diff --git a/app/Http/Controllers/SupplierBankController.php b/app/Http/Controllers/SupplierBankController.php
new file mode 100644
index 0000000..f88702b
--- /dev/null
+++ b/app/Http/Controllers/SupplierBankController.php
@@ -0,0 +1,55 @@
+<?php
+
+namespace App\Http\Controllers;
+
+use App\Enums\PurchasingRole;
+use App\Models\Supplier;
+use App\Models\SupplierBankDetail;
+use App\Models\SupplierBankReview;
+use App\Services\RequisitionWorkflow;
+use App\Services\SupplierBankWorkflow;
+use Illuminate\Http\RedirectResponse;
+use Illuminate\Http\Request;
+use Illuminate\Support\Str;
+use Inertia\Inertia;
+use Symfony\Component\HttpFoundation\Response;
+
+class SupplierBankController extends Controller
+{
+    public function show(Request $request, Supplier $supplier, SupplierBankWorkflow $workflow): Response
+    {
+        abort_unless(in_array($request->user()->purchasing_role, [PurchasingRole::Admin, PurchasingRole::Procurement, PurchasingRole::Finance]), 403);
+        $details = SupplierBankDetail::query()->where('supplier_id', $supplier->id)->latest('revision')->get();
+        $current = $details->first();
+        $canRead = in_array($request->user()->purchasing_role, [PurchasingRole::Procurement, PurchasingRole::Finance]);
+        $data = null;
+        if ($current && $canRead) {
+            app(RequisitionWorkflow::class)->audit($request->user(), 'supplier.bank_viewed', null, null, ['supplier_id' => $supplier->id, 'bank_detail_id' => $current->id]);
+            $data = [...$current->toArray(), ...$current->only(['account_identifier', 'beneficiary', 'evidence_reference', 'reason'])];
+        }
+
+        Inertia::encryptHistory();
+        $response = Inertia::render('suppliers/bank', ['supplier' => $supplier->only(['id', 'name']), 'current' => $data, 'currentId' => $current->id ?? 0, 'state' => $workflow->state($supplier), 'history' => $details->map(fn ($detail) => $detail->only(['id', 'revision', 'created_by', 'created_at'])), 'reviews' => SupplierBankReview::query()->whereIn('supplier_bank_detail_id', $details->pluck('id'))->orderBy('id')->get(), 'canPropose' => $request->user()->purchasing_role === PurchasingRole::Procurement, 'canReview' => $current && $request->user()->purchasing_role === PurchasingRole::Finance && $current->created_by !== $request->user()->id && ! SupplierBankReview::query()->where('supplier_bank_detail_id', $current->id)->where('reviewed_by', $request->user()->id)->exists()])->toResponse($request);
+        $response->headers->set('Cache-Control', 'private, no-store, max-age=0');
+
+        return $response;
+    }
+
+    public function store(Request $request, Supplier $supplier, SupplierBankWorkflow $workflow): RedirectResponse
+    {
+        $request->merge(['country' => Str::upper(trim($request->string('country')->toString())), 'currency' => Str::upper(trim($request->string('currency')->toString())), 'account_identifier' => Str::upper(preg_replace('/\s+/', '', $request->string('account_identifier')->toString()) ?? '')]);
+        $data = $request->validate(['previous_id' => 'required|integer|min:0', 'bank_name' => 'required|string|max:200', 'country' => ['required', 'regex:/^[A-Z]{2}$/'], 'currency' => ['required', 'regex:/^[A-Z]{3}$/'], 'beneficiary' => 'required|string|max:200', 'account_identifier' => ['required', 'regex:/^[A-Z0-9.\/-]{4,100}$/'], 'evidence_reference' => 'required|string|max:1000', 'reason' => 'required|string|max:2000']);
+        $workflow->propose($request->user(), $supplier, $data);
+
+        return back();
+    }
+
+    public function review(Request $request, Supplier $supplier, SupplierBankDetail $detail, SupplierBankWorkflow $workflow): RedirectResponse
+    {
+        abort_unless($detail->supplier_id === $supplier->id, 404);
+        $data = $request->validate(['decision' => 'required|in:approved,rejected', 'reason' => 'required|string|max:2000', 'independently_verified' => 'accepted']);
+        $workflow->review($request->user(), $detail, $data['decision'], $data['reason']);
+
+        return back();
+    }
+}
diff --git a/app/Models/SupplierBankDetail.php b/app/Models/SupplierBankDetail.php
new file mode 100644
index 0000000..5ec9d51
--- /dev/null
+++ b/app/Models/SupplierBankDetail.php
@@ -0,0 +1,31 @@
+<?php
+
+namespace App\Models;
+
+use App\Models\Concerns\AppendOnlyInventoryRecord;
+use App\Models\Concerns\BelongsToTenant;
+use Illuminate\Database\Eloquent\Model;
+
+/** @property int $id
+ * @property int $tenant_id
+ * @property int $supplier_id
+ * @property int $created_by
+ * @property int $revision
+ * @property string $account_identifier
+ * @property string $beneficiary
+ */
+class SupplierBankDetail extends Model
+{
+    use AppendOnlyInventoryRecord, BelongsToTenant;
+
+    public $timestamps = false;
+
+    protected $guarded = ['id'];
+
+    protected $hidden = ['account_identifier', 'beneficiary', 'evidence_reference', 'reason'];
+
+    protected function casts(): array
+    {
+        return ['account_identifier' => 'encrypted', 'beneficiary' => 'encrypted', 'evidence_reference' => 'encrypted', 'reason' => 'encrypted'];
+    }
+}
diff --git a/app/Models/SupplierBankReview.php b/app/Models/SupplierBankReview.php
new file mode 100644
index 0000000..65c2f04
--- /dev/null
+++ b/app/Models/SupplierBankReview.php
@@ -0,0 +1,23 @@
+<?php
+
+namespace App\Models;
+
+use App\Models\Concerns\AppendOnlyInventoryRecord;
+use App\Models\Concerns\BelongsToTenant;
+use Illuminate\Database\Eloquent\Model;
+
+class SupplierBankReview extends Model
+{
+    use AppendOnlyInventoryRecord, BelongsToTenant;
+
+    public $timestamps = false;
+
+    protected $guarded = ['id'];
+
+    protected $hidden = ['reason'];
+
+    protected function casts(): array
+    {
+        return ['reason' => 'encrypted'];
+    }
+}
diff --git a/app/Services/SupplierBankWorkflow.php b/app/Services/SupplierBankWorkflow.php
new file mode 100644
index 0000000..835a203
--- /dev/null
+++ b/app/Services/SupplierBankWorkflow.php
@@ -0,0 +1,100 @@
+<?php
+
+namespace App\Services;
+
+use App\Enums\PurchasingRole;
+use App\Models\Supplier;
+use App\Models\SupplierBankDetail;
+use App\Models\SupplierBankReview;
+use App\Models\User;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Validation\ValidationException;
+
+class SupplierBankWorkflow
+{
+    private function actor(User $user, Supplier $supplier): void
+    {
+        abort_unless(auth()->id() === $user->id && $user->tenant_id !== null && $supplier->tenant_id === $user->tenant_id, 403);
+        if (app(ConflictGuard::class)->hasConflict($user->id, $supplier->id, null)) {
+            throw ValidationException::withMessages(['bank' => 'Conflito de interesses com este fornecedor.']);
+        }
+    }
+
+    /** @param array<string,mixed> $data */
+    public function propose(User $user, Supplier $supplier, array $data): SupplierBankDetail
+    {
+        $this->actor($user, $supplier);
+        abort_unless($user->purchasing_role === PurchasingRole::Procurement, 403);
+
+        return DB::transaction(function () use ($user, $supplier, $data) {
+            app(ConflictGuard::class)->lockCompany($user);
+            $supplier = Supplier::query()->lockForUpdate()->findOrFail($supplier->id);
+            $this->actor($user, $supplier);
+            $latest = SupplierBankDetail::query()->where('supplier_id', $supplier->id)->latest('revision')->first();
+            if ((int) $data['previous_id'] !== ($latest->id ?? 0)) {
+                throw ValidationException::withMessages(['previous_id' => 'Dados bancários alterados. Reabra a ficha antes de propor outra versão.']);
+            }
