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Central Bank Security Measures Will Limit Transfer Amounts via PIX Made on Unregistered Devices to Protect Users from Fraud.
If you’re thinking about changing your phone, prepare for more than just a change in screen size or camera quality. The real surprise may be in payments via PIX. This is because the Central Bank decided to adopt new security rules that will directly impact transfers made on devices that have not yet been registered with the bank. And believe me, this is a change you will want to understand before you find yourself unable to make a transfer above R$ 200 in the middle of the night.
The Central Bank, in yet another effort to combat fraud involving PIX, announced a series of changes that will affect users making payments through devices that are not previously registered to their bank accounts. Starting November 1 of this year, anyone changing their phone or accessing the system via an unregistered computer may have their transfers limited. This applies to both smartphones and new computers.
The Goal, According to the Central Bank, Is to Prevent Criminals from Causing Significant Damage
The main novelty is that the maximum amount that can be transferred through these devices will be only R$ 200. The daily limit cannot exceed R$ 1,000. The goal, according to the Central Bank, is to prevent criminals from causing significant harm in cases of fraud while the customer regularizes the situation with their new device.
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These changes in payments via PIX are part of a larger effort to increase security in a system that, despite revolutionizing instant payments, has also attracted the attention of scammers. Since PIX is available 24 hours a day, including at night and on weekends, criminals have found new ways to exploit the speed of the service to steal money from their victims. The difficulty in recovering transferred amounts makes the scenario even more critical.
Security Measures That Banks Must Adopt
In addition to the changes for customers, the Central Bank has also mandated that financial institutions implement new risk management solutions. This includes creating mechanisms capable of identifying atypical or profile-outside PIX transactions. Institutions must also provide information on how to avoid fraud through easily accessible channels for users, reinforcing the role of financial education and awareness about scams.
Another relevant point is that, every six months, banks must check if their customers are marked for fraud in the Central Bank’s databases. These measures aim to ensure that operations through PIX remain secure and minimize the impact of criminal actions.
How to Register the New Phone for PIX
If you’re thinking about changing devices, the process to continue using PIX without restrictions is simple. The Central Bank recommends that the new device be registered with the bank before being used to make transfers. This can be done at an ATM or directly through the financial institution’s app. Starting in November, additional layers of security will need to be implemented by banks, ensuring that the new phone truly belongs to the account holder.
The changes in payments via PIX bring more security but require attention from customers. After all, no one wants to be unable to make a last-minute transfer, whether to pay for that weekend dinner or split the bill for a trip.
And now, what do you think? Are these Central Bank security measures for PIX sufficient to protect users, or do you believe that limits on transfers will cause more frustration than protection?
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