Get the account terms in force

GET

/order/v1/banking/accounts/terms

Sandbox

Returns the account terms (contrato de conta de pagamento, Res. BCB 96/2021 art. 6) that must be shown to the holder before the account is requested. INDIVIDUAL and ORGANIZATION have separate texts, so holderType is required.

The response carries a short-lived download link and the fileName identifying the text in force. Show the document to the holder, then: return the very same file on POST /public/v1/banking/accounts/documents as documentType accountTerms, and send the fileName back on the account request inside the acceptance. A fileName that is not the one in force is refused, which is how a holder cannot be recorded as accepting a text they were never shown.

Authorizations

Bearer

Parameters

Query Parameters

holderType

required

string

Allowed values: INDIVIDUAL ORGANIZATION

Holder type the account will be opened for. INDIVIDUAL and ORGANIZATION have separate texts.

Example

INDIVIDUAL

Responses

200

The resource was returned successfully

object

holderType

required

Holder type these terms apply to.

string

Allowed values: INDIVIDUAL ORGANIZATION

Example

INDIVIDUAL

fileName

required

Identifier of the text in force. Send it back on the account request, inside the acceptance, so we can tell which text the holder agreed to. Anything else is refused.

string

Example

payment-account-agreement.pdf

url

required

Download link for the document, valid for a short window. Follow it to show the terms to the holder, and return the very same file on POST /public/v1/banking/accounts/documents as documentType accountTerms.

string

Example

https://storage.company.com.br/account-terms/contrato-pf.pdf?sig=...

expiresAt

required

When the download link stops working (UTC ISO-8601).

string

Example

2026-09-28T13:10:05.020Z

publishedAt

required

When this text came into force (UTC ISO-8601).

string

Example

2026-09-01T12:00:00.000Z

400

object

error

string

Example

INVALID_REQUEST

message

string

details

Array<object>

object

field

string

issue

string

description

string

Example

[
  {
    "field": "field_name",
    "issue": "INVALID",
    "description": "Field is invalid"
  }
]

401

Unauthorized Request

object

error

string

Example

UNAUTHORIZED

message

string

Example

Unauthorized Request

details

Array<object>

object

field

string

issue

string

description

string

Example

[]

403

object

error

string

Example

FORBIDDEN_ERROR

message

string

details

Array<object>

object

field

string

issue

string

description

string

Example

[]

500

object

error

string

Example

INTERNAL_ERROR

message

string

details

Array<object>

object

field

string

issue

string

description

string

Example

[]