Complete Picnic fee table

This is the official reference for Picnic's fees. Fees are organized by operation, not by the interface you use. When a feature is available in both the app and the web, the same conditions apply.

Every table separates the Picnic fee from what the network, a bank or another partner may charge. Before you confirm an operation, always check the rate, the fees and the final amount shown on screen.

Picnic Visa card

Operation	Picnic fee	Other costs	Available on
Top up the card via Pix	0%	Between 0.3% and 0.5% versus the onchain rate	App and web
Withdraw from the card via Pix	0%	Between 0.3% and 0.5% versus the onchain rate	App
Top up the card with crypto	0%	Deposit provider's cost and conversion to Gnosis Chain	App and web
Purchases in US dollars	0%	None	Physical and virtual card
Purchases in other currencies	0%	About 0.3% Visa conversion fee	Physical and virtual card
ATM withdrawal within the monthly allowance	0%	The ATM operator may charge a local fee	Physical card
ATM withdrawal beyond the allowance	2% per withdrawal	The ATM operator may charge a local fee	Physical card

ATM allowance: up to 5 withdrawals or US$ 200 per month, whichever comes first.

Card limits:

• Purchases: up to 8,000 USDC.e per day and 5,000 USDC.e per transaction
• Contactless on the physical card: up to 50 USDC.e without PIN
• ATM: 500 USDC.e per day and 250 USDC.e per withdrawal

💡 Travel tip. Always pay in the merchant's local currency. Accepting "pay in dollars" outside the US triggers the merchant's currency conversion (DCC), which is usually much worse than Visa's.

Pix and Brazilian real balance

Operation	Picnic fee	Other costs	Available on
Pix deposit to your BRLA balance	0%	None	App and web
Pix withdrawal from your BRLA balance	0%	None	App and web

US dollars

Operation	Picnic fee	Other costs	Available on
ACH deposit	0%	The sending bank may charge its own fee	App and web
Deposit processing adjustment	0%	Up to US$ 0.0005 per deposit	App and web
ACH withdrawal to a US bank account	0%	Variable partner or bank fee	App and web
Wire withdrawal to a US bank account	0%	Variable partner or bank fee	App and web

ACH receiving limits: US$ 10,000 per transaction from your own or family accounts, US$ 5,000 per transaction from third parties, and US$ 20,000 per month.

Euros

Operation	Picnic fee	Other costs	Available on
Deposit via IBAN (SEPA)	0%	None	App and web
Withdrawal to a European bank account via IBAN (SEPA)	0%	None	App and web

Conversions

The Picnic fee on a conversion depends on the pair of assets, not on the network. Converting across networks does not cost more by itself.

Type of conversion	Examples	Picnic fee	Other costs	Available on
Same asset, on another network	USDC on Polygon → USDC on Base	0%	Network fee and bridge cost, when applicable	App and web
Assets of the same currency	USDC ↔ USDT	0.10%	Network fee and, across networks, bridge cost	App and web
All other pairs	USDC ↔ BRLA, BRLA ↔ EURe, USDC ↔ BTC	0.30%	Network fee and, across networks, bridge cost	App and web

"Same currency" means both assets track the same currency: US dollar, euro or Brazilian real. Buying or selling a crypto asset (for example, bitcoin or ether) is charged at 0.30%.

The confirmation screen always shows the Picnic fee for the pair you chose, along with network and bridge costs.

Crypto

Operation	Picnic fee	Other costs	Available on
Receive crypto in your Picnic account	0%	The network fee is paid by the sender	App and web
Send crypto to another wallet on the same network	0%	Picnic covers the network fee, except on Ethereum mainnet	App and web
Send crypto to another wallet on a different network	Conversion fee (see above)	Bridge cost and network fee	App and web
Withdraw Bitcoin on the Bitcoin network	0%	Deframe partner fee and Bitcoin network fee	App and web

Sending to another network goes through a conversion. If the destination is the same asset (for example, USDC to USDC), the Picnic fee is 0%. If it is a different version of the asset (for example, UBTC to WBTC), the 0.30% fee applies.

Savings and Passive Income

Operation	Picnic fee	Other costs	Available on
Deposit into BRL Savings	0.1%	Network fee, when applicable	App and web
Deposit into Euro Savings	0.1%	Network fee, when applicable	App and web
Deposit into Protected Savings (US dollar)	0%	0% promotionally	App and web
Withdraw from any Savings product	0%	None	App and web
Yield earned	Net	The yield shown is already net	App and web

On the web, Savings may also appear as Passive Income, which offers a wider range of yield options.

Promotions

Temporary campaigns and promotions have their own conditions, such as dates, eligibility and limits. See the campaign's own article. When a promotion applies to your operation, the discount is shown on the confirmation screen before you approve it.