AmericasBrazilLicensed-entity research

Caixa Econômica Federal

Caixa Econômica Federal (CAIXA; the name listed in the Central Bank of Brazil’s register of operating institutions). The root of the CNPJ number for the entity in the Central Bank of Brazil’s record is 00360305; the CAIXA website footer lists the full CNPJ as 00.360.305/0001-04. This refers to the bank entity, not a brand or another group entity.

CAIXA's official personal current account information requires applicants to provide photo identification and a CPF in good standing; foreign nationals must also prove residence in Brazil. Business accounts require a CNPJ, registered incorporation documents, proof of business income and details of the legal representative, but CAIXA has not publicly confirmed that it accepts applications from non-resident individuals abroad or foreign legal entities.

Regulator: Central Bank of Brazil (Banco Central do Brasil, BCB)
Check date: 2026-10-26
Verify status: Some information remains to be confirmed: The Central Bank of Brazil’s active institution API was used to find CAIXA ECONOMICA FEDERAL’s specific regulatory-register record, and CAIXA’s publicly stated personal/business account-opening requirements, tax materials, and Brazilian AML baseline were checked. However, there is no public confirmation as to whether CAIXA accepts non-resident individuals living abroad or foreign-incorporated companies, the specific requirements for foreign documents, support for remote witnessing, or specific business account fees.

Research scope and official resources

Topic number:americas-caixa-economica-federal

The candidate record includes CAIXA based on the public screening background for large Latin American banks in 2025; the candidate set is only a selection lead and does not indicate an individual ranking, a current global top 100 ranking, a determination of retail account licensing, or current acceptance status.

Bank’s official website

Personal Eligibility and Documents

CAIXA's published personal current account FAQ states that applications may be made at a service branch. Personal documents include an identity document with a photo that is valid, where applicable, and the applicant's own CPF in good standing with the Brazilian tax authority. For foreign nationals, the page also requires proof of residence in Brazil. CAIXA's official account page also shows a general app-based opening process that includes submitting documents and capturing biometrics, but does not state whether foreign nationals can use this digital process. The published information above cannot confirm whether foreign applicants residing in Brazil can be approved for all products and through all channels. For non-residents living abroad, CAIXA has not published information stating that accounts can be opened through the bank; confirm eligibility, acceptable addresses and where the process can be completed with the bank in writing. Do not interpret general Central Bank of Brazil account rules as a commitment by CAIXA to open an account.

Personal information publicly disclosed or identified

【Explicitly listed in the CAIXA personal checking account FAQ】Photo ID, valid where applicable; the official website does not specify on that page that foreign applicants must use a passport, residence card or any particular type of ID.
【Explicitly listed by CAIXA】Proof of CPF registration for the account holder, with CPF status shown as regular by Brazil’s Federal Revenue Service (Receita Federal).
【Explicitly listed by CAIXA】Foreign citizens must provide proof of residence in Brazil; this FAQ does not specify the types of proof that are acceptable.
【Only when applying for the corresponding credit】Recent proof of income; the ordinary account-opening page says proof of income is required only when a customer applies for credit or real estate financing.
【As applicable】A student account requires proof of enrollment; an application handled by an agent requires the applicable power of attorney; guardianship/assistance or emancipated-minor situations require corresponding documents.
【General preparation suggestion; not an additional account-opening policy published by CAIXA】If you are tax resident outside Brazil, prepare a tax residency self-certification and the relevant foreign tax identification number (NIF); CAIXA’s international tax page states that foreign tax residents must provide an NIF issued by their tax authority. Non-residents of Brazil should first confirm with the bank whether they can open an account in this situation and what documents are required.

Company eligibility and documents

CAIXA publicly offers business accounts and requires applicants to apply at a branch or request a visit from a relationship manager. The website lists the company's CNPJ, legally registered incorporation documents and proof of turnover/income, as well as the legal representative's CPF, identity document and, where applicable, power of attorney. The page does not specify whether foreign-registered legal entities, companies with no business presence in Brazil or their overseas representatives can open accounts, and does not list documents for foreign companies. The Brazilian tax authority states that foreign-resident legal entities meeting the relevant conditions must register for a CNPJ when holding a bank current account in Brazil; this registration rule does not mean that CAIXA undertakes to accept such applications. Confirm the business type, representative's identity, local registration and document authentication requirements with CAIXA.

