Although PIX is protected by advanced security layers and governed by laws such as the General Data Protection Law (LGPD), it is essential that users adopt good practices to avoid scams and fraud.
1. Do Not Click on Suspicious Links
E-mail, SMS and WhatsApp scams are common. If someone asks you to click on a link to confirm or make a PIX payment, be wary. All transactions should be carried out exclusively through your bank’s official app or website.
2. Verify That the Transfer Was Completed
PIX transactions are instantaneous. If the money does not arrive in the recipient’s account immediately, contact your bank through official channels.
3. Never Confuse Your PIX Key with Your Bank Password
The PIX key is used only to identify your account. Under no circumstances should you share your bank password with third parties, as this could allow unauthorized access to your account.
4. Avoid Using Public Networks to Make PIX Payments
Public Wi-Fi networks, such as those in malls or restaurants, are vulnerable to cyberattacks. Always use a secure connection, such as your home network or your mobile carrier’s data.
5. Close the App After Each Transaction
Leaving your banking app open in the background increases the risk of third-party access. Make sure to fully close it after every use.
6. Keep Your Apps and Phone Updated
Updates patch vulnerabilities and make apps more secure. Keep both your banking app and your phone’s operating system up to date.
Common Frauds Involving PIX
The increased use of PIX has also given rise to sophisticated scams. Here are the most common and how to avoid them.
Fake Support Scam
Criminals pretend to be bank or company employees to request personal information and passwords. Remember: no bank asks for passwords or sensitive data by phone or message.
QR Code Scam
Fraudulent QR Codes can redirect payments to third-party accounts. Always verify the recipient before completing the transaction.
Fake Offers Scam
Discounts or promotions requesting payment via PIX can be scams. Make sure the offer comes from a trusted source before paying.