Base Card
- Cashback
- 0%
- Card material
- Standard plastic
- ATM free
- €200/£200 or 5 withdrawals per month
- Issuance fee
- €30.23
- Requirements
- None
- Standard card functionality
- Physical + virtual cards available
DeFi maxiMonavate Limited (UK) / UAB Monavate (EEA)visa● Live
Gnosis Pay Card
A self-custodial Visa debit card that spends stablecoins from a Safe wallet on Gnosis Chain.
The Gnosis Pay Card is a self-custodial Visa debit card that connects directly to a Safe Smart Account on the Gnosis Chain blockchain, allowing users to maintain complete control of their crypto assets while spending at any Visa-accepting merchant worldwide.
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Best for
Self-custody advocates in Europe/Brazil holding GNO to maximize up to 5% cashback.
Skip if
You need to spend assets other than EURe/GBPe/USDCe or live outside supported regions.
Network
visa
Custody
self custodial
KYC
full
Max cashback
5%
Min monthly fee
$0
Apple Pay
Yes
Google Pay
Yes
Physical card
Yes
The verdict
What we like
- Zero-fee for transactions and 0% FX fees.
- Up to 5% cashback paid weekly in GNO.
- Supports Apple Pay and Google Pay for mobile payments.
- Available in 34 countries including EU and Brazil.
Watch outs
- Weekly cashback caps limit rewards (e.g., €200 at 1%).
- Requires bridging funds to Gnosis Chain.
- €30.23 issuance fee (though often waived).
- Truly self-custodial via Gnosis Chain Safe wallet, but requires bridging funds.
- Offers up to 5% cashback in GNO, but rewards are capped weekly.
- Zero FX fees and Visa-network access, but blocked for car rentals.
Basic information
The Gnosis Pay Card is a self-custodial Visa debit card linked to a Safe smart account on the Gnosis Chain. It allows users to spend EURe, GBPe, and USDCe stablecoins directly from their wallet at any Visa merchant. The card features zero transaction or foreign exchange fees and offers a tiered cashback system up to 5% in GNO tokens. It is available in most of Europe, the UK, Argentina, and Brazil, and supports both Apple Pay and Google Pay.
Fees
The card has a transparent fee structure with no monthly or annual fees. Key fees include a one-time issuance fee of €30.23 (often waived), a 0% foreign exchange fee, and no charge for purchase transactions or crypto-to-fiat conversion. ATM withdrawals are free up to €200/£200 or 5 withdrawals per month, after which a 2% fee (minimum €1) applies.
Spending & ATM limits
- Notes
- Per ATM withdrawal maximum: €250/£250. Contactless tap-to-pay limit: 50 consecutive contactless transactions before PIN entry required (physical card). Mobile wallet payments not subject to 50-tap limit.
- Atm Daily
- €500/£500 maximum
- Atm Monthly
- €200/£200 or 5 withdrawals (free limit)
- Daily Spending
- €8,000/£8,000
- Per Transaction
- €5,000/£5,000
Features
Gnosis Pay provides both physical and virtual cards, with the option to personalize the physical card with an ENS domain name. It supports mobile payments via Apple Pay and Google Pay. For eligible European users, the card includes an IBAN for receiving and sending bank transfers. Security features include EMV chip and PIN, 3D Secure, and the ability to freeze/unfreeze the card via the web app.
Rewards
Gnosis Pay offers a tiered cashback system based on the user's GNO token holdings in their connected Safe wallet. Rewards are paid out weekly in GNO tokens. An additional 1% cashback bonus (for a total of up to 5%) is available to holders of an OG NFT who also maintain at least 0.1 GNO in their wallet. Cashback is not earned on transactions like ATM withdrawals, financial services, or utility bills.
| Tier | Rate | Up to |
|---|---|---|
| Base Card (0 GNO) | 0.00% | — |
| Tier 1 (≥0.1 GNO) | 1% | $200 |
| Tier 2 (≥1 GNO) | 2% | $500 |
| Tier 3 (≥10 GNO) | 3% | $1,000 |
| Tier 4 (≥100 GNO) | 4% | $2,000 |
Availability
Available in 34 countries including most European countries, UK, Argentina, and Brazil. Key regions missing: United States, Canada, Australia, Japan, South Korea.
Top-up & funding
- Crypto (EURe, GBPe, USDCe stablecoins on Gnosis Chain)
- IBAN bank transfer (where available)
- Bridging from other networks via Gnosis Pay web app
Transaction settlement occurs on-chain on Gnosis Chain, typically within seconds
Security & custody
- EMV chip and PIN protection
- Contactless with 50-tap limit before PIN required (physical cards)
- 3D Secure for online purchases
- Card freeze/unfreeze capability
- Transaction monitoring and AML screening
- Safe smart contract security architecture
- Multi-step fraud analysis for all transactions
- No magstripe transactions supported (security measure)
Risk note. Users are warned against manually modifying the Safe configuration, as this may disrupt card operations.
