How much does it yield? 5,000 reais per month on PicPay? See how much this and other amounts earn you!

PicPay is a Brazilian payments app launched in 2012. The app allows users to pay and receive money instantly, as well as perform other financial transactions such as cell phone top-ups, bill payments, and online purchases.

Furthermore, for those who want to earn income from their money, PicPay is an interesting digital wallet that will give you more income than a savings account!

So, if you want to know how much R$1,000 (R$4,000) earns on PicPay or want to find out more about the amounts and investments you can make in this digital wallet, follow the article for more information.

See what you will find in this article:

• How much does 5,000 reais yield on PicPay per month?
• How much does 200 reais earn on PicPay?
• How much does 30 thousand earn on PicPay?
• How much does 50 thousand earn on PicPay?
• How much does 100 thousand earn on PicPay?
• How much does 250 thousand earn on PicPay?
• How much does 300 thousand earn on PicPay?
• How much does 400 thousand earn on PicPay?
• How much does 500 thousand earn on PicPay?
• Picpay income table
• Are there any fees charged on these investments?
• Can I withdraw income from Picpay at any time?
• Is it worth investing in Picpay?
• How to make money with Picpay?
• Frequently asked questions

How much does 5,000 reais yield on PicPay per month?

PicPay offers a return of 102% of the CDI on business days. The amount starts earning interest on your money once it has been in the account for at least 30 days.

This rate is higher than others on the market, especially higher than savings accounts, allowing you to have a higher return and allow your money to grow more and more in your digital wallet.

If you invest R$1,000 for 12 months in PicPay, you will have the following return based on this calculation:

• Initial investment: R$ 5 thousand
• Monthly investment: R$ 5 thousand
• Total investments: R$ 65 thousand
• Investment time: 12 months
• Gross value with income: R$ 69,363.34
• Net value (after taxes): R$ 68,490.67
• Taxes: R$ 872.67

Please note that the values already include taxes that will be deducted.

With this, you will have a total of R$ 68,490.67 considering the income within 12 months when investing R$ 5 thousand in PicPay.

How much does 200 reais earn on PicPay?

The minimum return on PicPay is R$1.00. But how much would the return be if you decided to invest R$200 in PicPay? Check out our table with the values below:

• Initial investment: R$ 200.00
• Monthly investment: R$ 200.00
• Total investments: R$ 2,600.00
• Investment time: 12 months
• Gross value with income: R$ 2,774.53
• Net value (after taxes): R$ 2,739.63
• Taxes: R$ 34.91

How much does 30 thousand earn on PicPay?

See now how much R$ 30 thousand yields on PicPay considering an income within 12 months.

• Initial investment: R$ 30 thousand
• Monthly investment: R$ 30 thousand
• Total investments: R$ 390,000.00
• Investment time: 12 months
• Gross value with income: R$ 416,180.03
• Net value (after taxes): R$ 410,944.02
• Taxes: R$ 5,236.01

How much does 50 thousand earn on PicPay?

If you're looking to make a larger investment, how about investing R$50,000 in PicPay? Here's what the investment simulation looks like with this amount:

• Initial investment: R$ 50 thousand
• Monthly investment: R$ 50 thousand
• Total investments: R$ 650,000.00
• Investment time: 12 months
• Gross value with income: R$ 693,633.38
• Net value (after taxes): R$ 684,906.70
• Taxes: R$ 8,726.68

How much does 100 thousand earn on PicPay?

See now how much income you will get by investing R$100,000 in PicPay for 12 months:

• Initial investment: R$ 100 thousand
• Monthly investment: R$ 100 thousand
• Total investments: R$ 1,300,000.00
• Investment time: 12 months
• Gross value with income: R$ 1,387,266.76
• Net value (after taxes): R$ 1,369,813.41
• Taxes: R$ 17,453.35

How much does 250 thousand earn on PicPay?

Now consider investing a total of R$250,000 per month in PicPay for 12 months. You'll have the following amounts:

• Initial investment: R$ 250 thousand
• Monthly investment: R$ 250 thousand
• Total investments: R$ 3,250,000.00
• Investment time: 12 months
• Gross value with income: R$ 3,468,166.89
• Net value (after taxes): R$ 3,424,533.51
• Taxes: R$ 43,633.38

How much does 300 thousand earn on PicPay?

If you decide to invest R$300,000 in PicPay, you will have the following return:

• Initial investment: R$ 300 thousand
• Monthly investment: R$ 300 thousand
• Total investments: R$ 3,900,000.00
• Investment time: 12 months
• Gross value with income: R$ 4,161,800.27
• Net value (after taxes): R$ 4,109,440.22
• Taxes: R$ 52,360.05

How much does 400 thousand earn on PicPay?