+            $detail = SupplierBankDetail::query()->create(['tenant_id' => $user->tenant_id, 'supplier_id' => $supplier->id, 'created_by' => $user->id, 'revision' => ($latest->revision ?? 0) + 1, ...array_intersect_key($data, array_flip(['bank_name', 'country', 'currency', 'beneficiary', 'account_identifier', 'evidence_reference', 'reason'])), 'created_at' => now()]);
+            app(RequisitionWorkflow::class)->audit($user, 'supplier.bank_proposed', null, null, ['supplier_id' => $supplier->id, 'bank_detail_id' => $detail->id, 'revision' => $detail->revision]);
+
+            return $detail;
+        });
+    }
+
+    public function review(User $user, SupplierBankDetail $detail, string $decision, string $reason): void
+    {
+        abort_unless($user->purchasing_role === PurchasingRole::Finance && $detail->tenant_id === $user->tenant_id && $detail->created_by !== $user->id, 403);
+        if (! in_array($decision, ['approved', 'rejected']) || trim($reason) === '') {
+            throw ValidationException::withMessages(['bank' => 'Decisão e fundamento obrigatórios.']);
+        }
+        DB::transaction(function () use ($user, $detail, $decision, $reason) {
+            app(ConflictGuard::class)->lockCompany($user);
+            $supplier = Supplier::query()->lockForUpdate()->findOrFail($detail->supplier_id);
+            $this->actor($user, $supplier);
+            $latest = SupplierBankDetail::query()->where('supplier_id', $supplier->id)->latest('revision')->firstOrFail();
+            if ($latest->id !== $detail->id) {
+                throw ValidationException::withMessages(['bank' => 'Versão substituída. Reveja os dados bancários actuais.']);
+            }
+            $existing = SupplierBankReview::query()->where('supplier_bank_detail_id', $detail->id)->where('reviewed_by', $user->id)->first();
+            if ($existing) {
+                if ($existing->decision !== $decision || $existing->reason !== $reason) {
+                    throw ValidationException::withMessages(['bank' => 'A decisão anterior é imutável. Proponha nova versão para corrigir dados.']);
+                }
+
+                return;
+            }
+            if (! $supplier->eligible() || SupplierBankReview::query()->where('supplier_bank_detail_id', $detail->id)->where('decision', 'rejected')->exists() || SupplierBankReview::query()->where('supplier_bank_detail_id', $detail->id)->count() >= 2) {
+                throw ValidationException::withMessages(['bank' => 'Fornecedor não elegível ou versão já decidida.']);
+            }
+            SupplierBankReview::query()->create(['tenant_id' => $user->tenant_id, 'supplier_bank_detail_id' => $detail->id, 'reviewed_by' => $user->id, 'decision' => $decision, 'reason' => $reason, 'created_at' => now()]);
+            app(RequisitionWorkflow::class)->audit($user, 'supplier.bank_'.$decision, null, null, ['supplier_id' => $supplier->id, 'bank_detail_id' => $detail->id]);
+        });
+    }
+
+    /** Re-evaluate inside the payment transaction in the future; UI readiness is not authorisation. */
+    public function state(Supplier $supplier): string
+    {
+        $detail = SupplierBankDetail::query()->where('supplier_id', $supplier->id)->latest('revision')->first();
+        if (! $detail) {
+            return 'missing';
+        }
+        $reviews = SupplierBankReview::query()->where('supplier_bank_detail_id', $detail->id)->get();
+        if ($reviews->contains('decision', 'rejected')) {
+            return 'rejected';
+        }
+        if ($reviews->count() < 2) {
+            return 'pending';
+        }
+        if (! $supplier->eligible() || app(ConflictGuard::class)->hasConflict($detail->created_by, $supplier->id, null)) {
+            return 'blocked';
+        }
+        foreach ($reviews as $review) {
+            $user = User::query()->where('tenant_id', $supplier->tenant_id)->find($review->reviewed_by);
+            if (! $user || $user->purchasing_role !== PurchasingRole::Finance || $user->id === $detail->created_by || app(ConflictGuard::class)->hasConflict($user->id, $supplier->id, null)) {
+                return 'blocked';
+            }
+        }
+
+        return 'approved';
+    }
+}
diff --git a/bootstrap/app.php b/bootstrap/app.php
index ba5cf4c..e6ddabf 100644
--- a/bootstrap/app.php
+++ b/bootstrap/app.php
@@ -24,6 +24,7 @@ return Application::configure(basePath: dirname(__DIR__))
         ]);
     })
     ->withExceptions(function (Exceptions $exceptions): void {
+        $exceptions->dontFlash(['account_identifier', 'beneficiary', 'evidence_reference', 'reason']);
         $exceptions->shouldRenderJsonWhen(
             fn (Request $request) => $request->is('api/*') || $request->expectsJson(),
         );
diff --git a/database/migrations/2026_10_28_000011_create_supplier_bank_details.php b/database/migrations/2026_10_28_000011_create_supplier_bank_details.php
new file mode 100644
index 0000000..4b9750b
--- /dev/null
+++ b/database/migrations/2026_10_28_000011_create_supplier_bank_details.php
@@ -0,0 +1,43 @@
+<?php
+
+use Illuminate\Database\Migrations\Migration;
+use Illuminate\Database\Schema\Blueprint;
+use Illuminate\Support\Facades\Schema;
+
+return new class extends Migration
+{
+    public function up(): void
+    {
+        Schema::create('supplier_bank_details', function (Blueprint $table) {
+            $table->id();
+            $table->foreignId('tenant_id')->constrained()->restrictOnDelete();
+            $table->foreignId('supplier_id')->constrained()->restrictOnDelete();
+            $table->foreignId('created_by')->constrained('users')->restrictOnDelete();
+            $table->unsignedInteger('revision');
+            $table->string('bank_name', 200);
+            $table->string('country', 2);
+            $table->string('currency', 3);
+            $table->text('beneficiary');
+            $table->text('account_identifier');
+            $table->text('evidence_reference');
+            $table->text('reason');
+            $table->timestamp('created_at');
+            $table->unique(['supplier_id', 'revision']);
+        });
+        Schema::create('supplier_bank_reviews', function (Blueprint $table) {
+            $table->id();
+            $table->foreignId('tenant_id')->constrained()->restrictOnDelete();
+            $table->foreignId('supplier_bank_detail_id')->constrained()->restrictOnDelete();
+            $table->foreignId('reviewed_by')->constrained('users')->restrictOnDelete();
+            $table->string('decision');
+            $table->text('reason');
+            $table->timestamp('created_at');
+            $table->unique(['supplier_bank_detail_id', 'reviewed_by']);
+        });
+    }
+
+    public function down(): void
+    {
+        throw new LogicException('Preservar versões bancárias e validações.');
+    }
+};
diff --git a/docs/bancos-concorrencia-postgresql.json b/docs/bancos-concorrencia-postgresql.json
new file mode 100644
index 0000000..0c6eeac
--- /dev/null
+++ b/docs/bancos-concorrencia-postgresql.json
@@ -0,0 +1,30 @@
+{
+    "tested_at_utc": "2026-10-28T12:32:47+00:00",
+    "separate_database": true,
+    "transport": "Independent PHP service transactions and PostgreSQL connections",
+    "scenarios": [
+        {
+            "name": "distinct_approvals",
+            "passed": true,
+            "overlapping_lock_waits": 2,
+            "state": "approved",
+            "review_count": 2
+        },
+        {
+            "name": "same_approval",
+            "passed": true,
+            "overlapping_lock_waits": 2,
+            "state": "pending",
+            "review_count": 1
+        },
+        {
+            "name": "competing_revisions",
+            "passed": true,
+            "overlapping_lock_waits": 2,
