Banks Are Legally Required to Offer a Fully Free Essential Services Package for Any Checking Account

Written by Bruno Teles

Published on 14/10/2025 at 12:31

Os bancos devem, por norma do Banco Central, oferecer pacote de serviços essenciais gratuitos para qualquer conta corrente no Brasil.

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Banks Must, as Determined by the Central Bank, Provide a Totally Free Package of Essential Services for Any Checking or Savings Account, Ensuring Basic Access to Withdrawals, Transfers, and Statements Without Charging Fees.

Many consumers are unaware that banks are legally required to offer free services, in accordance with Resolution No. 3,919/2010 from the Central Bank of Brazil. This rule applies to all financial institutions that operate with personal accounts. The free service ensures that citizens can manage their money safely and efficiently without having to pay for basic operations.

Since 2007, the free package includes withdrawals, transfers, inquiries, and provision of a debit card, within monthly limits defined by the regulation. Even so, some banks omit this information or prioritize paid plans, which reinforces the importance of customers knowing their rights.

What’s Included in the Free Package of Services from Banks

Banks Are Legally Required to Offer a Fully Free Package of Essential Services for Any Checking Account

The package of essential services ensures that account holders have access to a set of basic operations at no cost.

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How to Request the Package of Essential Services

In practice, banks usually do not offer the free package spontaneously, prioritizing fee-paying plans with more operations and monthly costs. Therefore, it is up to the customer to request enrollment.

According to G1, the request can be made directly to the manager, through the app, or via online service channels, simply informing that they wish to switch to the “package of free essential services.”

After the request, the institution is obligated to implement the change at no additional cost.

It’s important that the consumer records the service protocol and monitors the statement in the following months to ensure that no undue fees are charged.

If there is resistance from the bank, the customer can file a complaint with the Central Bank, which is the authority responsible for supervising compliance with this rule.

What the Customer Needs to Know About Limits and Exceptions

Despite guaranteeing free services, the essential services package has monthly usage limits.

If the customer exceeds the number of free withdrawals, transfers, or statements, the bank may charge individual fees for additional operations.

It is also important to remember that the free package does not include credit services, such as credit cards, overdrafts, or loans, nor foreign exchange operations.

The benefit is restricted to the basic movements of the account, sufficient for everyday use.

With the advancement of Pix and digital channels, many account holders can operate within the free limits smoothly.

Pix is free and unlimited for individuals, which reduces the need for traditional withdrawals and transfers, making the essential package even more advantageous.

Why Are Banks Required to Offer This Benefit?

The creation of the essential services package was a public policy measure to expand financial inclusion and reduce banking costs in the country.

Before the regulation, many Brazilians refrained from opening accounts because they could not afford monthly fees.

With the mandatory nature of the rule, banks were compelled to guarantee basic free access, ensuring that any citizen can receive salaries, pay bills, and perform basic operations without relying on fee-paying packages.

The measure also increased transparency and competitiveness in the banking sector, forcing institutions to offer more balanced conditions to consumers.

Nonetheless, ignorance of this right causes many Brazilians to pay unnecessary fees.

Therefore, understanding the rule and demanding the benefit is essential to save money and exercise the right guaranteed by law.

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Banks Are Legally Required to Offer a Fully Free Essential Services Package for Any Checking Account

Banks Must, as Determined by the Central Bank, Provide a Totally Free Package of Essential Services for Any Checking or Savings Account, Ensuring Basic Access to Withdrawals, Transfers, and Statements Without Charging Fees.

What’s Included in the Free Package of Services from Banks

How to Request the Package of Essential Services

What the Customer Needs to Know About Limits and Exceptions

Why Are Banks Required to Offer This Benefit?

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Banks Are Legally Required to Offer a Fully Free Essential Services Package for Any Checking Account

Banks Must, as Determined by the Central Bank, Provide a Totally Free Package of Essential Services for Any Checking or Savings Account, Ensuring Basic Access to Withdrawals, Transfers, and Statements Without Charging Fees.

What’s Included in the Free Package of Services from Banks

How to Request the Package of Essential Services

What the Customer Needs to Know About Limits and Exceptions

Why Are Banks Required to Offer This Benefit?

China has been trying for 13 years to build a railway in the Gobi Desert to reach Mongolia, and there are still 20 kilometers left that no one can finish due to a problem that seems impossible to solve.

At just 14 years old, a boy creates a system without energy, using steel pipes buried in the ground, that irrigates seedlings with moisture from the air, to combat the water scarcity threatening reforestation in northern China.

Where there was only sand and wind at 40 degrees, China built a megacity of 500,000 inhabitants with farms, wineries, and universities in the middle of the desert using melted glacier water from hundreds of kilometers away.

For 45 years, Spain and Morocco have been trying to connect Europe to Africa through a project of just 14 kilometers in the Strait of Gibraltar, and an active tectonic fault on the seabed continues to make the project nearly impossible.

Billions of barrels on the equatorial margin could lead Amapá to double its oil production in Brazil — the state aims to enter the route of companies in the Campos Basin, attract investments, and boost jobs and businesses in the oil and gas sector.

Tire road? Thousands of shredded tires were secretly placed under a ramp in California, preventing a one-year delay in a project on weak soil and supporting a 26-foot-high structure in a corridor connected to I-880.

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