From January 1, 2025, only institutions authorized by the (BC) will be able to request membership in Pix, the instant payments system operated by the institution. The measure is part of Resolution No. 429, published this Monday (11), which aims to strengthen the security and transparency of the service.
Currently, the BC supervises financial institutions to ensure the stability of the National Financial System (SFN), including the authorization of operations based on the volume of financial transactions of each institution. Some companies, although not required to have this authorization, have been operating on Pix. Today, there are 867 active participants and another 80 in the process of joining the system.
For institutions that are already part of Pix, but do not yet have authorization from the BC, the resolution determines that an authorization request be filed. This request must be made according to the Pix membership period, with deadlines staggered until 2026.
Furthermore, companies that already participate in Pix, but are not authorized by the BC, will have to comply with a series of regulatory requirements while the authorization request is under analysis. From July 2025, these institutions must send accounting information and customer data to the BC. In January 2026, they will meet minimum capital requirements, with a net worth of no less than R$5 million.
These requirements, according to the Central Bank, seek to align the operation of these institutions with the level of supervision necessary for the security of instant payments, in addition to improving the monitoring of the financial system.
On November 1st, . The main change for individuals concerns the transfer limit. Transfers made from a cell phone or computer that are not registered by the user’s bank can be a maximum of R$200 per operation and R$1,000 per day. For higher value transactions, the devices must be registered in advance. The registration requirement only applies to new devices that have never been used to initiate a Pix transaction.