+            "state": "pending",
+            "review_count": 0
+        }
+    ],
+    "passed": true,
+    "test_database_dropped": true
+}
diff --git a/docs/bancos-migracao-000011.json b/docs/bancos-migracao-000011.json
new file mode 100644
index 0000000..453d63a
--- /dev/null
+++ b/docs/bancos-migracao-000011.json
@@ -0,0 +1,16 @@
+{
+    "verified_at_utc": "2026-10-28T12:33:53+00:00",
+    "migration": "2026_10_28_000011_create_supplier_bank_details",
+    "batch": 12,
+    "backup_created": true,
+    "backup_bytes": 230372,
+    "restore_verified": true,
+    "restored_tables": 42,
+    "restore_database_dropped": true,
+    "business_records_unchanged": true,
+    "existing_constraints_preserved": true,
+    "env_unchanged": true,
+    "bank_details_count": 0,
+    "bank_reviews_count": 0,
+    "operational_validation": false
+}
diff --git a/resources/js/lib/preview-navigation.ts b/resources/js/lib/preview-navigation.ts
index a25cc09..61d71b8 100644
--- a/resources/js/lib/preview-navigation.ts
+++ b/resources/js/lib/preview-navigation.ts
@@ -10,5 +10,6 @@ export const previewPaths: Record<string, string> = {
     operations: '/consulta/operacoes-stock',
     equipment: '/consulta/equipamentos',
     invoices: '/consulta/facturas',
+    bank: '/consulta/dados-bancarios',
     appearance: '/consulta/aparencia',
 };
diff --git a/resources/js/pages/preview/index.tsx b/resources/js/pages/preview/index.tsx
index b04df39..fbe6456 100644
--- a/resources/js/pages/preview/index.tsx
+++ b/resources/js/pages/preview/index.tsx
@@ -119,6 +119,7 @@ const navigation = [
     { id: 'operations', title: 'Saídas e inventários', icon: Warehouse },
     { id: 'equipment', title: 'Equipamentos e peças', icon: Warehouse },
     { id: 'invoices', title: 'Facturas e conferência', icon: FileText },
+    { id: 'bank', title: 'Dados bancários', icon: ShieldCheck },
     { id: 'appearance', title: 'Cores e componentes', icon: Palette },
 ];
 type Detail = { title: string; subtitle: string; rows: [string, string][] };
@@ -127,7 +128,7 @@ const navigationGroups = [
     { title: 'Compras', ids: ['requests', 'suppliers', 'quotes', 'orders'] },
     { title: 'Armazém', ids: ['receipts', 'stock', 'operations', 'equipment'] },
     { title: 'Controlo', ids: ['conflicts'] },
-    { title: 'Finanças', ids: ['invoices'] },
+    { title: 'Finanças', ids: ['invoices', 'bank'] },
     { title: 'Apresentação', ids: ['appearance'] },
 ];
 export default function Preview({
@@ -663,6 +664,39 @@ export default function Preview({
                         )}
                         {screen === 'operations' && <OperationsDemo />}
                         {screen === 'equipment' && <EquipmentDemo />}
+                        {screen === 'bank' && (
+                            <Panel
+                                title="Dupla validação bancária · exemplo fictício"
+                                description="Sem dados de contas, consultas ou gravações de negócio."
+                            >
+                                <div className="space-y-3 text-sm">
+                                    <p>
+                                        Procurement propõe uma versão com
+                                        evidência. Finanças A confere e aprova;
+                                        Finanças B confere de forma
+                                        independente.
+                                    </p>
+                                    <p>
+                                        Uma aprovação: pendente. Duas pessoas
+                                        distintas: duplamente validado. Repetir
+                                        a decisão da mesma pessoa não conta duas
+                                        vezes.
+                                    </p>
+                                    <p>
+                                        Nova versão: disponibilidade anterior
+                                        substituída e duas novas validações
+                                        obrigatórias. Rejeição, conflito ou
+                                        perda de elegibilidade bloqueiam o
+                                        estado.
+                                    </p>
+                                    <p>
+                                        Cada empresa mantém os seus fornecedores
+                                        e dados. Não autoriza transferências nem
+                                        confirma titularidade junto do banco.
+                                    </p>
+                                </div>
+                            </Panel>
+                        )}
                         {screen === 'invoices' && (
                             <Panel
                                 title="Factura parcial · exemplo fictício"
diff --git a/resources/js/pages/suppliers/bank.tsx b/resources/js/pages/suppliers/bank.tsx
new file mode 100644
index 0000000..bf272d3
--- /dev/null
+++ b/resources/js/pages/suppliers/bank.tsx
@@ -0,0 +1,263 @@
+import { Head, Link, useForm } from '@inertiajs/react';
+import {
+    FormErrors,
+    Panel,
+    PageTitle,
+    controlClass,
+} from '@/components/procurement';
+import { Button } from '@/components/ui/button';
+import { Input } from '@/components/ui/input';
+
+type Detail = {
+    id: number;
+    revision: number;
+    bank_name: string;
+    country: string;
+    currency: string;
+    beneficiary: string;
+    account_identifier: string;
+    evidence_reference: string;
+    reason: string;
+};
+type Props = {
+    supplier: { id: number; name: string };
+    current: Detail | null;
+    currentId: number;
+    state: string;
+    history: {
+        id: number;
+        revision: number;
+        created_by: number;
+        created_at: string;
+    }[];
+    reviews: {
+        id: number;
+        supplier_bank_detail_id: number;
+        reviewed_by: number;
+        decision: string;
+    }[];
+    canPropose: boolean;
+    canReview: boolean;
+};
+export default function Bank({
+    supplier,
+    current,
+    currentId,
+    state,
+    history,
+    reviews,
+    canPropose,
+    canReview,
+}: Props) {
+    const form = useForm({
+        previous_id: currentId,
+        bank_name: '',
+        country: '',
+        currency: '',
+        beneficiary: '',
+        account_identifier: '',
+        evidence_reference: '',
+        reason: '',
+    });
+    const review = useForm({
+        decision: 'approved',
+        reason: '',
+        independently_verified: false,
+    });
+    const labels = {
+        bank_name: 'Banco',
+        country: 'Código do país (2 letras)',
+        currency: 'Moeda da conta (3 letras)',
+        beneficiary: 'Titular / beneficiário',
+        account_identifier: 'Identificador da conta fornecido pelo banco',
+        evidence_reference:
+            'Referência da evidência e confirmação independente',
+        reason: 'Fundamento da alteração',
+    };
+    const states: Record<string, string> = {
+        missing: 'Sem dados',
+        pending: 'Pendente de duas validações',
+        approved: 'Duplamente validado',
+        rejected: 'Rejeitado',
+        blocked: 'Bloqueado por elegibilidade ou conflito',
+    };
+    return (
+        <>
+            <Head title="Dados bancários" />
+            <div className="mx-auto grid w-full max-w-5xl gap-6 p-6">
+                <PageTitle
+                    eyebrow="SGC · Fornecedores"
+                    title={`Dados bancários · ${supplier.name}`}
+                    description="Duas pessoas distintas de Finanças validam cada versão. Não autoriza transferências ou pagamentos."
