PagBank SMS Verification

The first step to a Brazilian digital account is the PagBank SMS verification: receive the code on a virtual number and start signing up for the PagSeguro group's app.

PagBank is the PagSeguro group's digital account app in Brazil, offering free accounts for individuals and businesses, Pix transfers, bill payments, a credit card, CDB investments and card machines for sellers. Account opening starts with your phone: you enter the number, confirm the code sent by SMS, then add your CPF, email, address, a password and a PIN.

For CPF holders living abroad who temporarily cannot reach their Brazilian line, a virtual number can cover the first SMS step of account opening. PagBank is a payment institution regulated by Brazil's central bank, however, so identity verification (KYC) is done with your own CPF and personal data; accounts cannot be opened in someone else's name, and a virtual number does not replace these checks.

Tying a bank account to a short-lived number is risky: password resets, new-device logins and transaction approvals may depend on your phone. Once the account is open, register a number of your own that you will control long term. Never reply to messages from people posing as PagBank staff who ask for your code or PIN.