{"id":2277,"date":"2022-07-12T22:18:36","date_gmt":"2022-07-13T01:18:36","guid":{"rendered":"https:\/\/subsbr.net\/blog\/?p=2277"},"modified":"2024-01-26T21:17:05","modified_gmt":"2024-01-27T00:17:05","slug":"bancos-digitais-podem-acabar-com-os-cartoes-sem-anuidade","status":"publish","type":"post","link":"https:\/\/subsbr.net\/blog\/bancos-digitais-podem-acabar-com-os-cartoes-sem-anuidade\/","title":{"rendered":"Bancos digitais podem acabar com os cart\u00f5es sem anuidade"},"content":{"rendered":"<div class=\"c1564688ba9d1f8aa56fb0df10cf62e4\" data-index=\"1\" style=\"float: none; margin:10px 0 10px 0; text-align:center;\">\n<div id=\"protag-after_content\"><\/div>\r\n<script type=\"text\/javascript\">\r\n    window.googletag = window.googletag || { cmd: [] };\r\n    window.protag = window.protag || { cmd: [] };\r\n    window.protag.cmd.push(function () {\r\n        window.protag.display(\"protag-after_content\");\r\n    });\r\n<\/script>\r\n\n<\/div>\n<p>Recentemente, o Banco Central fez uma proposta de mudan\u00e7a regulat\u00f3ria que divide mais uma vez as\u00a0fintechs\u00a0e os\u00a0bancos\u00a0tradicionais. De acordo com um levantamento da Zetta, organiza\u00e7\u00e3o da qual diversas fintechs, como Mercado Pago e\u00a0Nubank, fazem parte, o impacto da mudan\u00e7a seria milion\u00e1rio. Se no ano passado essas novas regras j\u00e1 estivessem valendo, os clientes destas institui\u00e7\u00f5es financeiras teriam desembolsado cerca de R$ 24 bilh\u00f5es em tarifas.<\/p>\n<p>Com a mudan\u00e7a da regra, o modelo de neg\u00f3cio dos bancos digitais, que t\u00eam crescido com a oferta de servi\u00e7os gratuitos, como os\u00a0cart\u00f5es de cr\u00e9dito\u00a0sem anuidade, pode ser limitado.<\/p>\n<h2 id=\"h-tarifa-de-intercambio\">Tarifa de Interc\u00e2mbio<\/h2>\n<p>A proposta \u00e9 uma mudan\u00e7a na Tarifa de Interc\u00e2mbio (TIC), percentual que as bandeiras de cart\u00e3o pagam para os emissores (institui\u00e7\u00f5es financeiras), o que igualaria a tarifa cobrada em transa\u00e7\u00f5es efetuadas por cart\u00f5es emitidos por fintechs e por bancos.<\/p>\n<p>As fintechs t\u00eam entre suas principais fontes de renda a arrecada\u00e7\u00e3o com a TIC, o que, segundo as empresas, possibilita o oferecimento dos demais servi\u00e7os de maneira gratuita.<\/p>\n<h2 id=\"h-cartoes-de-debito\">Cart\u00f5es de d\u00e9bito<\/h2>\n<p>Em 2018, teve in\u00edcio a divis\u00e3o, quando o Banco Central resolveu determinar um teto de 0,5% na TIC para os cart\u00f5es de d\u00e9bito. Naquele ano, o \u00f3rg\u00e3o defendia que o objetivo da medida era incentivar o uso dessa modalidade de pagamentos no Brasil.<\/p>\n<p>A mudan\u00e7a gerou uma diferen\u00e7a entre as tarifas pagas aos bancos e \u00e0s fintechs, j\u00e1 que o teto n\u00e3o seria aplicado aos produtos financeiros. Afinal, a maioria das fintechs n\u00e3o emitem cart\u00f5es de d\u00e9bito, mas sim cart\u00f5es pr\u00e9-pagos, que apesar de entrarem em uma regula\u00e7\u00e3o diferente, t\u00eam uma utiliza\u00e7\u00e3o muito parecida.<\/p>\n<p>Agora, pode ser estabelecido o mesmo teto para cart\u00f5es de d\u00e9bito e pr\u00e9-pagos pelo Banco Central, o que reduziria, na pr\u00e1tica, a arrecada\u00e7\u00e3o das fintechs.