Central Bank Instruction No. 724 of April 16, 2026: Publication of Version 7.0 of the Open Finance Data and Services Scope Manual

CENTRAL BANK INSTRUCTION NO. 724, OF APRIL 16, 2026

Publishes version 7.0 of the Open Finance Data and Services Scope Manual.

The Heads of the Financial System Regulation Department (Denor), the Department of Supervision of Cooperatives and Non-Bank Institutions (Desuc), the Banking Supervision Department (Desup), and the Information Technology Department (Deinf), using the authority granted to them by Art. 23, item I, letter "a", of the Internal Regulations of the Central Bank of Brazil, annexed to Resolution BCB No. 340, of September 21, 2023, based on Art. 3, item I, of Resolution BCB No. 32, of October 29, 2020,

RESOLVE:

Art. 1. This Instruction publishes version 7.0 of the Open Finance Data and Services Scope Manual, which is mandatory for participating institutions, as per the Annex.

Sole Paragraph. The manual referred to in the caput, in its most recent version, will be available on the Open Finance page on the Central Bank of Brazil's website and on the Open Finance Portal of Brazil, maintained by the Governance Structure for Open Finance referred to in Art. 44, § 1, of Joint Resolution No. 1, of May 4, 2020.

Art. 2. Instruction BCB No. 587, of January 31, 2025, published in the Official Gazette of the Union on February 4, 2025, is hereby revoked.

Art. 3. This Instruction enters into force on the date of its publication.

MARDILSON FERNANDES QUEIROZ Head of Denor

ADALBERTO FELINTO DA CRUZ JUNIOR Head of Desuc

RICARDO SIVIERI ZENI Head of Desup

CAIO MOREIRA FERNANDES Head of Deinf

ANNEX TO CENTRAL BANK INSTRUCTION NO. 724, OF APRIL 16, 2026 Open Finance Data and Services Scope Manual Version 7.0

Summary of Changes

Date	Version	Description of Changes
16/4/2026	7.0	Inclusion of data and scope related to the optimized payment transaction initiation service with data sharing (optimized journey) (section 7).

Terms of Use This manual details the technical requirements for implementing the elements necessary for the operation of Open Finance, complementing the current regulation on the subject. The manual will be reviewed and updated periodically to ensure compatibility with the regulation, as well as to incorporate improvements resulting from the evolution of Open Finance and technology. More detailed information and examples of the application of this manual can be found in the guides and tutorials available on the Open Finance Portal of Brazil, in the Developer Area. Suggestions, criticisms, or requests for clarification regarding the content of this document can be sent to the Central Bank of Brazil through the institution's official channels.

References The specifications contained in this manual are based on, reference, and complement, when applicable, the following documents and elements: I - Joint Resolution No. 1, of May 4, 2020; II - Circular No. 4.015, of May 4, 2020; III - Resolution BCB No. 32, of October 29, 2020; IV - Resolution BCB No. 1, of August 12, 2020; V - Document 3040 (Credit Risk Data); VI - CNSP Resolution No. 415, of July 20, 2021; VII - Susep Circular No. 635, of July 20, 2021; VIII - Law No. 13.709, of August 14, 2018 (General Data Protection Law - LGPD); IX - ISO 3166; X - ISO 4217; and XI - Open Finance Portal of Brazil. Normative acts within the competence of the National Monetary Council or the Central Bank of Brazil can be accessed on the Central Bank of Brazil's website (www.bcb.gov.br), via the "Search for norms" option.

