One of the latest versions of nubank It is about the possibility of realization Transfers via PIX using a credit card And we still share the value. Other digital banks have already made the functionality available, but now it is also available for roxinho users.
Pix installments from Nubank
a nubank You mentioned that customers who have an available limit on their credit cards can choose to use it when transferring via PIX. This way, with a limit on your card, you don’t necessarily need to have available balance on your account to use PIX. In addition, the method is available to both individuals and legal entities.
a pix in installments It is a great option for those who need to make a transfer, but do not have enough balance in their account at the time of making the transaction. With this functionality, the customer can still choose to divide the total value up to twelve times. However, it is important to note that this option generates interest on the total amount sent.
It should be noted that it makes no difference as to who gets PIX, as the money usually goes down immediately. However, before using this resource, it is important to plan financially, as PIX on a credit card charges interest and IOF.
According to the above information, two fees are applied to the transaction: interest and an IOF transaction tax. While the interest rate is 3.99% per month, the interest rate ranges between 0.38% and 3.38%.
How to use “Pix in installments”?
Using the function is very simple, since the method is practically the same as the one used to send PIX with an account balance. Check out the steps below step by step:
- Access to the application nubank.
- Go to the Pix area;
- Select the transfer option and enter the Pix key;
- Enter the amount to be sent;
- On the payment screen, click “Choose a transfer method”.
- Once done, tap on the credit card option;
- choose the number of installments;
- On the confirmation screen, confirm the data and check the fees applied to the operation;
- click “Transfer”; And the
- Finally, enter the password.
After performing these actions, the transfer amount will be credited to your credit card bill, without taking money from your balance.
In this way, using PIX with Credit card It’s very simple. Anyway, Nubank users now have access to this new functionality.
In addition to Nubank, other digital banks already had this method, such as PicPay.
