PIX taking a long time to be credited to your account? See what to do

Pix is currently the most widely used payment method among Brazilians, surpassing traditional credit and debit cards. However, while it offers numerous advantages, it can occasionally encounter some issues related to delays in processing the transfer.

Therefore, if you're having problems with your PIX account not receiving payment, it's important to know what to do to avoid any issues with your money.

Follow our article to learn what happens when PIX takes a long time to arrive in your account and how to solve this issue.

How long does it take for Pix to appear in my account?

According to guidelines established by the Central Bank, transfers via Pix must be credited to the recipient's account within 10 seconds, regardless of the day or time the transaction was initiated.

Because of this, under normal conditions, PIX deposits into your account within 1 minute! So, it's important to pay attention to this time.

While the vast majority of transfers are completed within this timeframe, delays of up to 1 hour are possible. However, if the delay exceeds this period, the issuing bank notifies the financial institutions involved in the process.

This additional time is reserved for the bank's security department to verify whether the transferred amount can be properly made available to the recipient or whether the amount needs to be returned to the source account. This step is important to ensure the integrity and security of transactions made through Pix.

How do I know if PIX has been credited to my account?

To check whether a Pix transaction has actually been credited to your account, you can follow a few simple steps:

• App confirmation screen: Check the confirmation screen in your bank or financial institution's app where you made the Pix transaction. Typically, after completing a transfer, you'll receive an immediate on-screen confirmation that the transaction was successful.
• Notification by text or email: Many banks and financial institutions send notifications by text message (SMS) or email informing you that the funds have been credited to your account. Check your messages or inbox to see if you've received any such notification.
• Check your bank statement: Access your account statement through the mobile app or online banking. Look for recent Pix transaction records and verify that the transferred amount is reflected in your balance or transaction history.
• Contacting bank support: If you're still unsure or don't see any visual confirmation or notification, contact your bank or financial institution's support team. They'll be able to provide accurate information about the transaction's completion and the current status of the funds.

Pix is taking a long time to reach my account. What could it be?

If you've made a Pix transfer and noticed that it's taking longer than expected to be credited to the destination account, it's important to remain calm and investigate the possible reasons for this delay.

Here are the main reasons why Pix can take a long time to arrive in your account:

Instability in the Pix system

In cases of technical instability in the instant payment system, transactions may be delayed. These situations are usually temporary and are usually resolved quickly.

Therefore, if it takes a while to receive your PIX, check whether the system is up or if there is any instability issue.

Instability in your bank's system

Issues with the system of the financial institution where you made the transaction can also cause delays in completing Pix. The bank may be experiencing a temporary system outage.

Therefore, check that the bank is operating normally before making a PIX again or checking whether the PIX money has arrived.

Internet connection problems

An unstable or weak internet connection can affect the processing speed of Pix transactions. Check your connection quality and, if necessary, try again in a more stable environment.

Some banking apps may experience internet connection issues, causing delays in sending or receiving PIX.

Problems with your cell phone

In some cases, the issue may be related to your mobile device. Make sure your phone is working properly, up-to-date, and has enough storage space for Pix transactions.

Also, check if the internet is working properly.

Other factors

It is important to note that the Central Bank defines a situation called “Pix in Processing” for cases where there is some inconsistency in the system and the transaction may take a little longer to complete.

In addition to these factors, for transactions involving higher values, the financial institution may need additional time to analyze the transaction and ensure security against possible fraud.

Finally, it's crucial to observe the bank's limit on amounts and times, which were established as a security measure following several cases of fraud involving Pix.

What should I do when Pix takes a while to arrive in my account?

When Pix is taking a long time to be credited to your account, you can take the following steps to resolve the situation:

Check transaction information

Make sure the information you provide is correct, such as the recipient's Pix key, CPF/CNPJ, account number, or email address. Incorrect information can cause delays or even send the transfer to the wrong person.

Therefore, the PIX did not go to the correct account and you will need to contact the person who received it to get it back.

Wait a reasonable amount of time

While Pix is usually instant, there may be momentary delays due to technical issues or system instability. Please wait a few minutes to see if the transaction is completed.

Generally, when the problem is related to instability, everything is resolved within a few minutes and the PIX is credited to the account.

Contact your bank's support

The Central Bank recommends waiting one hour. This period is for the PIX to be verified and to ensure it has actually been credited to your account. Generally, if the PIX hasn't been credited within an hour, a refund is automatically processed.

If the delay persists, we recommend contacting support at your bank or financial institution responsible for Pix. Report the incident, provide the transaction details, and request assistance resolving the issue. They will be able to check the transaction status and advise you on the next steps.

File a complaint with the Central Bank

If your bank's support doesn't resolve the issue, you can file a complaint with the Central Bank of Brazil. The regulatory body may intervene and assist in resolving the issue.

This way, you can analyze why PIX is taking so long to reach your account and solve your problem.

How do I know if I received a scheduled Pix?

One of the great advantages of the PIX system is scheduled PIX, where you can make the transaction by choosing the day the person will receive the money.

It may be that the PIX did not arrive because it was scheduled for another day.

To confirm that you received a scheduled PIX, you should contact the person who sent you the PIX and wait for them to send you the receipt. Scheduled PIX payments only appear on your statement on the day you receive them, just like any other banking transaction.

I sent a Pix and the person didn't receive it. Can I redeem it?

As we've been showing since the beginning of this article, it's possible that you'll use PIX and it may take a while to receive the money in your other account.

In this situation, you need to be a little patient, as the system itself will carry out the transaction and resolve the issue for you.

See what to do if the person doesn't receive the PIX sent to them:

• Make sure the data is correct and that you sent the PIX to the right person. If you sent it to the wrong person, you'll need to contact them to request a refund.
• If PIX did not enter, wait a few minutes, as it may be due to system instability.
• After one hour, if the PIX being processed has not been transferred to another account, you should receive a refund.
• If you do not receive it within this period, contact your bank so they can find a solution to your problem.
• If there is no solution, contact the Central Bank and competent bodies to file a complaint and solve your problem.

Frequently asked questions

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