Bradesco Bank Account Validator

Bradesco account numbers: COMPE 237 and the 7-digit account format

Bradesco accounts follow the layout agencia (4) + conta (7) + DV (1), where the check digit can be a decimal digit (0 to 9) or the letter P. The COMPE code that identifies Banco Bradesco in the Brazilian Payments System is 237. Branch numbers carry their own internal check, but the public-facing representation on cards, statements, Open Finance APIs and Pix receipts shows only the 4-digit agency followed by the account and DV.

Bradesco is the second-largest private bank in Brazil by total assets, with roughly R$ 1.6 trillion on the balance sheet. Beyond the traditional retail operation, the group runs Next, the standalone digital bank launched in 2017 to compete with Nubank and digital-native challengers, and was a co-owner of Cielo, the historical merchant-acquiring joint venture with Banco do Brasil. Bradesco was the first Brazilian bank to enable WhatsApp Pay in 2020 — the rollout was suspended by Bacen in the same week, returned in 2021 and reopened end-to-end in 2022 for P2P transfers via Meta.

The Bradesco check-digit algorithm: modulo 11 with the letter P

Bradesco uses a modulo 11 scheme. For a 7-digit account, the procedure is:

• Take the 7-digit account, right to left, and multiply each digit by weights 2, 3, 4, 5, 6, 7, repeating from 2 if needed.
• Sum the products and compute resto = sum mod 11.
• If resto = 0 or resto = 1, the DV is the special letter P.
• Otherwise the DV is 11 - resto, a decimal digit between 2 and 9.

Example for account 0123456: weighted sum is 6*2 + 5*3 + 4*4 + 3*5 + 2*6 + 1*7 + 0*2 = 12+15+16+15+12+7+0 = 77; 77 mod 11 = 0; DV = P. The letter P is a Bradesco-specific historical workaround: when the modular residue cannot produce a single digit between 0 and 9 unambiguously, the bank picks a non-numeric character so the printed account is always 8 characters long and parsers cannot confuse it with a real digit.

Conta corrente vs conta poupanca vs conta salario

Bradesco distinguishes three retail account products: conta corrente (current account, 7 digits + DV), conta poupanca (savings, served as a separate registry — no poupanca suffix on the conta corrente number) and conta salario, which historically used 8 digits. Conta salario is a regulated free account that exists exclusively to receive payroll credit and cannot accumulate balance beyond a set window — Bacen Resolution CMN 3,402 defines it. For Open Finance and Pix purposes the three accounts are interchangeable from the customer perspective, but for integration code they are not: account length and product code must be tracked.

Where Bradesco account validation matters

• Payroll integration with HR platforms that credit salaries via folha de pagamento.
• E-commerce checkout for boleto bancario and debit-from-account in PagBank, Cielo and PagSeguro gateways.
• Receivable management on the Bradesco Conexao API for registered boletos.
• Open Finance Phase 4 consent flows, which read the agency and account from the participant API.
• Anti-fraud onboarding, where idwall, Unico and Caf cross-check the DV before opening contracts.

Implementing Bradesco validation in JavaScript

function bradescoDV(conta) {
  const digits = conta.padStart(7, '0').split('').map(Number)
  const weights = [2, 3, 4, 5, 6, 7]
  let sum = 0
  for (let i = 0; i < 7; i++) {
    sum += digits[6 - i] * weights[i % 6]
  }
  const r = sum % 11
  if (r === 0 || r === 1) return 'P'
  return String(11 - r)
}
// bradescoDV('0123456') === 'P'

Compared with Itau (modulo 10, Luhn-style), the Bradesco process is heavier and the special character P requires the storage column to accept letters — a common bug is declaring the DV column as SMALLINT and silently rejecting all P accounts. Always type the DV as CHAR(1) or VARCHAR(1) when persisting Bradesco accounts.

FAQ

Is a DV equal to P actually valid? Yes. The letter P appears on roughly 18% of Bradesco accounts and prints on cards, statements and the bank app exactly that way. Reject any system that treats it as an error.

Does Bradesco still integrate with WhatsApp Pay? Yes. After two regulatory rounds in 2020 and 2021, WhatsApp Pay returned end-to-end for P2P transfers between Bradesco accounts and other major participants. P2M (consumer to merchant) is enabled through the Meta and Cielo partnership.

Does conta poupanca carry a suffix on the conta corrente number? No. Bradesco issues poupanca as a separate account number under product code 06. There is no -S or similar suffix appended to the current-account number — older legacy systems sometimes show one for display purposes, but the canonical bank record uses two distinct numbers.

Is the DV algorithm the same for Next? Yes for digital arm accounts that share the COMPE 237 ledger. Next agencies are reserved blocks inside Bradesco, so the agency and account combination flows through the same modulo 11 + letter P rule.

Does this validator query Bradesco servers? No. The math runs entirely in your browser. Confirming the account holder requires Open Finance consent, idwall, Unico, Caf or a contracted bank-verification API.