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Gnosis Pay Card

A self-custody Visa card. No yearly fee. Not offered in the US. No FX fee on euros or pounds. Other currencies cost 1%.

Short answer: Gnosis Pay Card stops working at 23:59 UTC on 20 December 2026, and it's closed to new sign-ups.

Terms checked What to use insteadHow we work it out

What’s happening

Gnosis Pay is closing its own consumer card and web app. The card platform carries on through partner apps, which issue their own cards on their own terms.

  1. 21 Sep 2026Gnosis Pay gives formal notice of the closure
  2. 30 Sep 2026GNO cashback ends (the last payout came on 7 October)
  3. 20 Dec 2026The card stops working at 23:59 UTC, and the web app closes for everything except withdrawals
  4. 18 Jun 2027General cardholder support ends
  5. 12 Jun 2028Support for refunds, disputes and chargebacks ends

From Gnosis Pay's notice, read on 31 Oct 2026. What to use instead

What happens to your money

Nothing, as long as you have your key. Gnosis Pay is self-custodial, which means your EURe or GBPe sits in a Safe account on Gnosis Chain that you control with your own signer key. Gnosis Pay says there’s no deadline on withdrawing, and withdrawals keep working after the web app closes.

It still asks you to move your funds before 20 December, or at least check that you can open your Safe without its web app. Any app that works with Safe accounts can open it with the same key.

  • Download your transaction history, and note your card’s last four digits and expiry date.
  • Move subscriptions and other recurring payments to another card. Gnosis Pay says they’ll fail after the cut-off.
  • Withdraw from your Safe, or check you can open it in another Safe app with your signer key.
  • If you came through Zeal, take anything out of Zeal’s earn feature first. Zeal’s card services close by the same date.

Gnosis Pay's own option

Gnosis Pay points euro cardholders to Rebind, and US-dollar cardholders to MiniPay (or Picnic in Brazil). There’s no option for pounds yet. It says one is coming “in the coming weeks”.

Moving is optional, and it’s a new contract with the partner, with its own fees and rewards. We don’t track these apps yet, so they aren’t in the list below.

What to use instead

These are the self-custodial cards open in Europe and the UK, in order of what they pay back after fees, spend caps and FX.

In EuropeAt $2,000 a month, all of it in euros
  1. 1Tria CardMax (Metal), paid in USDT$61.17
  2. 2ether.fi CashCore, paid in ETHFI$60.00
  3. 3COCA CardStandard+ (1,000 COCA staked), paid in USDC or EURC$21.61
  4. 4BleapStandard, paid in USDC$20.00
  5. 5Kolo CardCashback, paid in BTC$0.00

2 of these charge an FX fee here, and it's taken off already. All 9 cards open in Europe

In the UKAt $2,000 a month, all of it in pounds
  1. 1Tria CardMax (Metal), paid in USDT$61.17
  2. 2ether.fi CashCore, paid in ETHFI$24.00
  3. 3Plasma OneCore, paid in XPL−$5.58
  4. 4COCA CardStandard+ (1,000 COCA staked), paid in USDC or EURC−$14.39
  5. 5XPlaceGold, paid in USDC−$21.75

5 of these charge an FX fee here, and it's taken off already. All 7 cards open in the UK

Gnosis Pay spent your euros or pounds as they were. Most crypto cards spend US-dollar stablecoins like USDC instead, so a purchase in euros or pounds gets converted, and some charge a fee on top. Those fees are in the numbers above, and our FX guide explains how they work.

When you move, send a small amount from your Safe first, on a network the new card accepts. Swapping one stablecoin for another can count as a sale for tax in some countries, and our tax guide has the basics.

a month in

All amounts in US dollars

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

Not offered in the US. These are the plans where it is.

  • No cashback (program ended 30 Sep 2026)

    Free, no cashback

What you keep as spend grows

Not offered to people in the US. Pick another country above to see what it pays there.

Every fee

There’s no yearly or monthly fee. Outside euros and pounds, spending costs 1.3%, Visa’s exchange rate included.

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 testing crypto cards with a week of everyday spending each from October and comparing what each card takes with the 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 . Where sources disagree, we go with the less generous reading.

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, each with its own terms: Rebind for euro cards, Picnic or MiniPay for US-dollar cards (no pound option yet)
KYC
Required
Funding
EURe or GBPe in a self-custodial Safe account on Gnosis Chain

Perks and benefits

  • Offers & credits
    None after 30 September 2026: the GNO cashback program ends then, with a final payout due 7 October 2026

Compare it and read more

Guides

Go to Gnosis Pay Card

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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, and crypto is volatile.

Gnosis Pay CardGo to Gnosis Pay Card

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