+                />
+                <Link href={`/fornecedores/${supplier.id}`}>
+                    ← Ficha do fornecedor
+                </Link>
+                <Panel
+                    title={states[state] ?? state}
+                    description="A versão mais recente substitui a anterior para efeitos de disponibilidade. A aprovação não confirma a titularidade junto do banco nem valida formatos bancários nacionais."
+                >
+                    {current && (
+                        <dl className="grid gap-4 text-sm sm:grid-cols-2">
+                            {Object.entries(labels).map(([key, label]) => (
+                                <div key={key}>
+                                    <dt className="text-muted-foreground">
+                                        {label}
+                                    </dt>
+                                    <dd className="break-all whitespace-pre-wrap">
+                                        {current[key as keyof typeof labels]}
+                                    </dd>
+                                </div>
+                            ))}
+                        </dl>
+                    )}
+                    {!current && (
+                        <p className="text-sm">
+                            Os identificadores bancários são apresentados apenas
+                            a Procurement e Finanças. Administração consulta o
+                            estado e o histórico.
+                        </p>
+                    )}
+                </Panel>
+                {canReview && current && state === 'pending' && (
+                    <Panel title="Conferência independente">
+                        <form
+                            className="grid gap-4"
+                            onSubmit={(e) => {
+                                e.preventDefault();
+                                review.post(
+                                    `/fornecedores/${supplier.id}/dados-bancarios/${current.id}/validar`,
+                                );
+                            }}
+                        >
+                            <FormErrors errors={review.errors} />
+                            <label>
+                                Decisão
+                                <select
+                                    className={controlClass}
+                                    value={review.data.decision}
+                                    onChange={(e) =>
+                                        review.setData(
+                                            'decision',
+                                            e.target.value,
+                                        )
+                                    }
+                                >
+                                    <option value="approved">Aprovar</option>
+                                    <option value="rejected">Rejeitar</option>
+                                </select>
+                            </label>
+                            <label>
+                                Fundamento da conferência
+                                <textarea
+                                    required
+                                    className="w-full rounded border p-3"
+                                    value={review.data.reason}
+                                    onChange={(e) =>
+                                        review.setData('reason', e.target.value)
+                                    }
+                                />
+                            </label>
+                            <label className="flex gap-3">
+                                <input
+                                    required
+                                    type="checkbox"
+                                    checked={review.data.independently_verified}
+                                    onChange={(e) =>
+                                        review.setData(
+                                            'independently_verified',
+                                            e.target.checked,
+                                        )
+                                    }
+                                />
+                                Confirmo que conferi os dados e a evidência de
+                                forma independente.
+                            </label>
+                            <Button disabled={review.processing}>
+                                Guardar decisão imutável
+                            </Button>
+                        </form>
+                    </Panel>
+                )}
+                {canPropose && (
+                    <Panel
+                        title="Propor nova versão"
+                        description="Preencha integralmente os dados confirmados. A nova versão exige duas validações novas; a versão anterior permanece no histórico."
+                    >
+                        <form
+                            className="grid gap-4"
+                            onSubmit={(e) => {
+                                e.preventDefault();
+                                form.post(
+                                    `/fornecedores/${supplier.id}/dados-bancarios`,
+                                    {
+                                        onSuccess: (page) => {
+                                            form.reset();
+                                            form.setData(
+                                                'previous_id',
+                                                Number(page.props.currentId),
+                                            );
+                                        },
+                                    },
+                                );
+                            }}
+                        >
+                            <FormErrors errors={form.errors} />
+                            {Object.entries(labels).map(([key, label]) => (
+                                <label key={key}>
+                                    {label}
+                                    <Input
+                                        required
+                                        autoComplete="off"
+                                        value={
+                                            form.data[
+                                                key as keyof typeof labels
+                                            ]
+                                        }
+                                        onChange={(e) =>
+                                            form.setData(
+                                                key as keyof typeof labels,
+                                                e.target.value,
+                                            )
+                                        }
+                                    />
+                                </label>
+                            ))}
+                            <Button disabled={form.processing}>
+                                Enviar para dupla validação
+                            </Button>
+                        </form>
+                    </Panel>
+                )}
+                <Panel title="Histórico de versões e decisões">
+                    <div className="space-y-4 text-sm">
+                        {history.map((h) => (
+                            <article key={h.id} className="rounded border p-3">
+                                <p>
+                                    Versão {h.revision} · Autor #{h.created_by}{' '}
+                                    · {h.created_at}
+                                </p>
+                                {reviews
+                                    .filter(
+                                        (r) =>
+                                            r.supplier_bank_detail_id === h.id,
+                                    )
+                                    .map((r) => (
+                                        <p key={r.id}>
+                                            {r.decision === 'approved'
+                                                ? 'Aprovado'
+                                                : 'Rejeitado'}{' '}
+                                            · Finanças #{r.reviewed_by}
+                                        </p>
+                                    ))}
+                            </article>
+                        ))}
+                        {history.length === 0 && (
+                            <p>Sem versões bancárias registadas.</p>
+                        )}
+                    </div>
+                </Panel>
+            </div>
+        </>
+    );
+}
diff --git a/resources/js/pages/suppliers/show.tsx b/resources/js/pages/suppliers/show.tsx
index b207a22..b6df53f 100644
--- a/resources/js/pages/suppliers/show.tsx
+++ b/resources/js/pages/suppliers/show.tsx
@@ -69,6 +69,14 @@ export default function SupplierShow({
                     }
                 />
                 <Panel title="Dados do fornecedor">
+                    {canDocuments && (
+                        <Link
+                            className="mb-4 inline-block font-semibold text-teal-700"
+                            href={`/fornecedores/${supplier.id}/dados-bancarios`}
+                        >
+                            Dados bancários e dupla validação →
+                        </Link>
+                    )}
                     <dl className="grid gap-5 text-sm md:grid-cols-2">
                         {Object.entries(supplierFields).map(([key, label]) => (
                             <div key={key}>
diff --git a/routes/preview.php b/routes/preview.php
index 4a07ee1..22b757e 100644
--- a/routes/preview.php
+++ b/routes/preview.php
@@ -7,7 +7,7 @@ use Inertia\Inertia;
 // Public visual consultation. No business records or authenticated identities.
