New PIX rules in 2025: understand the limits and impacts

Since November 2024, the Central Bank and the Federal Revenue Service have implemented important changes in the use of Pix and in the monitoring of financial transactions. The updates aim to increase security, make scams harder, and improve the monitoring of financial movements in the country.

What has changed in Pix?

1. Value limitation: Payments made via unregistered devices in banking apps are limited to R$ 200 per transaction.

2. Daily limit for recent devices: Even for registered devices, the maximum daily limit is R$ 1,000 if the device has been recently authorized by the user.

3. Mandatory device registration: To avoid limitations and ensure security, it is essential to register your devices in banking apps.

These measures were created to protect users from scams, especially those based on social engineering, where criminals try to induce people to make transfers or provide confidential information.

Monitoring by the Federal Revenue Service in 2025

Starting January 2025, Instruction No. 2,219/2024 is in effect, which expands the monitoring of financial transactions by the Federal Revenue Service. This measure now includes Pix and credit card operators, with specific obligations to report transactions.

Who will be monitored?

• Traditional financial institutions, digital banks, credit card operators, payment platforms, and retailers offering financial services, such as card issuance and transfers.

What amount will be monitored?

• For individuals: transactions totaling more than R$ 5 thousand monthly.

• For legal entities: transactions above R$ 15 thousand monthly.

Furthermore, if the taxpayer makes several smaller transactions that, together, exceed these amounts in a month, the information will also be passed to the e-Financeira system, integrated with Sped (Public Digital Accounting System).

How will the information be sent?

• By the last business day of August: data from the first half.

• By the last business day of February: data from the second half of the previous year.

The Federal Revenue Service emphasized that these measures aim to enhance monitoring, combat tax evasion, and strengthen international cooperation.

Do the new PIX rules create a tax?

No. The Federal Revenue Service clarified that the rules do not represent the creation of new taxes or levies on the use of Pix. The changes aim to improve the management of tax risks and adhere to the existing banking and tax secrecy regulations.

What else to expect from Pix in 2025?

In addition to the new security and monitoring rules, the Central Bank is developing features that promise to further transform the use of Pix:

• Automatic Pix: will allow for the scheduling of recurring payments, such as water, electricity bills, and subscriptions.

• Contactless Pix: from May 2025, it will be possible to make payments via contactless using cell phones, similar to contactless cards. Some institutions, such as C6 Bank, PicPay, and Itaú, are already testing or offering the feature on a limited scale.

How to ensure security in financial transactions?

To protect your finances and avoid setbacks with the new rules, it is essential to:

• Register devices in the bank's app.

• Keep track of the transactions made, observing monthly limits.

• Relying on modern financial solutions, like those offered by Beorange, can help your company adapt to these changes efficiently and securely, optimizing the management of your financial operations.

With these measures, Pix remains a practical and secure tool, adapted to the demands of 2025 and the new challenges in the financial sector.