a pix It is an instant payments tool Central Bank (BC)🇧🇷 Through it, the consumer can make bank transfers in up to 10 seconds. In this way, since its launch, the tool has fallen in favor of Brazilians and is currently the largest payment method used in the country.
Due to the success of the new method, BC began to invest more in operations, which improved system performance. From this perspective, from January 2, 2023, PIX users will have some changes. See any of them below!
What will the new PIX rules be?
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There will no longer be a limit on transactions with PIX, i.e. banks will not be required to set a limit on the value of transfers, only a limit should be set for each time period.
So, those with a daily limit of R$2,000, for example, will be able to use that entire amount in a single transaction. Also, nothing changes for those who wish to request changes to their limits.
As for the request to reduce the limit, the bank must respond to it immediately. Now, if the request is to increase the limit, it must be authorized within 24 hours to 48 hours.
night time
Banks will be able to allow their customers to customize the overnight time limit, as long as the change is to reduce margin. Generally, the change takes place between 20:00 and 06:00, however, it will be possible to change to the time between 22:00 and 06:00.
PIX withdrawal and PIX exchange
Finally, another change concerns the modes of service, PIX Saque and PIX Troco. By tweaking, the maximum recovery value has been changed:
- during the day: from R$500 to R$3,000;
- Overnight: from R$100 to R$1,000.
Will PIX charge in 2023?
Because of the change of the President of the Republic, Jair Christ Bolsonaro (PL) for Luiz Inacio Lula da Silva (PT) In 2023, many doubts arose about the functioning of PIX – the instant payment tool for Central Bank (BC) – Starting next year.
Many believe in a service taxation of a president-elect’s term. This is because PIX was created by BC in partnership with President Bolsonaro. However, some of the actions associated with the tool today can actually result in a fee.
According to the Central Bank, “In the case of a legal entity, the financial institution holding the customer’s account may charge fees for sending and receiving money, for transfer and purchase purposes.”
