The Process of Obtaining Documents in Paraguay: Cedula, RUC, Bank Account

If you’re moving to Paraguay or planning to start a business here, you’ll quickly realize that proper documentation is key. From renting a place to opening a bank account or operating a company, nothing happens without the right papers.

Unfortunately, the process can be confusing, time-consuming, and—at times—frustrating. That’s why many newcomers choose to work with experienced service providers who know the system inside and out. In this guide, we break down the main documents you need—and how we can help you get them smoothly.

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How to Get a Cedula (ID) in Paraguay

The cedula de identidad is the national ID card in Paraguay. It’s a must-have for legal and financial matters: you need it to open a bank account, sign contracts, buy property, or even register utilities.

Who Can Get a Cedula?

Only those with legal residency can apply. If you’re on a tourist visa, the cedula is out of reach. That’s why the first step is securing permanent residency.

Step-by-Step: From Residency to Cedula

1. Apply for Permanent Residency
   • Submit your application through the Dirección General de Migraciones (DGM).
   • Required documents include:
     • Valid passport
     • Apostilled and translated birth certificate
     • Clean criminal record (home country + Paraguay)
     • Proof of income or local sponsor
     • Health certificate
     • Application fees
   Navigating this process solo can be overwhelming, especially with language barriers and shifting requirements. We can assist you in compiling your documents, submitting your file, and tracking your application.
2. Wait for Approval
   • It typically takes 3–6 months, though it can vary.
   • Once approved, you receive a residency card (carnet de radicación).
3. Apply for Your Cedula
   • Go to the Department of Identifications with your residency card, passport, and photos.
   • Your fingerprints and photo will be taken on-site.
   • You pay a small fee (around $15–$20 USD).
4. Pick Up Your Cedula
   • It’s usually ready in 5–10 business days.

Don’t want to deal with confusing paperwork or bureaucratic surprises? Let our team guide you through the process and handle the legwork for you.

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RUC Number – What It Is and Why You Need It

The RUC (Registro Único del Contribuyente) is Paraguay’s taxpayer identification number. You need it to:

• Work legally as a freelancer or contractor
• Register and run a business
• Invoice clients
• Buy property as an investment
• Pay taxes
• Open certain types of bank accounts

It’s essentially your fiscal identity in Paraguay.

Who Needs a RUC?

• Foreign residents starting a business
• Digital nomads or remote workers invoicing from Paraguay
• Property investors renting out real estate
• Anyone earning income in the country

Even if you’re not planning to start a company, having a RUC can make many financial and legal tasks easier.

How to Get a RUC Number

1. Visit the Tax Office (SET – Subsecretaría de Estado de Tributación)
   You’ll need to go in person or appoint a representative with power of attorney.
2. Prepare Your Documents
   • Cedula (you must have it first)
   • Proof of address
   • Business info (if registering a company)
   • Signature registration form
3. Complete the Application
   After approval, you’ll be assigned your RUC number and receive login credentials to Paraguay’s online tax platform (called Marangatu).

Need a hand with registering or managing your RUC account? We offer full support—from setup to monthly compliance—so you can stay focused on growing your business, not filling out forms.

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How to Open a Bank Account as a Foreigner

Opening a bank account in Paraguay is possible as a foreigner, but it comes with red tape. Local banks often require in-person visits, ID verification, and documentation that may not be obvious to non-residents.

Types of Bank Accounts

• Savings accounts: Basic, limited transactions, lower requirements.
• Current/checking accounts: Needed for business or regular payments, but stricter conditions.
• Corporate accounts: Required for companies or freelancers billing with RUC.

What You’ll Typically Need

• Cedula
• RUC (optional but recommended)
• Proof of address
• Proof of income or explanation of fund source
• Minimum deposit (varies by bank)

Which Banks to Consider?

Some banks are friendlier to foreigners than others. For example:

• Banco Itaú and Sudameris are known for international clients.
• Bancos regionales like Visión or Familiar may have fewer requirements but offer limited services.

We can help you choose the right bank based on your situation, prepare your documents, and even accompany you to the appointment.

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Other Documents and Registrations You Might Need

Depending on your plans in Paraguay, there are a few other documents you may want to obtain:

1. Driver’s License

• Once you have a cedula, you can convert your foreign license or apply for a Paraguayan one.
• A local license is often required for insurance and car rentals.

2. Health Insurance or IPS Registration

• If you’re working or running a company, contributing to the Instituto de Previsión Social (IPS) may be required.
• Private insurance options are also available for expats.

3. Municipal Business License (Patente Comercial)

• If you open a local shop, café, or office, you’ll need a city-issued license.
• We assist with the full business setup process, including municipal compliance.

4. Migraciones Certificate of Entry and Exit

• Useful for visa runs, tax residency proof, and legal procedures.

With years of experience helping expats navigate Paraguayan bureaucracy, we know how to avoid delays and move things forward—fast and legally.

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Final Thoughts

Getting your paperwork in order in Paraguay—whether it’s for residency, a cedula (national ID), a RUC number (tax ID), or opening a local bank account—is absolutely doable. But let’s be honest: it’s rarely straightforward. Regulations can change without notice, most systems aren’t digitized, and nearly every step requires in-person visits and fluent Spanish. Trying to navigate it all alone can cost you precious time, unnecessary expenses, and a lot of frustration.

That’s why more and more expats, investors, and entrepreneurs choose to partner with experienced local experts who understand the ins and outs of the system. Instead of second-guessing which office to visit, struggling with untranslated legal documents, or missing key deadlines due to lack of information, you get peace of mind knowing that every step is handled correctly and efficiently.

With our service, you’ll receive end-to-end support—from helping you gather the necessary documents in your home country, to guiding you through the legal and administrative steps once you arrive in Paraguay, to making sure your paperwork is processed without delays. You’ll always have someone on your side who knows the system, speaks the language, and can intervene if complications arise.

If you’re ready to start the process the smart way, reach out to us today. We’ll take care of the bureaucracy—so you can focus on building your new life, business, or investment in Paraguay.