Tips for not falling for scams with Pix: Learn how to prevent yourself

Charlie Taylor

Real-time money transfer service that works 24 hours a day, every day of the week and free of charge for individuals. This is the Pix that was launched in November 2020 and, even with all the facilities it brought to the market, it still causes some strangeness in the population, which also increases the number of blows involving the system. Shopkeepers (CNDL), in partnership with the Credit Protection Service (SPC Brasil), more than 12 million Brazilians have suffered some type of financial blow over the internet in recent years, which represents a loss of almost R ﹩ 2 billion only in fraud.


In the case of Pix, the alert is made by the Brazilian Federation of Banks (Febraban), which states that the scam attempts recorded with the system were reported by financial institutions and identified as phishing, which deceive victims into providing personal information and For Francisco Carvalho, CEO of Zipdin, techfin authorized by the Central Bank and operating through a 100% digital platform that aims to facilitate access to credit for companies and people, attention is essential when making any type of online operation. “With the digitalization of financial services, it is important to be aware. More and more people make purchases and payments through their smartphones or computers, but they don't know how to protect themselves from these scams. It is important to be careful with supposed messages sent by the bank, not to click on any link you receive and, mainly, to check the address of the website where you are inserting your data beforehand, ”says the executive.

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Thinking about helping to answer the main doubts and based on the information that Febraban recommends to the population, Carvalho listed below some important tips published by the Federation. Check out:Cloning of Whatsapp: in this type of scam, criminals send a message through the app pretending to be from companies in which the victim is registered. After that, they request the security code, which has already been sent by SMS by the application, stating that it is a registration update. With the code, they can replicate the WhatsApp account on another cell phone. From there, they send messages to the person's contacts, impersonating them, borrowing money by transfer via Pix. A simple measure to prevent WhatsApp from being cloned is to enable the “Two-step verification” option.Social engineering with WhatsApp: this is a more common type. The criminal chooses a victim, takes a photo of her on social networks, creates a new WhatsApp account and somehow manages to discover cell phone numbers from his contact list. After that, the thug sends a message to the victim's friends and family, claiming that he had to change numbers due to some problem. Then he asks for a transfer via Pix, saying he is in an emergency situation. The guideline is to be careful with the exposure of data on social networks, such as, for example, in sweepstakes and promotions that ask for the user's phone number.Fake bank or telephone exchange employee: here, the scammer contacts the victim posing as a fake employee of the bank or company with which the client has some kind of connection, offers help for the client to register the Pix key and induces him to make a bank transfer . Febraban warns that the customer's personal data is never actively requested by financial institutions, nor do bank employees call customers to do tests with Pix.Pix bug: this type of blow presents a “failure” when performing any activity in the electronic system. The Central Bank itself has already warned that there is no “bug” in Pix. Febraban points out that the customer should always be suspicious of messages that promise easy money and that arrive through social networks or e-mail. Just click here if you are already an investor.

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