{"id":23741,"date":"2022-03-08T22:13:03","date_gmt":"2022-03-08T19:13:03","guid":{"rendered":"https:\/\/valorizei.com\/?p=23741"},"modified":"2025-04-04T13:43:43","modified_gmt":"2025-04-04T10:43:43","slug":"pix-e-gratuito-em-todos-os-bancos","status":"publish","type":"post","link":"https:\/\/valorizei.com\/en\/pix-e-gratuito-em-todos-os-bancos\/","title":{"rendered":"Is Pix free at all banks? Are there any fees?"},"content":{"rendered":"

Find out once and for all if Pix is free at all banks!<\/strong><\/p>\n\n\n\n

\n\n\n\n

Pix has several features that make it a modern and innovative payment method, but there is a very common question: is Pix free at all banks?<\/p>\n\n\n\n

Since November 2020, Brazilians have been able to count on this payment solution, which has revolutionized the way of making transfers and purchases in physical or virtual stores.<\/p>\n\n\n\n

However, some transactions may incur costs.<\/p>\n\n\n\n

To understand more about the system and find out when fees are charged, continue reading. We will explain everything about the subject.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

What is Pix?<\/strong><\/h2>\n\n\n\n

Pix is Brazilian instant payment.<\/strong><\/p>\n\n\n\n

Basically, it is a form of transfer designed by Central Bank (BC).<\/a> The main objective of the service, as the name suggests, is to be instantaneous and work 24 hours a day, 7 days a week.<\/p>\n\n\n\n

This means that even during holidays and weekends, people will be able to use Pix to make transfers, make purchases, among others.<\/p>\n\n\n\n

When making a transfer via Pix, the other person will receive the amount in a few seconds.<\/p>\n\n\n\n

\n\n\n\n

Is Pix free at all banks?<\/strong><\/h2>\n\n\n\n

For individuals and individual microentrepreneurs (MEI), Pix is free.<\/strong><\/p>\n\n\n\n

In other words, in these cases, all operations carried out are exempt from fees \u2013 except in two situations.<\/p>\n\n\n\n

There may be a charge if the funds are received as payment for the sale of a product or service or if the Pix transaction is completed via telephone contact or in person.<\/p>\n\n\n\n

For legal entities, sending and receiving fees are set by banks. This means that the Central Bank does not interfere in the fee schedules set by financial institutions.<\/p>\n\n\n\n

Therefore, if you are a corporate customer, there is no guarantee of free Pix, as banks choose the fees for transactions.<\/p>\n\n\n\n

\n\n\n\n

What are the transfer fees?<\/strong><\/h2>\n\n\n\n

Find out what fees financial institutions charge for sending and receiving Pix by legal entities:<\/strong><\/p>\n\n\n\n

\u2022 Bank of Brazil<\/strong>: 0.99% on the value of the shipment via Pix, with a minimum fee of R$1 and a maximum of R$ 10. Receipt via QR Code is subject to the same fee, although the maximum limit is R$ 140.<\/p>\n\n\n\n

\u2022 Itau Unibanco:<\/strong> 1.45% of the transaction value, with a minimum fee of R$ 1.75 and a maximum of R$ 9.60. Payments via Pix using Qr Code are free of charge.<\/p>\n\n\n\n

\u2022 Bradesco:<\/strong> 1.4% of the transaction value, with a minimum fee of R$ 1.65 and a maximum of R$ 9.<\/p>\n\n\n\n

\u2022 Santander:<\/strong> 1% of the transaction value, with a minimum fee of R$ 0.50 and a maximum of R$ 10.<\/p>\n\n\n\n

\u2022 Mercado Pago: <\/strong>The platform does not charge for transfers made by small sellers. However, there are fees for larger networks. In these situations, negotiations are specific.<\/p>\n\n\n\n

\n\n\n\n

What are the receiving fees?<\/strong><\/h2>\n\n\n\n

\u2022 Bank of Brazil:<\/strong> QR Code \u2013 0.99% of the transaction<\/p>\n\n\n\n

\u2022 Itau Unibanco:<\/strong> QR Code \u2013 up to 1,45% of the amount paid<\/p>\n\n\n\n

\u2022 Bradesco<\/strong> \u2013 1.4% of the transaction value<\/p>\n\n\n\n

\u2022 Santander<\/strong> \u2013 Static or dynamic QR Code: R$ 6.54; QR Code via checkout: 1.4% of the transaction value<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Which financial institutions do not charge fees?<\/strong><\/h2>\n\n\n\n

There are several banks and financial institutions that do not charge fees to business customers, such as:<\/p>\n\n\n\n

\u2022 Federal Savings Bank<\/p>\n\n\n\n

- C6 Bank<\/p>\n\n\n\n

- Inter Bank<\/p>\n\n\n\n

\u2022 Nubank<\/p>\n\n\n\n

- Picpay<\/p>\n\n\n\n

\u2022 Sicoob<\/p>\n\n\n\n

\u2022 Neon Bank<\/p>\n\n\n\n

- Original Bank<\/p>\n\n\n\n

\u2022 Linker<\/p>\n\n\n\n

\n\n\n\n

How to register for Pix?<\/strong><\/h2>\n\n\n\n

Now you know that for individuals (PF), Pix is free at all banks.<\/strong><\/p>\n\n\n\n

