Santander Announces Pix With Credit Card: Customers Will Be Able to Transfer Money and Pay in 12 Installments Using Their Credit Limit

Written by Ruth Rodrigues

Published on 30/08/2025 at 11:42

Santander irá lançar o Pix com cartão de crédito, permitindo transferências instantâneas e parcelamento em até 12 vezes. Saiba como usar, vantagens e impacto no mercado financeiro.

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Santander Will Launch Pix with Credit Card, Allowing Instant Transfers and Installments of Up to 12 Times. Learn How to Use It, Its Benefits, and Impact on the Financial Market.

Last Monday (25), Santander announced a news that promises to transform the way Brazilians use credit cards: Pix with credit card.

The feature will allow customers to make instant transfers using the credit limit, with the option for immediate payment or installments of up to 12 times.

Santander launches Pix with credit card, allowing instant transfers and installments of up to 12 times. Learn how to use it, its benefits, and impact on the financial market. — Image: AcordoCerto

The initiative will be gradually rolled out starting in September, reinforcing the bank’s digital strategy and the integration between credit and instant payments.

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How Does Pix with Santander Card Work?

The operation can be performed directly through the Santander app.

The customer must enter the recipient’s key and select the payment via credit card, defining the number of installments or even delaying the start of payment for up to three statements.

The transferred amount will be automatically added to the credit card bill, ensuring convenience and security.

Additionally, each operation generates a digital receipt, facilitating financial control.

The transaction will incur IOF and interest charges starting at 1.59% per month, but the bank believes that convenience and flexibility will compensate for the cost.

Santander’s Strategy with the New Service

According to Gustavo Santos, director of Cards at Santander, “this feature strengthens the card as a hub of financial solutions, and not just as a means of payment for purchases.”

The Payments director, Izabella Belisário, adds that this innovation combines two already established strengths: the speed of Pix and the flexibility of credit, strengthening the relationship with digital customers.

The bank expects that the launch will increase transaction volume and enhance its relevance in the payments market, establishing itself as a reference in innovation.

Benefits for Customers and Market Impact

The integration between Pix and credit card especially offers advantages for customers who need immediate liquidity without sacrificing payment flexibility.

Installments of up to 12 times increase access to short-term credit, making the service attractive for those seeking convenience and financial planning.

In a competitive landscape, banks such as Banco do Brasil and Bradesco already have similar solutions, but Santander bets on digital experience and usability as differentiators.

Experts state that the initiative can attract new customers and retain existing users, standing out in an increasingly digital and competitive market.

Installments, Security, and Convenience

Pix with Santander card allows the customer to choose how to pay for the transaction, tracking all stages through the app.

The combination of credit card and Pix creates an innovative resource capable of meeting the needs of modern consumers without compromising the security of transactions.

With this strategy, Santander seeks to consolidate the card as a comprehensive financial management tool, transforming payments and transfers into integrated and digital solutions.

Santander Announces Pix With Credit Card: Customers Will Be Able to Transfer Money and Pay in 12 Installments Using Their Credit Limit

Santander Will Launch Pix with Credit Card, Allowing Instant Transfers and Installments of Up to 12 Times. Learn How to Use It, Its Benefits, and Impact on the Financial Market.

How Does Pix with Santander Card Work?

Santander’s Strategy with the New Service

Benefits for Customers and Market Impact

Installments, Security, and Convenience

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Santander Announces Pix With Credit Card: Customers Will Be Able to Transfer Money and Pay in 12 Installments Using Their Credit Limit

Santander Will Launch Pix with Credit Card, Allowing Instant Transfers and Installments of Up to 12 Times. Learn How to Use It, Its Benefits, and Impact on the Financial Market.

How Does Pix with Santander Card Work?

Santander’s Strategy with the New Service

Benefits for Customers and Market Impact

Installments, Security, and Convenience

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