Card: Using Your Card

Countries where the Picnic Card doesn't work

The Picnic Card doesn't work in 22 countries and regions under international sanctions. If you try to use it in these places, the transaction is declined, even if you have available balance. List of restricted countries and regions The card is blocked for transactions originating in the following locations: - Afghanistan - Belarus - North Korea - Crimea (region of Ukraine) - Cuba - Haiti - Yemen - Iran - Iraq - Lebanon - Libya - Mali - Myanmar (Burma) - Nicaragua - Central African Republic - Democratic Republic of the Congo - Russia - Syria - Somalia - South Sudan - Venezuela - Zimbabwe Why this restriction exists The Picnic Card follows international sanctions rules and the security policies of the card issuer and network. Purchases made in these countries and regions are blocked automatically, regardless of your card balance or limit. Before you travel This list may change as international laws and regulations are updated. Check this page before traveling to make sure your destination isn't on the restriction list. Frequently Asked Questions What happens if I try to pay in one of these countries? The transaction is declined automatically, even if you have balance on the card. No amount is charged. Can the list change? Yes. Countries can be added or removed as international sanctions are updated. Always check this page before traveling. Does the card work in international apps (Uber, Booking) operated from a restricted country? If the merchant processes the charge from a country on the list, the transaction is declined, even if you're somewhere else. Can I request an exception for a specific country? No. The restriction comes from the card's issuer and network and follows international compliance rules. Picnic support can't lift it. Still need help? If your purchase was declined in a country that isn't on the list, contact our team through the in-app chat. See also ZIP code to register your Picnic Card in international apps Can I pay with the card in dollars Picnic Card: debit or credit ATM withdrawals

ZIP code for registering your Picnic card in international apps

When adding your Picnic card to apps like Uber or Bolt, some services ask for a ZIP code linked to your card. Use the address below to complete the registration. Which ZIP code to use? When the app asks for a ZIP code, enter: - Zip Code: EC4A 1JP - Country: United Kingdom Why this ZIP code? The Picnic card is issued by Gnosis Pay, based in the United Kingdom. Some apps require a ZIP code to validate your card. The UK code EC4A 1JP resolves this issue. The app asks for a full address? If the service requires more than just the ZIP code, use: - Address: 12 New Fetter Lane, London, United Kingdom - Country: United Kingdom - Zip Code: EC4A 1JP If registration still doesn't work with this information, please contact our support team through the app.

Picnic Card: Debit or Credit

It's common to wonder about your card type when traveling or registering it in apps. Is the Picnic card debit or credit? The Picnic card is an international debit card. It does not work with monthly bills, pre-approved limits, or installment purchases. You must have available balance in your account to make transactions, and the amount is deducted immediately. The credit confusion in Brazil When using the card in physical stores in Brazil, the merchant must select the "credit" function on the card machine. This happens because many Brazilian card machines only recognize international cards through the credit network. Even so, the amount is deducted from your balance immediately (debit function) and the purchase is declined if there is not enough balance. Frequently Asked Questions Can I make installment purchases with the Picnic card? No. The card operates exclusively with the available balance and all purchases must be paid in full. Why was my purchase declined if I have balance? Confirm if the merchant tried to process it as "credit". Transactions as "debit" on Brazilian card machines will be rejected by the system. Still need help? If your card is declined even with the correct function, contact our team via chat. See also How to request the Picnic card Add card to Google Pay Add my card to Apple Pay

How to Request the Picnic Card

You can request the Picnic card directly through the app in just a few minutes. After approval, you can create a virtual card and also request the physical one. How to Request the Picnic Card via the App 1. Open the Picnic app - Click on Request my card. - Enter your email. - Enter the verification code received. 2. In the card section - Click on Continue. - Fill in your details. - Submit documents. 3. Confirm and submit the request - Review all information. - Accept the terms of use. - Tap Confirm. How to Request via Browser 1. Go to usepicnic.com - Enter your email. - Enter the verification code received. 2. Click on the card tab or the Picnic Card banner - Click on Request my card. - Fill in your details. - Submit documents. 3. Confirm and submit the request - Review all information. - Accept the terms of use. - Tap Confirm. Done! Whether you requested via the app or browser, your card will be available shortly after completing the request.

