There is an increasing number of digital accounts that provide financial services such as mobile recharge, financial transfers and payment of bank slips. In the case of the PicPay digital account, you have a digital wallet that also has cashback and daily CDI liquidity!

In this article, you will learn everything about the PicPay account and how it can be a real “hand in the wave” for you! Check out!

In Brazil, PicPay is a payment account that is super famous for its cashback program, in addition to paying slips and bills in general in installments. 

And in addition, it works as a digital wallet that yields up to 105% of the CDI, so liquidity is daily and you can move your digital wallet profiting on business days.

Also, through the PicPay account you can pay other users and establishments such as stores, supermarkets, restaurants, in addition to services registered on the platform, such as recharging your cell phone.

And to pay, all you have to do is register your credit card or add money to your account by means of a bank slip, transfer or debit card.

It is important to highlight that PicPay is not a bank, but a fintech that provides banking services and that follows all international bank security standards to keep user data protected against fraud on the platform!

It is indicated for those who do not have a bank account and seek practicality by having a digital wallet and thus leaving their finances organized.

That's because, in addition to being able to make payments, financial transfers, make purchases with the card, you can still see all your financial transactions and control your expenses.

So, if you fall into the category of people who seek security, practicality and want to keep their finances organized, PicPay is the digital wallet for you.

In terms of limit, PicPay allows up to R$5 thousand per day, according to the analysis of the platform's support team, in addition to sending money with a credit card that has a limit value of R$300 per month.

On the other hand, the monthly PicPay account limit is R$800, that is, if you send amounts above this to other accounts during the monthly period, you will have to pay 1,99% on each transaction.

And when paying slips, the fee is 2.99% for cash payments and 3.49% for installment payments. In cases of sales and receipts with QR Code, the rate is from 1.99% to 0% depending on the balance release period.

To find out if the PicPay account is worth it, let's get to know the advantages and disadvantages:

Among the advantages of the account are the bank services that PicPay offers, such as payment of bills, financial transfers and even credit card recharge.

And on top of that, the account is free and has a credit and debit card that you can apply for.

It is undeniable that PicPay is mainly known for its cashback program, so with each bill paid you receive part of the amount back. Fantastic, isn't it? 

Also, withdrawals are completely free and if you are a seller, there are several other benefits and services for you.

In this way, it is also possible to pay for digital services such as Uber and Netflix, in addition to making payments through QR Code, payment link, among others.

Among the disadvantages of the account are the low limit for sending and receiving money in addition to limited support for resolving financial issues with the account.

In addition, account withdrawals can only be made at Banco24Horas and are made via the application.

There is even a waiting list to access the credit card, which is a big disadvantage compared to other credit cards!

To create a PicPay account, all you have to do is install the application on your mobile device and follow the recommendations. So, just register your personal data, put a front photo and that's it. Now, click on the content below to know how to open PicPay account.