Portuguese 
English 
Spanish 
5 min of reading 
0 comments 
New renegotiation program brings together major banks, promises high discounts on debts and relies on digital agreements made directly through the app, with less bureaucracy, extended installment plans, and a simplified process for consumers looking to clear their name and reorganize their financial life.
Nubank confirmed its participation in the New Desenrola Brasil, a federal debt renegotiation program launched in May 2026 to expand agreements between defaulting consumers and financial institutions, with special conditions for those seeking to reduce financial outstanding balances accumulated in recent years.
Within this new phase of the program, participants can obtain discounts of up to 90%, reduced interest, and installment payments for up to 48 months, according to the rules disclosed by the federal government to encourage the regularization of banking debts.
In Nubank’s specific case, all renegotiation will occur directly through the institution’s official app, without the need to access external platforms or complete additional steps outside the digital environment used daily by customers.
-
Brazil can reach 20% biodiesel in diesel fuel: the Future Fuel Law foresees an annual increase of one point, and the government wants to approve the next step, from 15% to 16%, still this year.
-
While Brazil has the highest tax burden in the world, Paraguay attracts Brazilians with a 10% VAT and a tax burden almost 18 points lower; the Brazilian reform bets on a dual VAT to reorganize a system that collects 33.7% of GDP and surpasses the Latin American average.
-
The Government of Italy makes a prediction that excites Brazilians, foreseeing Italian food becoming cheaper with tax cuts that could reach US$ 63 million.
-
The quantum battery that uses entangled qubits quadruples the capacity of the quantum computer — and the experiment was led by Australia’s CSIRO with Queensland and Okinawa.
As soon as the offer is available, eligible users will be able to view updated debt amounts, analyze lump-sum or installment payment options, and finalize the agreement with a few taps within the bank’s own app.
According to the institution, “the renegotiation journey occurs entirely within the app, without redirection to external portals.”
The bank also states that the customer finds the personalized offer, with applied discount and installment options before confirming the renegotiation.
How debt renegotiation works in the Nubank app
To participate in the initiative, consumers must meet the criteria established by the federal government, which include a monthly income of up to five minimum wages and debts contracted until January 31, 2026, with delays between 90 days and two years.
Among the debts included in the renegotiation are outstanding balances related to credit cards, overdrafts, and unsecured personal loans, modalities considered among the main causes of increased default in the country.
In addition to special renegotiation conditions, the program establishes a limit of up to R$ 15 thousand per person at each participating financial institution, allowing for personalized agreements according to each client’s profile and financial situation.
In the Nubank app, the offer appears for those who meet the rules.
The bank informs that eligible customers may be notified via push, email, WhatsApp, or directly through the app, always with the guidance to check the proposal on official channels.
After choosing the condition, payment can be made with the available balance in the Nubank account or via a bank slip sent to the registered email.
After confirmation, the institution begins the process of removing the name from credit protection agencies within five business days.
Discounts, installment payments, and FGTS usage are included in the program rules
Announced by the federal government on May 4, 2026, the New Desenrola Brasil is expected to last 90 days and brings together measures aimed at expanding access to credit and reducing the number of negative consumers.
Among the rules presented are descounts of up to 90% on old debts, a maximum interest rate of 1.99% per month, and a period of up to 35 days for the start of payment after formalizing the agreement.
Furthermore, the program allows the use of part of the FGTS balance to reduce debts, provided that the limits and criteria officially defined for adherence to the initiative are respected.
According to the official rules, workers may use 20% of the linked account balance or up to R$ 1 thousand, whichever is greater, to reduce or settle debts covered by the initiative.
Another foreseen point is the removal of negative credit status for individuals with debts up to R$ 100.
For larger amounts, regularization depends on the contracting and fulfillment of the agreement made with the financial institution.
Banco do Brasil, Bradesco, and Itaú also joined Desenrola
In addition to Nubank, Banco do Brasil, Bradesco, and Itaú also announced their adherence to the New Desenrola Brasil, expanding the initiative’s reach among the largest financial institutions operating in the country.
Meanwhile, Santander and Caixa appear among the participating banks announced in the new phase of the program, strengthening the expectation of expanding renegotiations for millions of defaulting consumers.
At Bradesco, clients can express interest through the bank’s official channels while conditions are organized according to the program’s rules.
Banco do Brasil also made service available for clients to check eligibility and follow up on renegotiation options.
Itaú informed of its own channel for those interested in negotiating outstanding debts within the initiative.
As each institution defines the operational journey on its own channels, consumers should only consult applications, internet banking, or official pages of the bank where they have the debt.
Government and banks warn consumers about scams during agreements
To avoid scams during the renegotiation process, the main recommendation is to be suspicious of links sent via suspicious messages, social media, or pages without official confirmation from financial institutions.
According to guidance released by the federal government, interested consumers should seek service directly through the applications, official websites, or authorized channels of the banks where they have financial outstanding debts.
Nubank reinforces that it does not request passwords, authentication codes, or full card numbers via WhatsApp, email, or phone calls.
The offer check should be done within the app itself, where negotiation details and conditions available for each client appear.
For Nubank users, the absence of an offer in the app indicates that the CPF (Brazilian individual taxpayer registry number) was not framed within the criteria defined for that stage of the program.
Even so, the bank states that it can offer other renegotiation alternatives outside of Novo Desenrola Brasil.
The program also establishes a temporary restriction on betting.
Those who renegotiate debts through Novo Desenrola Brasil will have their CPF blocked on betting websites and applications for one year, as determined by the federal government.
The participation of major banks expands the reach of the new round of renegotiations, but the final conditions vary according to the client’s profile, type of debt, delay time, and the policy of each participating institution.
Be the first to react!