Company information publicly disclosed or identified

【Explicitly listed on the CAIXA business account page】Company CNPJ number.
【Explicitly listed by CAIXA】Incorporation documents registered with the competent authority according to the company’s legal form, and subsequent amendments, such as the articles of association, bylaws or individual business registration application.
【Explicitly listed by CAIXA】Proof of company turnover/revenue.
【Explicitly listed by CAIXA】CPF number and identification document of the legal representative/agent; power of attorney where applicable.
【General due diligence preparation guidance; not a CAIXA-published itemized corporate account-opening list】You may prepare information on ultimate beneficial owners and the control structure, representative authority, evidence of business activity and source of funds, and foreign tax residency/NIF information. The bank must confirm applicability, format, and translation or certification requirements. CAIXA has not publicly confirmed whether it accepts foreign legal entities or whether foreign registration documents can substitute for Brazilian registration documents.

Address, tax, and remote / witnessed procedures

Address and tax

Brazil personal accounts: CAIXA expressly requires foreign citizens to prove their residence in Brazil; the acceptable types of address evidence have not been published. Individuals must have their own CPF, registered with Receita Federal and in good standing. Receita Federal provides procedures for foreigners to register, amend or reinstate a CPF, showing that foreigners may apply for one; obtaining a CPF does not guarantee that a bank account will be opened. Business accounts require a CNPJ. The Brazilian tax authority states that a legal entity domiciled abroad holding a current bank account in Brazil is required to register for a CNPJ. This does not mean that the bank accepts foreign legal entities. CAIXA requires self-declaration of foreign tax residency and, where applicable, the TIN for that tax jurisdiction.

Remote / witnessing

CAIXA's general personal app-based account opening guidance includes online submission of documents and biometric capture, but does not publicly confirm that this process is available to foreign customers, non-residents abroad or users with devices outside Brazil. Nor does it describe global video witnessing, remote notarisation or third-party witnessing arrangements. The personal FAQ also provides a branch application route, and foreign nationals must prove residence in Brazil. The business account page requires applicants to go to a branch or request a visit from a relationship manager. Do not equate biometric capture in the app with global remote account opening or third-party witnessing support.

Public process reference

Standard personal account opening: CAIXA’s FAQ says applications may be made at any service branch and that applicants may select a specific branch. Foreign nationals must meet both the published proof-of-residence-in-Brazil requirement and the requirement for regular CPF status.
General personal app process: Download the CAIXA App, select account opening, submit documents, provide biometric data, and complete registration. The page does not confirm that this app process is available to foreigners or non-residents; confirm with the bank first.
Business account: Contact or visit a CAIXA branch, or request a visit from a relationship manager; submit the business CNPJ, registration and formation documents, and proof of revenue, as well as the representative's CPF, identity document and, where applicable, power of attorney.
Account-opening reviews, application routes for foreign nationals/non-residents or foreign companies, additional due-diligence documents, and final approval are determined by the bank. CAIXA’s public website does not provide complete procedures for these complex application categories.

Compliance topics, details, and sources

Brazil AML/KYC and ongoing customer due diligence

The Central Bank of Brazil’s official guidance on Circular 3,978/2020 requires regulated institutions to identify, verify, and classify customer information on a risk basis, reassess it on an ongoing basis as the relationship and risks change, and identify risks associated with politically exposed persons. CAIXA’s personal-account FAQ publicly lists identity-document and CPF-status requirements, but it is not a complete bank due-diligence checklist. The bank may request additional documents depending on customer and business risks.