 Route::get('consulta', function (Request $request) {
     $screen = $request->query('ecra', 'overview');
-    $allowed = ['overview', 'requests', 'suppliers', 'quotes', 'conflicts', 'orders', 'receipts', 'stock', 'operations', 'equipment', 'invoices', 'appearance'];
+    $allowed = ['overview', 'requests', 'suppliers', 'quotes', 'conflicts', 'orders', 'receipts', 'stock', 'operations', 'equipment', 'invoices', 'bank', 'appearance'];
 
     return Inertia::render('preview/index', [
         'auth' => ['user' => null],
@@ -20,6 +20,7 @@ Route::get('consulta/{screen}', function (string $screen) {
     $screens['operacoes-stock'] = 'operations';
     $screens['equipamentos'] = 'equipment';
     $screens['facturas'] = 'invoices';
+    $screens['dados-bancarios'] = 'bank';
     abort_unless(isset($screens[$screen]), 404);
 
     return Inertia::render('preview/index', ['auth' => ['user' => null], 'initialScreen' => $screens[$screen]]);
diff --git a/routes/web.php b/routes/web.php
index 2dc6dc3..cc4d4ea 100644
--- a/routes/web.php
+++ b/routes/web.php
@@ -11,6 +11,7 @@ use App\Http\Controllers\QuotationController;
 use App\Http\Controllers\RequisitionController;
 use App\Http\Controllers\StockController;
 use App\Http\Controllers\StockOperationController;
+use App\Http\Controllers\SupplierBankController;
 use App\Http\Controllers\SupplierController;
 use App\Http\Controllers\SupplierDocumentController;
 use App\Http\Middleware\EnsureCompanyIsConfigured;
@@ -25,6 +26,9 @@ Route::middleware(['auth', 'verified'])->group(function () {
     Route::post('empresa/iniciar', [CompanyController::class, 'store'])->name('company.store');
 
     Route::middleware(EnsureCompanyIsConfigured::class)->group(function () {
+        Route::get('fornecedores/{supplier}/dados-bancarios', [SupplierBankController::class, 'show'])->name('suppliers.bank');
+        Route::post('fornecedores/{supplier}/dados-bancarios', [SupplierBankController::class, 'store'])->name('suppliers.bank.store');
+        Route::post('fornecedores/{supplier}/dados-bancarios/{detail}/validar', [SupplierBankController::class, 'review'])->name('suppliers.bank.review');
         Route::get('facturas', [InvoiceController::class, 'index'])->name('invoices.index');
         Route::post('ordens/{order}/facturas', [InvoiceController::class, 'store'])->name('invoices.store');
         Route::post('facturas/{invoice}/validar', [InvoiceController::class, 'validateInvoice'])->name('invoices.validate');
diff --git a/tests/Concurrency/bank-worker.php b/tests/Concurrency/bank-worker.php
new file mode 100644
index 0000000..52d1867
--- /dev/null
+++ b/tests/Concurrency/bank-worker.php
@@ -0,0 +1,36 @@
+<?php
+
+use App\Models\Supplier;
+use App\Models\SupplierBankDetail;
+use App\Models\User;
+use App\Services\SupplierBankWorkflow;
+use Illuminate\Contracts\Console\Kernel;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Validation\ValidationException;
+
+require __DIR__.'/../../vendor/autoload.php';
+$database = $argv[1] ?? '';
+if (! preg_match('/^compras_receipts_test_[a-f0-9]{12}$/', $database)) {
+    throw new LogicException('Base de teste inválida.');
+}
+$app = require __DIR__.'/../../bootstrap/app.php';
+$app->make(Kernel::class)->bootstrap();
+if (! $app->environment('testing') || DB::connection()->getDatabaseName() !== $database) {
+    throw new LogicException('Worker não isolado.');
+}
+DB::select('select set_config(?, ?, false)', ['application_name', 'sgc_bank_'.$argv[4]]);
+$pid = DB::selectOne('select pg_backend_pid() as pid')->pid;
+$user = User::query()->findOrFail($argv[2]);
+auth()->guard()->setUser($user);
+$payload = json_decode(stream_get_contents(STDIN), true, 512, JSON_THROW_ON_ERROR);
+try {
+    if ($payload['action'] === 'propose') {
+        app(SupplierBankWorkflow::class)->propose($user, Supplier::query()->findOrFail($argv[3]), $payload['data']);
+    } else {
+        app(SupplierBankWorkflow::class)->review($user, SupplierBankDetail::query()->findOrFail($argv[3]), 'approved', 'Conferência isolada de teste');
+    }
+    $status = 200;
+} catch (ValidationException) {
+    $status = 422;
+}
+echo json_encode(['status' => $status, 'backend_pid' => $pid], JSON_THROW_ON_ERROR);
diff --git a/tests/Concurrency/run-bank.php b/tests/Concurrency/run-bank.php
new file mode 100644
index 0000000..1494578
--- /dev/null
+++ b/tests/Concurrency/run-bank.php
@@ -0,0 +1,130 @@
+<?php
+
+use App\Enums\PurchasingRole;
+use App\Models\Supplier;
+use App\Models\SupplierBankDetail;
+use App\Models\SupplierBankReview;
+use App\Models\User;
+use App\Services\SupplierBankWorkflow;
+use Illuminate\Contracts\Console\Kernel;
+use Illuminate\Support\Facades\Artisan;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Support\Facades\Schema;
+use Symfony\Component\Process\Process;
+
+require __DIR__.'/../../vendor/autoload.php';
+foreach (['APP_ENV' => 'testing', 'CACHE_STORE' => 'array', 'SESSION_DRIVER' => 'array', 'QUEUE_CONNECTION' => 'sync', 'MAIL_MAILER' => 'array'] as $key => $value) {
+    putenv($key.'='.$value);
+    $_ENV[$key] = $_SERVER[$key] = $value;
+}
+$app = require __DIR__.'/../../bootstrap/app.php';
+$app->make(Kernel::class)->bootstrap();
+require __DIR__.'/../Support/ReceiptFixture.php';
+$original = DB::connection();
+if ($original->getDriverName() !== 'pgsql') {
+    throw new LogicException('Exige PostgreSQL.');
+}
+$config = $original->getConfig();
+$admin = $original->getPdo();
+$database = 'compras_receipts_test_'.bin2hex(random_bytes(6));
+$created = false;
+$processes = [];
+$report = ['tested_at_utc' => gmdate('c'), 'separate_database' => true, 'transport' => 'Independent PHP service transactions and PostgreSQL connections', 'scenarios' => []];
+try {
+    $admin->exec('CREATE DATABASE "'.$database.'"');
+    $created = true;
+    config(['database.connections.pgsql' => [...$config, 'database' => $database, 'url' => null]]);
+    DB::purge('pgsql');
+    DB::setDefaultConnection('pgsql');
+    Schema::clearResolvedInstance('db.schema');
+    app()->forgetInstance('db.schema');
+    if (DB::connection()->getDatabaseName() !== $database || Schema::getConnection()->getDatabaseName() !== $database) {
+        throw new LogicException('Migração fora do isolamento recusada.');
+    }
+    Artisan::call('migrate', ['--database' => 'pgsql', '--force' => true]);
+    $workerEnv = ['APP_ENV' => 'testing', 'DB_CONNECTION' => 'pgsql', 'DB_URL' => '', 'DB_DATABASE' => $database, 'DB_HOST' => $config['host'], 'DB_PORT' => (string) $config['port'], 'DB_USERNAME' => $config['username'], 'DB_PASSWORD' => $config['password'], 'CACHE_STORE' => 'array', 'SESSION_DRIVER' => 'array'];
+    foreach (['distinct_approvals', 'same_approval', 'competing_revisions'] as $scenario) {
+        $f = receiptFixture();
+        $supplier = Supplier::query()->findOrFail($f['order']->supplier_id);
+        $author = $f['issuer'];
+        auth()->guard()->setUser($author);
+        $first = User::factory()->create(['tenant_id' => $author->tenant_id, 'purchasing_role' => PurchasingRole::Finance]);
