Atlas · Anti-money laundering
Customer records and registries must be kept for at least 5 years
AnswerCustomer records and transaction registries must be kept for a minimum period of 5 years, starting from the account closure or transaction completion. This period may be extended by the competent authority.
Reviewed on 2026-10-02 · next review 2027-04-02
Data
| Who | Criterion | Consequence | Source | Data of the data |
|---|---|---|---|---|
| Persons referred to in art. 9 | Customer registration | Retention for at least 5 years after account closure | Lei 9.613/1998, art. 10, § 2º | 03/03/1998 |
| Persons referred to in art. 9 | Transaction records | Retention for at least 5 years after transaction completion | Lei 9.613/1998, art. 10, § 2º | 03/03/1998 |
Data consulted on 02/10/2026.
Basis
- Lei n.º 9.613/1998 (Planalto, in Portuguese): art. 10 establishes the obligation to identify customers, maintain updated records, and register transactions, setting in its § 2º the minimum retention period of five years.
How it applies
The obligations to maintain updated records and transaction registries apply to natural and legal persons listed in article 9 of Lei 9.613/1998. The five-year retention period is a minimum count, starting from the account closure or the completion of the financial operation. The regulation empowers competent authorities to extend this period. Transaction records must be made whenever they exceed the limit set by the competent authority or when, within the same calendar month, the sum of operations with the same person or group exceeds the established limit.
Limits
- The definition of the persons subject to these obligations and the value limits for recording transactions depend on specific instructions issued by regulatory or supervisory authorities.
- This retention period applies specifically to the purposes provided for in Lei 9.613/1998 (anti-money laundering); other laws (tax, civil, or sector-specific regulations) may require different periods.
- Changes subsequent to the date of this record must be checked directly at the official source (Planalto).