Since its launch in 2020, the pix has been increasingly consolidated as a bank transfer system. However, with the dissemination of new tools, many people are beginning to wonder if the service will no longer be free.
Read more: If you haven't adjusted the pix limit yet, find out how
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Pix has provided numerous benefits for Brazilians, such as, for example, increasing market competitiveness, encouraging electronics, promoting financial inclusion and much more. Another very important point about the tool is that there is no minimum value for transfers, that is, it is possible to carry out transactions from R$ 0.01.
So far, we have no official information on the subject in question, which would be the charge for the service. The Central Bank, moreover, defended the idea that Pix should continue in the way it is today, free for use by all citizens.
The Central Bank is also considering launching new tools for using the service, check out:
- Guaranteed Pix (launch confirmed for 2023);
- Approximation payment;
- International coverage;
- Automatic debit.
The system already has two different modes of use, namely Pix Saque and Pix Troco, announced in November 2021 by the Central Bank. In these two cases, the offer of the service is chosen by the establishment itself, where the times for the functions are also at the discretion of the place. This is because the modalities have a maximum limit of transactions that vary according to the time of day, for example, BRL 500 for daytime use and BRL 100 for night use, more specifically between 8 pm and 6 am.
pix loot
Pix Saque provides any customer with the opportunity to withdraw money in cash at places that offer the service, which can be a commercial point or an ATM network, for example. For the looting to be done, just make a Pix, either by QR Code, bank app or to the looting agent.
pix change
Pix Troco, which is very similar, allows the customer to withdraw money in kind after making purchases at establishments. Thus, the Pix is made in the amount of the purchase + the extra value for withdrawal, which would be the change. According to BC data, the two functions had more than 290 thousand transactions between December 2021 and March 2022.
Installment on Pix
Even if installments on Pix have not yet been made official by BC, it is already a reality within some institutions such as Santander, Mercado Pago and PicPay for their customers. To pay in installments, simply choose the amount and the number of installments you want. However, it is important to be aware, as the modality is similar to a loan, and therefore interest will be charged on the operation.
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