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Balance at zero in Nubank account?  There is a solution to make PIX now

Balance at zero in Nubank account? There is a solution to make PIX now

It is very common to reach this time of the month and have the checking account balance at zero. More than ever, you need to create PIX for someone and not have a dollar deposited. What a problem, isn't it? In such a situation, digital bank Nubank created an innovative method that left many people speechless.

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Don't worry about not having money in your account at this stage of the tournament, as Nubank offers PIX on credit, i.e. a method that allows you to transfer a borrowed amount and even without consuming your credit card balance.

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PIX Balance/Guaranteed Nubank; Get to know (Photos: Reproduction/Internet/Freepick/Montage)

This new “secured” line of credit from PIX at Nubank has greatly helped many fintech clients who may be experiencing temporary financial distress. Even without money in your checking account and without using your credit card limit, this PIX transaction can be done.

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Nubank provides a certain amount for each type of customer profile in “Pix no Crédito”, where you can make the transaction in one payment, which will be charged to your existing bill, or split the PIX into up to a few installments. This flexibility gives the user the independence to feel comfortable about what they believe is best for their portfolio.

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Nubank offers more limits to credit card customers (Image: Reproduction/Internet)
Nubank offers more limits to credit card customers (Image: Reproduction/Internet)

The Nubank application offers a specific total limit for each consumer, therefore, the “Pix no Crédito” transaction limits have specific values. Small interest rates are charged and we guarantee they are very cheap, but it is worth noting that the more you pay in instalments, the higher the values. Watch!

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If you notice the need to make transactions higher than this limit, especially while moving on the street, it will be necessary, as a security measure, to perform facial recognition in the application, but this is not one of the most common situations for those who need a borrowed PIX, but it can happen that.

Nubank surprises customers and releases credit card limit on their accounts (Image reproduced by Nubank Disclosure)
Nubank surprises customers and releases credit card limit on their accounts (Image reproduced by Nubank Disclosure)

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What options are allowed to make PIX with credit?

Nubank offers two ways to make PIX on credit even if there is no balance in the account: PIX Keys or through QR Code. Discover more information within the app, which is very intuitive.