Fees, Reports & Documents

Complete Picnic fee table

This is the official reference for Picnic's fees. Use it whenever you want to know exactly what an operation costs — before you do it. Picnic comes in two flavors: - Picnic app — iPhone and Android. Built for everyday use: card management, deposits and withdrawals in reais, currency conversion. - Picnic Pro — web version (usepicnic.com). Built for crypto and DeFi power users: direct access to your wallet, cross-chain swaps, and Protected Stash with more detail. Most fees are identical across both. A few operations only exist on one — we mark these explicitly. Every table separates Picnic fee (what we charge) from Other costs (network gas, intermediary banks, or partners outside Picnic). That way you know exactly where each cent goes. Picnic app (mobile) Picnic Visa card | Operation | Picnic fee | Other costs | | --- | --- | --- | | Top up the card via PIX | 0% | Between 0.3% and 0.5% versus the onchain rate_¹_ | | Withdraw from the card via PIX | 0% | Between 0.3% and 0.5% versus the onchain rate_¹_ | | Top up the card via crypto (any network) | 0% | Crypto deposit provider's cost and conversion to the Gnosis Chain network | | Card purchases in US dollars (USD) | 0% | — | | Card purchases in other currencies (BRL, EUR, etc.) | 0% | ~0.3% Visa conversion fee | | ATM withdrawal — up to 5 withdrawals or 200 USD per month (whichever first) | 0% | Local ATM operator may charge a fee | | ATM withdrawal beyond that limit | 2% per withdrawal | Local ATM operator may charge a fee | ¹ The base quote we use is onchain (live market price) and tends to be very close to the official commercial dollar rate. Card limits: - Purchases: up to 8,000 USDCe/day, 5,000 USDCe per transaction. - Contactless on the physical card: up to 50 USDCe without PIN. - ATM: 500 USDCe/day, 250 USDCe per withdrawal. 💡 Travel tip. Always pay in the local currency of the merchant (real in Brazil, euro in Portugal, USD in the US). Accepting "pay in dollars" outside the US triggers the merchant's DCC and the spread is usually much worse than Visa's. 🎁 Active promotion. Buying digital dollars with PIX comes with zero spread and zero Picnic fee — you pay only the market price. Applies only to card top-ups. Details in the promotion terms. Protected Stash (USDC/sDAI yield) | Operation | Picnic fee | Other costs | | --- | --- | --- | | Deposit funds into the Stash | 0% | 0%, promotionally. | | Withdraw funds from the Stash | 0% | 0%, promotionally. | | Yield generated | Net | You receive the full yield shown in the Picnic interface. | Costs are promotionally zeroed for a limited time. Strategy details, risks and coverage in the Protected Stash Complete Guide. US Dollars (USD) | Operation | Picnic fee | Other costs | | --- | --- | --- | | ACH deposit (receive USD) | 0% | The sending bank (Wise, Chase, etc.) may charge its own fee | | Processing adjustment (covers network cost) | 0% | up to US$ 0.0005 per deposit | | ACH withdrawal to a US bank account | 0% | Variable per transaction (partner/bank) | | Wire withdrawal to a US bank account | 0% | Variable per transaction (partner/bank) | ACH receiving limits: US$ 10,000 per transaction (own or family accounts), US$ 5,000 per transaction (third-party), US$ 20,000 per month. Picnic Pro (web — usepicnic.com) In Picnic Pro, all your cryptocurrencies — including the stablecoins that work as dollar (USDC), real (BRLA) and euro (EURe) — are visible in the Portfolio section of your wallet. The tables below cover what you can do with them. Most operations have the same fee as the app — some only exist here. Same as the app Card, Protected Stash and US dollars (USD) follow the same tables above — with one important exception: - The withdrawal from the card via PIX (with USDC→BRL conversion baked in) is only available on the app. On the web version, this flow appears marked as "Available on app". To do the equivalent on the web, move your card balance to the Portfolio (free), swap USDC to BRLA in the Portfolio (0.1%), then withdraw BRLA via PIX (free). Brazilian Reais (PIX) — web only In Picnic Pro, your real balance lives as BRLA in your Portfolio. PIX deposits and withdrawals from that balance are direct, with no conversion. | Operation | Picnic fee | Other costs | | --- | --- | --- | | PIX deposit → BRLA balance | 0% | — | | PIX withdrawal from your BRLA balance | 0% | — | Crypto (onchain movements) — web only | Operation | Picnic fee | Other costs | | --- | --- | --- | | Receive crypto in your Picnic wallet | 0% | Network fee paid by the sender | | Send crypto to another wallet (same network) | 0% | Picnic covers the network fee for you ✨ | | Withdraw native Bitcoin (BTC) (via Deframe partner) | 0% Picnic | Deframe partner fee + Bitcoin network fee | About sending to a different network. Picnic has no direct "cross-chain withdrawal". If you hold USDC on Polygon and want to send it to a wallet on Base, do this: first run a cross-chain swap (see the section below), then send same-network from the destination wallet — that withdrawal is free. Euros (EUR) — web only In Picnic Pro, your euro balance lives as EURe (a stablecoin pegged to the euro, via Monerium) in your Portfolio. SEPA deposits and withdrawals land 1:1 in the destination bank account. | Operation | Picnic fee | Other costs | | --- | --- | --- | | Deposit via IBAN (SEPA) | 0% | — | | Withdraw to a European bank account via IBAN (SEPA) | 0% | — | Crypto swaps — web only | Operation | Picnic fee | Other costs | | --- | --- | --- | | Swap between assets on the same network (e.g. USDC ↔ BRLA on Polygon) | 0.1% | Network fee (gas) | | Swap between different networks (e.g. USDC on Polygon → USDC on Base) | 0.25% | Network fee + aggregator spread | 💡 Why two rates? Same-network swaps use a simple DEX (Uniswap, CowSwap, etc.). Cross-network swaps have to traverse bridges (Bungee, Squid, Li.Fi, deBridge) — more infrastructure, higher fee. If you want to send crypto to a different network, first do the cross-network swap (line above), then send same-network from the destination wallet — that withdrawal is free. Total: 0.25% Picnic + gas. 🎁 Active promotions Zero-Fee Conversion (buying USD with PIX) Buy USDC (digital dollars) with PIX without spread and without Picnic fee — you pay only the market price. Applies to any digital-dollar purchase with PIX on Picnic — both via the app (card top-up) and via Picnic Pro (direct purchase in the Portfolio). - 0% Picnic fee - 0% spread (direct market price) - 0% IOF Full promotion terms One-line summary Deposits are always free. Withdrawals are free in BRL (from BRLA), in EUR (SEPA) and in same-network crypto (any network). USD ACH withdrawal has a variable bank fee. Crypto swaps have a small fee (0.1% same-network, 0.25% cross-network), and BRL→USDc is currently zero-fee under promotion. Picnic does not charge IOF. We're not traditional FX — you're paying straight from your wallet in onchain dollars. See also - Zero-Fee Conversion promotion — how it works - Promotion terms - Picnic card quote — how it's calculated - Card and ATM limits - USD receiving limits (ACH) - ATM withdrawals abroad - Picnic Transparency Page