Mobile wallets
Apple Pay Supported
Google Pay Supported
Samsung Pay Not supported
Card tiers
Tier 1
- Cashback
- 1% in GNO
- Card material
- Standard plastic
- ATM free
- €200/£200 or 5 withdrawals per month
- Issuance fee
- €30.23
- Requirements
- ≥0.1 GNO in Card Safe
- Weekly GNO rewards
- Weekly spend cap for cashback: €200/£200/$200
Tier 2
- Cashback
- 2% in GNO
- Card material
- Standard plastic
- ATM free
- €200/£200 or 5 withdrawals per month
- Issuance fee
- €30.23
- Requirements
- ≥1 GNO in Card Safe
- Doubled cashback rate
- Weekly spend cap for cashback: €500/£500/$500
Tier 3
- Cashback
- 3% in GNO
- Card material
- Standard plastic
- ATM free
- €200/£200 or 5 withdrawals per month
- Issuance fee
- €30.23
- Requirements
- ≥10 GNO in Card Safe
- Premium-level cashback
- Weekly spend cap for cashback: €1,000/£1,000/$1,000
Tier 4
- Cashback
- 4% in GNO
- Card material
- Standard plastic
- ATM free
- €200/£200 or 5 withdrawals per month
- Issuance fee
- €30.23
- Requirements
- ≥100 GNO in Card Safe
- Maximum standard cashback
- Weekly spend cap for cashback: €2,000/£2,000/$2,000
OG NFT Holder
- Cashback
- +1% bonus (up to 5% total)
- Card material
- Standard plastic
- ATM free
- €200/£200 or 5 withdrawals per month
- Issuance fee
- €30.23
- Requirements
- OG NFT + ≥0.1 GNO in Card Safe
- Early access to features
- Exclusive events
- Partner perks
- Must hold both OG NFT and min. 0.1 GNO for bonus
Banking services
● Iban● Direct Deposit● Sepa Transfers
IBAN issued by Monerium ehf (regulated by Central Bank of Iceland). SEPA transfers for EUR accounts, Faster Payments for GBP accounts. Incoming bank transfers automatically converted to EURe/GBPe stablecoins in Safe. IBAN services currently limited to EU cardholders of certain nationalities. For IBAN-related issues, contact Monerium support separately.
What users say
Trustpilot
2.9/5.0 (17 ratings)
Strong ratings in comparative analyses - ranked #2 crypto card overall and #1 among non-custodial crypto cards. Customer service rated 9.8/10, significantly outperforming industry average of 7.6/10. Trustpilot rating not counted in overall assessment.
Risks & limitations
Risks
- MarketCashback rewards paid in volatile GNO tokens
- RegulatoryCard cannot be used in restricted countries due to international sanctions and regulations
Limitations
- moderateCurrently supports EURe, GBPe, and USDCe stablecoins only
- moderateAvailable only in Europe, UK, Argentina, and Brazil
- moderateCannot be used for car rentals, automated fuel pumps, gambling, pawn shops, or certain other merchant categories
- minorInitial setup requires bridging funds to Gnosis Chain - learning curve for crypto newcomers
- minorDirect referral program ended April 2025 (now partner-run only)
- minorWeekly cashback spending caps may limit rewards for high-volume spenders
- minorCard Safe configuration should not be manually modified
- minorNo magstripe transactions supported
- minorIBAN feature currently limited to EU cardholders of certain nationalities
Roadmap
Recently shipped
- Expanded to Latin America (Argentina, Brazil)
- Added USDCe support
- Direct referral program ended April 22, 2025 (now partner-run)
- Current Intermediary Cashback Programme runs November 9, 2025 through January 31, 2026
Planned
- Geographic expansion to USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, and India
- Partner-led incentive programmes launching after January 31, 2026
- Expanded banking features - potential extension of IBAN services to more users and regions
- Potential development of dedicated native applications for iOS and Android
Best suited for
Self-custody advocates who want to maintain control of their private keys while enjoying traditional payment convenience, GNO token holders who can maximize cashback benefits through the tiered rewards program, and international travelers from supported regions who benefit from zero FX fees and worldwide Visa acceptance.
Our verdict
The Gnosis Pay Card represents a significant innovation in the crypto card market through its genuinely self-custodial model. By allowing users to maintain full control of their private keys and assets while still enjoying the convenience of worldwide Visa acceptance, Gnosis Pay successfully bridges the gap between decentralized finance and everyday spending.
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