. Banco Central do Brasil — Deposit insurance (FGC and FGCoop) ↗

    The BCB explains the FGC’s covered products, a limit of R$250,000 per CPF/CNPJ and financial group, a four-year limit of R$1,000,000, and certain amounts that are not covered; coverage eligibility for this specific account product has not been verified.