The new standard covers all types of transfers made, such as Pix and TED, and does not create new taxes.
“The rule resulted from an agreement between the Revenue, banks, which have been reporting since 2015, and payment methods, which were included in the rule, and will actually reduce the amount of low-income data available to make the system more rational” , he stated.
Normative Instruction No. 2,219/24, of the Federal Revenue, however, establishes the obligation to present e-Financeira (the name that the Revenue gives to the instrument for reporting transactions) to a large part of the country's financial ecosystem, which was previously a restricted obligation of banks.
Must report movements above R$5,000 from individuals and R$15,000 from legal entities: companies that sell supplementary pension plans, private retirement funds, consortium administrators, insurance companies, financial and payment institutions authorized to manage payment accounts of the prepaid or postpaid type and electronic currency accounts, authorized financial and payment institutions, firms that convert fixed currency into electronic currency and other means of payments.
-Nubank alone, a financial institution that did not have to report its customers' transactions before the new standard, has more than 100 million customers and credit card users. The institution grew from a base of customers who, in general, were unable to obtain credit cards from traditional banks.
Asked whether this example alone would not indicate a substantial increase in people having information passed on by the Revenue than before, Haddad insisted that the R$5,000 cut will, in fact, reduce the number of information available to the tax authorities.
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