Pix is an instant and free electronic payment method created by the Central Bank. In it, resources are transferred between accounts in a few seconds, at any time or day. In addition to being practical, this is a fast and secure system and can be carried out from a savings account, current account or prepaid payment account. Now, see how you can block Pix from a stolen cell phone.
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The Central Bank has been looking for different ways to find a way to prevent thieves from having access to customer accounts using Pix.
One of these actions was in 2021, when they created a limit during the night period, between 8 pm and 6 am, during which time it is only possible to transfer the amount of up to R$ 1 thousand. This measure was a way found by BC to avoid transactions between criminals, as the incidents happened precisely at this time.
Therefore, if your cell phone is stolen, one of the first initiatives to take is to call the bank and ask for the application and transfers to be blocked. With this, applications that have email information need to have their password changed quickly.
Finally, it is important to notify your cell phone operator that the device has been stolen. Thus, this can prevent scams via WhatsApp, which is when the thief uses the cell phone owner's number to ask for money for his contacts.
The Special Return Mechanism comes into play in cases of well-founded suspicion of fraud, whether they are identified actively by the institutions involved or when a user makes a Pix and soon after realizes that he was a victim of a blow.
When this type of situation occurs, it is necessary to register an incident report and immediately notify the institution through the official service channel, such as SAC or Ombudsman. In addition, in the Pix environment in bank applications, there is a direct link to the channel to be used to file the complaint.
