PICNIC Card
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 0% |
| NEED KYC | YES |
| FX FEE | NOT DISCLOSED |
| APR / YIELD | NO |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | NON CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | $500 |
| DAILY LIMIT | $8,000 |
The Gnosis Pay Intermediary cashback programme has ended. No replacement announced.
ATM withdrawals are expensive beyond the free tier. 5 withdrawals or 200 USD/month free, then 2% per withdrawal + local operator fee. A $200 ATM withdrawal after the limit costs $4+ in Picnic fees alone.
Pay any Pix QR code directly from your USD balance. No need to convert to BRL first, automatic conversion at payment time.
THE REAL STORY ON THIS CARD.
- Self-custody with Smart Wallet
- Zero IOF, zero Picnic fee on BRL→USD conversion
- US bank account via Noah (Wire + ACH)
- Euro IBAN via Monerium (SEPA)
- Up to 5 virtual cards, free physical card
- Apple Pay and Google Pay support
- Picnic Agents: AI integration via MCP
- Ledger hardware wallet support
- Comprehensive Help Center in Portuguese/English
- Cashback program has ended
- Brazil primary market
- Card top-up via Pix has 0.3-0.5% vs onchain rate
- Non-USD purchases incur ~0.3% Visa conversion fee
- ATM free limit is low (5 withdrawals or 200 USD/month)
- 2% ATM fee beyond free limit + local operator fees
- Picnic Agents is early access
- BRL→USD 0% spread is promotional, may expire
GENERAL QUESTIONS.
A single app to spend and gain benefits intelligently. At Picnic, it is possible to add balance, pay with an international Visa card, send and receive money. Everything in real time, with transparent fees and without bureaucracy.
It is a debit card with a Visa brand for online and in-person purchases worldwide. You load funds onto the card and pay as usual; the conversion happens at the time of purchase. It also works with digital wallets.
Open your account with just one click, complete the identity verification, and request the card. The creation of the virtual card is available first for immediate use. The physical card arrives for free at your address and activation is done through the app.
Picnic is transparent; you always see the final amount before paying.
• No annual fee.
• Deposits and withdrawals via Pix: up to R$ 100 thousand per month.
• Conversions with no Picnic fee.
• Purchases in dollars on the card: no extra fee (ZERO spread).
• Purchases in other currencies on the card: only the Visa spread (around 0.3%).
• Buying and selling digital dollars: only the spread, around 0.5%.
• You set your own daily spending limits, with no surprises.
Have you noticed that our card is named Gnosis Pay? This is the partner company that issues the card along with Visa. You manage everything through our app, while Gnosis Pay operates the card infrastructure and payment processing.
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