As of January 2, Pix will no longer have a limit per transaction, the Central Bank (BC) announced today (1). Value limits will only be maintained per period: daytime (6 am to 8 pm) or nighttime (8 pm to 6 am). it several times, at the discretion of the account holder. The BC also raised the limit for cash withdrawals through the Pix Loot and Pix Troco modalities. The maximum amount went from R$500 to R$3,000 during the day and from R$100 to R$1,000 at night. The rules for customers to customize Pix limits have not changed. Financial institutions will have 24 to 48 hours to comply with the extension of limits and must immediately accept reduction requests. the management of limits through applications, maintaining the current level of security”. As for Pix Saque and Pix Troco, the agency reported that the changes are intended to match Pix to the traditional withdrawal at ATMs. by the Brazilian Federation of Banks (Febraban), which brings together institutions participating in Pix. According to the group, the maximum value per transaction was ineffective because the user can carry out several operations for the limit value as long as he respects the amount set for the day or night period. Retirements and pensions The BC also changed the regulation for the payment of wages and social security benefits by the government. The National Treasury will be able to pay salaries to civil servants, retirements and pensions through Pix. The BC will also make it easier for bank correspondents to receive funds through this modality. Other regulations have been updated. It will be at the discretion of each financial institution to define the limits for transactions where end users are companies. The customization of the differentiated night time will become optional. In addition, financial institutions will consider the limits of available electronic transfer (TED) to define the limits of Pix operations for the purpose of purchase. Until now, the maximum amounts were defined based on the debit card. Most of the rules will apply from January 2nd. However, adjustments related to managing limits for customers through the institution’s app or digital channel are valid from July 3, 2023. Since its launch, in November 2020, Pix has become the means of most used payment in Brazil. With the payment of the first installment of the 13th salary yesterday (30), the system broke a new daily transaction record. According to BC, 99.4 million Pix operations were carried out in just one day.
Agência Brasil
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