1. Introduction The data and services subject to sharing are a primordial part of Open Finance, as they will be determinants for the degree of usefulness and interest in Open Finance by society. Thus, ensuring the quality, availability, and integrity of these data and services is fundamental to building trust in Open Finance. Joint Resolution No. 1, of May 4, 2020, establishes the obligation to share data of products and services made available by institutions to their clients, while Circular No. 4.015, of May 4, 2020, disciplines the scope of these data. This manual was prepared to specify the minimum detailing and standardization necessary for sharing. In this sense, the fields in the tables below are listed with additional information and description of attributes, when pertinent. For the implementation of Application Programming Interfaces (APIs) in accordance with the requirements of current regulation, detailed technical guidance must be made available on the Open Finance Portal of Brazil. The data listed in this manual are mandatory for implementation, in accordance with Circular No. 4.015, of 2020, and are translated into the technical specification according to the analysis and deliberation of the Open Finance Governance Structure, and may be consolidated or expanded into multiple fields. When certain data are considered optional, according to the technical specifications of the Open Finance Governance Structure, participating institutions may only refrain from sending data for which there is impossibility due to their non-existence, with no discretion in this forwarding. It should be noted that participating institutions in Open Finance have autonomy to decide on the sharing of data additional to those related in this manual, provided that prior client consent regarding personal data is respected and current legislation and regulation are observed. Prior client consent, for determined purposes and timeframes, is also required for the sharing of the client's registration and transactional data provided for in this manual. This manual also specifies the minimum data necessary for sharing the payment transaction initiation service, as well as details the scope of payment modalities that must be implemented in Open Finance, according to the schedule established by the Central Bank of Brazil. Regarding data, in addition to the minimum information for payment transaction initiation, the data set forth in the regulations or instruments that govern the operation of the payment arrangement related to the respective payment transaction and other data established in the specifications available on the Open Finance Portal of Brazil must generally be provided. For the operational aspects of Open Finance, it is necessary to consult complementary information sources, available on the Open Finance Portal of Brazil, where specifications related to the high-level view, the data dictionary (in this case, the type, format, size, and other pertinent attributes of data fields), as well as data groupings and API codes, can be found. Finally, it is worth highlighting that fostering competition among financial institutions, payment institutions, and other institutions authorized to operate by the Central Bank of Brazil, through the comparability of shared information, is one of the objectives to be achieved with Open Finance. Thus, all information contained in this manual must be provided in accordance with the standardization established in current regulation, when applicable.

2. Data on Service Channels In accordance with current regulation, data on service channels must cover, at a minimum, the fields listed in the tables below.

2.1 Own Branches

Data	Field	Additional Clarifications
Identification	Brand	Name of the brand reported by the Open Finance participant. The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the branch.
	Institution CNPJ	Full CNPJ number of the institution responsible for the branch.
Branch Name
Branch CNPJ
Branch Identifier Code
Branch Check Digit
Additional Field for URL (CNPJs)	Link URL	For a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
Branch Type	Branch type, according to the classification established by the regulation that provides for the installation, in the country, of branches of financial institutions and other institutions authorized to operate by the Central Bank of Brazil.
	Code of the agency linked to the service point
	Branch Opening Date
Location	Full Address
	Complement
	Neighborhood
	Municipality
	Municipality IBGE Code	7 digits (the last is a check code).
	State Abbreviation
	ZIP Code
	Country
	Country Code	According to the "alpha3" code of ISO-3166.
	Latitude	Between -90 and 90. Numeric format, 2 digits before the comma, 11 positions.
	Longitude	Between -180 and 180. Numeric format, 3 digits before the comma, 11 positions.
Access Method	Opening Hours
	Closing Hours
	Operating Days
	Access Restriction Indicator
Phone Type	Fixed or mobile.
	DDI
	DDD
	Phone Number
Services Provided	Service Names	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Service Codes	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.2 Correspondents in the Country

Data	Field	Additional Clarifications
Identification	Brand	Name of the brand reported by the Open Finance participant. The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Principal Institution Name	Name of the institution responsible for the correspondent in the country.
	Principal Institution CNPJ	Full CNPJ number of the institution responsible for the correspondent in the country.
	Contractor Name
	Contractor CNPJ
	Correspondent in the Country Name
	Correspondent in the Country Conglomerate Name
	Correspondent in the Country CNPJ
	Subcontracting	1. no, 2. yes.
Location	Full Address
	Complement
	Neighborhood
	Municipality
	Municipality IBGE Code	7 digits (the last is a check code).
	State Abbreviation
	ZIP Code
	Country
	Country Code	According to the "alpha3" code of ISO-3166.
	Latitude	Between -90 and 90. Numeric format, 2 digits before the comma, 11 positions.
	Longitude	Between -180 and 180. Numeric format, 3 digits before the comma, 11 positions.
Access Method	Opening Hours
	Closing Hours
	Operating Days
	Access Restriction Indicator
Phone Type	Fixed or mobile.
	DDI
	DDD
	Phone Number
Services Provided	Service Names	List of services effectively provided, detailed in Subitem 2.5.3 of this manual.
	Service Codes	Codes of services effectively provided, detailed in Subitem 2.5.3 of this manual.