Crypto Transaction Fees on Picnic

📊 We moved this table to a single place: Complete Picnic fee table. See the Crypto (onchain movements) and Picnic Pro → Cross-chain swaps sections. When you move crypto on Picnic, there are two kinds of movements: swaps (exchange one asset for another) and withdrawals (send to another wallet). The fees for each are in the consolidated table. Key points to understand: - Same-network swap (e.g. USDC ↔ BRLA on Polygon) uses a simple aggregator — lower fee. - Cross-network swap (e.g. USDC on Polygon → USDC on Base) has to traverse a bridge — slightly higher fee. This swap is only available on the web version (usepicnic.com). - Same-network crypto withdrawals have no Picnic fee — Picnic covers the gas fee for you. - There is no direct "cross-chain withdrawal". If you want to send crypto to another network, first do the cross-network swap, then do a same-network withdrawal from the destination wallet. Exact Picnic fees and applicable network fees in each case are in the Complete Picnic fee table.

Card Exchange Rate Differs from Commercial Dollar

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, which makes the final amount considerably more expensive than the reported number. At banks and exchange offices, you see the commercial dollar, but you only find out the real price at the time of conversion: much higher than the published rate due to internal fees. The Picnic Card uses the so-called on-chain dollar. At Picnic, there are no “surprises”: - No conversion fee. - No additional bank spread. - No intermediaries. In the long run, loading dollars directly onto the Picnic Card usually costs less than exchanging currency at traditional banks or exchange offices.

Income Report and Income Tax

Picnic does not issue Income Reports and does not share data with any financial institution or government agency. You are responsible for gathering, calculating, and declaring your information for Income Tax. To make this process easier, Picnic provides the complete transaction history for export. How to export your transaction history You can export via the browser (www.usepicnic.com) or the app: 1. Log in to your Picnic account. 2. In the menu, go to Transaction History. 3. Click on Export history. 4. The PDF file will be downloaded automatically. PDF not downloading? Check if: - your browser is blocking automatic downloads; - there is available space on the device; - you have tried another browser (Chrome, Safari, Firefox). For purchases with the Picnic Card Gnosis Pay (the card issuer) also does not issue Income Reports as it does not hold the funds. To sum up expenses with the card, you can: - Print the pages from the Card History directly on Picnic; or - Download the transaction CSV via Gnosis Scan, entering the wallet address in the search field. If you have questions about how to declare, we recommend consulting an accountant or the official Federal Revenue website (gov.br/receitafederal). Related articles Does Picnic report transactions to the government? Does Picnic have a CNPJ?

