I do not know what bank you are trying to open an account with. However I am in Natal, got my residents visa more than a year ago- opened the bank account with a paper certidão from the Policia Federal. A year later with no card, I had to go there again as the certidão was only valid for 180 days and had run out. They kindly gave me a previsoria paper identity card, which I will have to plastify if I will have to wait another year for the official card!
But I do agree - I am told it is the banks policy not the law that prevents people opening private accounts. There must be security checks they can do to ensure the money arriving is legal. Even now, with any transfer I have to prove it is tax paid etc!
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