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Money on the Table explains budgeting, cards, credit, debt, banks, and Pix to help you understand costs, rules, and choices before deciding.

Dois celulares ao lado de uma maquininha de pagamento, com símbolo de aproximação, QR Code e tela de Pix Copia e Cola sobre um balcão.

Banks, Pix and Payments28/09/2026

Contactless Pix, QR Code and Copy and Paste: authorization and security explained

Learn how contactless Pix, QR Code and Pix Copy and Paste differ in payment initiation, authentication and review, including the limit change taking effect on October 1, 2026.

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Pessoa consulta aplicativo bancário que separa saldo em conta em verde e cheque especial em alerta laranja, com extrato e cartão sobre a mesa.

Cards & Credit21/09/2026

Overdraft shown as balance: how to separate your money from the credit limit and understand the cost

Learn why Brazil's cheque especial overdraft can appear next to the account balance, how to identify your own funds, when the limit starts being used and how interest applies.

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Boleto bancário sendo conferido com lupa ao lado de celular que mostra dados do pagamento e alertas visuais de segurança.

Scams and Security21/09/2026

Fake boleto: how to verify the beneficiary, bank and amount before paying

Before confirming a Brazilian boleto payment, compare the details shown by your bank with the charge you expect. Use this quick checklist to verify the source, beneficiary, destina...

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Mãos analisam um contrato de crédito com lupa, ao lado de painéis que comparam juros, CET, parcelas e custo total, um celular com anúncio de juros baixos e uma calculadora.

Cards & Credit21/09/2026

CET or interest rate: why cheaper credit in an ad can cost more in the contract

Learn how interest, CET, installments, and total cost relate, and compare credit offers without confusing the advertised rate with the final price.

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Pessoa confere no celular dois lançamentos pendentes do mesmo supermercado ao lado de cartão e comprovante.

Cards & Credit14/09/2026

Purchase appeared twice on your card: preauthorization, duplicate charge and when to dispute

Learn how to tell a temporary authorization hold from a duplicate charge, what to check in the app, and when to request a reversal or file a dispute.

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Mão aproxima cartão preto de uma maquininha que exibe um X vermelho de pagamento recusado sobre balcão de madeira.

Cards & Credit14/09/2026

Card declined with available credit: security block, per-purchase limit or terminal failure?

Learn how to distinguish a security block, a card-specific limit and a terminal failure before retrying a declined purchase.

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Mãos segurando smartphone com tela de Pix em processamento, lista de status e relógio ao fundo sobre uma mesa.

Banks, Pix and Payments14/09/2026

Pix payment processing: how to tell whether money left your account and when not to send it again

Learn how to read a Pix status, check whether your account was debited, know when to wait, and avoid making a duplicate transfer.

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Mãos segurando um smartphone com interface de autorização do Open Finance, ícones bancários conectados, calendário marcado com 3 dias úteis e ampulheta sobre a mesa.

Cards & Credit12/09/2026

Open Finance credit portability: what the 3-business-day deadline means and what changes in November 2026

The three-business-day deadline applies to one stage of the Open Finance information exchange, not the entire journey. See the flow, current scope and planned November expansion.

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Mão aproxima celular com Pix de uma maquininha, ao lado de referência ao teto de R$ 500 riscado e controles de limite por transação e por dia.

Banks, Pix and Payments11/09/2026

Contactless Pix after October 1, 2026: the R$500 cap ends, but which limits will apply?

From October 1, contactless Pix loses its specific R$500 cap but remains subject to the account’s general limits and the institution’s rules.

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Capa gráfica sobre novas regras do Pix com smartphone exibindo contestação, anexos e comprovantes, escudo de segurança e calendário de 1º de março de 2027, com Brasília ao fundo.

Banks, Pix and Payments10/09/2026

Pix in 2027: what changes for scam disputes, receipts and transaction records on March 1

Pix version 7.4 reshapes the MED dispute journey, adds evidence uploads, guides ineligible cases and changes payment receipts from March 1, 2027.

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Globo azul sobre uma mesa com setas luminosas de transferências internacionais, símbolos de moedas, smartphone com mapa, passaporte e cédulas.

Banks, Pix and Payments09/09/2026

International payments change on October 1: how Brazil's new eFX rules affect customers and fintechs

Learn who may provide eFX, the authorization deadlines, segregated-account rules, new reporting duties, and what changes for customers and fintechs from October 1, 2026.

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Mulher preocupada olha o celular diante de um atendente, com ícones mostrando dinheiro enviado ao destinatário errado e uma seta de devolução.

Banks, Pix and Payments08/09/2026

Sent Pix to the wrong person: how to try to get the money back and why MED does not apply

Learn what to do after sending Pix to the wrong recipient, how to request a return and when Brazil’s MED can actually be used.

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Celular com símbolo do Pix entre dois calendários de mesa, um com marca de confirmação e outro com relógio, ao lado de moedas e cartão.