Source:CAIXA — Perguntas Frequentes: Conta Corrente ；Banco Central do Brasil — Central Bank enhances regulation on prevention of money laundering and terrorist financing

Beneficial owners, business background and source of funds

The Central Bank of Brazil's AML guidance requires an overall customer profile to be developed and maintained on an ongoing basis and the parties to transactions to be recorded; transaction records should include the source and destination of funds. CAIXA's corporate account page does not publish a UBO document checklist or a source-of-funds document template. Companies may generally prepare evidence of beneficial ownership/control structure, business activities and source of funds, but this is due-diligence preparation advice, not a mandatory-document policy published by CAIXA. The bank's written response should be treated as final.

Source:CAIXA — Conta Empresarial CAIXA ；Banco Central do Brasil — Central Bank enhances regulation on prevention of money laundering and terrorist financing

Tax Residency Declarations, CRS, and FATCA

CAIXA states that the relevant international tax agreements apply to all financial institutions authorised by the Central Bank of Brazil and that tax-residence information is collected when the customer relationship is established. Customers who declare tax residence abroad must also provide the NIF issued by that jurisdiction. The bank describes CRS as a tax information exchange standard in which Brazil participates and FATCA as a US-related regime, requiring customers to declare whether they are a US Person. Declare truthfully under each applicable regime; this does not claim that the United States participates in CRS. Refusal to provide required tax information may result in restrictions on the CAIXA account until the information is provided.

Source:CAIXA — Acordos Internacionais

Brazilian personal data protection and privacy

CAIXA's privacy notice states that it processes information under Brazil's General Data Protection Law (LGPD). It may collect identity, address, CPF, financial and biometric information for account opening, identity verification, risk management and prevention of unlawful activity, and share it with relevant bodies to meet legal and regulatory obligations. The notice also lists rights including access, correction, data portability and requests for review of automated decisions.

Source:CAIXA — Privacy Notice

Compliance evidence

Account-opening compliance and supporting-document checklist

The bank’s stated requirements, local regulations, and preparation recommendations are presented separately. Acceptance in a specific case is subject to confirmation by the bank.

This guide applies to publicly available information from CAIXA on personal current accounts and Brazilian business accounts, and supplements it with the statutory baseline for customer due diligence by institutions regulated by the Central Bank of Brazil. CAIXA has not publicly confirmed whether nonresident individuals abroad or foreign-incorporated businesses are eligible to open accounts; rules on registering foreign legal entities do not constitute a commitment by the bank to accept an application. If you engage assistance, Mr. Tang can personally follow up on documents and appointments, explain fees in advance, and confirm the appointment time, but cannot guarantee the bank’s approval outcome.

Date information checked:2026-10-26

Information evidence package

Personal identity, CPF and Brazilian residence

Who it applies to: Individual applicants; foreign nationals are covered only where they meet CAIXA’s published Brazil-residence conditions. Eligibility of overseas non-residents has not been publicly confirmed.
Documents to Prepare: CAIXA expressly lists: a photo ID; where applicable, it must be valid. The website does not specify that foreign applicants may use only a passport or residence permit.
CAIXA expressly lists: proof of the applicant's own CPF registration, with the status shown as regular in the Receita Federal records. Before applying, applicants can check the status and save proof of it.
CAIXA expressly states that foreign nationals must provide proof of residence in Brazil; its FAQ also says that an address may be declared if the applicant has no proof of address in their own name. Confirm with the receiving branch whether foreign nationals may use a declaration in place of supporting evidence.
Description: The above items are expressly stated in the FAQ for CAIXA personal current accounts. The page does not specify whether originals or certified copies are required, list types of address evidence, set translation/certification rules, or specify a minimum remaining validity period for identification documents. Confirm each item when making an appointment.

