**Not accepted for certain types of transactions**, such as:

-   Deposits into digital wallets and fintechs (Revolut, Wise, PayPal, Curve, etc.).
-   Utility bill payments (water, electricity, internet, gas, phone, etc.).
-   Government, taxes, and official fees.
-   Political or charitable donations.
-   Foreign currency exchange.
-   ATM withdrawals **do not generate cashback** (and may incur local fees).

## Usage Limits

-   The amount available for purchases is always tied to the **pre-loaded balance**.
-   Daily usage limits can be adjusted via the Picnic app.

\* This information pertains to the cashback program existing until January 31, 2026.