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Federal Revenue Service monitors PIX and financial transactions are now controlled. Understand how the new PIX rule works and what will change with its arrival.
In recent days, the announcement of new inspection rules by the Federal Revenue Service to monitor PIX has left self-employed workers, entrepreneurs and freelancers paying extra attention when declaring their earnings to the agency. Understand the new PIX rules and how they impact your future financial transactions.
Understand how to 'escape' the new PIX rule for financial transactions
The reality is that, starting in 2025, the Federal Revenue Service will monitor PIX, meaning that a greater number of financial institutions will be required to forward data on taxpayers' financial transactions to the agency. Therefore, if the amount in circulation is different from the amount declared, it may trigger an alert from the Tax Authorities.
That said, based on information from the G1 portal – from Globo, brings to light a decree from the Federal Revenue Service. Furthermore, the decree brings a new PIX rule into effect and warns workers to avoid the Malha Fina.
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In short, the source highlights that one of the most viable solutions for workers now that the Federal Revenue Service is monitoring PIX is to turn Individual microentrepreneur (MEI). The option is available to those who earn up to R$81 per year, that is, an average of around R$6.750 per month.
They must carry out one of the activities included in the category, which range from candy sellers and hairdressers to app drivers.
Furthermore, the great reality is that, in addition to facilitating the issuance of invoices, becoming an MEI also allows for simplified payment of taxes. In this way, INSS social security benefits are guaranteed, such as retirement, sickness benefit and maternity pay.
Understand what has changed now that the Federal Revenue Service monitors PIX
The Federal Revenue Service has received consolidated information from banks on taxpayers' financial transactions since 2003, when the Decred.
At the time, the focus was on credit card transactions. According to the IRS, technological developments and new business practices have led to the need to update the standard to cover other types of financial transactions.
Decred was replaced by the “e-Financeira” platform, created in 2015. Since then, traditional banks have been required to inform the Tax Authorities of the overall amounts moved monthly by taxpayers when the amounts, by type of financial transaction, are greater than R$2 per month per CPF and greater than R$6 per month per CNPJ.
Now, in addition to traditional banks, other institutions have been included in the obligation to pass on data on their customers' financial transactions to the Federal Revenue Service.
The new Pix rule also introduced a specification that transactions via PIX, debit cards, store cards and electronic currencies are now part of the operations and must be reported. In the sum of all transactions, for each type of financial operation, it must be greater than R$5 per month per CPF and greater than R$15 per month per CNPJ.
Will the new PIX rule be taxed?
The Federal Revenue Service monitors PIX, but the new rules do not imply the direct collection of any tax. According to the IRS, there is no taxation on PIX and there never will be, especially because the Constitution does not authorize a tax on financial transactions. The agency even issued a warning about a new attempted scam on the subject that is circulating on social media.
Criminals are approaching potential victims claiming that the IRS is allegedly charging fees on PIX transactions worth more than R$5, and are therefore asking for a bill to be paid. However, it is important to note that the IRS monitors Pix, but does not send charges or notices via WhatsApp, SMS or social media.
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