Mais um banco digital, o Banco Nubank anunciou sua integração com o sistema de pagamentos instantâneos do Banco Central, o PIX.
Anunciado que nesta quinta-feira dia 03 de Setembro foi feita a liberação dos cadastros para os seus clientes.
Mais antes, se você é novo aqui no Viva o crédito, seja muito bem vindo! Aqui postamos diariamente, conteúdos sempre cheios de dicas para você que gosta deste mundo dos cartões de crédito, finanças e muito mais! Então continue nos acompanhando para não perder mais nenhuma novidade.

Chave do PIX
No comunicado, o Banco Nubank explicou que já será possível escolher qual chave o usuário usará no banco.
Assim, o cliente pode escolher entre usar seu CPF, e-mail e celular, ou todos esses dados para receber pagamentos pelo PIX no Nubank.
Os resultados sobre os pedidos de registro de chaves PIX serão informados pelo banco digital em 5 de outubro.
Essas chaves funcionam como uma identificação da conta do cliente. Portanto, para receber um pagamento só é necessário informar esta chave e não mais todos os dados da conta, como agência, número da conta e CPF.
A chave escolhida estará vinculada à conta do Nubank. Com isso, sempre que um pagador informar sua chave na hora de uma transação, o dinheiro era enviado para esta conta.
Embora registrar essa chave não seja obrigatório – já que o cliente poderá fazer um PIX mesmo usando os dados da conta – esta é uma maneira de simplificar todo o processo.
Quais chaves podem ser cadastradas pelo Banco Nubank ?
O Banco Nubank informou que será possível registrar quatro tipos de chaves PIX: CPF ou CNPJ; e-mail; número de telefone celular ou a chamada “chave aleatória”.
Trata-se de uma sequência gerada pelo próprio sistema do PIX que pode ser vinculada a uma conta. Essa chave se aplica para os casos em que o usuário não quiser compartilhar as outras informações por privacidade.
As pessoas físicas podem cadastrar um total de até cinco chaves por conta da qual seja titular. Já as pessoas jurídicas poderão registrar até vinte chaves, também por conta.
No entanto, não é possível registrar a mesma chave em mais de uma conta. Além disso, sempre que um cliente compartilhar sua chave PIX, a outra pessoa, no momento da transação, poderá ver seu nome completo, os seis dígitos do meio do CPF e a chave do cliente no Banco Nubank.
Sobre o PIX: fim de DOC e TED
O sistema de pagamentos instantâneos do Bacen permitirá transações durante 24 horas por dia, 7 dias por semana. As transferências e pagamentos são concluídos em até dez segundos e os custos serão muito mais baixos.
Para pessoas físicas, o PIX será gratuito, provavelmente culminando no fim do DOC e TED. Para pessoas jurídicas e estabelecimentos, haverá um custo, embora muito menor do que o atual.
Além das transferências, o sistema ainda permitirá o pagamento de contas e compras.
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