But after all, how do you register a Pix key?<\/p>\n\n\n\n

First of all, you need to know that Pix is not an application or a product from a specific bank.<\/p>\n\n\n\n

It is a payment method launched by the Central Bank.<\/p>\n\n\n\n

Therefore, you will not create a Pix or download a specific app to make instant transactions. After all, this payment method must be available in the app of the bank or fintech where you already have an account.<\/p>\n\n\n\n

This means that if you are not a customer of an institution that offers Pix, you will need to create a checking, savings or payment account at a bank that offers this tool.<\/p>\n\n\n\n

Register your Pix key on the institution's website, app or branch.<\/p>\n\n\n\n

The key can be your CPF\/CNPJ, email, cell phone number or a random key, which is a code randomly generated by the Central Bank to be linked to a single account.<\/p>\n\n\n\n

This key is basically the \u201caddress\u201d of your account. In other words, to receive a transfer via Pix, you no longer need to provide your account, branch or bank number.<\/p>\n\n\n\n

Now, just pass your Pix key and that's it! The other person will be able to transfer funds to your account.<\/p>\n\n\n\n

\n\n\n\n

What are the main functions of Pix?<\/strong><\/h2>\n\n\n\n

Pix is well known for having revolutionized the way of making online transfers.<\/strong><\/p>\n\n\n\n

When there were only TED and DOC, the transfer process was a little slower. In addition, fees were charged even for transfers between individuals.<\/p>\n\n\n\n

However, making transfers is not Pix's only feature.<\/p>\n\n\n\n

With this tool, you can make in-person purchases using QR Code, top up your cell phone and even pay your electricity bill.<\/p>\n\n\n\n

It is also possible to withdraw money in stores through two new features: Pix withdrawal and Pix Troco.<\/p>\n\n\n\n

\n\n\n\n

Pix withdrawal<\/strong><\/h3>\n\n\n\n

With Pix Saque, you can withdraw money from commercial establishments, without having to make the purchase there.<\/strong><\/p>\n\n\n\n

If you are interested, you must go to an establishment that offers the service and make a Pix for the amount you wish to withdraw in cash.<\/p>\n\n\n\n

\n\n\n\n

Pix change<\/strong><\/h3>\n\n\n\n

Pix change<\/a> It works in a similar way to Pix withdrawal.<\/p>\n\n\n\n

The difference is that here, you will purchase a product in the store using Pix.<\/p>\n\n\n\n

In other words, you will make the purchase by paying an excess amount and will receive the change in cash.<\/p>\n\n\n\n

For example, you buy a product R$ 40, but make a Pix of R$ 60 through the QR Code. In this case, the store will return R$ 20 to you in cash.<\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

Conclusion<\/strong><\/h2>\n\n\n\n

As you can see, for individuals (PF), Pix is free at all banks.<\/p>\n\n\n\n

Register a key today and enjoy all the features this tool has to offer!<\/p>","protected":false},"excerpt":{"rendered":"

Descubra de uma vez por todas se o Pix \u00e9 gratuito em todos os bancos! O Pix apresenta v\u00e1rias caracter\u00edsticas que fazem dele um m\u00e9todo de pagamento moderno e inovador, mas h\u00e1 uma d\u00favida muito comum: o pix \u00e9 gratuito em todos os bancos? Desde novembro de 2020, os brasileiros podem contar com essa solu\u00e7\u00e3o… Continue reading<\/a><\/p>","protected":false},"author":21,"featured_media":23742,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_seopress_titles_title":"%%title%% %%page%%","_seopress_titles_desc":"Descubra de uma vez por todas se o Pix \u00e9 gratuito em todos os bancos e saiba verificar se ira ter alguma tarifa ou n\u00e3o","_seopress_robots_index":"","_seopress_robots_follow":"","_seopress_robots_imageindex":"","_seopress_robots_snippet":"","_seopress_robots_primary_cat":"","_seopress_robots_breadcrumbs":"","_seopress_robots_freeze_modified_date":"","_seopress_robots_custom_modified_date":"","_seopress_robots_canonical":"","_seopress_social_fb_title":"","_seopress_social_fb_desc":"","_seopress_social_fb_img":"","_seopress_social_fb_img_attachment_id":0,"_seopress_social_fb_img_width":0,"_seopress_social_fb_img_height":0,"_seopress_social_twitter_title":"","_seopress_social_twitter_desc":"","_seopress_social_twitter_img":"","_seopress_social_twitter_img_attachment_id":0,"_seopress_social_twitter_img_width":0,"_seopress_social_twitter_img_height":0,"_seopress_redirections_value":"","_seopress_redirections_enabled":"","_seopress_redirections_enabled_regex":"","_seopress_redirections_logged_status":"","_seopress_redirections_param":"","_seopress_redirections_type":0,"_seopress_analysis_target_kw":"pix \u00e9 gratuito em todos os bancos","footnotes":""},"categories":[9],"tags":[],"class_list":["post-23741","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-educacao-financeira"],"_links":{"self":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23741","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/users\/21"}],"replies":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/comments?post=23741"}],"version-history":[{"count":5,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23741\/revisions"}],"predecessor-version":[{"id":28144,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/posts\/23741\/revisions\/28144"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media\/23742"}],"wp:attachment":[{"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/media?parent=23741"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/categories?post=23741"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/valorizei.com\/en\/wp-json\/wp\/v2\/tags?post=23741"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}