Source:CAIXA — Perguntas Frequentes: Conta Corrente

Company registration, representative authority, and control chain

Who it applies to: Legal entity applying for a business account in Brazil; CAIXA has not publicly confirmed acceptance of foreign companies or alternative document arrangements.
Documents to Prepare: CAIXA expressly lists: the company's CNPJ number and incorporation documents registered with the competent authority, together with subsequent amendments (depending on legal form, such as articles of association, bylaws or a business registration application).
CAIXA expressly lists: proof of company turnover/income and the legal representative's CPF number and identity document; power of attorney where applicable.
Preparation recommendation: Also prepare an ownership and control-chain chart, shareholder register, company registration documents for each tier, and basis for signing authority, to help explain the ultimate natural-person controllers. This is not a complete list of mandatory documents published by CAIXA.
Description: CAIXA's page requires a company CNPJ and incorporation documents registered with the competent authority. Central Bank Circular 3.978/2020 provides that, for foreign-resident legal entities exempt from CNPJ registration under Brazilian tax authority rules, financial institutions must collect at least the company name, head office address and identification or registration number in the country of origin. This AML identification rule does not mean CAIXA must accept the account application. Confirm requirements for originals, authentication, translation and document validity with the bank.

Source:CAIXA — Conta Empresarial CAIXA；Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020

Business, income and flow of funds (preparation suggestions)

Who it applies to: Business applicants and individuals with complex income, cross-border funds, or significant sources of funds; the following are due diligence preparation suggestions, not CAIXA’s itemized public account-opening requirements.
Documents to Prepare: Organize recent financial statements, tax returns, or income/turnover records according to the customer type, distinguishing them from the personal credit income proof or business income proof explicitly specified by CAIXA.
Prepare key business contracts, invoices/orders, an overview of customers and suppliers, and an explanation of the account’s intended use, transaction regions, currencies, and approximate volumes.
For large initial deposits or source of wealth, organize relevant documents for asset sales, salary/dividends, financing, inheritance, or intra-group transfers, and ensure that the amounts, dates, payers, and account purpose can be cross-checked.
Description: Central Bank rules require financial institutions to verify information according to customer risk and the nature of the relationship, assess an individual's income or a company's turnover/financial capacity, and may require additional risk information. They do not require every applicant to submit any one particular document listed above, nor do they publish a standard format for CAIXA's complex account-opening cases.

Source:Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020

Due diligence and enhanced verification

Corporate beneficial owners and control structure

Basis for Verification: Article 24 of Brazil's Central Bank Circular 3.978/2020 requires legal-entity due diligence to analyse the ownership chain until natural-person beneficial owners are identified. Article 25 requires institutions to set a reference ownership threshold based on risk, counting direct and indirect holdings, which may not exceed 25%. 25% is not a global uniform threshold or a specific threshold published by CAIXA; the regulation also includes representatives and other cases in its identification rules.
Preparation recommendation: Submit a tier-by-tier ownership chart indicating direct/indirect percentages, voting rights, actual control arrangements, and representatives. Attach registration documents to support each tier. If individual shareholders cannot be identified or the control chain is complex, prepare an explanation and verifiable evidence of the control arrangements.
Scope: Brazilian regulatory requirements; CAIXA has not published its specific internal thresholds, forms, or additional document checklist.

Source:Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020

Customer risk, financial capacity, and source of funds

Basis for Verification: Central Bank Article 18 requires institutions to collect and verify customer information based on risk and the business relationship, identify an individual's place of residence or a legal entity's head office/branch, and assess an individual's income or a legal entity's turnover/financial capacity; information must be continuously reassessed as the relationship develops. Article 39 requires monitoring of transactions disproportionate to a customer's financial capacity or lacking an economic/legal basis.
Preparation recommendation: Prepare a one-page explanation of the business and intended account use, listing normal sources of funds, expected counterparties and transaction amount ranges. Support unusual or large funds with payroll/dividend records, financial statements, contracts, invoices or financing documents. Explain any seasonal transaction patterns or intra-group dealings.
Scope: Brazilian regulatory requirements; the personal documents listed are general preparation suggestions, not a document checklist expressly published by CAIXA.

