O pix will go through changes once again. From January onwards, the Central Bank (BC) will only maintain the limit per day or night, leaving aside the limit per transaction, in order to simplify the platform’s security tools. The entity also raised the restriction for withdrawals through the pix loot and pix change.
This is yet another change to the Pix limits that the BC determined the restriction of BRL 1 thousand in the night period.
According to Normative Instruction 331only time limit will remain standing.
This means that, when adjusting the limits, users will only have to choose the maximum amount to transfer during the day, from 6:00 am to 8:00 pm, and at night, from 8:00 pm to 6:00 am.
With the change, it will not be necessary to point out a ceiling for individual transactions. On the other hand, users must pay attention to the amounts authorized per period so as not to reach the ceiling with a single payment.
The night time offer will also be less rigid. According to BC’s determination, “participants may, at their discretion, offer functionality so that the end user can request that the night period includes the period between 22:00 and 06:00”.
Currently, the night period defaults to starting at 8 pm.
These measures will come into effect on January 2, 2022.
Flexibility helps, but caution must be exercised
This Thursday (29), Marcelo Godke, a lawyer specializing in banking law and capital markets, highlighted the benefits of simplifying the platform. But he warned: flexibility is one of the positive points, but users must be careful and attentive when managing the limits to avoid risks.
The alert is linked to known issues after the mobile theft and theft. After all, if the bank account has a high limit, criminals with improper access to the account will be able to withdraw large amounts without difficulty.
Therefore, it is important adjust pix limit just for the necessary, without increasing it excessively. Especially when considering that banks do an analysis before releasing the change or ask to go to the ATM to confirm the request.
In some cases, the change takes 24 hours to 48 hours to take effect.
“It is worth remembering that sending money via Pix does not have a chargeback, as a rule. Therefore, the user needs to be more cautious”, he highlighted.
BC raises Pix Saque and Pix Exchange ceiling
The Central Bank instituted another Pix change that will be applied from January. It is the limit of Pix Loot and Pix Changewhich will have a considerable increase.
Check out:
- Daytime: from BRL 500 to BRL 3 thousand;
- Night time: from BRL 100 to BRL 1 thousand.
That way, users will be able to deal with greater values when transacting with money through Pix.
https://tecnoblog.net/noticias/2022/12/29/pix-tera-apenas-limite-por-horario-veja-o-que-vai-mudar-a-partir-de-2023/