Bank Receipt Mockup Generator

How a Brazilian bank receipt is structured

A comprovante bancário is the digital or printed proof of a transaction — transfer, deposit, bill payment or withdrawal — generated by the bank's internet/mobile banking. After the modernization of the Brazilian payment rails, the landscape changed sharply: DOC was discontinued by FEBRABAN in February 2024, most banks stopped offering TED for legal-entity transfers, and PIX (live since November 2020) became the dominant instrument. A mock receipt is useful for UX design, integration testing against open-banking APIs, finance-app prototyping and YouTube tutorials — but it is a notorious vector for marketplace and OLX fraud, so the rules of legitimate use are strict.

A receipt typically displays the payer's name and CPF/CNPJ, the originating bank (identified by ISPB), agency and account, the recipient's name and CPF/CNPJ, the destination bank/agency/account, the amount, the date/time and a transaction identifier. The identifier format varies: End-to-End ID for PIX (E[ISPB][YYYYMMDDhhmm][rand], 32 chars, globally unique), NUMTRANSF for TED, and the bank's internal sequence for boleto payments, all accompanied by an authentication code that proves the operation at the originating institution.

PIX, traceability and the MED

Every PIX leaves a forensic trail. The End-to-End ID lets the Banco Central — through participating institutions — trace the destination account years later, even if the money was already moved on. The MED (Mecanismo Especial de Devolução), set up by Resolução BCB 103/2021, allows a victim of fraud to request the reversal of a PIX within 80 days; if approved, the funds are blocked at the recipient and returned. This is why criminals who use forged receipts to "prove" a payment that never happened end up identifiable.

How to verify a receipt for real

• Open your bank app and check the account balance — never trust a screenshot or a PDF as proof.
• Compare the End-to-End ID with the entry in your statement.
• Use the bank's receipt-validation page (most banks publish one) and paste the authentication code.
• For PIX received from a stranger on a marketplace, wait for the bank notification — instant means seconds, not minutes.

Legitimate uses for a mock generator

• UX design for banking apps, PFM tools and accounting software.
• Mock data for integration tests against open-banking endpoints (Banco Central Phase 3).
• Training bank tellers and fraud-prevention analysts to spot forged receipts.
• YouTube and Udemy tutorials about personal finance and accounting.

FAQ

Can I send this to a seller to pretend I paid? No — this is the textbook crime of estelionato (Código Penal art. 171), with a penalty of 1 to 5 years; the qualified form in electronic environment under Lei 14.155/2021 reaches 4 to 8 years plus a fine, and the victim can additionally request the MED reversal of any related PIX.

Can I use it to test a personal-finance app? Yes — synthetic receipts are excellent for testing parsing, OCR and category-classification logic without exposing real account data.

Is a digital receipt as legally valid as a paper one? Yes. Since MP 2.200-2/2001 established ICP-Brasil, an electronic document signed with a valid certificate has the same legal value as the paper version; even unsigned receipts are accepted as evidence when combined with the bank statement.

Does the generator transmit anything? No — generation is entirely local, in the browser. No data leaves the page.