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Pix on credit is an interesting option for those who need to make quick transfers but don't have any money available in their account. This function allows you to use your card's limit to make instant transfers, only paying later with the bill.
Although it's a convenient option, it's important to be aware of the fees charged by this type of pix. After all, some banks can charge high fees, up to 9.9% of the transaction value.
So it's important that you know which are the best options on the market. With that in mind, we've listed 5 banks that offer pix on credit with the best rates.
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5 banks with pix on credit
1. Nubank
Firstly, Nubank, one of Brazil's most popular digital banks, offers the option of pix on a credit card with a rate of 3.99% per month.
In other words, if you need to make a Pix of R$100, you'll have to pay R$103.99 on your credit card bill.
To use the pix for Nubank credit, simply access the applicationselect the "Pix Area" option and choose the "Credit Card" payment method.
You can Pix either using a Pix key or a QR Code.
Official website to find out more: click here
2. RecargaPay
RecargaPay is a digital wallet application that also offers the option of credit card pix.
For ordinary customers, the rate charged is 4.49%. Subscribers to the RecargaPay Prime+ plan pay a lower rate of 3.49%.
Making a pix on your RecargaPay credit card is simple: just select the "Send Pix" option in the app, choose your credit card as the payment method and set the number of installments.
3. Digio
Digio, another digital bank, allows its customers to use up to 40% of their credit card limit to make Pix.
In this case, the rate charged can be as high as 9.9% per month.
To use Pix for Digio credit, simply access the app, select the "Pay with Pix" option and choose the "Pay in installments with DigioCard" payment method.
4. BV
Banco BV also offers the option of pix on a credit card, with the difference that it doesn't charge interest.
However, you will have to pay the Financial Operations Tax (IOF), which varies between 0.38% and 0.011% per day.
To make a pix with your BV credit card, you can choose between three options: Pix transfer with key, manual Pix transfer or Pix QR Code payment.
5. PicPay
Finally, PicPay, the digital payment platform, also allows its customers to use their credit card to make pix.
In this case, the fee charged is 4.99% of the total value of the transaction.
To use pix on your PicPay credit card, simply have a card registered in your digital wallet, select the "Pix" option in the app and choose the "Balance + Card" payment method.
Is it worth using pix for credit?
Although pix with a credit card are a convenient option in emergencies, it's important to be aware of the fees charged.
Some institutions can charge high interest rates, which can end up creating more debt. That's why, whenever possible, it's best to use traditional pix, with the money available in your current account.
This way, you avoid paying additional fees and don't run the risk of getting into debt.
If you need to use the pix on credit, make sure the rate charged is compatible with your financial situation and have a plan to pay off the amount on the next card bill.
Also remember that during the period between 8pm and 6am, the total pix transfer limit is R$1,000, whether in a single transaction or adding up several. So plan your transfers in advance to avoid surprises.
And remember to research the available options well and choose the one with the best possible offer/rate.
See also how to check your vehicle's IPVA: here! Questions about pix on credit? Leave them in the comments below!