Now, see a simulation of how much R$ 400 thousand invested in PicPay yields:

• Initial investment: R$ 400 thousand
• Monthly investment: R$ 400 thousand
• Total investments: R$ 5,200,000.00
• Investment time: 12 months
• Gross value with income: R$ 5,549,067.03
• Net value (after taxes): R$ 5,479,253.62
• Taxes: R$ 69,813.41

How much does 500 thousand earn on PicPay?

If you decide to invest R$500,000 per month in PicPay, see how much return you'll get from the earnings:

• Initial investment: R$ 500 thousand
• Monthly investment: R$ 500 thousand
• Total investments: R$ 6,500,000.00
• Investment time: 12 months
• Gross value with income: R$ 6,936,333.78
• Net value (after taxes): R$ 6,849,067.03
• Taxes: R$ 87,266.76

Picpay income table

PicPay uses CDI-based returns. You receive 102% of the CDI, calculated daily within business days.

In general, this means that if you invest R$ 1,000.00 in the PicPay Wallet, with a yield of 102% of the CDI, you will receive R$ 171.44 in yield in one year. This represents a percentage yield of 12.44%. See the table below for how the calculation is done:

From this table, you can calculate other amounts you want to invest.

Are there any fees charged on these investments?

PicPay doesn't charge fees on your balance's earnings. According to the law, only income tax is deducted, which is withheld before the amount is transferred to your wallet.

This way, the amount available in your portfolio belongs entirely to you. As for IOF, it is exempt for new amounts added, since the income from this balance is received after 30 days.

Can I withdraw income from Picpay at any time?

A major advantage of PicPay is that your funds are available to you 24/7! This means you can withdraw your money whenever you need it.

However, it's important to remember that for your money to start earning interest with PicPay, it must be in your account for at least 30 days. Therefore, if you withdraw before then, the earnings won't be released to you.

Is it worth investing in Picpay?

It is common to come across investment options that offer daily liquidity, providing a return equivalent to 100% of the CDI, all associated with a level of risk considered low.

However, what sets PicPay apart in the financial landscape is its ability to outperform these conventional options, yielding at a rate of 102% of the CDI while also ensuring immediate liquidity.

This advantage means that the amounts deposited in the customer's account are available for transfer at any time they wish.

Additionally, PicPay further simplifies the process by eliminating the need to invest in specific financial products.

The income offered by PicPay is directly applied to the account balance, eliminating the complexity of choosing between different investment instruments.

This not only simplifies the user experience but also allows the customer to maximize their earnings without requiring detailed knowledge of the financial market.

In other words, with all these options, it is definitely worth investing in PicPay and ensuring a return on your money.

How to make money with Picpay?

Besides cash investments, there are a few ways you can make money with PicPay. Check it out!

Referring Friends to Earn on PicPay

PicPay stands out among apps that offer benefits through friend referrals. By sharing your personalized link, you can earn R$ 10 for each successful referral.

For both parties to receive the prize, it is crucial to follow some steps in the rules, including registering the person referred with the promotional code and making a minimum payment of R$ 20 via credit card within the first 7 days.

Making referrals is straightforward. Just follow these steps:

1. On the PicPay home screen, find the “Available Promotions” option.
2. Tap “Refer Friends” or “Invite Your Friends”.
3. Choose the “Your Code” option on the same promotions screen.
4. The code will be copied automatically, allowing you to share it with anyone who isn't yet registered on the platform.

The reward will be received within 48 hours of the referral making the minimum payment with their credit card. Furthermore, the promotion is cumulative, allowing you to earn R$10 for each new referral.

Cashback

Cashback is an effective way to earn money using PicPay. The app frequently notifies its users about current promotions that offer cashback. Some common ways to take advantage of this opportunity include:

• Receive from R$ 5 to R$ 10 when paying bills through the app.
• Get 5% to 20% cash back on installment bills.
• Earn between 5% to 10% when paying bills with your credit card.
• Receive from 5% to 15% when making payments to friends, and much more.

It is essential to pay attention to the expiration dates of these promotions to ensure you get your money back.

An important detail: the cashback received in your PicPay account also yields the same amount of money invested.

PicPay Card: earn money by buying

The PicPay Card, the platform's card, offers the opportunity to earn cashback on every purchase made.

It's crucial to pay attention to communications sent by the fintech, including emails and notifications, so you don't miss any promotions.

Keeping data up to date is equally important, as each promotion has specific rules.

Cashback at Partner Stores

PicPay's partnership with some stores allows you to earn cashback. After making a purchase, the partner store has a deadline to inform the platform:

• For payments made by card, Pix, or transfer, the store has up to 2 days to notify you.
• For payments made by bank slip, the notice period is up to 4 days.

Games to Make Money with PicPay

With technological advancements, making money from games has become a reality. Some games that offer financial gains on PicPay include MakeMoney, Cash Pirate, Game Station, and AppKarma, among others.

With MakeMoney, for example, you accumulate points that can be exchanged for real money in your PicPay account. Explore these options and turn your leisure time into financial opportunities.

Frequently asked questions

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