Pix generates savings of R$117 billion for companies in 5 years.

Pix significantly boosts savings for businesses and consumers.

The Pix payment system has provided direct savings of R$117 billion to Brazilian companies and consumers over the past five years. In 2025 alone, from January to September, R$38.3 billion has already been saved — an amount greater than that recorded for the entire year of 2024, which was R$33 billion.

Factors that drive the economy

According to a survey by the Brazilian Competitive Movement (MBC), this savings is a result of the reduction in available electronic transfers (TEDs) and the growing migration of transactions between individuals and companies to Pix, which has a significantly lower fee than traditional options.

Impacts and perspectives for the system

MBC highlights that the growth in Pix adoption shows a solid trend and that the gains obtained by replacing traditional methods tend to stabilize. This scenario reinforces the need for modernization and preparation of the system to guarantee a new cycle of efficiency in the digital financial sector.

Experts point out that, in addition to reducing costs for businesses and consumers, the spread of Pix has a positive impact on market competitiveness, speeding up transactions and facilitating financial flow.

Importance to the business environment

The savings generated by Pix also stimulate the business environment in Brazil, reducing operational costs and improving companies' liquidity. These factors can positively influence the productivity and investment capacity of organizations.

National economic context

Meanwhile, the country continues to face challenges such as the reduced GDP growth projection for 2025, now estimated at 2.21% by the Treasury, and the pursuit of improvements in the competitiveness of foreign trade, especially through negotiations to reduce tariffs on Brazilian products in the United States.

Photo by SumUp on Unsplash