Carta de Autorização Conta Conjunta Template for Brasil

A Carta de Autorização Conta Conjunta é um documento jurídico fundamental que você precisa para estabelecer uma conta bancária compartilhada no Brasil. Este instrumento legal define os direitos, responsabilidades e poderes de movimentação de cada titular, garantindo que todas as operações bancárias conjuntas sejam realizadas de acordo com a legislação brasileira e as normas do Banco Central.

When do you need this document?

You need this authorization letter whenever you want to open a joint bank account with another person, whether it's a spouse, business partner, or family member. The document is essential when establishing shared financial arrangements for couples managing household expenses, business partners pooling resources for company operations, or family members creating joint savings accounts. Banks in Brazil require this formal authorization to comply with Resolução CMN 4.753/2019, which regulates joint account operations and ensures all parties understand their legal obligations before account activation.

Key legal considerations

Your joint account authorization must clearly establish whether the account operates under "e" (both signatures required) or "e/ou" (either signature sufficient) conditions, as this determines how funds can be accessed and managed. The document creates solidary responsibility between account holders, meaning each titular becomes fully liable for all account obligations, debts, and overdrafts regardless of who initiated the transaction. You must specify the exact powers granted to each titular, including withdrawal limits, transfer authorities, and investment permissions. The authorization should address what happens in case of death, incapacitation, or dissolution of the relationship between account holders, as these situations can significantly impact account access and legal responsibilities under Brazilian law.

Legal requirements in Brasil

Under the Código Civil Brasileiro Lei 10.406/2002 and Resolução BACEN 2.025/1993, your authorization letter must include complete identification of all parties with full names, nationality, marital status, profession, RG, CPF, and complete addresses. The document must be properly signed and, depending on the bank's requirements, may need notarization or witness signatures. Lei Complementar 105/2001 governs banking secrecy rules, requiring that all account holders be explicitly authorized to access account information and statements. Your authorization must comply with Central Bank regulations regarding customer identification and anti-money laundering procedures, ensuring that all titulares meet the financial institution's compliance requirements for joint account operation.