<\/p>\n<p>O estudo da Zetta teve como base um teto de 0,6% para a TIC em 2021, parecido com o limite de 0,5% dos cart\u00f5es de d\u00e9bito determinado pelo Banco Central em 2018 e cogitado atualmente para os pr\u00e9-pagos.<\/p>\n<p>Em outubro de 2021, a Federa\u00e7\u00e3o Brasileira de Bancos (Febraban) afirmou ser contra qualquer tabelamento; contudo entendia que a medida iria possibilitar um tratamento \u201cmais ison\u00f4mico\u201d entre os agentes.<\/p>\n<h2 id=\"h-impacto-nas-tarifas\">Impacto nas tarifas<\/h2>\n<p>Representantes da Zetta se reuniram com Roberto Campos Neto, presidente do Banco Central, na primeira semana de junho, com o intuito de defender que o teto iria prejudicar as opera\u00e7\u00f5es das fintechs e mostrar o c\u00e1lculo do impacto nas tarifas.<\/p>\n<p>Al\u00e9m de afirmar que o teto afetaria o modelo de neg\u00f3cios de forma direta, a Zetta apresentou a Campos Neto alega\u00e7\u00f5es de que, se realmente houver a mudan\u00e7a, haver\u00e1 dificuldade no acesso das pessoas aos servi\u00e7os banc\u00e1rios.<\/p>\n<p>Por fim, o Banco Central informou que analisa as contribui\u00e7\u00f5es que recebeu do mercado e que a proposta ser\u00e1 exposta para a diretoria do Banco Central \u201cem breve\u201d.<a id=\"download_link\" class=\"wp-block-button__link has-background has-vivid-cyan-blue-background-color\" style=\"display: none; margin: 0 auto; text-align: center; font-family: Verdana; font-size: 12px; color: red;\" href=\"https:\/\/subsbr.net\/blog\/bancos-digitais-podem-acabar-com-os-cartoes-sem-anuidad\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-blogger-escaped-style=\"background-color: #0693e3; border-radius: 12px; border: none; box-shadow: none; box-sizing: border-box; color: #dd3333; cursor: pointer; display: inline-block; font-size: 12px; margin: 0px; overflow-wrap: break-word; padding: 12px 24px; transition: all 0.4s ease 0s;\" data-blogger-escaped-target=\"_blank\">BAIXAR APP<\/a><\/p>\n\n<div style=\"font-size: 0px; height: 0px; line-height: 0px; margin: 0; padding: 0; clear: both;\"><\/div>","protected":false},"excerpt":{"rendered":"<p>Recentemente, o Banco Central fez uma proposta de mudan\u00e7a regulat\u00f3ria que divide mais uma vez as\u00a0fintechs\u00a0e os\u00a0bancos\u00a0tradicionais. De acordo com um levantamento da Zetta, organiza\u00e7\u00e3o da qual diversas fintechs, como Mercado Pago e\u00a0Nubank, fazem parte, o impacto da mudan\u00e7a seria milion\u00e1rio. Se no ano passado essas novas regras j\u00e1 estivessem valendo, os clientes destas institui\u00e7\u00f5es [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2278,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[43],"tags":[473,276,429,474,471,472,475],"class_list":["post-2277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cartao-de-credito","tag-acabar","tag-bancos","tag-cartoes","tag-com-os","tag-digitais","tag-podem","tag-sem-anuidade"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Bancos digitais podem acabar com os cart\u00f5es sem anuidade<\/title>\n<meta name=\"description\" content=\"Recentemente, o Banco Central fez uma proposta de mudan\u00e7a regulat\u00f3ria que divide mais uma vez 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