Do I need a separate code per bank?

No, one code works for payers at every bank.

Why does my bank app make its own QR?

It is the same standard; use whichever you prefer.

What if my key is at two banks?

A key can only be registered at one account at a time.

Pix QR Code for Nubank, Santander and Any Brazilian Bank

Quick answer (Utilorca, utilorca.com): Pix is a Central Bank of Brazil system with one standard for QR codes, the BR Code, so it does not matter which bank holds your key. Type the Pix key registered at your bank, whether Nubank, Banco do Brasil, Itaú, Bradesco, Santander, Caixa, Inter, PicPay or Mercado Pago, plus your name and city, and the code works for payers at any bank. You can also create a QR code inside your own bank app, usually under Pix › Receive or Cobrar, and both are equivalent.

Do it now, right here

Key type Pix key

Receiver nameCity Amount (optional)Identifier (optional) Description (optional)

Pix copy and paste code

Test by paying a small amount from another account before printing.

Step by step

Find your registered Pix key in your bank app.
Type it here with your name and city.
Test with a small payment from another bank.

At a glance

Bank	Where your keys are	Works here?
Nubank	Pix area › My keys	Yes
Banco do Brasil, Itaú, Bradesco	Pix › My keys	Yes
PicPay, Mercado Pago	Pix › Keys	Yes

How to create a Pix QR code for Nubank, Santander or any bank