INSTRUCTION BCB 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), in the exercise of the attribution conferred upon 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, mandatory observance by 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 internet website of the Central Bank of Brazil 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 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 INSTRUCTION BCB 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 regarding the optimized payment transaction initiation service with data sharing (optimized journey) (Section 7).

Terms of Use

This manual details the technical requirements for the implementation of 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 of doubts regarding the content of this document can be sent to the Central Bank of Brazil through the institutional channels of this agency.

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 Law for the Protection of Personal Data - 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 internet website of the Central Bank of Brazil (www.bcb.gov.br), through the "Norm Search" option.

1. Introduction

The data and services subject to sharing represent a crucial part of Open Finance, as they will be determinative for the degree of utility and interest in Open Finance by society. Thus, guaranteeing 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, regulates the scope of this 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 implementation, according to Circular No. 4.015, of 2020, and are translated into the technical specification according to analysis and deliberation of the Open Finance Governance Structure, and may be consolidated or expanded for 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 functioning of the payment arrangement regarding 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 regarding the high-level view, the data dictionary, in 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 intended 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	Identifier code of the branch
	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	Branch type, according to the classification established by 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	Opening date of the branch
Location	Full Address	Complement
	Neighborhood	Municipality
	Municipality IBGE Code	7 digits (the last is a check digit).
	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	Names of services provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of services provided	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.
	Title Institution Name	Name of the institution responsible for the correspondent in the country.
	Title 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 digit).
	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	Names of services provided	List of services effectively provided, detailed in Subitem 2.5.3 of this manual.
	Codes of services provided	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	Names of services provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of services provided	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, and ombudsman.	Access Method
	DDI	DDD
	Phone Number	Access Type	1. telephone center, 2. SAC, 3. ombudsman, 4. others.
Services Provided	Names of services provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of services provided	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 regarding 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.
	Title Institution Name	Name of the institution responsible for the branch.
	Title 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 digit).
	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	Names of services provided	List of services effectively provided, detailed in Subitem 2.5.2 of this manual.
	Codes of services provided	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 as follows:

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 their disclosure in the form of open data, detailing, at a minimum, the following:

I - opening of deposit or prepaid payment accounts; II - cash withdrawal; 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 from 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 as follows:

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 from 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 exchange letters accepted by the contracting institution; and VII - carrying out exchange operations under the responsibility of the contracting institution.