Does Picnic have a CNPJ?

No, Picnic does not have a CNPJ. It is not based in Brazil. The only headquarters of Picnic (which is a designation of DeFi Baskets Labs) is located in the British Virgin Islands.

Does Picnic report transactions to the government?

Picnic does not issue reports to government institutions. However, we work with partners like BRLA, who comply with the laws of the places where they operate. This may include the need for them to report certain transactions to tax authorities. It's important to remember that Picnic is a technology tool that helps you self-custody your digital assets. As such, the responsibility for fulfilling tax and regulatory obligations lies with the user, according to the laws of the country where they reside or conduct their transactions. Currently, reports to authorities made by BRLA or another partner may occur under the following conditions: - Deposits or withdrawals via Pix: at this time, it is reported to the tax authorities that CPF (a Brazilian taxpayer ID) x purchased y tokens paying z reais. - Conversions of BRLA<>USDT/USDC.e: only when our router chooses the extended liquidity route of BRLA, it will report to the RFB (Brazilian Federal Revenue) that CPF x purchased y tokens (USDT/USDC/BRLA) paying z tokens (USDT/USDC/BRLA).

How to Download Your Transaction History

You can now export a detailed statement of your transactions on Picnic directly from the web version. This document is ideal for organizing your finances or verifying amounts. Step-by-step Export Guide The download of the history is available through your user dashboard: 1. Log in to the web version of Picnic. 2. On the homepage, click on your profile picture in the upper right corner. 3. Click on the "Transaction History" option. 4. Click the "Export History" button. 5. Set the filters (dates, currency, and language) and click "Export". What You'll Find in the Statement When you download the file, the data will be organized in the following columns: - Date and Description: Time of the transaction and details of the establishment. - Type: Indicates whether the transaction added (Credit) or reduced (Debit) funds. - Amount in: Amount in the base currency used in the transaction. - Amount in reference currency: Equivalent amount in the selected currency (e.g., BRL). - Receipt: Clickable link to the blockchain explorer. At the end of the document, you will find sections with detailed information and explanatory notes about the statement. Frequently Asked Questions Can I export the history on my phone? Yes! Exporting is now also available in the app. To download the history via the app: 1. On the homepage, click "See All" next to History. 2. Tap the button with the downward arrow (download icon). 3. From there, follow the same steps as the web version: set the filters (dates, currency, and language) and click "Export". Does the generated file serve as a tax receipt? In the case of apps that operate with network assets (especially if they involve self-custody or DeFi protocols), the statement is a raw record. The responsibility to consolidate gains, calculate the average price, and convert to Reais (using the exchange rate on the transaction day) is solely the user's. Still need help? If you have trouble generating the file, contact our team via chat. See Also Income Tax Purchase and Refund Receipts: How to Download and Share

Purchase and Refund Receipts: How to Download and Share

Use this article when you need to prove a purchase to a merchant or a refund for reimbursement. Where to Find the Receipt - Each purchase has an identifier with a public receipt. This identifier is different from traditional bank receipts. This is because Picnic card transactions are conducted on the Gnosis network (a blockchain). - You can access this receipt through the Picnic app → Card → History → Tap on the transaction → Receipt on the Blockchain. - On the page that opens, copy the sequence called Transaction Hash. This is the transaction identifier. Sharing the Receipt 1. Follow the step above to find the receipt. 2. Paste the address in an email, chat, or document to share. Tip: if the transaction just happened and you can't find it**,** close and reopen the app and wait a few minutes. What to Check on the Receipt - Status: it should be Success. - Amount: section called ERC-20 Tokens Transferred - Amount right after the word FOR. Quick Notes - Privacy: the link is public; share the Blockchain Receipt link whenever you need to prove the transaction. - Refund: appears as a new credit transaction a few days later; the original purchase does not disappear from the history.

Public Repository on GitHub

Summary - Picnic does not maintain a public repository on GitHub and does not share source code. - The entire Picnic experience is designed to be used directly through the interface (app and browser) and documented in the Help Center. - To implement what you need, follow the tutorials and step-by-step guides here in the Center. Why We Don't Have a Public GitHub - Security and Privacy: protecting infrastructure and user data. - Guided Documentation: updated articles that reflect how Picnic works today. Next Steps 1. Search for your topic here in the Center (search bar). 2. Open the article for your flow (e.g., “Load the card,” “Buy GNO,” “Withdraw to bank account”). 3. Follow the step-by-step guide directly in the Picnic interface.