Since the 5th of this month, Brazilians can register their personal information – such as CPF, CNPJ and telephone number – as identification keys for use in Pix, a new payment system created by the Central Bank of Brazil (BCB). Such registration, however, which should be optional, is apparently being done automatically by some Brazilian institutions – more specifically, by Nubank and Mercado Pago.
According to several complaints published on Twitter and Reclame Aqui, fintechs are registering their users’ personal data as Pix keys without their own consent, which disrupts the lives of Internet users if they want to use the system at another bank – after all, a key can only be used at a single bank, and, once registered at bank X, it is necessary to request portability to bank Y.
Interestingly, the complaints arose two days after the release of the first official BCB census regarding the registration of Pix keys. According to the regulator, 33.7 million keys have been registered since the registration process began, with Nubank (with 8 million) and Mercado Pago (with 4) leading the ranking with the largest number of keys , 7 million).
To give you an idea, fintechs are gaining handsomely from more “traditional” institutions, such as Bradesco (3.7 million), Caixa (2.4 million) and Banco do Brasil (2.1 million). It is also strange that, at the end of the list, there are other “tech” brands including Inter (889 thousand), Original (523 thousand) and C6 Bank (only 335 thousand keys). If automatic registration is true, we already know how the two fintechs lead the ranking.
Sought by the media, both Nubank and Mercado Pago denied the practice and guaranteed to have issued only automatic reminders suggesting optional registration. In an official note released on Thursday afternoon (15), the BCB stated that “it continuously monitors and supervises the process of registering Pix keys, having already started formal processes for inspecting participants”.
According to the agency, “if it detects irregularities in these processes, including any improper registration, the Central Bank will punish violators under the terms of the current regulation”.
Aconteceu comigo...— Christian Lima (@XtianSL) October 10, 2020
Fui cadastrar o PIX usando o CPF no Itaú e recebi a notificação de que já estava sendo usado em outro banco!
Posteriormente descobri que o Mercado Pago havia cadastrado meu CPF sem minha autorização...
Só "descadastrei" e deixei pra lá...
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