Brazilian Bank Account Generator

What is a bank account generator used for?

Anyone building payment systems, ERPs or fintechs constantly needs fictitious bank data to test registration forms, transfers and field validations. That is where this tool comes in, putting together an agency, account number and check digit in the formats of major Brazilian banks.

The generated data is completely fictitious. For testing and development use only.

Brazilian bank account anatomy

Unlike Europe's IBAN or the U.S. routing-number standard, Brazil has no single nationwide account format. Each bank defines its own length, check-digit rule and even the meaning of the branch (agência) suffix. The pieces are loosely consistent — a branch number, a sometimes-present branch DV, an account number, and one or two check digits — but the algorithms vary across institutions.

Typical structure

• Agência: 4 digits, sometimes followed by a check digit (e.g. Banco do Brasil 1234-5);
• Conta: 4 to 10 digits plus one check digit, computed with mod-11 or mod-10;
• Tipo: conta corrente (default), poupança, conta-salário or conta-pagamento — each with its own number range or suffix.

FEBRABAN COMPE codes

Every institution that participates in the Brazilian Clearing System (Sistema de Compensação) is assigned a 3-digit COMPE code by FEBRABAN. The code is what identifies the bank in TED, DOC, boleto and (legacy) clearing flows.

Account types

• Conta corrente: the standard checking account, supports overdraft, debit card, checks.
• Conta poupança: savings account; at Banco do Brasil it carries a 51 suffix that distinguishes it from the matching corrente.
• Conta-salário: payroll-only account, opened by the employer; the holder cannot deposit but can withdraw or transfer the balance to another account.
• Conta-pagamento: held at fintechs (Nubank, PicPay, Mercado Pago, PagBank). Regulated by Bacen as Instituições de Pagamento, not as bancos, but for the end-user it behaves like an ordinary account.

Check-digit rules

There is no single algorithm. Banco do Brasil uses modulo 9 over the agency-account string with specific weights. Caixa applies a mod-11 routine with weights 2-9 cycling from the right. Bradesco and Itaú each use their own mod-11 variants — Itaú famously appends an P letter for some legacy account types. Anyone integrating Brazilian bank flows ends up needing a per-bank check-digit library.

Pix and Open Finance

Since November 2020, the Pix instant-payment system has decoupled the human-facing identifier (the chave Pix: CPF, e-mail, phone or random UUID) from the underlying account. The bank still receives the same agência and conta in the back end, but the user never has to type them. Open Finance goes further: with the customer's consent, an institution can read account data and initiate payments at another bank using OAuth-style flows, again hiding the raw account numbers.

FAQ

What is the point of generating a fake bank account? The same as any mock data — populating forms in QA, testing input masks and check-digit validators, building integration-test fixtures and demonstrating CRMs without exposing real customer numbers.

Will a generated account work in the banking network? No. The agency-account pair must be registered with the issuing bank to receive a TED, DOC, Pix or boleto. Algorithmic validity is a necessary but not sufficient condition.

What is the difference between a bank account and a Pix key? The account is the physical destination of the money inside a specific institution; the Pix key is a human-readable alias the Banco Central registers in a directory (DICT) and maps to that account at settlement time. One account can have multiple Pix keys; one Pix key points to exactly one account.

Can the bank refuse a generated number? Yes — and it should. Any attempt to receive money on an unregistered account ends with a failed compensation, and any attempt to use one in a contract is fraud.