Can a bank charge those who send or receive PIX?

Payment via PIX has become one of the preferred methods Brazilians Receive and send money and pay bills. This is because the method is available 24 hours a day throughout the week, including holidays. The best part is that there are also no interbank transfer fees.

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This payment method was launched in October 2022. It has already been fully operational as of November of the same year. in Transfers Speak through transaction keys, where users can register their CPF/CNPJ, cell phone and email. If the customer prefers not to associate his personal data with the keys, he can also choose one random registry made up of random numbers.

The Reward The resource is valid for those who wish to create or receive a PIX on their account. The exemption from fees also applies to individual micro-entrepreneurs (MEI) and also to individual entrepreneurs who follow the same rules as individuals. In the case of a Sole Proprietorship Limited Liability Company (EIRELI), which is subject to the same rules as the class of legal entity, a sending or receiving fee may apply.

Therefore, even if it is free, there are some cases where organizations can charge a fee for using the method.

When can PIX be taxed?

Individuals are also subject to Cost As well as in the case of EIRELIs and legal entities.

See in what situations this could happen.

• When performing: when the movement is carried out through a face-to-face service channel or through employees of the enterprise, including by telephone;
• On Receipt: When the transaction is configured as a commercial transaction.

In this way, PIX can be recognized as Transaction commercial cases:

• Receipt via dynamic QRCode;
• Receipt by QR code from the payer of a legal entity;
• A receipt in an account specified in the contract of exclusive use for commercial purposes;
• Over 30 PIX per month via manual entry, key and fixed QR code when you have all received user information.