2.3 Electronic Channels

Data	Field	Additional Clarifications
Channel	Brand	Name of the brand reported by the Open Finance participant. The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the electronic channel.
	Institution CNPJ
Additional Field for URL (CNPJs)	Link URL	For a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
Channel Type	Internet banking, mobile banking, or chat.
Access Method	Access Type	1. URL for access to internet banking, 2. URL for app acquisition, 3. URL for chat, 4. others.
Services Provided	Service Names	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Service Codes	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.4 Other Available Channels

2.4.1 Telephone Channels

Data	Field	Additional Clarifications
Channel	Brand	Name of the brand reported by the Open Finance participant. The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the telephone channel.
	Institution CNPJ
Additional Field for URL (CNPJs)	Link URL	For a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
Channel Type	Telephone center, SAC (Customer Service), and Ombudsman.
Access Method	DDI
	DDD
	Phone Number
Access Type	1. telephone center, 2. SAC, 3. Ombudsman, 4. others.
Services Provided	Service Names	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Service Codes	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.4.2 Shared Self-Service Terminals

At present, the implementation of an endpoint for sharing data related to third-party shared self-service terminals is optional.

Data	Field	Additional Clarifications
Identification	Brand	Name of the brand reported by the Open Finance participant. The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Principal Institution Name	Name of the institution responsible for the branch.
	Principal Institution CNPJ	Full CNPJ number of the institution responsible for the branch.
Additional Field for URL (CNPJs)	Link URL	For a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
Owner Name
Location	Full Address
	Complement
	Neighborhood
	Municipality
	Municipality IBGE Code	7 digits (the last is a check code).
	State Abbreviation
	ZIP Code
	Country
	Country Code	According to the "alpha3" code of ISO-3166.
	Latitude	Between -90 and 90. Numeric format, 2 digits before the comma, 11 positions.
	Longitude	Between -180 and 180. Numeric format, 3 digits before the comma, 11 positions.
Access Method	Opening Hours
	Closing Hours
	Operating Days
	Access Restriction Indicator
Services Provided	Service Names	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Service Codes	Codes of services effectively provided, detailed in Subitem 2.5.2 of this manual.

2.5 Classification of Branches and Services Provided

2.5.1 Types of Branches The types of branches of institutions authorized to operate by the Central Bank of Brazil, according to current regulation that provides for the installation, in the country, of branches of financial institutions and other institutions authorized to operate by the Central Bank of Brazil, and that can be shared in Open Finance, are the following: I - Branch; II - Service Point (PA); III - Electronic Service Point (PAE); and IV - Disaggregated Administrative Unit (UAD).

2.5.2 Types of Services Provided by Branches or Service Points The list of services provided by branches or service points must be in accordance with that established by the applicable regulation for its disclosure in the form of open data, detailing, at a minimum, the following: I - opening of deposit or prepaid payment accounts; II - withdrawal of cash currency; III - receipts, payments of any nature; IV - electronic transfers aimed at moving deposit or payment accounts owned by clients; V - balance and statement inquiries for deposit and payment accounts; VI - investments and redemptions; VII - active and passive execution of payment orders upon request by clients and users; VIII - cash and check deposits; IX - credit operations, as well as other services provided for monitoring the operation; X - credit card; XI - insurance; XII - leasing operations; XIII - opening of post-paid payment accounts; XIV - purchase and sale of foreign currency in cash; XV - purchase and sale of checks or traveler's checks, as well as loading foreign currency onto prepaid cards; XVI - purchase and sale of gold; and XVII - other products or services. The codes corresponding to the related services must be standardized for common observance by all participating institutions.

2.5.3 Types of Services Provided by Correspondents in the Country The service activities carried out by correspondents in the country, according to current regulation, are the following: I - reception and forwarding of proposals for opening deposit and payment accounts maintained by the contracting institution; II - carrying out receipts, payments, and electronic transfers aimed at moving deposit and payment accounts owned by clients maintained by the contracting institution; III - receipts and payments of any nature, and other activities resulting from the execution of service provision contracts and agreements maintained by the contracting institution with third parties; IV - active and passive execution of payment orders processed through the contracting institution upon request by clients and users; V - reception and forwarding of proposals for credit and leasing operations granted by the contracting institution, as well as other services provided for monitoring the operation; VI - receipts and payments related to bills of exchange accepted by the contracting institution; and VII - carrying out exchange operations that are the responsibility of the contracting institution. The codes corresponding to the related services must be standardized for common observance by all participating institutions.

