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New PIX rules go into effect January 2: Find out what the changes are

Since its inception, pix It revolutionized the Brazilian banking system and the new rules could be a guarantee of further progress towards modernity. At least that’s what central bank 🇧🇷B.C.E.) in announcing these changes, which are expected to take effect January 2. But what will these changes be? Learn all about it in our article below.

PIX will work with new rules from January – Image: jeanedeoliveirafotografia / pronatec.pro.br

New PIX rules start in January 2023

As mentioned above, last Thursday (01), the central bank Changing the rules related to the limits of the value of financial transactions executed through pix🇧🇷 According B.C.E.The idea is to make the process simpler and improve the experience for users and customers, as well as ensure greater security.

Namely, these changes will come into effect from January 2, 2023. As for other adjustments that are made through digital channels, these changes will start on July 3 of next year.

See also: Transactions via Pix have different rules Central Bank: Know what has changed!

PIX will have new frontiers

No doubt many people are looking forward to the new rules for pixmainly because this process has become a favorite of Brazilians for both individuals and companies.

See the list of news promised for 2023 below.

New frontiers

new base in pix It proves that, starting in 2023, no bank will be obliged to set a limit on the value of transactions executed. However, they should only limit the time in the guarantee to bring more security to the users.

Therefore, the main idea is that there is no longer a limit on the amount of transfer in just one transaction, as it will be he who decides. Your only obligation will be to inform the banking institution by how much your new periods will be adjusted, which can take anywhere from 24 hours to 48 hours.

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night time

Another important detail related to the night. There is currently a general understanding of the special rules for 8 pm and 6 am transfers, which are limited to up to R$1,000. However, the idea now is that they are more optional. In short, the customer decides for himself and banks will no longer need to offer choices about such private regulations in these times.

However, it is unlikely that anything will change much in this regard, as well as the practical application of pixSecurity is paramount for most financial institutions. By the way, this is the main bias of this limitation.

Pix Loot and Pix Change

Finally, we have a novelty that has been broadcasting for a long time, which will be the limits for withdrawing in-kind amounts. for option Change Pix Loot PixFor these cash withdrawals, a cap of R$3,000 during the day and R$100 to R$1,000 will be capped at night.

Apparently, this news could create a little resistance at first but it has everything to become more popular with users.

See also: Pix rates are really VALENDO: check out situations where this can happen

I lost a pixel, what can I do now?

Many people may encounter some unusual situations, such as a pixel being passed to the wrong recipient. First, it is good to clarify that there is no way to get a refund yourself, as it is a direct transfer method.

In order for the customer who sent the amount to be able to get a refund, it is necessary to contact the person who received the amount (via CPF data, cell phone number, name or email) and request a return. As a last resort, the person can contact the recipient’s bank to return the funds.

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It should be noted that in the case of values ​​\u200b\u200bsent to random keys, a refund is impossible, since the method does not provide access to the recipient’s personal data.