Can I Use the Card in Dollars

Always choose the local currency of the establishment. - In Brazil → choose Real (BRL). - In Portugal → choose Euro (EUR). - In the USA → choose USD. Why does this matter? - If you choose to “pay in dollars” outside the USA, the merchant's machine may apply additional fees and unfavorable exchange rates.

What is the Picnic card's dollar exchange rate?

The Picnic Card uses the on-chain dollar: close to the commercial rate, with no hidden fees, completely transparent. The so-called “commercial dollar” reported in the media is just a reference index. This rate is not directly accessible to individuals. When trying to buy dollars at banks or exchange offices, there are always spreads, administrative fees, and IOF (a Brazilian tax) applied, making the final amount considerably more expensive than the reported number. What exchange rate does Picnic use? - The Picnic Card uses the so-called on-chain dollar. - This rate is formed on blockchain networks, through the trading of stablecoins and decentralized liquidity. - The on-chain dollar is usually very close to the commercial dollar, but not exactly the same. - The main advantage: there are no hidden fees. The amount you see is exactly the amount charged, with no additional spreads applied later. - At Picnic, there are no “surprises”: - There are no intermediaries. Practical example - Reported commercial dollar: R$ 5.00. - Common bank/exchange: R$ 5.20 to R$ 5.30 (with fees included). - Picnic (on-chain rate visible at the time): R$ 5.07 → and this is the final amount, no surprises. Practical summary Picnic does not promise the “Google commercial dollar,” because this rate is not practically accessible to the user. The Picnic Card uses the on-chain dollar: close to the commercial rate, with no hidden fees, completely transparent. Next steps Picnic card fees and limits

Can I Change the Card PIN

As of today, it's not possible to change the Picnic card PIN. The PIN is automatically set by the system when the physical card is activated and, for now, cannot be customized or changed afterwards. How to View the Card PIN If you forgot the PIN or haven't memorized it yet, you can check it through the app: 1. Open the Picnic app and log in with your email. 2. Tap on “View PIN”. 3. Follow the on-screen security instructions to view it. Whenever needed, you can repeat this process to check the PIN. What If Someone Saw My PIN? If you suspect that someone else knows your card PIN: 1. Freeze the card through the app (temporary or permanent block). 2. Report the loss (to automatically cancel the card) 3. Canceling will allow you to request another physical card. Summary - It's not possible to change the Picnic card PIN at this time. - You can check the current PIN whenever needed, directly through the app. - If you suspect a PIN leak, cancel the card and request another. See Also How to Activate the Physical Card and View the PIN Purchase Rejected - Incorrect PIN Card Security Code Issue

Card Activation Failing

Main causes: - Incorrect data during activation - Temporary issue with the app - Damaged card How to resolve: 1. Check if the card details are correct 2. Close and reopen the app 3. Try at different times If the error persists: 1. Send a message to oi@usepicnic requesting the release of another order 2. Wait for support confirmation 3. Once the order is released, request another one You can always create and use just the virtual card.

How to Activate Your Physical Card and View the PIN

Activate your physical card in just a few minutes and start using it right away. It's simple! Before You Start Have the following ready: - [ ] Your Picnic physical card - [ ] Picnic app installed Step-by-Step Guide 1. Open the Picnic app and log in 2. Click on "I've received it and want to activate" or look for Activate 3. Enter the card details Make sure to enter all the card details correctly. 4. Confirm activation Review the details and tap "Activate". 5. Click on the "View PIN" option to see your card's PIN This PIN is pre-set by the system and cannot be changed at the moment. All Set! Your card is active and ready to use! Next Steps 1. [Load balance via Pix] 2. [Set spending limits] 3. [Activate the chip: insert the card physically for the first purchase]

Add Card to Google Pay

Follow these steps to add your card to Google Pay: 1. Open the “Google Wallet” app. 2. At the bottom of the screen, tap the “Add to Wallet” button. 3. Select “Credit or debit card.” You will see all the cards saved in your Google account. 4. Choose “New credit or debit card.” 5. To add the card, tap “Enter details manually” instead of using the camera. 6. Enter the details as they appear in your Picnic account. 7. At the bottom, tap “Save and continue.” 8. Read the issuer's terms and tap “Accept.” 9. If asked to verify your card, choose between verification by phone or email — whichever works best for you. What to do if you receive an error: In some cases, you might see an error message stating that your card was not added to your Google Pay wallet. Google Pay may decline your card due to the risk score of your Google account. This score is determined by Google Pay based on factors like the age of your Google account, current fraud suspicions, among others. We have no control over this and recommend trying to use another Google account you own and attempt to add the card again.

