Why You're Seeing "VIVO*" on Your Bank Statement

The VIVO* charge on your bank statement comes from Vivo, the largest mobile carrier in Brazil and a brand of Telefônica Brasil. This descriptor appears when Vivo processes your monthly mobile phone bill, data plan, or other telecommunications services. If you have a Vivo cell phone plan, you will see VIVO* followed by additional characters representing your invoice or account details. This is a legitimate recurring charge tied to your Vivo wireless subscription.

The VIVO* descriptor appears on your bank statement because Vivo uses a truncated billing identifier when processing payments through their payment system, which is standard practice among large telecom providers in Brazil. The asterisk following VIVO is commonly used by payment processors to separate the merchant name from additional transaction or account reference information. If you recognize having a Vivo mobile plan or service in Brazil, this charge almost certainly corresponds to your monthly fatura (invoice) for that account.

The VIVO* charge on your bank or credit card statement is most commonly a legitimate billing from Vivo (Telefônica), one of Brazil's largest telecommunications providers. It typically appears when you have an active mobile, broadband, TV, or bundled telecom plan with Vivo. However, if you don't recognize the charge, it's worth investigating before dismissing it.

• You or a family member has an active Vivo mobile phone plan billed monthly
• You subscribe to Vivo Fibra (fiber broadband) or Vivo TV and the charge reflects your monthly plan fee
• You purchased a Vivo prepaid top-up or add-on data package that triggered the billing
• A Vivo digital service such as Vivo Guru, cloud storage, or streaming bundle was activated on your account

ℹ️ Note

In most cases, a VIVO* charge is a routine monthly billing from Vivo (Telefônica) for your mobile, fiber, or TV plan — simply log into the Meu Vivo app to confirm the amount matches your current plan and put your mind at ease.