+        $second = User::factory()->create(['tenant_id' => $author->tenant_id, 'purchasing_role' => PurchasingRole::Finance]);
+        $data = ['previous_id' => 0, 'bank_name' => 'Banco fictício', 'country' => 'MZ', 'currency' => 'MZN', 'beneficiary' => 'Titular fictício', 'account_identifier' => 'TEST-PG-0001', 'evidence_reference' => 'Apenas teste', 'reason' => 'Apenas teste'];
+        $detail = app(SupplierBankWorkflow::class)->propose($author, $supplier, $data);
+        $payload = ['action' => 'review'];
+        $target = $detail->id;
+        if ($scenario === 'same_approval') {
+            $second = $first;
+        } elseif ($scenario === 'competing_revisions') {
+            $first = $second = $author;
+            $target = $supplier->id;
+            $payload = ['action' => 'propose', 'data' => [...$data, 'previous_id' => $detail->id]];
+        }
+        $connection = DB::connection();
+        $connection->beginTransaction();
+        $connection->table('tenants')->where('id', $author->tenant_id)->lockForUpdate()->first();
+        $processes = [];
+        foreach ([$first, $second] as $index => $user) {
+            $process = new Process([PHP_BINARY, __DIR__.'/bank-worker.php', $database, (string) $user->id, (string) $target, $index === 0 ? 'A' : 'B'], base_path(), $workerEnv);
+            $process->setInput(json_encode($payload, JSON_THROW_ON_ERROR));
+            $process->setTimeout(40);
+            $process->start();
+            $processes[] = $process;
+        }
+        $statement = $admin->prepare("SELECT count(*) FROM pg_stat_activity WHERE datname = ? AND application_name IN ('sgc_bank_A','sgc_bank_B') AND wait_event_type = 'Lock'");
+        $deadline = microtime(true) + 20;
+        do {
+            $statement->execute([$database]);
+            $waits = (int) $statement->fetchColumn();
+            if ($waits === 2) {
+                break;
+            }
+            foreach ($processes as $process) {
+                if (! $process->isRunning()) {
+                    throw new RuntimeException('Worker terminou antes do bloqueio: '.$process->getErrorOutput());
+                }
+            }
+            usleep(20000);
+        } while (microtime(true) < $deadline);
+        $connection->commit();
+        if ($waits !== 2) {
+            throw new RuntimeException('Sem sobreposição de bloqueios.');
+        }
+        $results = [];
+        foreach ($processes as $process) {
+            $process->wait();
+            if (! $process->isSuccessful()) {
+                throw new RuntimeException('Falha do worker: '.$process->getErrorOutput());
+            }
+            $results[] = json_decode($process->getOutput(), true, 512, JSON_THROW_ON_ERROR);
+        }
+        $statuses = array_column($results, 'status');
+        sort($statuses);
+        $state = app(SupplierBankWorkflow::class)->state($supplier);
+        $count = SupplierBankReview::query()->count();
+        if ($statuses !== ($scenario === 'competing_revisions' ? [200, 422] : [200, 200]) || $state !== ($scenario === 'distinct_approvals' ? 'approved' : 'pending') || $count !== match ($scenario) {
+            'distinct_approvals' => 2, 'same_approval' => 1, default => 0
+        } || SupplierBankDetail::query()->count() !== ($scenario === 'competing_revisions' ? 2 : 1) || count(array_unique(array_column($results, 'backend_pid'))) !== 2) {
+            throw new RuntimeException('Resultado concorrente inesperado.');
+        }
+        $report['scenarios'][] = ['name' => $scenario, 'passed' => true, 'overlapping_lock_waits' => $waits, 'state' => $state, 'review_count' => $count];
+    }
+    $report['passed'] = true;
+} finally {
+    foreach ($processes as $process) {
+        if ($process->isRunning()) {
+            $process->stop();
+        }
+    }
+    if (isset($connection) && $connection->transactionLevel() > 0) {
+        $connection->rollBack();
+    }
+    DB::disconnect('pgsql');
+    if ($created && $database !== $original->getDatabaseName() && preg_match('/^compras_receipts_test_[a-f0-9]{12}$/', $database)) {
+        $admin->exec('DROP DATABASE "'.$database.'"');
+        $report['test_database_dropped'] = true;
+    }
+}
+file_put_contents(base_path('docs/bancos-concorrencia-postgresql.json'), json_encode($report, JSON_PRETTY_PRINT | JSON_THROW_ON_ERROR).PHP_EOL);
+echo json_encode($report, JSON_PRETTY_PRINT | JSON_THROW_ON_ERROR).PHP_EOL;
diff --git a/tests/Feature/SupplierBankTest.php b/tests/Feature/SupplierBankTest.php
new file mode 100644
index 0000000..1d13c06
--- /dev/null
+++ b/tests/Feature/SupplierBankTest.php
@@ -0,0 +1,153 @@
+<?php
+
+use App\Enums\PurchasingRole;
+use App\Models\AuditLog;
+use App\Models\Supplier;
+use App\Models\SupplierBankDetail;
+use App\Models\SupplierBankReview;
+use App\Models\User;
+use App\Services\RequisitionWorkflow;
+use App\Services\SupplierBankWorkflow;
+use Illuminate\Support\Facades\DB;
+use Illuminate\Validation\ValidationException;
+
+require_once __DIR__.'/../Support/ReceiptFixture.php';
+
+beforeEach(function () {
+    $this->f = receiptFixture();
+    $this->supplier = Supplier::query()->findOrFail($this->f['order']->supplier_id);
+    $this->buyer = $this->f['issuer'];
+    $this->first = User::factory()->create(['tenant_id' => $this->supplier->tenant_id, 'purchasing_role' => PurchasingRole::Finance]);
+    $this->second = User::factory()->create(['tenant_id' => $this->supplier->tenant_id, 'purchasing_role' => PurchasingRole::Finance]);
+    $this->actingAs($this->buyer);
+    $this->data = ['previous_id' => 0, 'bank_name' => 'Banco fictício', 'country' => 'MZ', 'currency' => 'MZN', 'beneficiary' => 'Beneficiário fictício de teste', 'account_identifier' => 'TEST-ACCOUNT-0001', 'evidence_reference' => 'Referência fictícia de conferência', 'reason' => 'Cadastro fictício'];
+    $this->url = '/fornecedores/'.$this->supplier->id.'/dados-bancarios';
+});
+
+function bankProposal(object $test): SupplierBankDetail
+{
+    $test->actingAs($test->buyer);
+
+    return app(SupplierBankWorkflow::class)->propose($test->buyer, $test->supplier, $test->data);
+}
+
+function bankApprove(object $test, User $user, SupplierBankDetail $detail, string $decision = 'approved'): void
+{
+    $test->actingAs($user);
+    app(SupplierBankWorkflow::class)->review($user, $detail, $decision, 'Conferência independente de teste');
+}
+
+test('bank data needs two distinct independent finance reviewers', function () {
+    $detail = bankProposal($this);
+    bankApprove($this, $this->first, $detail);
+    expect(app(SupplierBankWorkflow::class)->state($this->supplier))->toBe('pending');
+    bankApprove($this, $this->first, $detail);
+    expect(SupplierBankReview::query()->count())->toBe(1);
+    bankApprove($this, $this->second, $detail);
+    expect(app(SupplierBankWorkflow::class)->state($this->supplier))->toBe('approved');
+});
+
+test('bank identifiers are encrypted hidden and absent from audit payloads', function () {
+    $detail = bankProposal($this);
