Pix! Discover the new rules that come into force from today

From this Friday (1), the Central Bank implemented new rules for Pixwith the aim of preventing fraud and increasing user security.

These measures will especially impact transfers of larger amounts, and it is important to understand what changes for you who use Pix on a daily basis. Below, we explain in a didactic way the new rules and how they affect you.

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Limitations for unregistered devices

One of the main changes to Pix’s rules concerns the use of unregistered devices to make transfers. Now, if you try to make a transaction from a cell phone, tablet or computer that has not been previously registered with your bank, there will be a limit of R**$200 per transaction**. Furthermore, the sum of all transfers made on these devices in a single day cannot exceed R1,000.

These rules aim to make it difficult to misuse Pix in cases of theft or loss of devices. Therefore, even if a malicious person gains access to your device, they will not be able to move large amounts of money without first registering the device with the bank.

Device registration may vary according to each financial institution, and may involve facial recognition, codes sent by email or SMS, and even authorization at an ATM. It is important to follow your bank’s instructions to ensure that you can use Pix safely.

If you already have one or more bank and fintech accounts on your cell phone, you will not need to register. Pix’s new rules only apply to new devices.

What changes for transfers over R$200

Transfers exceeding the value of R$200 can only be made using devices that are already registered in the bank’s system. For example, if you need to pay a supplier or send a large amount to a relative, it is essential that the device you use is already registered and verified by your bank.

This means that, when changing your cell phone or purchasing a new device, you will need to register again before you can move larger amounts. These measures make the use of Pix safer, ensuring that only trusted devices can carry out higher value transactions.

Wrong Pix Scam: how it works and how to protect yourself

One of the most common frauds involving Pix is ​​the so-called “wrong Pix scam”. In this scam, the criminal transfers an amount to the victim’s account and then gets in touch saying that the transfer was made in error. He requests that the money be returned, but asks that it be made to a different account than the one that carried out the initial transaction.

What many do not know is that scammers also activate the Central Bank’s Special Return Mechanism (MED), which was created to facilitate the recovery of amounts sent in error. Thus, the victim ends up returning the amount manually once and then has the same amount withdrawn from their account by MED, leaving them at a loss twice.

To avoid falling for this scam, the Brazilian Federation of Banks (Febraban) advises that any return of amounts received in error should only be made to the same account that made the payment. Never send the money to a third account, even if the requester appears to be in desperation. If you have any questions, it is always safer to contact your bank directly before carrying out any transaction.

Other security measures for financial institutions

In addition to the new rules for unregistered devices, the Central Bank also ordered financial institutions to improve their fraud detection systems. This includes monitoring transactions and comparing values ​​with each customer’s profile.

If any suspicious activity is detected, such as transfers far above normal for that customer, the bank may block the transaction until a more detailed check is carried out.

Another important point is that financial institutions must provide clear guidance on how to avoid fraud. Therefore, it is essential that users pay attention to their bank’s official communications and follow the recommendations to ensure the security of their transactions via Pix.