Registrato is a free service from the Central Bank that shows, in one place, loans, credit cards, financing, and accounts under your CPF across all financial institutions in the country.
What is Registrato
Registrato gathers information that banks, financial companies, cooperatives, and payment institutions send to the Central Bank. It was created so citizens themselves can see this data, which was previously available only to institutions.
The query is done online, has no cost, and can only be done by the CPF holder. No one needs to pay an intermediary to access the report, and the Central Bank charges nothing for it.
The official address is on the Central Bank website: bcb.gov.br/cidadaniafinanceira/registrato.
Available reports
When you log in, you choose which report you want to see. The main ones are:
- Loans and Financing (SCR): debts with banks and financial companies, including credit card, overdraft, personal loans, payroll loans, car and real estate financing.
- Accounts and Relationships (CCS): lists institutions where you have or had a checking account, savings account, investments, or other financial relationships.
- Pix Keys: shows the keys registered under your CPF and which institutions they are with.
- Bounced Checks (CCF): informs whether there are returned checks registered in your name.
- Foreign exchange operations: remittances and foreign currency purchases made in your name.
For those who want to understand their own debts, the Loans and Financing report is the most relevant.
What appears in the debt report
The SCR report (Credit Information System) shows, month by month, how much you owe to each institution and the status of each debt. Operations are separated by type and term.
Values appear in ranges such as "due", "overdue", "written off", and "credit limit". In practice:
- Due: installments that have not yet reached maturity. A loan in good standing appears almost entirely here.
- Overdue: amounts in arrears, separated by how long they are overdue.
- Written off: old debts that the bank already considers difficult to collect and has recorded as an accounting loss. This does not mean the debt has disappeared.
- Credit limit: the released limit that has not yet been used, such as your credit card limit or overdraft limit.
An example: if you have a credit card with a R$ 5,000 limit and an open invoice of R$ 1,200, the report may show the used portion as debt due and the remainder as available credit.
How to consult, step by step
Access is done through your gov.br account, the same one used for other federal government services. You need to have a silver or gold level account.
- Go to the Registrato website through the Central Bank address.
- Click to access and log in with your gov.br account.
- If your account is still at bronze level, upgrade it through the gov.br app with facial validation or through an accredited bank's internet banking.
- Authorize data sharing with the Central Bank when the system asks.
- Choose the "Loans and Financing" report and the reference month.
- Download the file in PDF or view it on screen.
The process takes just a few minutes when your gov.br account is already at the right level.
Why the report has a delay of a few weeks
Institutions send data to the Central Bank monthly, and processing takes time. That's why the most recent report usually refers to one or two months ago.
If you paid off a debt last week, it may still appear as open. Before complaining, check the report's reference date and wait for the next update.
Small debts may not appear because submission to the SCR follows a minimum amount per operation set by the Central Bank.
Registrato and credit bureaus: what's the difference
Many people confuse Registrato with CPF queries at credit bureaus like Serasa, Boa Vista, SPC Brasil, and Quod. They are different things that complement each other.
Credit bureaus record negative entries from various types of creditors: stores, phone operators, utility accounts, and also banks. Registrato shows only operations with institutions supervised by the Central Bank, but includes debts in good standing, not just those in arrears.
So an overdue mobile phone bill may appear on Serasa and not on Registrato. A payroll loan in good standing, on the other hand, appears on Registrato and does not show as a negative entry at the credit bureaus.
Banks consult the SCR before approving credit. That's why debts marked as written off in the report usually weigh on the analysis even when the name has already been removed from the credit bureaus.
Found something you don't recognize?
Registrato also helps you discover fraud, such as a loan or credit card opened by someone else using your CPF. If an unusual transaction appears:
- Note the institution's name, the type of transaction, and the amount.
- Contact the institution and ask for contract details and the protocol number.
- If it's fraud, file a police report, which can be done online in most states.
- If the institution doesn't resolve it, contact their ombudsman and then file a complaint with Banco Central or at Consumidor.gov.br.
Correcting data in the SCR is the responsibility of whoever sent the information. Banco Central doesn't alter the report on its own, but complaints filed there are forwarded to the institution.
How to use the report to organize your debts
With the PDF in hand, create a simple list with each debt, the creditor, the amount, and whether it's current or overdue. This gives you a clear picture of what needs to be negotiated first.
Overdue debts with high interest, such as credit card and overdraft, are usually first in line. A loan that's current can wait.
Checking again every few months also helps you track whether agreements are being registered and whether any new transactions have appeared that you didn't authorize.