BC Protege+ is a free service from Brazil’s Central Bank that prevents accounts from being opened in your name without your authorization.
When enabled, no bank or financial institution can open an account using your CPF.
How it works
You enable the protection on the Central Bank’s website
Before opening an account, institutions must check this system
If the protection is active, the account cannot be opened
How this may affect your ARQ account
If you are creating your ARQ account and your CPF has Protege+ enabled, you will need to disable it on the Central Bank’s website, wait 1 to 5 minutes, and continue the signup process. After creating your account and registering your Pix keys, you can enable Protege+ again normally.
What BC Protege+ blocks
Opening of checking, savings, and payment accounts
Adding your CPF as an account holder or responsible party
Important to know
It does not affect your existing accounts
It does not block salary or benefit accounts
You can enable or disable it at any time
To open a new account, you must disable the protection first
How to enable
Go to the Central Bank website (Meu BC)
Log in with your gov.br account (silver or gold level)
Enable BC Protege+
Done. Your CPF is now protected against unauthorized account openings.
If you have any questions, just contact support via chat in the app.