Pix has already generated R$117 billion in savings for companies.

Pix, the Central Bank's instant payment system, has already generated direct savings of R$ 117 billion for Brazilian companies and consumers since its launch five years ago. The data comes from a survey by the Movimento Brasil Competitivo (MBC), released this Monday (17).

Growing economy in 2025

Between January and September 2025, the amount saved reached R$ 38.3 billion, exceeding the total for the entire year of 2024, which was R$ 33 billion. The main factor behind these savings is the migration of traditional transactions, such as TEDs and debit cards, to Pix, which has significantly lower fees.

Impact on businesses and consumers

• Cost reduction in transfers and payments;
• Greater operational efficiency for companies;
• Reduced reliance on traditional payment methods;
• Encouraging the modernization of financial processes.

According to MBC, the result is driven by the consistent drop in TED (Electronic Funds Transfer) fees and the growing adoption of Pix in peer-to-peer (P2B) transactions. The study highlights that, although the pace of economic growth may stabilize in the coming years, the system has already consolidated its strength as a tool for efficiency and modernization.

Next challenges

Despite the gains, experts point out that the system needs to prepare for a new cycle of efficiency and modernization, especially with the increase in transaction volume and the need to ensure security and accessibility for all user profiles.

Photo by Pete Bread on Unsplash