# Complete Picnic fee table

> Check the fees, costs, limits and availability of every operation on Picnic.

Source: https://usepicnic.com/en/help/articles/complete-picnic-fee-table · Updated 2026-10-19

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.