Banks, Pix and Payments07/09/2026

Pix: what changed in DICT on September 1 and what only changes on October 26, 2026

Version 8.5 of the DICT Operational Manual split the effective dates: the 80-day deadline to contest a fraudulent refund is already in force, while TransactionDepth starts on Octob...

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Celular aproximado de uma maquininha de pagamento, com símbolo de contato e uma tela ao fundo mostrando controle deslizante de limite e ícone de segurança.

Banks, Pix and Payments03/09/2026

Contactless Pix without a fixed R$500 cap: how limits will work from October 1

From October 1, 2026, contactless Pix will no longer have a specific R$500 per-transaction cap. See what will limit payments and how to adjust amounts in your bank's app.

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Mãos seguram um celular com tela de gerenciamento de chave Pix por telefone, ao lado de ícones que representam acesso, perda do número, outra instituição e reivindicação de posse.

Banks, Pix and Payments02/09/2026

Pix key stuck on an old phone number: how to delete, port, or claim it

Learn how to locate a Pix key tied to an old mobile number and choose between deletion, portability, or an ownership claim.

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Pessoa analisa no notebook um relatório do Registrato com lupa sobre uma dívida atribuída a banco desconhecido, ao lado de anotações de verificação e cartão de crédito.

Debt & Negotiation01/09/2026

Unknown bank debt in Registrato: how to tell a credit assignment from fraud

An unfamiliar bank in Brazil's SCR may be the new creditor after a credit assignment — or a sign of unauthorized borrowing. Learn how to trace the debt before paying or disputing i...

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Pessoa cancela uma transferência agendada no celular enquanto alerta, calendário, relógio e uma figura encapuzada simbolizam um golpe interrompido.

Scams and Security01/09/2026

Scheduled Pix scam: when you can cancel and what to do if it has already gone through

If the Pix is still only scheduled, there is a specific cancellation deadline. If it has already gone through, the route changes to a fraud dispute and MED.

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Pessoa segura celular com tela de Pix Automático mostrando alerta de cobrança de R$ 49,90 e opções para cancelar autorização e contestar pagamento.

Banks, Pix and Payments01/09/2026

Unrecognized Pix Automático charge: how to cancel, stop new debits, and dispute it

Learn what to do with an unknown Pix Automático charge: cancel the authorization, stop future debits, and request a refund if payment already settled.

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Mesa com contrato de empréstimo marcado como quitado, folheto de seguro prestamista, calculadora, caderno de conferência e celular com comprovante de quitação antecipada.

Cards & Credit30/08/2026

I paid off my loan early and had credit life insurance: when is the premium refunded and how can you check the amount?

Paying off a loan early reduces future interest, but that is not the same as recovering the insurance premium. See when a credit life insurance premium may be refunded and how to c...

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Pessoa consulta em notebook uma tela ilustrativa do Registrato/SCR com situação vencida, ao lado de comprovante de pagamento, anotação de dívida paga e celular com indicador de crédito.

Debt & Negotiation28/08/2026

I paid the debt, but it still appears in Registrato/SCR: when it updates, what stays in the history, and when to complain

Paying off a debt does not erase older SCR positions. See when Registrato should reflect the payment, how to read the reference date, and when to ask the bank for a correction.

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Cena ilustrativa com notebook exibindo o Registrato, celular com etapas de diagnóstico, checklist e extrato com tarifas bancárias.

Banks, Pix and Payments20/08/2026

Is a stopped account still open? How to check the Registration, close and review tariffs

An unused account is not a closed account. See how to interpret the CCS/Registration, confirm the status at the bank, formalize the closure and review fees and negative balance.

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Mesa com fatura de cartão, calculadora, caderno comparando pagamento mínimo, parcelamento e empréstimo e celular com simulação de crédito.

Cards & Credit18/08/2026

I can't pay my card bill: how to compare minimum, installments and loan by CET and total payable

Before maturity, compare CET, total value, term and installment on the same basis. See when the minimum becomes revolving, how to test a loan and when portability comes into the ac...

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Homem analisa no celular uma mensagem de MED recusado, ao lado de comprovantes e de ícones que representam SAC, ouvidoria, reclamação, segurança e orientação jurídica.

Scams and Security16/08/2026

Pix MED denied by the bank: what to do after the refusal and which channels can help

The MED's denial does not automatically close all alternatives. Understand the reason for the refusal, gather evidence and choose the appropriate channel to dispute or seek guidanc...

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Montagem editorial com celular exibindo confirmação de pagamento via Pix diante de homem preocupado, com figura encapuzada ao fundo e avisos sobre o MED.

Scams and Security16/08/2026

I made a Pix for a scammer: what to do now, when the MED applies and what the limits are

If you made a Pix because of a scam, dispute the transaction immediately. Understand when the MED can recover values, the deadlines and the cases in which it does not apply.

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