Gnosis Pay Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(25 reviews)Independently reviewed by Mihail B. · how we verify
Get Gnosis Pay CardCard Overview
Gnosis Pay is a self-custodial Visa debit card. You spend EURe, GBPe, or USDCe straight from a Gnosis Safe you control, so the keys stay with you until the purchase clears. Cashback runs up to 5% in GNO tokens, paid weekly, with tiers based on how much GNO you hold plus an OG NFT bonus. Gas is sponsored, Visa works at the usual 80+ million merchants, and there is no FX markup added by Gnosis Pay; Visa's wholesale rate is what applies on cross-currency purchases. Monerium handles the personal IBAN and SEPA rails, since it is a regulated e-money institution. Apple Pay and Google Pay both work. Direct access is European; LATAM rolls through partner wallets.
Sweepbase verdict: Gnosis Pay Card is worth a look mainly for its up to 5% cashback rewards and true self-custody — your keys remain yours until the moment of purchase. That makes it a practical choice for DeFi users and privacy-focused holders who want full control of their keys. One thing to check: an issuance fee (€30.23 (often waived via referrals)).
This is a Visa crypto card. It uses a self-custody model. It offers cashback rewards. Available in Europe. Available in the UK.
Fees & 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 |
These figures can change. Confirm the current fees, FX and network in Gnosis Pay’s official terms before you apply.
Features
- 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, 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)
Banking & Fiat Rails
Yes IBAN (Estonia, via Monerium); Yes SEPA; SWIFT not disclosed
Supported Cryptocurrencies
You can load the Gnosis Pay Card with 1 cryptocurrency token. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: Gnosis Chain (EURe, GBPe, USDCe via Monerium)
Who Is the Gnosis Pay Card Best For?
The Gnosis Pay Card is a good fit for DeFi users and privacy-focused holders who want to keep their own keys until they actually spend.
The Gnosis Pay Card pays Up to 5% in GNO tokens (0.1-100+ GNO holdings + OG NFT bonus) cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in 32 European countries; also Brazil via Picnic partner and Argentina via partners, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Up to 5% in GNO tokens (0.1-100+ GNO holdings + OG NFT bonus) cashback
- DeFi users who want to hold their own keys
- European users within EEA countries
Avoid if
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Gnosis Pay Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- World's first self-custodial Visa card (Safe Smart Account); 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
- Works wherever Visa is accepted worldwide
- Self-custody: you keep your private keys until you spend
- Covers the European Economic Area (EEA)
- Virtual card ready right away, no shipping wait
Cons
- Europe/UK only for direct access (LATAM via partners); 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)
- Only available in certain regions
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the Gnosis Pay Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Gnosis Pay account
~5 minutesGo to the Gnosis Pay website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Gnosis Pay verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with EURe, GBPe, USDCe stablecoins on Gnosis Chain (via Monerium) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Start spending immediately
InstantYour virtual Gnosis Pay Card shows up in the Gnosis Pay app right away. Use it online or add it to Apple Pay / Google Pay for tap-to-pay in stores.
Requirements
Regional Availability
Available Across the EEA
The Gnosis Pay Card covers all 27 EU member states plus Iceland, Liechtenstein, and Norway. If you're in the UK, check with the issuer about post-Brexit availability.
Key supported countries:
Frequently Asked Questions
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