PicPay: Conta, Cartão e Pix

PicPay

About this app

Million Key Promotion 💵
To participate, simply register your Pix key. You'll be entered to win R$1 million in the final drawing and weekly cash prizes. The more PicPay you use, the more chances you have to win.

Are you a CLT (CLT) employee? PicPay makes your life easier! Crédito do Trabalhador (Worker's Credit) has arrived, allowing you to access private payroll loans directly through PicPay, with reduced rates and payroll deductions. Take advantage of fast credit without compromising your budget. Simulate now through the app and enjoy the best conditions for you!

💚 Digital Account: Fast, Free, and Complete!
100% free and easy-to-use digital account. Manage all your banks in a single app, move, organize, and transfer Pix between different accounts. Pay for your purchases in up to 36 installments with any card and make secure transfers from any bank. Your money also automatically earns 102% of the CDI (Interbank Deposit Certificate), more than a savings account.

💳 Credit Card with No Annual Fee: Benefits You'll Love
A personalized card for every lifestyle:
🥇 PicPay Card Gold: Card with no annual fee, installments up to 36 times, Mastercard Surpreenda benefits, and cashback at PicPay Shop.
🥈 PicPay Card Platinum: 0.5% cashback on all credit purchases, global emergency assistance, and auto insurance.
🖤 PicPay Card Black: 1.2% cashback, VIP lounge access, travel insurance, concierge, and exclusive Priceless Cities benefits.

Get a credit card with no annual fee, with a limit of up to R$10,000! Receive cashback on all purchases, online and at partner stores.

⚡️ Instant Pix: Fee-Free, Real-Time Transfers
Pix on PicPay allows instant payments anytime, with the option to pay in up to 36 installments. The recipient receives the payment immediately, and you pay only when the bill is due. You can also enjoy benefits such as higher yields than savings accounts, cashback, promotions from partner stores on PicPay Shop, and the ease of recharging services and splitting payments.

💰 PicPay Loan: Fast, Hassle-Free Credit
Credit with fast, hassle-free approval, ideal for unexpected situations, paying off high-interest debt, or pursuing personal projects.

Personal Loan: Simulate directly in the app, find pre-approved offers, and manage everything without leaving home.
FGTS Advance: Receive your money in your account in up to 2 minutes! No monthly fees and easy approval, even for those with bad credit.

💡 More than a digital account: Complete Financial Solutions!
In addition to transfers, Pix, and loans, PicPay also offers:
Account That Rende: Your money grows automatically, with higher yields than savings accounts (102% of the CDI).
Investments: Diversify your portfolio with safe and accessible options directly in the app. Bill Installments: Pay your bills in up to 36 installments on your credit card.
Cashback: Earn cash back on various purchases, directly into your account.
Account for Minors: Your children can also enjoy the benefits of PicPay safely and independently, starting their financial education early! 🎓
🔒 Digital Account with Secure Mode
Your money and transactions are protected with an extra level of security.

PicPay transforms the way you manage money.
Need help? Visit our website https://picpay.com/

Capitalization Bond, incentive modality. ICATU CAPITALIZAÇÃO S/A. SUSEP Process No. 15414.652674/2025-66. Period: October 6, 2025, to November 21, 2025. For more information about the raffle, see the rules at www.picpay.com/chavedomilhao. PicPay Customer Service: 0800 025 8000. PicPay Ombudsman: 0800 025 2000. ICATU Customer Service: 0800 286 0109. Icatu Ombudsman – 0800 286 0047.

PicPay Payment Institution S.A., registered with the CNPJ/ME under No. 22.896.431/0001-10, headquartered at Avenida Manuel Bandeira, 291, Atlas Office Park Condominium, Block A, 1st floor - offices 22 and 23, 2nd floor and 3rd floor, and Block B, 3rd floor - offices 43 and 44, Vila Leopoldina, Municipality of São Paulo, State of São Paulo, Zip Code 05317-020

Ratings and reviews

Desculpa o review em Inglês. Faz tanto tempo que nem lembrava que o app era BR. Eu não tenho redes sociais. Me dá um meio de contato normal, por favor. Review original: All I want is to go in to cancel my account. It doesn't let me reset my password. It says I would receive an email in 30 minutes. I didn't receive any email. It scans my face and an error happens. I opened this account some 5 years ago and forgot it existed. All I want is to get rid of this!

For me, is the best bank of Brasil, app easy and clean, I realy love this bank.

Just don't lose your time. Worst payment app ever. Promos are not worth it, has a lot of bugs and the SAC is awful. Plus, all your transactions are published as public by default, so anyone with your username can track your activities. I had a major problem with uploading files, so tried SAC up to 4 times and every time they sent the same automatic message. In the last time, the staff made me wait an entire day and didn't solve my issue. This app is bad in so many levels.