Central Bank issues announcement to PIX users on their mobile phones! CPFs from 0 to 9 affected!

Hey central bank Major changes to the rules announced pixelwhich will come into effect from November 1, 2024. These new measures aim to enhance the security of transactions made via mobile devices, such as mobile phones and tablets.

The main change states that mobile devices that have not been previously registered will have reduced limits for transactions via Pix. On new devices, which have never been used to initiate a Pix transaction, the maximum transfer value will be R$200, with a daily ceiling of R$1,000. For transactions exceeding these values, it will be necessary to register the device with the financial institution.

What does the central bank say about transactions via PIX?

These changes are aimed at reducing the potential for fraud, making it more difficult to use unregistered devices to carry out transactions. The central bank stressed that this measure is aimed at preventing the use of stolen or hacked devices by fraudsters.

In addition to the new mobile device rules, the central bank also ordered financial institutions to adopt additional security measures, including using advanced solutions to identify unusual transactions and periodically checking customers for fraud.

How will mobile devices be affected?

For those who use mobile devices to carry out transactions via Pix, the new measure imposes specific restrictions. If the device has never been used for a Pix transaction, the user will need to register with the financial institution to release amounts greater than R$200 per transaction and R$1,000 per day.

What additional security measures are there for Pix?

The central bank did not stop at the limits of value. Financial institutions will need to adopt new strategies to ensure user security:

• Use advanced solutions to identify atypical transactions.
• Conduct periodic customer checks to detect potential fraud.
• Detailed information for customers on how to avoid digital fraud.
• Differential treatment for customers with a history of fraud.

What is auto pixel?

Another new feature announced is Pix Automatic, which will be launched on June 16, 2025. This function will allow you to schedule recurring transfers without the need for repeated authorizations, thus increasing convenience for users.

How can customers protect themselves?

Account holders are advised to register their devices and monitor communications from their financial institutions to ensure they can continue to use Pix safely and efficiently. Furthermore, it is important to be aware of the new regulations and adjust your usage according to the recommendations to avoid any inconvenience.

Tips for Pix users:

1. Register your mobile devices with your financial institution in advance.
2. Pay attention to security communications from the bank.
3. Use only trusted and known devices to perform transactions.
4. Review your transaction log regularly to identify potential anomalies.
5. Avoid making transactions on public or unknown Wi-Fi networks.

With these new rules, the central bank seeks to increase users’ confidence in the PIX system, reducing risks and making transactions more secure.

How to implement PIX safely?

To perform PIX safely, follow these important tips:

Before the deal:

• Verify recipient details: Confirm the recipient’s full name, CPF or CNPJ before finalizing the transaction. If possible, contact the person to confirm the data.
• Use official apps and websites: Only make PIX through your bank’s app or website, or through trusted and well-known platforms.
• Beware of suspicious links and QR codes: Do not click on links received via SMS, email or social media, and be wary of QR codes of questionable origin.
• Keep your devices safe: Use antivirus and firewall software on your devices, and keep your operating system and applications up to date.
• Avoid public Wi-Fi networks: Do not perform PIX transactions on public Wi-Fi networks, as they may be unsecured and your data may be intercepted.

During the transaction:

• Value verification: Please carefully check the amount to be transferred before confirming the transaction.
• Use strong passwords: Create complex passwords, with uppercase and lowercase letters, numbers and symbols, and avoid using the same password on different services.
• Enable two-factor authentication: This extra layer of security requires an additional code, in addition to the password, to confirm the transaction.
• Be careful of messages and calls: Banks and financial institutions do not request your details over the phone or via messages. If in doubt, contact the institution through official channels.

After the deal:

• Keep the receipt: Keep proof of transaction in a safe place in case you need proof of payment.
• Monitor your account: Check your account statement regularly to identify any unauthorized transactions.

In case of fraud:

• Contact your bank immediately: Report the incident to your bank so that necessary action can be taken.
• Register a police report: Find the nearest police station and file a police report.

By following these tips, you will increase the security of your PIX transactions and protect your funds from fraud.