English 
Francês 
Alemão 
Italiano 
Japonês 
Norueguês 
Portuguese 
Spanish 
6 min of reading 
0 comments 
With the New Tool from the Central Bank, BC Protect+ Allows You to Block Account Openings in Your Name for Free, Directly on Meu BC, Reduces Fraud with Fake Documents, and Gives Citizens Control Over Their Daily Financial Life Across the Country Against Increasing Scams.
The new tool from the Central Bank is already active and is silently changing the relationship between consumers, banks, and scammers. BC Protect+ allows anyone to prevent financial institutions from opening new accounts in their name online, using only a gov.br login in the Meu BC digital environment.
In practice, the citizen now has an official “lock” on their CPF, capable of blocking scams with fake documents and unauthorized registrations in banks. The service is free, can be activated and canceled at any time and was created to respond to the increase in online fraud and the opening of accounts without authorization.
What the New Tool from the Central Bank Changes in Your Financial Life
With BC Protect+, the restriction on account openings is registered directly in the Central Bank’s systems.
-
Unemployment rises again to 5.8% at the beginning of 2026, raising alarms about the end of temporary positions and its impact on the Brazilian job market.
-
Document organization can cut invisible costs in small businesses, a simple step that prevents waste, rework, and losses in daily operations.
-
Chinese giant worth nearly R$ 4 billion that manufactures cables for electric cars, solar energy, and robotics wants to open a factory in SC.
-
Many employers do not know, but the law guarantees domestic workers a 25% increase in salary during trips, 50% for overtime, 20% for night shifts, and 17 additional benefits that can lead to labor lawsuits if not paid.
Once the block is activated, all financial institutions are automatically notified and are prevented from opening a new checking or savings account in the name of that CPF.
This means that if a scammer attempts to use your data to create an account and commit fraud, the bank will receive the block information and must refuse to open the account.
The goal is to tackle the scam at its source, before the fraudulent account exists, reducing losses for the consumer and risk for the financial system itself.
The tool also helps prevent another type of fraud: the unauthorized inclusion of someone as an account holder in third-party accounts, a practice used to hide the true identity behind suspicious operations. By activating BC Protect+, the citizen limits the use of their name and CPF in banking registrations they do not control.
How Blocking Works on Meu BC in Practice
The use of the new tool from the Central Bank is designed to be simple and fully online. The basic step-by-step is as follows:
- Access the official Central Bank website
- Go to the Meu BC area
- Log in using your gov.br username and password
- Locate the BC Protect+ service
- Activate the block for opening accounts in your name
After this activation, the BC automatically sends the restriction to all participating financial institutions, which must respect the block whenever someone tries to open an account associated with your CPF.
The service is free and does not require contact with a manager or a visit to the agency. Everything is done by the user, within the Central Bank’s digital environment, with secure authentication via the gov.br account.
Which Types of Accounts Does BC Protect+ Block and Which Are Still Possible
According to the G1 portal, the new tool from the Central Bank particularly protects against scams related to accounts used for everyday transactions. The block applies to:
- Checking accounts
- Savings accounts
In these two cases, no bank should open a new account while the block is active. This is the heart of protection against fraud with fake documents.
However, there is one important exception: BC Protect+ does not prevent the opening of salary accounts, which are created exclusively for workers to receive payments from their employer. The logic is to ensure that citizens do not lack a basic channel to receive their salary, even if they have chosen to keep the opening of other accounts blocked.
If the consumer decides in the future to open a new checking or savings account, they can access Meu BC again, deactivate the BC Protect+ block, and follow the normal flow with the chosen bank. The control remains in the hands of the account holder at all times.
Why the Central Bank Launched a New Tool for Protection Against Scams
The rise of digital fraud and scams with fake documents motivated the creation of the new tool from the Central Bank. In many cases, criminals obtain personal data from consumers, open bank accounts without their knowledge, and use these accounts to commit fraud against third parties or launder money.
By allowing citizens to close the “entry door” for opening new accounts, the BC aims to reduce the operational base of these schemes.
The more people activate the block, the fewer accounts will be available for scammers’ use.
According to the Central Bank’s Citizenship and Conduct Supervision Directorate, BC Protect+ also contributes to the integrity of the financial system because it decreases the number of suspicious accounts and helps institutions focus on genuinely legitimate operations.
In the first hours of operation, thousands of people had already activated BC Protect+, signaling that there is real demand for digital self-protection tools directly linked to the CPF.
Advantages and Limitations of the New Tool from the Central Bank
The main advantages of BC Protect+ are:
- 100% free service for citizens
- Online activation and cancellation via Meu BC
- Automatic communication to financial institutions
- Protection against account openings with fake documents
- Reduction of the risk of unauthorized inclusion as a holder in third-party accounts
On the other hand, it is important to understand its limitations. The tool does not prevent ongoing scams on accounts you already possess, nor does it replace regular monitoring of bank statements, care with passwords, and vigilance regarding suspicious links.
Additionally, the block does not apply to salary accounts, and it does not affect other financial products already contracted, such as loans or cards.
It is an additional layer of defense, specifically focused on the opening of new accounts.
Who Should Consider Activating BC Protect+ Now
The new tool from the Central Bank can be especially useful for certain profiles:
- People who have had documents stolen or lost
- Citizens who rarely open new accounts and want to minimize risks
- Elderly individuals and family members who desire extra protection against recurring scams
- Those who have already suffered attempts at fraud involving account openings without authorization
In all these cases, the cost of locking the “digital lock” is zero, and the potential to avoid problems is high.
If the consumer needs to open an account in the future, they just need to deactivate the block, complete the process with the bank, and if desired, reactivate the protection afterwards.
For other profiles, who frequently open accounts or try new banks and digital wallets, BC Protect+ can also be used, but it will require a bit more management: activating, deactivating, and reactivating as needed.
How to Combine the New Tool from the Central Bank with Other Security Measures
The best strategy is to treat BC Protect+ as part of a protection package. Besides activating the new tool from the Central Bank, it is worthwhile to maintain some routines:
- Update your gov.br password and banking applications frequently
- Be suspicious of calls and messages asking for confirmation codes
- Avoid sharing photos of documents in messaging apps
- Regularly check your CPF with official services and credit bureaus
- Monitor news and announcements from the Central Bank about new features
In this way, citizens reinforce multiple layers of security at the same time: from everyday use of applications to the structural barrier against new accounts in their name.
In the end, the central message of BC Protect+ is simple: your CPF is yours, so the decision should also be yours. The new tool simply transforms this idea into a concrete mechanism, available to anyone with access to Meu BC and an active gov.br account.
And you, have you considered activating the new tool from the Central Bank for your CPF or do you still think it’s an exaggeration to block the opening of new accounts in your name?
-
-
-
8 pessoas reagiram a isso.