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In the first week of December 2022, the Central Bank (BC) made a change Rules for using the Pix payment method🇧🇷 The focus of these changes is on value limits related to conversions via Pix. According to BC, the implementation of these amendments is scheduled to take effect from January 2, 2023.
Due to its agility, the instant payment system, Pix, has become one of the most used tools by Brazilians. However, this system has also become a target for scammers. Therefore, Pix is always undergoing reformulations to restore values that have been fraudulently or fraudulently changed.
Changes to conversions via Pix
The central bank claimed that starting in 2023, Pix will not have a transaction limit. Limits will only be maintained for periods, i.e. during the day (6:00 am to 8:00 pm) and night (8:00 pm to 6:00 am). With the change, the customer will be able to transfer the entire period limit in just one transaction or perform several operations during each period, depending on his needs.
In addition, the Central Bank raised the limit for cash withdrawals in the Pix Saque and Pix Troco modalities. The maximum amount has been increased from R$500 to R$3,000 during the day and R$100 to R$1,000 at night.
More details on limit rules
According to the new regulation, banks are no longer required to set a limit on the amount that can be transacted, they are only required to set a daily limit. As a result, it will now be possible to carry out one transaction, according to the limit value per day.
However, the rules for changing limits at the request of customers remain the same. Thus, reduction requests must be dealt with immediately, while limit increase requests are processed and take effect between 24 and 48 hours after they are requested by the user.
Another novelty is that the central bank has also decided that institutions have the power to set legal entity (PJ) limits.
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