+    expect(DB::table('supplier_bank_details')->where('id', $detail->id)->value('account_identifier'))->not->toBe($this->data['account_identifier']);
+    expect($detail->refresh()->account_identifier)->toBe($this->data['account_identifier']);
+    expect($detail->toArray())->not->toHaveKey('account_identifier')->not->toHaveKey('beneficiary');
+    expect(json_encode(AuditLog::query()->get()->toArray()))->not->toContain($this->data['account_identifier'])->not->toContain($this->data['beneficiary']);
+});
+
+test('new bank revision invalidates prior availability and refuses stale proposals and reviews', function () {
+    $old = bankProposal($this);
+    bankApprove($this, $this->first, $old);
+    bankApprove($this, $this->second, $old);
+    $this->data['previous_id'] = $old->id;
+    $this->data['account_identifier'] = 'TEST-ACCOUNT-0002';
+    $new = bankProposal($this);
+    expect($new->revision)->toBe(2)->and(app(SupplierBankWorkflow::class)->state($this->supplier))->toBe('pending');
+    expect(fn () => bankProposal($this))->toThrow(ValidationException::class);
+    expect(fn () => bankApprove($this, $this->first, $old))->toThrow(ValidationException::class);
+    expect(SupplierBankDetail::query()->count())->toBe(2);
+});
+
+test('author cannot validate after changing to finance role', function () {
+    $detail = bankProposal($this);
+    $this->buyer->forceFill(['purchasing_role' => PurchasingRole::Finance])->save();
+    $this->post($this->url.'/'.$detail->id.'/validar', ['decision' => 'approved', 'reason' => 'Teste', 'independently_verified' => true])->assertForbidden();
+});
+
+test('rejection blocks bank readiness and cannot be erased', function () {
+    $detail = bankProposal($this);
+    bankApprove($this, $this->first, $detail, 'rejected');
+    expect(app(SupplierBankWorkflow::class)->state($this->supplier))->toBe('rejected');
+    expect(fn () => bankApprove($this, $this->second, $detail))->toThrow(ValidationException::class);
+    expect(fn () => $detail->update(['bank_name' => 'Alterado']))->toThrow(LogicException::class);
+    expect(fn () => SupplierBankReview::query()->firstOrFail()->delete())->toThrow(LogicException::class);
+});
+
+test('bank eligibility changes with reviewer role or supplier suspension', function () {
+    $detail = bankProposal($this);
+    bankApprove($this, $this->first, $detail);
+    bankApprove($this, $this->second, $detail);
+    $this->first->forceFill(['purchasing_role' => PurchasingRole::Warehouse])->save();
+    expect(app(SupplierBankWorkflow::class)->state($this->supplier))->toBe('blocked');
+    $this->first->forceFill(['purchasing_role' => PurchasingRole::Finance])->save();
+    $this->supplier->update(['status' => 'suspended']);
+    expect(app(SupplierBankWorkflow::class)->state($this->supplier))->toBe('blocked');
+});
+
+test('foreign users cannot propose read or validate bank information', function () {
+    $detail = bankProposal($this);
+    $other = receiptFixture();
+    $user = User::factory()->create(['tenant_id' => $other['tenant']->id, 'purchasing_role' => PurchasingRole::Finance]);
+    $this->actingAs($user)->get($this->url)->assertNotFound();
+    $this->post($this->url.'/'.$detail->id.'/validar', ['decision' => 'approved', 'reason' => 'Teste', 'independently_verified' => true])->assertNotFound();
+});
+
+test('warehouse and department heads cannot read bank details', function (PurchasingRole $role) {
+    bankProposal($this);
+    $user = User::factory()->create(['tenant_id' => $this->supplier->tenant_id, 'purchasing_role' => $role]);
+    $this->actingAs($user)->get($this->url)->assertForbidden();
+})->with([PurchasingRole::Warehouse, PurchasingRole::DepartmentHead, PurchasingRole::Requester]);
+
+test('administration gets metadata only and finance accesses are audited without account numbers', function () {
+    $detail = bankProposal($this);
+    $admin = User::factory()->create(['tenant_id' => $this->supplier->tenant_id, 'purchasing_role' => PurchasingRole::Admin]);
+    $this->actingAs($admin)->get($this->url)->assertOk()->assertInertia(fn ($page) => $page->where('current', null));
+    $this->actingAs($this->first)->get($this->url)->assertOk()->assertHeader('Cache-Control', 'max-age=0, no-store, private')->assertInertia(fn ($page) => $page->where('current.account_identifier', $this->data['account_identifier']));
+    expect(AuditLog::query()->where('action', 'supplier.bank_viewed')->count())->toBe(1);
+});
+
+test('bank audit failure rolls back proposal and review', function () {
+    $detail = bankProposal($this);
+    $this->mock(RequisitionWorkflow::class)->shouldReceive('audit')->andThrow(new RuntimeException('audit failed'));
+    expect(fn () => bankApprove($this, $this->first, $detail))->toThrow(RuntimeException::class);
+    expect(SupplierBankReview::query()->count())->toBe(0);
+    $this->data['previous_id'] = $detail->id;
+    expect(fn () => bankProposal($this))->toThrow(RuntimeException::class);
+    expect(SupplierBankDetail::query()->count())->toBe(1);
+});
+
+test('invalid bank submission does not flash sensitive input to the session', function () {
+    $this->post($this->url, [...$this->data, 'country' => 'INVALID'])->assertSessionHasErrors('country');
+    expect(session()->getOldInput('account_identifier'))->toBeNull()
+        ->and(session()->getOldInput('beneficiary'))->toBeNull()
+        ->and(session()->getOldInput('reason'))->toBeNull();
+});
+
+test('bank review requires the independent verification declaration', function () {
+    $detail = bankProposal($this);
+    $this->actingAs($this->first)->post($this->url.'/'.$detail->id.'/validar', ['decision' => 'approved', 'reason' => 'Conferência'])->assertSessionHasErrors('independently_verified');
+    expect(SupplierBankReview::query()->count())->toBe(0);
+});
+
+test('supplier conflict blocks a previously approved banking revision', function () {
+    $detail = bankProposal($this);
+    bankApprove($this, $this->first, $detail);
+    bankApprove($this, $this->second, $detail);
+    $this->actingAs($this->first)->post('/conflitos', ['scope' => 'supplier', 'supplier_id' => $this->supplier->id, 'has_conflict' => true, 'known_since' => today()->format('Y-m-d'), 'reason' => 'Conflito fictício declarado depois da conferência.'])->assertSessionHasNoErrors();
+    expect(app(SupplierBankWorkflow::class)->state($this->supplier))->toBe('blocked');
+});
+
+test('public bank example exposes no company banking details', function () {
+    auth()->forgetGuards();
+    $this->get('/consulta/dados-bancarios')->assertOk()->assertInertia(fn ($page) => $page->where('initialScreen', 'bank')->where('auth.user', null)->missing('current')->missing('history'));
+});
diff --git a/tests/Support/apply-bank-migration.php b/tests/Support/apply-bank-migration.php
new file mode 100644
index 0000000..2300de6
--- /dev/null
+++ b/tests/Support/apply-bank-migration.php
@@ -0,0 +1,105 @@
+<?php
+
+// Explicit operational entry point: backup, restore verification, then only migration 000011.
