Pix has already become a common tool in Brazilians’ daily lives, a quick, easy and fee-free way to transfer or receive money. Caixa, like other banks, was not left out and also makes the tool available to its account holders. But unfortunately Pix has a value limit for transfer. Currently, Caixa’s Pix limit ranges from R$1,200.00 to R$60,000.00 depending on the account.
What this article covers:
What is Pix?
Officially released on October 5, 2020 and hosted by Brazilian central bank, Pix is a legal form of transfer, without fees and active 24 hours a day, every day of the week. To register, it is necessary to create a key that can be your e-mail, CPF, telephone or CNPJ.
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Each bank will need a different key for its registration, so that the same key does not lead to different results.
What are the box Pix limit types and how do they work?
If you have a bank account, with your pix active, it’s important to know the Pix da Caixa limit for your account, so you won’t be surprised to have your transfer denied at an important time. Your daily limit will depend on your account type, check it out.
For Internet Banking or App:
- 6:01 a.m. to 10:00 p.m.: BRL 5,000.00
- 10:01 pm to 12:00 am: BRL 3,500.00
- 00:01 to 06:00 BRL 1,500.00
For those who have the App validated at the ATM:
- 6:01 a.m. to 10:00 p.m.: R$30,000.00 (Individuals) and R$60,000.00 (Legal Entities)
- 10:01 pm to 12:00 am: BRL 3,500.00
- 00:01 to 06:00 BRL 1,500.00
Finally, for users of the Caixa Tem application:
- At all times: BRL 1,200.00 (Daily) and BRL 600.00 (Per transaction)
These are the daily and transaction limits that Caixa offers, be aware of the time and your limit so as not to miss out on any important transaction.
How do I increase the box’s Pix limit?
Know that it is also possible to increase the box’s Pix limit, for those who use the app, it is necessary to join the Mobile Forte program, if necessary, accept the contract directly through the app and then validate it at any ATM or at your agency.
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With Mobile Forte, your Pix limit is only increased for the validated cell phone, not valid at ATMs, ATMs or other phones.
To increase the limit after joining Mobile Forte, follow these steps:
- Access the Caixa App with your login and password
- Look for the option “passwords and settings” > “change limits” and “manage”
- Select “Increase Limits” and finally confirm
- Click “ok” and now you will need to go to an ATM to enable your cell phone.
If you want to enable your cell phone at an ATM, follow these steps:
- insert your card
- Search for “Mobile/Computer Unlock”
- Put your cell phone number and lastly, confirm.
After following these steps, your app will already be enabled for Pix transactions greater than your current limit. Remembering that this means only exists for cell phones and only works on a cell phone that is registered.
What are the consequences of exceeding the box’s Pix limit?
If you try to transfer an amount greater than your time limit, the transaction will be denied. However, if this happens many times simultaneously, the bank may contact you on suspicion.
In case of security, only increase your limit if it’s really necessary and try to avoid many Pix payments on the same day. Organize a payment schedule, be aware of schedules and limits and do not pass on personal information or banking access to other people.
How to avoid exceeding box Pix limit?
To prevent you from going over your limit, try to organize your payments, avoid very large transfers on the same day. Pay attention to the schedules and their limits so that even a smaller transaction is not blocked.
Remembering that it is possible to have more than one Pix using other banks and you can organize your current accounts to make transfers through more than one bank without exceeding each one’s limits.
Despite the tool being very simple and without fees, Pix can be misused by third parties and cases of fraud are happening. To avoid falling for any type, always be aware of the value received by your own application, do not accept receipt images as the only form of validation, as they can be tampered with.
Take advantage of the tool and make payments and transfers at any time, always respecting your limit and stay tuned for new features like Pix Troco and Pix Saque.
