Account Unblocking

method: UnlockAccount

Protege+ Validation (Additional Flow)

As part of Fitbank’s regulatory compliance controls, the UnlockAccount method includes an automatic validation with Protege+ (Banco Central do Brasil) when the Justification code 6 (Protect Plus) is used.

When Protege+ Applies

The Protege+ validation is triggered only when:

The account was previously blocked due to a Protege+ restriction

Protege+ Flow in UnlockAccount

When an UnlockAccount request is submitted, the following flow is executed:

The client submits the UnlockAccount request normally.
Fitbank performs a new Protege+ consultation for the account holder and related identifiers.
Based on the consultation result:
- No active Protege+ restriction found
  The unblocking process continues normally, restoring the account to its previous operational status.
- Active Protege+ restriction found
  The request is denied, and the account remains blocked.

Operational Limits and Rules (Protege+)

The following rules apply when using UnlockAccount with Protege+:

Minimum interval: 1 attempt every 3 hours per account
Maximum attempts: 3 attempts per account
Temporary lock: after 3 attempts, new calls are blocked for 24 hours

Important: Attempts are counted even if the account remains blocked.

Description

This endpoint allows for the unblocking of accounts that were previously blocked using the BlockAccount method. Unblocking is only permitted if the account is currently blocked and matches the previously registered blocking type.

{
    "Method": "UnlockAccount", 
    "PartnerId": 896, 
    "BusinessUnitId": 1261, 
    "Justification": 0, 
    "Account": {
        "OwnerTaxNumber": "50231669020", 
        "AccountKey": "", 
        "Banks": {  
            "Bank": 450, 
            "BankBranch": "0001",
            "BankAccount": "380380",
            "BankAccountDigit": "3"
        }
    }
}

Required Parameters

Field	Type	Required	Description
Method	String	Yes	Must contain "UnlockAccount"
PartnerID	Int	Yes	Partner identifier
BusinessUnitID	Int	Yes	Business unit identifier
Justification	Int	Yes	Reason for unblocking
OwnerTaxNumber	String	Yes	Account holder's CPF or CNPJ
AccountKey	String	Conditional	Required if Banks is not provided
Banks	Object	Conditional	Required if AccountKey is not provided

Unlocking Justifications

Code	Reason
0	Operational Error
1	Analysis Completed
2	Customer Request
3	Judicial Order Compliance
4	Risk Management Adjustment
5	Other
6	Protect Plus

📌
Validation Rules UnlockAccount

Unblocking is only permitted if the account was previously blocked using the BlockAccount method.

If the account is already unblocked, the operation will be rejected.

Response Example

👍
Sucess

{
    "status": "sucess",
    "mensagem": "Conta desbloqueada com sucesso."
}

❗️
Error: Account Already Unblocked
{
    "status": "error",
    "message": "A conta já está desbloqueada."
}

Unlocked accounts will have their status restored to the condition they were in before the block.

Account Unblocking