+use Illuminate\Contracts\Console\Kernel;
+use Illuminate\Support\Facades\Artisan;
+use Illuminate\Support\Facades\DB;
+use Symfony\Component\Process\Process;
+
+require __DIR__.'/../../vendor/autoload.php';
+$app = require __DIR__.'/../../bootstrap/app.php';
+$app->make(Kernel::class)->bootstrap();
+$connection = DB::connection();
+if ($connection->getDriverName() !== 'pgsql' || $connection->getDatabaseName() !== 'compras_dev' || ! $app->environment('local')) {
+    throw new LogicException('Aplicação recusada fora de compras_dev/local.');
+}
+$pdo = $connection->getPdo();
+$migration = '2026_10_28_000011_create_supplier_bank_details';
+if ($pdo->query("SELECT count(*) FROM migrations WHERE migration = '$migration'")->fetchColumn() > 0) {
+    throw new LogicException('Migração já aplicada; não repetir.');
+}
+$config = $connection->getConfig();
+$bin = 'C:/Program Files/PostgreSQL/17/bin/';
+foreach (['pg_dump.exe', 'pg_restore.exe'] as $tool) {
+    if (! is_file($bin.$tool)) {
+        throw new LogicException('Ferramentas PostgreSQL 17 ausentes.');
+    }
+}
+$envHash = hash_file('sha256', base_path('.env'));
+$directory = storage_path('app/private/backups/bank-000011-'.gmdate('Ymd-His').'-'.bin2hex(random_bytes(3)));
+if (! mkdir($directory, 0700, true)) {
+    throw new RuntimeException('Não foi possível criar backup privado.');
+}
+$env = ['PGHOST' => $config['host'], 'PGPORT' => (string) $config['port'], 'PGUSER' => $config['username'], 'PGPASSWORD' => $config['password'], 'PGSSLMODE' => $config['sslmode'] ?? 'prefer'];
+$quote = fn (string $name) => '"'.str_replace('"', '""', $name).'"';
+$fingerprints = function (PDO $db, array $tables) use ($quote): array {
+    $result = [];
+    foreach ($tables as $table) {
+        $rows = $db->query('SELECT md5(row_to_json(t)::text) FROM public.'.$quote($table).' t')->fetchAll(PDO::FETCH_COLUMN);
+        sort($rows, SORT_STRING);
+        $result[$table] = ['count' => count($rows), 'sha256' => hash('sha256', implode('\n', $rows))];
+    }
+
+    return $result;
+};
+$tables = $pdo->query("SELECT tablename FROM pg_tables WHERE schemaname = 'public' ORDER BY tablename")->fetchAll(PDO::FETCH_COLUMN);
+$restoreDatabase = 'compras_restore_check_'.bin2hex(random_bytes(6));
+$restoreCreated = false;
+try {
+    // pg_dump and the manifest read exactly the same committed snapshot.
+    $pdo->beginTransaction();
+    $pdo->exec('SET TRANSACTION ISOLATION LEVEL REPEATABLE READ, READ ONLY');
+    $snapshot = $pdo->query('SELECT pg_export_snapshot()')->fetchColumn();
+    $backupState = $fingerprints($pdo, $tables);
+    $dump = new Process([$bin.'pg_dump.exe', '--format=custom', '--no-owner', '--no-acl', '--snapshot='.$snapshot, '--file='.$directory.'/database.dump', '--dbname='.$config['database']], base_path(), $env);
+    $dump->setTimeout(120);
+    $dump->run();
+    if (! $dump->isSuccessful()) {
+        throw new RuntimeException('Falha no backup PostgreSQL; migração não executada.');
+    }
+    $pdo->commit();
+    $pdo->exec('CREATE DATABASE '.$quote($restoreDatabase));
+    $restoreCreated = true;
+    $restore = new Process([$bin.'pg_restore.exe', '--exit-on-error', '--no-owner', '--no-acl', '--dbname='.$restoreDatabase, $directory.'/database.dump'], base_path(), $env);
+    $restore->setTimeout(120);
+    $restore->run();
+    if (! $restore->isSuccessful()) {
+        throw new RuntimeException('Restauro de verificação falhou; migração não executada.');
+    }
+    config(['database.connections.budget_restore' => [...$config, 'url' => null, 'database' => $restoreDatabase]]);
+    $restored = DB::connection('budget_restore')->getPdo();
+    if ($fingerprints($restored, $tables) !== $backupState) {
+        throw new RuntimeException('Restauro não corresponde ao backup; migração recusada.');
+    }
+    file_put_contents($directory.'/manifest.json', json_encode(['tables' => $backupState, 'dump_sha256' => hash_file('sha256', $directory.'/database.dump')], JSON_PRETTY_PRINT | JSON_THROW_ON_ERROR));
+    file_put_contents($directory.'/RECUPERACAO.txt', "Backup custom PostgreSQL 17 verificado por restauro numa base separada.\nUsar pg_restore --exit-on-error --no-owner --no-acl --dbname=NOVA_BASE database.dump.\nAs credenciais pertencem ao ambiente local e não estão neste manifesto.\nNão restaurar por cima da base existente.\n");
+    DB::disconnect('budget_restore');
+    unset($restored);
+    $pdo->exec('DROP DATABASE '.$quote($restoreDatabase));
+    $restoreCreated = false;
+    $businessTables = array_values(array_diff($tables, ['migrations', 'sessions', 'cache', 'cache_locks', 'jobs', 'failed_jobs', 'job_batches']));
+    $before = $fingerprints($pdo, $businessTables);
+    $oldMigrations = $pdo->query('SELECT id, migration, batch FROM migrations ORDER BY id')->fetchAll(PDO::FETCH_ASSOC);
+    $constraints = $pdo->query("SELECT conname, pg_get_constraintdef(oid) AS definition FROM pg_constraint WHERE connamespace = 'public'::regnamespace ORDER BY conname, definition")->fetchAll(PDO::FETCH_ASSOC);
+    $exit = Artisan::call('migrate', ['--path' => 'database/migrations/'.$migration.'.php', '--force' => true]);
+    if ($exit !== 0) {
+        throw new RuntimeException('Migração falhou; consultar backup privado.');
+    }
+    $after = $fingerprints($pdo, $businessTables);
+    $newMigrations = $pdo->query('SELECT id, migration, batch FROM migrations ORDER BY id')->fetchAll(PDO::FETCH_ASSOC);
+    $newConstraints = $pdo->query("SELECT conname, pg_get_constraintdef(oid) AS definition FROM pg_constraint WHERE connamespace = 'public'::regnamespace ORDER BY conname, definition")->fetchAll(PDO::FETCH_ASSOC);
+    if ($before !== $after || array_slice($newMigrations, 0, count($oldMigrations)) !== $oldMigrations || count($newMigrations) !== count($oldMigrations) + 1 || array_diff(array_map('serialize', $constraints), array_map('serialize', $newConstraints)) !== [] || hash_file('sha256', base_path('.env')) !== $envHash) {
+        throw new RuntimeException('Verificação de preservação falhou; não executar mais escritas.');
+    }
+    $report = ['verified_at_utc' => gmdate('c'), 'migration' => $migration, 'batch' => (int) end($newMigrations)['batch'], 'backup_created' => true, 'backup_bytes' => filesize($directory.'/database.dump'), 'restore_verified' => true, 'restored_tables' => count($tables), 'restore_database_dropped' => true, 'business_records_unchanged' => true, 'existing_constraints_preserved' => true, 'env_unchanged' => true, 'bank_details_count' => (int) $pdo->query('SELECT count(*) FROM supplier_bank_details')->fetchColumn(), 'bank_reviews_count' => (int) $pdo->query('SELECT count(*) FROM supplier_bank_reviews')->fetchColumn(), 'operational_validation' => false];
+    file_put_contents(base_path('docs/bancos-migracao-000011.json'), json_encode($report, JSON_PRETTY_PRINT | JSON_THROW_ON_ERROR).PHP_EOL);
+    echo json_encode($report, JSON_PRETTY_PRINT | JSON_THROW_ON_ERROR).PHP_EOL;
+} finally {
+    if ($pdo->inTransaction()) {
+        $pdo->rollBack();
+    }
+    DB::disconnect('budget_restore');
+    if ($restoreCreated && preg_match('/^compras_restore_check_[a-f0-9]{12}$/', $restoreDatabase) && $restoreDatabase !== $connection->getDatabaseName()) {
+        $pdo->exec('DROP DATABASE '.$quote($restoreDatabase));
+    }
+}