Gnosis Pay Card Review 2026
Reviewed by Mihail B. in · how we verify
Algorithmic score, not user reviews: how it is calculated
Closed to new applicants since . Cards you can still get
Fees and limits
| Issuance fee | €30.23 (often waived via referrals) |
|---|---|
| Annual fee | Free |
| FX fee | 0% FX markup from Gnosis Pay: only Visa's wholesale exchange rate is applied (no additional foreign transaction fee) |
| ATM limit | €200/month or 5 withdrawals free; then 2%; daily ATM cap €500 |
| Spending limit | €8000/day |
Features
- Cashback: Up to 5%
The fine print
- GNO-staked tiers: >=0.1 GNO 1%, >=1 GNO 2%, >=10 GNO 3%, >=100 GNO 4%
- +1% with OG NFT
- Programme ends 30 September 2026 at 23:59 UTC across all partners, final distribution 7 October 2026
- Partner-led successors promised after
- KYC: Yes
- Card type: Virtual + Physical
- Top up with: EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium)
- Available countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece…
Full list
… Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Switzerland (plus Brazil and Argentina via partner wallets)
Who issues the Gnosis Pay Card
The Gnosis Pay Card is issued by Monavate Limited + UAB Monavate, UK (FCA 901097) + Lithuania (Bank of Lithuania). The issuer is named in the source linked below.
Primary source · All cards issued by Monavate Limited + UAB Monavate · Why the issuer matters
Pros and cons before it closed
Pros
- World's first self-custodial Visa card (Safe Smart Account)
The fine print
- Zero gas fees (gasless UX)
- 0% FX markup (Visa wholesale rate only)
- Up to 5% GNO cashback with OG NFT bonus
- Monerium IBAN and SEPA
- Apple Pay and Google Pay
- No annual maintenance fee
Cons
- Europe/UK only for direct access (LATAM via partners)
The fine print
- Stablecoins only (EURe/GBPe/USDCe)
- Daily limit €8,000 (below market average)
- GNO cashback volatile
- No car rentals or automated fuel pumps
- Card issuance fee: €30.23 (often waived via referrals)
Regional availability
Was available across the EEA
32 European countries; also Brazil via Picnic partner and Argentina via partners.
Was available in these regions:
Banking and fiat rails
Card overview
Gnosis Pay closed to new sign-ups on 30 September 2026. Web-app sign-ups had been disabled since 4 September. Its formal notice of 21 September 2026 set the rest of the calendar: GNO cashback ended at 23:59 UTC on 30 September across all partners with a final distribution on 7 October, and the card and web app stop working on 20 December 2026. Gnosis Pay promises unnamed "partner-led" programmes afterwards, at rates nobody has published, and points its own cardholders to Rebind; Rebind users move to a new Monavate partner programme with its own terms.
Until 20 December, custody is what the card still gives the people who hold one. The money sits in a user-controlled Safe smart-contract account on Gnosis Chain, debited on-chain at the moment of payment, so the holder has the keys, not a custodian, and Monavate issues the Visa Debit. The cashback that ended on 30 September was a Gnosis-funded subsidy (GIP-110) that scaled with GNO held: 1% at 0.1 GNO up to 4% at 100 GNO, plus a 1% OG NFT bonus for a ceiling of 5%, paid weekly in GNO under a tiered weekly spend cap.
The card cost about €30 to issue, often waived through referrals, and there is no annual fee. Gnosis Pay adds no FX markup, but settlement is euro-centric, so non-euro spenders still pay Visa's own exchange rate. The first €200 or five ATM withdrawals a month are free, then 2%, with a €500 daily cap, and a personal IBAN from Monerium comes with the account. The card was sold in 32 European countries (the EEA, the UK and Switzerland), plus Brazil through Picnic and Argentina through partners.
It now matters only to existing holders in those places, whose cards keep working until 20 December 2026. Nobody else can order one.
