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Brazilian Justice Authorizes Sharing of Banking Data and Government Plans to Incorporate Forgotten Money in Dormant Accounts and Uninventoried Inheritances.
The Brazilian justice system has opened a precedent that may change the way citizens handle their money. In September 2025, the Brazilian justice authorized the sharing of banking data among financial institutions and public bodies, which, in practice, paves the way for information about transactions to be accessed without individual judicial authorization. According to the law firm Marcello Benevides Advogados, the measure connects to a government strategy to use forgotten resources in dormant accounts and uninventoried inheritances.
This movement was officially presented as “not being a breach of banking confidentiality.”
However, experts claim that it significantly reduces the privacy of account holders and may affect the assets of millions of Brazilians who have dormant accounts or funds that have not been moved for long periods.
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End of Absolute Banking Secrecy
According to attorney Marcelo Benevides, the Supreme Court’s decision has a direct impact on the population’s trust in the financial system.
Information about Pix, credit cards, loans, and transactions in dormant accounts will be shared automatically, increasing the government’s reach over citizens’ resources.
The current scenario, marked by a trillion-dollar fiscal deficit, raises concerns that similar measures could be used to bolster public revenues.
For Marcello Benevides Advogados, the precedent opens the door for increasingly stringent state control over Brazilians’ money.
Forgotten Money in Dormant Accounts
One of the most controversial points is the possibility for the government to incorporate forgotten amounts in dormant accounts or in uninventoried inheritances.
According to information discussed by Benevides, the measure would have support in the Law 2,313/1954, which authorizes the use of these resources by the National Treasury.
Although the Secretariat of Social Communication of the Presidency asserts that it is not about confiscation, but rather about complying with the law, experts question the practical effects: for citizens, the result is the direct loss of amounts deposited in dormant accounts for years, without prior notice.
Drex and Digital Control
Another topic raised by Marcello Benevides Advogados is the Drex, a digital currency officially under development by the Central Bank.
The system will be based on blockchain, but with centralized control by the government, allowing real-time monitoring of all financial transactions including those in dormant accounts.
This mechanism could open the door for direct tax collection from citizens’ accounts, without needing judicial authorization, which, according to Benevides, represents the end of financial privacy in the country.
International Parallels
The discussion is not exclusive to Brazil. In the United States, there is strong legislative resistance to a digital dollar, with lawmakers advocating for limits on government actions.
In China, the digital yuan has already been launched, but faces popular rejection and low adoption.
For Benevides, the Brazilian case resembles the Chinese model, with the risk that centralized control over dormant accounts and banking transactions will reduce citizens’ trust in the financial system.
Wealth Protection Strategies
In light of this scenario, Marcello Benevides Advogados points out alternatives for those seeking to reduce risks: opening accounts abroad in fintechs like Nomad and Wise, creating offshore companies in international jurisdictions, using cryptocurrencies stored in physical wallets, and investing in gold.
The firm emphasizes, however, that no solution is definitive.
Brazil’s history with measures such as the confiscation of savings in the 1990s shows that the risk of state intervention can never be entirely disregarded.
Recent decisions by the Brazilian justice system and the government’s plans to utilize forgotten resources in dormant accounts and uninventoried inheritances raise a warning about the limits of financial privacy in Brazil.
The debate involves a balance between public revenue and individual wealth protection, but still generates insecurity among experts and account holders.
And you, do you believe that the use of funds in dormant accounts is a legitimate measure, or do you see it as a disguised confiscation risk?
Leave your opinion in the comments — we want to hear from those who are living this reality.
Na minha opinião o governo está correto. Quem deixa uma conta parada, sem nenhuma movimentação, certamente não precisa dessa dinheiro.
O governo socialista com total viés ditatorial está entrando de casa a dentro, daqui a pouco o brasileiro será preso por não quer dividir o apto com os companheiro do partido, caso os mesmo desejem seu apto ou casa.
Tudo já do Estado há muito, já que 40% de tarifas pagamos para não termos nada a não ser sustentar um bando de m@landr●s a começar pelos políticos brasileiros, que nojo do Brasil! 🤮🤮🤮🤮🇧🇷👎👎👎
Isso é um absurdo, o Governo deveria tomar outras medidas melhores e justas, como parar de sustentar cidadãos que não querem nada com trabalho pra viver de auxílio e bolsa família, isso sim impacta os cofres públicos em todos os sentidos, deveriam impor limites até no máximo seis meses,para que arrumassem empregos, e por outro lado não se pode exigir experiência pra quem tá entrando no mercado de trabalho, ao invés de mexerem em valores bancários, isso é inaceitável!