BCB Resolution No. 136 of September 2, 2021, amending Resolution BCB No. 19 of October 1, 2020, regarding fee collection for services within the Pix instant payment arrangement and payment initiation services

RESOLUTION BCB
NO. 136, OF SEPTEMBER 2, 2021

Amends Resolution BCB No. 19, of October 1, 2020, which provides for the collection of fees from clients for the provision of services within the framework of the instant payment arrangement established by the Central Bank of Brazil (Pix) and for the provision of the payment transaction initiation service within payment arrangements.

The Collegiate Board of the Central Bank of Brazil, in a session held on August 24, 2021, based on arts. 9, items I, II, X and XIII, and 15 of Law No. 12,865, of October 9, 2013, and having regard to the provisions of art. 3 of Resolution No. 4,282, of November 4, 2013, and art. 3, § 5, item I, letter "e", of Resolution BCB No. 1, of August 12, 2020,

R E S O L V E :

Art. 1º Resolution BCB No. 19, of October 1, 2020, shall enter into force with the following amendments:

"Art. 3º ............................................................................................................

I - sending of funds, for the purposes of:

a) transfer;

b) purchase; and

c) withdrawal or change, up to a limit of eight transactions per month; and

II - receipt of funds, for the purpose of transfer.

§ 1º The prohibitions regarding the transactions referred to in letters "a" and "b" of item I of the main text do not apply to transactions carried out through the institution's face-to-face or personal service channels, including the voice telephony channel, when electronic means are available for their execution.

§ 2º The limit referred to in letter "c" of item I of the main text:

I - may be deducted from the number of free withdrawals made during the month outside the scope of Pix, up to the limits provided for in the regulation on the collection of fees referred to in art. 2º, when applicable;

II - must be considered for each deposit account or prepaid payment account, regardless of the number of holders;

III - is not cumulative for the following month; and

IV - corresponds to the sum of transactions for sending funds for the purposes of withdrawal and change." (NR)

"Art. 4º ............................................................................................................

I - natural person, including individual entrepreneurs, as a result of:

a) receipt of funds, for the purpose of purchase; and

b) sending of funds, for the purposes of withdrawal or change, observing the limit referred to in letter "c" of item I of the main text of art. 3º and the provisions of item I of § 2º of art. 3º; and

................................................................................................................" (NR)

"Art. 4º-A The value of the fee for the service of sending funds, for the purposes of withdrawal or change, within the scope of Pix, including when included in a service package, may not be higher than the value of the fee related to the provision of the withdrawal service by other forms made available by the institution holding the client's account, considering the lowest individual fee provided for in the tables published by the institution." (NR)

" Art. 7º ............................................................................................................

.........................................................................................................................

Sole paragraph. For the purposes of the provisions of item I, if the incidence of a fee cannot be determined at the time of providing the service of sending funds for the purposes of withdrawal or change, within the scope of Pix, due to the provisions of item I of § 2º of art. 3º, the receipt must inform the value of the fee subject to collection." (NR)

"Art. 7º-A For the purposes of the provisions of arts. 3º and 4º, the definitions provided for in the Pix Regulation regarding the purposes of transfer, purchase, withdrawal, and change shall be considered." (NR)

"Art. 7º-B The institution must provide clients with the necessary information for the purpose of understanding the fee collection system for the provision of the service of sending funds for the purposes of withdrawal or change, within the scope of Pix, including the rules referred to in item I of § 2º of art. 3º." (NR)

Art. 2º The following are revoked:

I - the sole paragraph of art. 3º of Resolution BCB No. 19, of 2020; and

II - art. 1º of Resolution BCB No. 30, of October 29, 2020.

Art. 3º This Resolution enters into force on November 1, 2021.

Otávio Ribeiro Damaso
Director of Regulation