Pix and Federal Revenue: What changes with the new rules?
Date: January 14, 2025
Recently, the Federal Revenue Service clarified changes related to Pix, debunking false information circulating on social media. According to a BBC report, the system will not be taxed or monitored daily. Learn what's new and how it affects users.
What has changed in Pix?
Although Pix transactions continue to operate normally, new rules have been established by the Federal Revenue Service. Normative Instruction RFB No. 2,219/24 adjusts obligations for banks and financial institutions, which must now report global transactions exceeding:
- R$5,000 per month for individuals.
- R$15,000 per month for legal entities.
Important: Only the total transaction amounts are reported, without details about the origin, destination or beneficiaries.
Context: Before these changes, other payment methods were already monitored by stricter criteria:
- Credit cards and deposits: Amounts above R$2,000 for individuals and R$6,000 for legal entities.
The IRS argues that the objective is to prevent taxpayers from being unfairly targeted, in addition to identifying suspicious transactions linked to financial crimes.
Will Pix be taxed?
No.
According to the Federal Revenue Service, there are no fees or taxes charged on Pix . The Constitution prohibits taxes on financial transactions, and no proposals currently under consideration in Congress include changes to this aspect.
Pix-related scams: How to protect yourself
With the new rules, scammers have been exploiting the issue to commit fraud. A common example is sending fake messages charging non-existent fees to avoid having CPFs blocked.
The IRS warns: "Be wary of messages requesting unexpected payments or personal information."
Tips to avoid scams:
- Do not click on unknown links or provide personal information in suspicious messages.
- Verify the authenticity of communications directly on the e-CAC Portal or on the official IRS website.
- Avoid opening attachments of dubious origin.
Will Pix be monitored daily?
No.
The Federal Revenue Service reaffirms that the system updates aim to combat financial crimes while preserving banking secrecy. Detailed data, such as who sent or received transactions, is not shared with the authorities.
According to the BBC report, monitoring occurs in cases of atypical financial movements, especially related to crimes such as money laundering.
Deadlines and obligations
Financial institutions must submit semi-annual reports on global transactions:
- August 2025
- February 2026
Failure to comply may result in fines, as per current legislation.
Conclusion
Despite the new rules, Pix remains a safe and practical tool, with no additional costs for users. The Federal Revenue Service emphasizes that the changes aim to improve the inspection system and ensure greater transparency, without harming ordinary citizens.
Sources:
- BBC Brazil
- BBC Brazil Article
- Federal Revenue