Did you just make a deposit, try to pay with your Picnic card, and the terminal showed 'insufficient funds'?  
In most cases, this is related to where the money was deposited or a delay in balance synchronization, and it can be resolved quickly.

## 1 Confirm Where Your Deposit Went

-   **Deposits made to the card** go **directly to the balance** in **digital dollars ($USD):** this is the balance the card uses for purchases and withdrawals. However, due to some instability in the financial system, the balance might be in the Multicurrency Account.
-   **Balance in the Multicurrency Account is not used directly by the card:** you need to access it and send it to the card again.
-   **If your balance doesn't appear on the card, check the Multicurrency Account:**
    
    \- On your browser, go to usepicnic.com
    
    \- Use the same email you use to access the app
    
    \- After logging in, check the Multicurrency Account balance.
    
    \- Click on Card>Add balance > Multicurrency Account
    

## 2 Card Balance Hasn't Synced on the Network Yet

If the balance is already on the card, but the purchase keeps failing:

1.  **Wait a few minutes and refresh the app**
    -   Wait 3 to 5 minutes after the deposit for the network to recognize the new balance.
    -   Close and reopen the app and check again.
2.  **Try again just one more time**
    1.  If it was declined, avoid multiple attempts in a row.
    2.  Wait a few minutes and try just one more time.

## 3 Other Reasons for 'Insufficient Funds'

**Confirm the exact purchase amount**

-   Check if the balance in **$USD** covers the final amount converted to the local currency (including possible merchant fees).
-   Whenever possible, leave a safety margin above the final purchase amount.

**Configuration or terminal limits**

-   If the purchase fails at **more than one merchant**, it could be something with the card (like a daily limit).
-   If it fails **only at a specific place**, it's very likely a terminal issue (try inserting the card instead of just tapping).

[Daily spending limit on the card](https://help.usepicnic.com/hc/picnic/articles/limite-diario-de-gastos-no-cartao)

[Damaged or defective card](https://help.usepicnic.com/hc/picnic/articles/cartao-danificado-ou-defeituoso)