Source:Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020

PEPs and related persons

Basis for Verification: Central Bank Articles 19 and 27 require checks to determine whether a customer is a politically exposed person (PEP), and to identify their representatives, family members or close associates. For customers residing abroad, institutions must take at least two of the following three measures: obtain an express declaration, consult public information, and search PEP databases. PEPs and related persons are subject to controls commensurate with risk, and banks must also assess whether they are willing to establish or maintain the relationship. PEP status rules continue to apply for five years after leaving office. PEP status alone does not automatically result in account-opening refusal.
Preparation recommendation: It is advisable to truthfully disclose your own, the company controllers’, and representatives’ public office/political connections and dates of service. Prepare publicly available appointment or departure information and explain the source of wealth and account funds. If a name may match a database entry, prepare distinguishing details such as date of birth and nationality.
Scope: Brazilian regulatory requirements; CAIXA has not disclosed its internal approval levels, additional PEP documentation, or risk acceptance limits.

Source:Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020

Cross-Border Tax Residency, CRS, and FATCA

Basis for Verification: CAIXA states that tax-residence information is collected when the customer relationship is established; customers who declare tax residence abroad must also provide the NIF issued by that tax jurisdiction. CAIXA explains CRS and FATCA separately and asks customers to state whether they are a US Person. Information should be updated when it changes or when CAIXA requests it. Refusal to provide required tax information may result in account restrictions until it is provided.
Preparation recommendation: Individuals should list all tax-residence jurisdictions, the corresponding NIFs and addresses; companies should verify their tax residence and prepare tax-residence information for controlling persons and any self-certification required by the bank. Disclose U.S. connections or multiple tax residencies accurately; do not use nationality alone as a substitute for determining tax residence.
Scope: This is an express statement by CAIXA Bank; it does not support an inference that a tax resident of any particular foreign country necessarily meets the requirements to open an account, and no form version or review time has been published.

Source:CAIXA — Acordos Internacionais

Ongoing maintenance obligations

Update identity, controlling person and risk information promptly

Central Bank Articles 17 and 18 require relevant information to be kept current and continuously reassessed. If the ownership chain, representatives, address, income/turnover or nature of business changes, proactively check CAIXA's update channels and prepare supporting documents. CAIXA's tax guidance also requires tax residency information to be updated when details change or when requested by the bank; failure to provide the required information may result in account restrictions. Public information does not specify a uniform annual review frequency.

Source:CAIXA — Acordos Internacionais；Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020

Keep transaction and declared information on file

Keep records that explain account deposits and transfer purposes, such as contracts, invoices, payroll/dividend records, financing documents and asset sale documents, and ensure that actual account transactions are consistent with the business scale and source of funds described at account opening. Article 39 of the Central Bank requires institutions to continuously monitor suspicious transactions or transactions disproportionate to financial capacity; this does not establish a uniform transaction limit for customers. CAIXA has not published a general frequency for submitting supporting documents for ordinary accounts.

Source:Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020

Tax Residency and NIF Changes

After a change in tax residency status, tax identification number, or a company controller’s tax information, update your self-declaration and NIF details as required by CAIXA; confirm the submission channel and keep the receipt. The bank’s page states that missing information may lead to account restrictions, but does not specify a deadline for submitting additional documents or a regular reporting cycle.

Source:CAIXA — Acordos Internacionais

Please confirm with the bank before booking

Does CAIXA accept individuals currently living outside Brazil, or applicants without proof of residence in Brazil? Must foreign nationals apply in person at a branch?
Can the intended type of business open an account? For a legal entity registered overseas, must it first have a Brazilian CNPJ, a branch, or a local representative?
Do foreign identity documents, company registration documents and powers of attorney respectively need to be originals, certified copies, apostilled/consularly legalized, or accompanied by sworn Portuguese translations? How is document validity calculated?
Will proof of address for a foreign individual accept an address declaration? Which documents are acceptable, and what additional evidence is needed if the applicant’s name is not on the document?
Do businesses and complex individual applications need to provide additional information on beneficial owners, source of funds/wealth, PEP status or tax residency? Can the format, fees, processing time and account service fees be confirmed before the appointment?

