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How to Pay Pix With QR Code Using Your Own Cell Phone: Step-by-Step Guide for Caixa, Itaú, and Other Banks

Written by Bruno Teles
Published on 08/09/2025 at 15:58
Dá para pagar um Pix usando um QR Code que está salvo no próprio celular — sem precisar de outro aparelho. Basta compartilhar a imagem do QR Code com o aplicativo do banco.
Dá para pagar um Pix usando um QR Code que está salvo no próprio celular — sem precisar de outro aparelho. Basta compartilhar a imagem do QR Code com o aplicativo do banco.
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According to Bruno Siqueira from the channel Simplificando Celular, it is possible to use Pix with QR Code directly from the phone’s gallery in banks like Caixa and Itaú.

Many users still believe that it is only possible to pay with a Pix with QR Code using the phone’s camera. However, when the code is in a photo, screenshot, or file received via WhatsApp or email, the process seems impossible. The good news is that there is a simple step-by-step guide that allows you to use the saved QR Code on the device itself, without needing another phone.

According to Bruno Siqueira, mobile technology expert and creator of the channel Simplificando Celular, some Brazilian banks, like Caixa and Itaú, already allow this feature. The trick is to share the image of the QR Code directly with the bank’s app.

Step-by-Step Guide to Use Saved QR Code on the Phone

The first step is to open the chosen bank’s app (for example, Caixa or Itaú) and leave it in the background.

Next, you need to access the phone’s image gallery, whether in Google Photos, iPhone Photos, or another app.

Then, just open the QR Code image, tap the “Share” button, and select the bank app.

If it does not appear on the list immediately, tap “More” to see all available apps.

The bank app will open already recognizing the QR Code as a Pix payment.

From there, just confirm the details and complete the transaction.

Banks That Accept It and Limitations

According to Bruno Siqueira, not all banks support sharing QR Code images.

Caixa and Itaú are among those that work correctly, allowing the payment to be completed conveniently.

In institutions like Santander, the app does not appear in the sharing list, which prevents direct reading of the image.

In such cases, the alternative is to use the Pix copy and paste code, usually available on the receipt or in the received message.

Practical Example in Tests

In tests conducted with Caixa’s app, the feature worked without difficulties.

When sharing the image with the app, it automatically identified the code and displayed the payment screen.

The same procedure was confirmed with Itaú’s app.

On the other hand, the feature was not available at Santander, confirming that the function depends on each bank’s policy and technology.

This shows that the solution is practical but not yet universal.

Advantages for Daily Life

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This method eliminates the need to have two devices to scan the same QR Code or to manually copy long alphanumeric codes.

It is especially useful for those who receive payment QR Codes via WhatsApp, social media, or email.

For Bruno Siqueira, the trend is that more and more banks will adopt this functionality, as it offers convenience and reduces errors in payments.

Thus, Pix continues to consolidate as the most practical and secure way to transfer money in Brazil.

In your opinion, should banks standardize support for Pix with saved QR Code on the phone to make users’ lives easier? Have you tried this feature and encountered limitations with your bank? Share your experience in the comments — we want to hear from those who have used this function in practice.

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Bruno Teles

Falo sobre tecnologia, inovação, petróleo e gás. Atualizo diariamente sobre oportunidades no mercado brasileiro. Com mais de 7.000 artigos publicados nos sites CPG, Naval Porto Estaleiro, Mineração Brasil e Obras Construção Civil. Sugestão de pauta? Manda no brunotelesredator@gmail.com

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