3. Data on Products and Services Available for Subscription

3.1 Checking, Savings, and Prepaid Payment Accounts

Data	Field	Additional Clarifications
Identification	Brand	Name of the brand reported by the Open Finance participant. The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the account.
	Institution CNPJ
Additional Field for URL (CNPJs)	Link URL	For a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
Account Type	Checking deposit account, savings deposit account, or prepaid payment account, in accordance with current regulation.
Fees Charged for Ad Hoc Services	Denomination	List of services subject to fee charges, according to current regulation.
	Acronyms	According to current regulation.
	Billing Triggers	According to current regulation.
	Currency	According to ISO 4217.
	Value	Relative frequency distribution of values regarding fee charges for the provision of priority services, services within the Pix payment arrangement, and the payment transaction initiation service, reported in accordance with Resolution BCB No. 32, of 2020.
Service Packages	Package Denomination	According to current regulation.
	Names of Included Services	According to current regulation.
	Billing Triggers	According to current regulation.
	Currency	According to ISO 4217.
Events Foreseen in the Service Package	Monthly Quantity.
	Currency	According to ISO 4217.
Monthly Fee	Relative frequency distribution of values regarding fee charges, in accordance with Resolution BCB No. 32, of 2020.
Movement Methods	Movement Methods	1. electronic movement, 2. movement with check, 3. movement with card, 4. in-person movement.
Contractual Terms and Conditions	Minimum Balance (currency)	According to ISO 4217.
	Minimum Balance (value)	Open field.
	Eligibility Criteria	Open field.
	Closing Procedures	Open field (possibility to include URL).
Channels Available for Opening and Closing	List of Channels	1. own branches, 2. correspondents in the country, 3. internet banking, 4. mobile banking, 5. telephone channels, 6. chat, 7. others.
Target Audience	List of Target Audiences	1. natural person, 2. legal entity, 3. both.
Remuneration Form and Yield Rate	Remuneration Form Description	Information according to current regulation.
	Percentage in Favor of the Prepaid Payment Account Holder	Open field.

3.2 Post-Paid Payment Accounts

Data	Field	Additional Clarifications
Identification	Brand	Name of the brand reported by the Open Finance participant. The concept to which the brand refers is, essentially, a promise by institutions to provide a specific series of uniform attributes, benefits, and services to clients.
	Institution Name	Name of the institution responsible for the account.
	Institution CNPJ
Additional Field for URL (CNPJs)	Link URL	For a complementary list, with names and CNPJs grouped in case institutions offer products and services with the same characteristics.
Denomination	Account Identification	Identification of the name of the post-paid payment account (card).
Classification	Category	Category assigned to the payment card, under a certain denomination, which adds a set of benefits to it, differentiating it according to the client's profile.
Payment Arrangement	Payment Arrangement Issuer
Benefits and Rewards Program	Benefits or Rewards Program	1. no, 2. yes.
Program Terms and Conditions	Open field (possibility to include URL).
Fees	Denomination	According to current regulation.
	Acronyms	According to current regulation.
	Billing Triggers	According to current regulation.
	Currency	According to ISO 4217.
	Value	Relative frequency distribution of values regarding fee charges for the provision of priority services related to credit cards, reported in accordance with Resolution BCB No. 32, of 2020.
Remuneration Rates	Revolving Credit (currency)	According to ISO 4217.
	Revolving Credit (value)	Relative frequency distribution of values regarding revolving credit in accordance with Resolution BCB No. 32, of 2020.
	Installment of Invoice Debtor Balance (currency)	According to ISO 4217.
	Installment of Invoice Debtor Balance	Relative frequency distribution of values regarding revolving credit in accordance with Resolution BCB No. 32, of 2020.
Other Credit Operations	1. withdrawal in credit function, 2. bill payment, 3. others.
	Currency	According to ISO 4217.
Target Audience	List of Target Audiences	1. natural person, 2. legal entity, 3. both.
Contractual Terms and Conditions	Minimum Payment Rule for Invoice Debtor Balance	Percentage of the invoice debtor balance value.
	Eligibility Criteria	Open field (possibility to include URL).
	Closing Procedures	Open field