Not confirmed by public information

CAIXA's published personal FAQs state that foreign nationals must prove residence in Brazil, but do not confirm account-opening eligibility for non-resident individuals living abroad, opening an account from abroad or remote video witnessing.
The materials listed on the business page are based on a CNPJ and registered formation documents. Eligibility for foreign-registered legal entities or companies without business operations in Brazil has not been confirmed; central bank rules on minimum identification information for certain foreign legal entities do not constitute a bank account-opening commitment.
The bank has not published certification, authentication, or translation standards for documents required from complex foreign customers, internal PEP/beneficial owner thresholds, or risk acceptance boundaries; these must be confirmed in writing on a case-by-case basis.
The processing time for ordinary individual applicants listed in the FAQ applies only to the regular channel described there and cannot be extrapolated to foreign customers, businesses, or enhanced due diligence cases. The pages reviewed did not confirm timelines or specific fees for these cases.

Sources & Scope of Verification

CAIXA — Perguntas Frequentes: Conta Corrente
I reviewed the FAQ for personal current accounts: photo ID, the applicant’s own CPF in good standing, and proof of residence in Brazil for foreign nationals. It says an address may be declared if the applicant has no proof of address in their own name, and describes when proof of income applies, branch/App procedures, and timelines for applications through a representative. It does not specify document formats or certification requirements for foreign customers, or eligibility for non-residents abroad.
CAIXA — Conta Empresarial CAIXA
I reviewed the business account page: applications through a branch or by meeting a relationship manager; it lists the company’s CNPJ, registered formation documents and amendments, proof of turnover/income, the legal representative’s CPF and ID, and a power of attorney where applicable. Eligibility for foreign legal entities and requirements for foreign documents are not confirmed.
CAIXA — Acordos Internacionais
I reviewed CAIXA’s international tax information: tax residency information is collected when the account relationship begins; non-residents for tax purposes abroad must provide a NIF. The information explains CRS/FATCA, US Person reporting, and updates when information changes or when requested by the bank; failure to provide required information may result in account restrictions.
Banco Central do Brasil — Circular nº 3.978, de 23 de janeiro de 2020
The original text of an official Central Bank of Brazil circular was downloaded and searched: Articles 17-19 cover customer-information updates, ongoing eligibility assessments and PEP checks; Articles 24-25 cover corporate ownership chains and the risk-based ultimate-beneficial-owner threshold (up to 25%, calculated on direct and indirect holdings); Article 27 requires at least two of three methods for checking foreign PEPs, applicable for five years after leaving office; Article 39 covers transaction monitoring; Article 16 requires collection of minimum identification information for certain foreign legal entities exempt from CNPJ registration.

Fees and timelines

Standard personal current account: CAIXA’s FAQ says no minimum deposit is required to open an account. After an application is formally submitted at a branch or through the CAIXA App, the page states that the account will be opened within 2 business days at the latest. For applications submitted through lottery outlets or CAIXA Aqui agents, the page states completion within 15 business days at the latest. These are the standard processing times published in CAIXA’s personal current-account FAQ as reviewed on 2026-10-26; they do not represent processing times or an approval commitment for non-resident/foreign applicants. The bank’s personal and business account pages link to a fee schedule, but the materials reviewed did not confirm specific account service fees, business-account fees or minimum balances, so no assumptions are made. The current fee schedule for the applied-for product and the bank’s quotation should be consulted.

Limitations and practical considerations

The published conditions for applications by foreign individuals include proof of residence in Brazil and a CPF in good standing. Acceptance of applications from non-residents abroad has not been publicly confirmed.
The publicly described business account process is based on a CNPJ and business documents registered with the competent authority. Acceptance of foreign legal entities and rules for substitute documents have not been publicly confirmed.
A digital account opening page describes a general app process; it does not prove that the process supports foreign identity documents, overseas addresses, applicants abroad, or cross-border video witnessing.
Account-opening documents, account fees, and review outcomes depend on the product and the bank’s current policies. For complex applications, obtain written confirmation through official CAIXA channels.
The Central Bank of Brazil’s register confirms an institution’s identity; it does not guarantee acceptance for a specific personal or business product. Public information does not establish that Rengangyongsheng (Hong Kong) Limited currently offers an appointment or application-assistance channel for account opening.

