Gnosis Pay Card
A self-custody Visa card. No yearly fee.
- Terms checked 27 Sep 2026
- Visa
- Debit
- Self-custody
- Apple Pay and Google Pay
- No FX fee abroad
- Free plan
Not offered to people in the US. Pick another country above to see what it pays there.
Not available in the US
Pick a plan
- Highest at this spend
No cashback (programme ended 30 Sep 2026)
Free, no cashback
$0.00 a month, 0.0%
What you keep as spend grows
Hover the line to see other amounts.
Show as a table
| Monthly spend | What you keep | Plan |
|---|---|---|
| $250 | 0% | No cashback (programme ended 30 Sep 2026) |
| $500 | 0% | No cashback (programme ended 30 Sep 2026) |
| $750 | 0% | No cashback (programme ended 30 Sep 2026) |
| $1,000 | 0% | No cashback (programme ended 30 Sep 2026) |
| $1,500 | 0% | No cashback (programme ended 30 Sep 2026) |
| $2,000 | 0% | No cashback (programme ended 30 Sep 2026) |
| $2,500 | 0% | No cashback (programme ended 30 Sep 2026) |
| $3,000 | 0% | No cashback (programme ended 30 Sep 2026) |
| $4,000 | 0% | No cashback (programme ended 30 Sep 2026) |
| $5,000 | 0% | No cashback (programme ended 30 Sep 2026) |
| $6,000 | 0% | No cashback (programme ended 30 Sep 2026) |
| $7,500 | 0% | No cashback (programme ended 30 Sep 2026) |
| $10,000 | 0% | No cashback (programme ended 30 Sep 2026) |
Every fee
- Yearly fee
- None
- FX fee
- 0% FX markup (June 2026 research, rated high confidence then). Some reviews mention a ~1.5% 'EURe stabilisation fee' that does not appear on the official fee page
- Conversion fee
- $0
- Topping up
- EURe or GBPe held in your own Safe account on Gnosis Chain
- ATM withdrawals
- Reported: 5 free withdrawals or 200 EURe a month, then 2% per withdrawal (June 2026 research, not re-checked)
- Card issue
- Card orders were free (Gnosis Pay's fees article); direct orders have now closed and the card and web app are being shut down
- Monthly fee
- $0
Our own test
We're buying things with crypto cards in AUD, USD, EUR and GBP from October and comparing what each card takes with the mid-market rate. What this card actually charges will show here and in our Q4 report.
Where these numbers come from
Gnosis Pay Card's published terms, checked 27 September 2026. Where sources disagree we use the less generous reading.
- Monavate cardholder terms (EEA)Terms
- Monavate cardholder terms (non-EEA)Terms
- Gnosis Pay formal notice: card and web app closure (21 September 2026)Terms
- Gnosis Pay card fees and limitsFee schedule
- Gnosis Pay cashback terms (programme ends 30 September 2026)Terms
Our research notes
Updated 2026-09-27 from the founder's tracker (sources: Crypto Briefing 2026-09-24 on the shutdown, gnosispay.com/card, and the official eligible-countries help article via search result) and the project's June 2026 research log. STATUS: the schema has no 'closed to new sign-ups' value. 'dead' is the closest fit because the Gnosis Pay-branded card cannot be ordered directly any more (gnosispay.com/card points new users to partner apps) and it stops working at 23:59 UTC on 20 December 2026; existing cards still work until then and the underlying card platform continues through partner apps (MiniPay, Zeal, Picnic Brazil and others) with their own terms. MODELLED TERMS: per the rule that changes effective before 15 October 2026 are modelled, this file shows the post-30-September terms, i.e. no cashback. The interim GNO cashback (1-4% by GNO held, +1% OG NFT) ends 30 September 2026 with a final payout on 7 October 2026. No official shutdown post was found (the help centre blocks automated readers); the shutdown is reported by Crypto Briefing, PANews and The Defiant with notice dates of 21, 22 or 25 September. FX: modelled at 0% per the June 2026 research (rated high confidence then, not re-checked this pass). Some reviews mention a ~1.5% 'EURe stabilisation fee'; it is not on the official fee page and could not be traced to a Gnosis Pay document, so it is not modelled. Verify it before publishing any fee comparison. availableIn lists EU and UK because that is where the card was issued and where existing cards still work; nobody can order the own card directly now. ATM terms, the EUR 30 card price and Apple/Google Pay come from June 2026 research and were not re-verified.
What's good and what to watch
Good
- Self-custodial: you spend straight from your own Safe account
- 0% FX markup
- Funds remain withdrawable from the Safe account after the card closes
Watch
- Closed to new sign-ups; the consumer card and web app stop working on 20 December 2026
- No cashback on spend from 1 October 2026
- Cashback was paid in GNO, a volatile token, and the higher rates needed 1 to 100 GNO held
- Europe only (EEA, UK, Switzerland); never available to US residents
At a glance
- Network
- Visa
- Custody
- self-custodial
- Card type
- debit
- Form
- Physical & virtual
- Mobile wallets
- ✓ Apple Pay✓ Google Pay
- Chains
- Gnosis Chain
- Tokens
- EUReGBPe
- Availability
- Own consumer card: EEA, UK and Switzerland, closed to new sign-ups and shutting at 23:59 UTC on 20 December 2026, The card platform continues through partner apps (e.g. Zeal, MiniPay, Picnic in Brazil), each with its own terms
- KYC
- Required
- Funding
- EURe or GBPe in a self-custodial Safe account on Gnosis Chain
Perks and benefits
- Offers & creditsNone after 30 September 2026: the GNO cashback programme ends then, with a final payout due 7 October 2026
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General information only. These figures are calculated from the spend you enter and the card terms we've collected. We haven't considered your objectives, financial situation or needs, and this isn't a recommendation. Consider whether a card suits you and read the provider's terms before applying. Figures are estimates; terms change; crypto is volatile.
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