Itaú, Caixa, Santander, Banco do Brasil, and Bradesco Customers Alerted: Accounts Are Being Closed For Reasons Known By Few

Written by Alisson Ficher

Published on 13/11/2025 at 15:42

Bancos brasileiros ampliam regras de segurança e podem encerrar contas suspeitas de fraudes, contas laranja ou ligadas a apostas não autorizadas.

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Recent Changes in Brazilian Banks Intensify Account Monitoring and Expand the Adoption of Preventive Measures, Affecting Clients of Large Institutions and Strengthening Internal Financial Security Practices in the Country.

Clients of banks such as Itaú, Caixa Econômica Federal, Santander, Banco do Brasil and Bradesco have been dealing, since the end of October 2025, with significant changes in their internal account monitoring procedures.

The Brazilian Federation of Banks (Febraban) has enacted a new self-regulation that advises the closure of accounts classified by institutions as suspected of involvement in fraud, money laundering, or unauthorized operations linked to online betting.

According to Febraban, the initiative aims to standardize preventive practices and provide greater agility in identifying accounts used in illicit schemes.

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Stricter Rules for Suspicious Accounts

The new self-regulation requires participating institutions to adopt procedures capable of identifying accounts linked to fraud, including so-called shell accounts and dummy accounts.

Febraban defines a shell account as one that is opened legitimately but used for illicit purposes with the account holder’s knowledge.

A dummy account, on the other hand, is created without the consent of the person whose data was used, a practice often associated with document forgery and personal information leaks.

Banking security experts explain that these accounts are considered enablers for moving funds derived from criminal activities.

Transactions incompatible with the economic profile, accumulation of transactions from various origins in a short period, and links with accounts already identified as high-risk are among the criteria frequently used to trigger blocks or closures.

The self-regulation also stipulates that the bank inform the client about the termination of the relationship and internally document the technical reasons for the decision, allowing for subsequent audits.

The procedure must comply with the current regulations of the Central Bank.

Control Over Accounts Linked to Unauthorized Betting

Another point covered in the regulation concerns accounts associated with sports betting and online gaming companies that lack authorization from the Secretariat of Prizes and Betting (SPA), an agency of the Ministry of Finance responsible for regulating the sector.

Banks must close accounts of operators not listed on the official authorized list.

According to professionals monitoring market regulation, some sites use intermediary accounts to process deposits and withdrawals, creating parallel structures to formal payment methods.

The self-regulation advises that accounts acting as support for this type of operation should also be terminated.

Participating financial institutions in the mechanism may share, within regulatory limits, information about accounts closed due to suspected fraud.

According to sector analysts, this practice reduces the likelihood that an individual involved in irregularities can open a new account at another institution to continue operating.

Relevant information may be sent to the Central Bank, which has its own systems for preventing money laundering and monitoring irregular conduct.

The integration between banks and regulators is cited by experts as one of the main ways to reduce vulnerabilities in the financial system.

Impacts for Customers Unrelated to Irregularities

Although the focus of the new measures is on combating fraud, ordinary clients may notice greater rigor in verification mechanisms.

In some cases, transactions deemed out of the ordinary may trigger requests for proof of the origin of funds or temporary blocks for review.

Risk prevention professionals advise clients to avoid granting access to their accounts to third parties, as this behavior may be interpreted as incompatible with the client’s profile.

The same applies to lending Pix keys, cards, or passwords.

In cases of blocking or closure, experts recommend that clients immediately contact customer service, register a protocol, and escalate the matter to the ombudsman if necessary.

Internal analysis can clarify any inconsistencies or confirm indications that led the bank to take the measure.

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Itaú, Caixa, Santander, Banco do Brasil, and Bradesco Customers Alerted: Accounts Are Being Closed For Reasons Known By Few

Recent Changes in Brazilian Banks Intensify Account Monitoring and Expand the Adoption of Preventive Measures, Affecting Clients of Large Institutions and Strengthening Internal Financial Security Practices in the Country.

Stricter Rules for Suspicious Accounts

Control Over Accounts Linked to Unauthorized Betting

Impacts for Customers Unrelated to Irregularities

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Itaú, Caixa, Santander, Banco do Brasil, and Bradesco Customers Alerted: Accounts Are Being Closed For Reasons Known By Few

Recent Changes in Brazilian Banks Intensify Account Monitoring and Expand the Adoption of Preventive Measures, Affecting Clients of Large Institutions and Strengthening Internal Financial Security Practices in the Country.

Stricter Rules for Suspicious Accounts

Control Over Accounts Linked to Unauthorized Betting

Information Sharing Between Financial Institutions

Impacts for Customers Unrelated to Irregularities

A giant printer called the “Ferrari” of concrete has landed in Latin America and can already build a 120-square-meter house in just 48 hours, making the traditional construction site look like something from the last century.

Brazil will harvest a record crop of up to 357 million tons of grains, but it does not have the capacity to store a large part of it. The storage deficit has reached the highest level in history and is equivalent to almost the entire production of Argentina.

Four times faster than the Concorde, capable of taking passengers from New York to London in less than an hour at Mach 5.5, and with an engine that switches from turbojet to ramjet mid-flight at Mach 3.5, the Hermeus Quarterhorse went from paper to its first flight in just 19 months.

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