Licensing evidence and regulatory verification

A specific entity record has been found: a query of the Brazilian Central Bank’s operating-institutions open-data API as of 2026-10-26 returns CAIXA ECONOMICA FEDERAL, CNPJ root number 00360305, institution category Caixa Econômica Federal, and CARTEIRA_COMERCIAL=Sim. This record supports verifying it as an operating financial institution listed by the Central Bank. The API result does not provide a separate license decision number or product-by-product authorization documents, so no specific license number is claimed as verified, and it should not be inferred from this record that CAIXA accepts account applications from non-residents or foreign companies.

Central Bank of Brazil (Banco Central do Brasil, BCB) Official registration or record

Information sources

CAIXA — Conta Corrente
CAIXA's general app-based personal account opening process includes uploading/submitting documents, capturing biometrics and registration. The page links to the personal current account contract and fee schedule. The footer displays the bank's legal name, full CNPJ and head office address.
CAIXA — Perguntas Frequentes: Conta Corrente
Direct account-opening FAQ: service locations, photo ID, the applicant's own CPF in good standing, proof of residence in Brazil for foreign nationals; conditions for proof of income and documents for special cases; no minimum opening deposit for an ordinary personal current account; and processing times stated for in-branch/App and agent channels.
CAIXA — Conta Empresarial CAIXA
Business account products and application channels; CAIXA lists the company's CNPJ, registration and formation documents, and proof of business revenue, as well as the legal representative's CPF, identity document and, where applicable, power of attorney. The page does not state whether foreign legal entities are eligible to open accounts.
Banco Central do Brasil — Relação de Instituições em Funcionamento no País, OData record
The Central Bank's API for data on operating institutions returns a record for CAIXA ECONOMICA FEDERAL, CNPJ root number 00360305, category Caixa Econômica Federal, and commercial business indicator Sim. The same filtered response also contains other institutions with CAIXA in their names, so this record cites only the exact match for the target.
Banco Central do Brasil — Central Bank enhances regulation on prevention of money laundering and terrorist financing
Official English-language guidance from the Central Bank of Brazil on Circular 3,978/2020: risk-based customer identification, qualification review and classification, ongoing reassessment, PEP checks, and transaction records including related parties and the source/destination of funds.
CAIXA — Acordos Internacionais
CAIXA's customer information on FATCA and CRS: applies to financial institutions authorised by BCB; tax-residence information is collected when the customer relationship is established; non-residents for tax purposes provide a foreign tax identification number (NIF); US Person status, CRS and Brazil's participation are explained separately; and missing required information may lead to account restrictions.
Receita Federal do Brasil — CPF registration form for foreigners
The Brazilian Federal Revenue Service’s CPF application page for foreigners explains that applicants may apply to register, amend, cancel, or reinstate a CPF, and describes the application and identity-document submission process.
Receita Federal do Brasil — Orientações para Pessoa Jurídica Domiciliada no Exterior
The Brazilian tax authority states that a legal entity domiciled abroad that holds a demand bank account in Brazil is a case requiring CNPJ registration, and lists the procedure for foreign legal entities to obtain a CNPJ. This tax-registration guidance does not by itself establish that CAIXA accepts account applications from foreign legal entities.
CAIXA — Privacy Notice
CAIXA's privacy notice explains that it processes personal data under Brazil's LGPD and lists account-opening data types, purposes, sharing circumstances, retention practices and customer data rights.

Verification

Research verification

Most recently verified: 2026-10-26
Status: Some information remains to be confirmed: The Central Bank of Brazil’s active institution API was used to find CAIXA ECONOMICA FEDERAL’s specific regulatory-register record, and CAIXA’s publicly stated personal/business account-opening requirements, tax materials, and Brazilian AML baseline were checked. However, there is no public confirmation as to whether CAIXA accepts non-resident individuals living abroad or foreign-incorporated companies, the specific requirements for foreign documents, support for remote witnessing, or specific business account fees.
Author: Drew

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