Add Your Card to Apple Pay

Follow these steps to add your card to Apple Pay: 1. Open the “Wallet” app on your iPhone. 2. Tap the “+” (Add) button in the upper right corner of the screen. 3. Select “Credit or Debit Card”. 4. Tap “Continue”. 5. To add the card, choose the option “Enter Card Details Manually” instead of using the camera. 6. Enter the details exactly as they appear in your Picnic account. 7. Tap “Next” in the upper right corner. 8. Read the issuer's terms and conditions and tap “Accept”. 9. If prompted to verify your card, choose between verification via SMS or email — select the option that works best for you. What to do if you receive an error message: In some cases, you might see a message stating that your card could not be added to Apple Pay. This can happen due to risk analysis conducted by Apple's own system, which considers factors such as: - Your Apple ID account history - Suspected fraudulent use - Data inconsistencies Unfortunately, we have no control over this process. We recommend that you: - Try adding the card again after a few hours - Or use another device or Apple ID account, if available

Picnic card limits

📊 Card fees now live in a single place: Complete Picnic fee table → Picnic Visa card section. This article keeps only the limits. ATM withdrawals - Daily limit: 500 USDCe. - Per-withdrawal limit: 250 USDCe. - Up to 5 free withdrawals per month or up to 200 USDCe (whichever comes first). - Beyond that limit, there's an additional fee. Details in the Complete Picnic fee table. - Local ATM operators may also charge their own fees. Spending limits - Daily purchase limit: 8,000 USDCe. - Per-transaction limit: 5,000 USDCe. - Contactless: up to 50 USDCe on the physical card. Currency conversion rate and fee The Picnic card is charged in USDC. When you use the card in another currency (BRL, EUR, etc.), Visa handles the conversion at the moment of purchase. Exact conversion costs are in the Complete Picnic fee table. Travel tip: whenever possible, pay in the local currency of the merchant. That gets you the best rate. Next steps - Add card to Google Pay - Add my card to Apple Pay

Daily Spending Limit on the Card

The amount available for purchases with the Picnic card is always linked to the pre-loaded balance in US dollars (USD). This means that to make any transaction, you need to have a pre-loaded balance. Additionally, there is a daily spending limit, which defines how much can be used in a single day. This limit can be configured and adjusted directly through the Picnic app. How to Adjust the Daily Limit 1. Open the Picnic app and click on Cards. 2. On the My Cards screen, select the desired card (physical or virtual). 3. Find the Daily Spending Limit option and click on Edit. 4. Set the desired amount and confirm the change. Daily Spending Limit (Physical and Online Purchases) | Type | Maximum | | --- | --- | | Daily Spending Limit | 8,000 EURe/USDCe | | Per Transaction Limit | 5,000 EURe/USDCe | | Contactless Purchases | Country-dependent (physical card only). If the terminal prompts for the PIN, just enter it. Apple Pay and Google Pay are not subject to this limit. | ATM Withdrawal Fees and Limits | Type | Maximum | | --- | --- | | Daily Withdrawal Limit | 500 EURe/USDCe | | Per Withdrawal Limit | 250 EURe/USDCe | ATM Withdrawal Usage Policy - You can make up to 5 withdrawals per month without fees at ATMs or up to 2****00 EURe/USDCe (whichever comes first) - After these limits: 2% fee per withdrawal. Important to Know - The daily limit applies to all cards linked to your account, both physical and virtual. - If the limit is reached, new purchases can only be made the next day or after adjustment. Next Step: See how to load balance on your Picnic card →