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Federal Revenue Monitors PIX And Financial Movements Now Have To Be Controlled. Understand How The New PIX Rule Works And What Will Change With Its Arrival.
In recent days, the announcement of new oversight rules where the Federal Revenue monitors PIX has left self-employed workers, entrepreneurs, and freelancers paying extra attention when declaring their earnings to the agency. Understand the new PIX rule and how it impacts your future financial transactions.
Understand How To ‘Escape’ The New PIX Rule For Financial Transactions
The harsh reality is that, starting in 2025, the Federal Revenue monitors PIX, thus a greater number of financial institutions will be required to pass on to the agency data regarding taxpayers’ financial movements. Therefore, if the circulating amount is different from what is declared, it may trigger an alert from the tax authorities.
In light of this, based on information from the G1 portal – Globo, it brings to light a decree from the Federal Revenue. Furthermore, the decree introduces a new PIX rule in force that acts as a warning for workers to escape the “fine mesh”.
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While Brazil pays a minimum wage of R$ 1,621, in Switzerland, Germany, France, and Belgium it reaches R$ 28,000, and Europe exposes the difference in workers’ earnings.
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Low-wage workers are losing their PIS/Pasep without even realizing it because the government changed the adjustment rule, and anyone who receives any salary increase may lose eligibility for the benefit.
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The end of a classic document caused a short circuit in the Receita Federal, and now over 1 million tax returns are stuck in the Income Tax audit due to errors that are not the taxpayers’.
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A company that produces clothes for some of the world’s biggest brands invested R$ 14 million in Blumenau and will jump from 150 thousand to 450 thousand pieces per month in SC.
In short, the source highlights that one of the most viable solutions for workers now that the Federal Revenue monitors PIX is to become a Individual Microentrepreneur (MEI). This option is available to those earning up to R$ 81 thousand per year, which is about R$ 6,750 per month.
They must engage in one of the activities classified within the category, ranging from candy sellers and hairstylists to app drivers.
Moreover, the reality is that, besides facilitating the issuance of invoices, transforming into an MEI also allows for simplified tax payments. This guarantees social security benefits from the INSS, such as retirement, sick pay, and maternity leave.
Understand What Has Changed Now That The Federal Revenue Monitors PIX
The Federal Revenue has been receiving consolidated information from banks about taxpayers’ financial movements since 2003, when the Decred was established.
At that time, the focus was on credit card transactions. According to the Federal Revenue, technological evolution and new commercial practices brought the need to update regulations to cover other types of financial operations.
The 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 total amounts monthly transacted by taxpayers when the amounts are, per type of financial operation, greater than R$ 2 thousand monthly per CPF and greater than R$ 6 thousand monthly per CNPJ.
Now, in addition to traditional banks, other institutions have been included in the obligation to report financial movements of their clients to the Federal Revenue.
The new PIX rule also specifies that transactions via PIX, debit cards, store cards, and electronic currencies are now part of the operations and must be reported. The total of all transactions, for each type of financial operation, must be greater than R$ 5 thousand monthly per CPF and greater than R$ 15 thousand monthly per CNPJ.
Will The New PIX Rule Have Taxation?
The Federal Revenue monitors PIX, but the new rules do not imply any direct tax charges. According to the Federal Revenue, there is no taxation on PIX and there will never be, especially since the Constitution does not authorize taxes on financial transactions. The agency even issued a warning about a new attempted scam on the subject circulating on social media.
Criminals are approaching potential victims claiming that there is a supposed tax charge by the Federal Revenue on transactions via PIX over R$ 5 thousand and, therefore, requesting that a boleto be paid. However, it is important to state that the Federal Revenue monitors PIX, but does not send charges or notifications via WhatsApp, SMS, or social media.
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