Gnosis Pay Card
Gnosis Pay is a self-custody Visa debit card: you spend stablecoins (EURe, GBPe, USDC.e) from your own Safe wallet on Gnosis Chain, with no card or FX fee from the issuer. The consumer card and web app stop at 23:59 UTC on Dec-20, 2026; only withdrawals stay, and the GNO cashback programme already ended on Sep-30, 2026.
No partnership: we earn nothing from this card. Checked .
15Card Score, #31 of 36
−$11You keep a year
D51Trust points of 100
89%Key fields with a source
Plans side by side
| Price | |
|---|---|
| Monthly price | Free6No monthly fee is listed on the fee page |
| Virtual card fee | Free6,5Issuer fee page says card order is free; Paymentscan lists the virtual card as free |
| Physical card fee | Free6Issuer fee page: card order is free including shipping. Paymentscan and a review state EUR 30; the issuer page is marked legacy |
| Shipping | Free6Included in the free card order |
| Replacement | €4.996Lost or stolen card, includes shipping; currency not stated on the page |
| Staking needed | 06 |
| Rewards | |
| Cashback | 0%4The GNO cashback programme ended Sep-30, 2026 (final payout Oct-07, 2026); no cashback is offered now. Before that it ran 1% to 5% by GNO held |
| Paid in | GNO (programme ended)4,5 |
| Fees | |
| FX fee | 0%6Issuer: no currency conversion fee, Visa rate applies. Measured: about 0.47% worse than market in one EURe to PLN payment (see tests) |
| Crypto conversion fee | 0%6,7Spending is 1:1 from the stablecoin balance; swapping other assets into EURe is done outside the card |
| Free ATM a month | €20065 free withdrawals or 200 in total per month, whichever comes first |
| ATM fee | 2%6Per withdrawal after the free allowance |
| Limits | |
| Limit per payment | €5,0006 |
| Spend limit a day | €8,0006Rolling 24 hours |
| ATM limit a day | €5006 |
Real payments
FX markup paidPaymentscanAbout 0.47% worse than market, paying in PLN from EURe (in-app 4.27 vs market 4.29 PLN per EURe)5
What someone actually paid, which can differ from the advertised fee. Each test is one payment or a few, so treat it as a signal.
What you keep
FX fee on foreign spend−$11
Net a year, Standard plan−$11
$1,000 a month, 20% in a foreign currency, no staking. Change
Trust
Licence and regulator15 of 25
Issuer Monavate is a UK FCA electronic money institution. Lithuania fined its sister company in Dec 2025; Gnosis Pay was not among the partners named.2,10
Custody and fund protection14 of 20
Funds stay in your own Safe wallet, but a Jun 2026 flaw let an attacker start withdrawals.7,11
Incidents in the last 24 months3 of 20
Wallet flaw in Jun 2026, and the consumer card closes on Dec-20, 2026.11,3
Company
Legal entityGnosis Pay Co Ltd (UK company no. 14919639)1,2
HeadquartersUnited Kingdom1Inferred from the UK company registration; no head-office address published
Issuer and licence
Card issuerMonavate Limited1,2Named by the issuer's own site and press page. Gnosis Pay's terms also mention UAB Monavate (Lithuania); the BIN is Lithuanian per a review, so the exact EEA issuing entity was not confirmed
Program managerGnosis Pay Co Ltd1,2Performs onboarding and card provision on behalf of Monavate
The card
Statusclosing3,4The card and web app stop at 23:59 UTC on Dec-20, 2026. Only the withdrawal page stays open.
How custody worksFunds sit in the user's own Safe smart-contract wallet on Gnosis Chain; the Safe is authorised to spend the configured token. After closure the Safe stays yours and can be used with any Safe-compatible interface7,3
Settles inEUR6,8Spends the token configured on the account: EURe, GBPe or USDC.e; account currency decides what counts as an FX purchase
Funding
Crypto acceptedEUReGBPeUSDCUSDT7EURe, GBPe and USDC.e on Gnosis Chain; USDC and USDT on Celo (partner-API docs)
Fiat top-up
SEPA3,5Via a personal EUR IBAN linked to the wallet, provided by Monerium; availability by eligibility
SEPA3,5Via a personal EUR IBAN linked to the wallet, provided by Monerium; availability by eligibilitySpends fromStablecoin balance in the user's own Safe, 1:16,7
Payments
Contactless6Limit varies by country, physical card only
Online subscriptionsRecurring payments work until Dec-20, 2026 and then fail; they cannot be moved to another card3
Where it works
RegionsEurope (EEA)
United Kingdom5Third-party list; the issuer pages reviewed do not list countries
Europe (EEA)United Kingdom5Third-party list; the issuer pages reviewed do not list countries
United States5Third-party onlyUnited Kingdom5Third-party onlyAccount
Multi-currencyEURe, GBPe, USDC.e6
Security
Freeze card4Freeze/unfreeze in the web app, which closes Dec-20, 2026
Proof of reservesNot applicable: funds stay in the user's own Safe7
App
Reputation
Common complaintsCashback needed a GNO balance5
Common praiseSelf-custody with a personal IBAN, Near-zero FX on EUR and GBP9,5
Adoption
On-chain spend, all time$215,900,0005Third-party figure, about 4.04 million transactions
Incidents and changes
Sep 2026Gnosis Pay announced the consumer card and web app stop at 23:59 UTC on Dec-20, 2026; only withdrawals remain, and GNO cashback ended Sep-30, 2026.3,4,9shutdown
Jun 2026A flaw in the Safe delay module let an attacker start withdrawals from user wallets; cards were later restored, Safe addresses changed, and Gnosis Pay said affected users would be reimbursed.11,12hack
Dec 2025Bank of Lithuania ordered issuer UAB Monavate to stop working with several programme partners and fined it EUR 270,000; Gnosis Pay was not among the partners named in the channel post.10regulatory
More details
Closure timelineGNO cashback ends Sep-30, 2026 (final payout Oct-07, 2026); card and web app stop 23:59 UTC Dec-20, 2026; general support ends Jun-18, 2027; refund, dispute and chargeback support ends Jun-12, 20283,4
Partner cardsUsers can optionally move to partner cards (Rebind, Picnic, MiniPay); this is a new programme with new terms and a new Safe3
Former GNO cashback tiers1% at 0.1 GNO, 2% at 1, 3% at 10, 4% at 100, plus 1% with the OG NFT; programme ended5
Fee page statusThe issuer fee page is marked legacy6
Quick answers
What does the Gnosis Pay Card cost?
The Standard plan: Free a month, Free for a physical card.
How much cashback does the Gnosis Pay Card pay?
0% on the Standard plan, paid in GNO (programme ended).
What is the Gnosis Pay Card FX fee?
0% on the Standard plan.
Is the Gnosis Pay Card custodial?
Self-custody. Funds sit in the user's own Safe smart-contract wallet on Gnosis Chain; the Safe is authorised to spend the configured token. After closure the Safe stays yours and can be used with any Safe-compatible interface
Is the Gnosis Pay Card available in the US, the UK and the EEA?
US: no. UK: yes. EEA: yes.
How much do you keep with the Gnosis Pay Card?
−$11 a year on the Standard plan at $1,000 a month with 20% in a foreign currency, after every fee.
Sources
- Gnosis Pay home, issuer, Nov-05, 2026
- Gnosis Pay brand and press (issuer statement), issuer, Nov-05, 2026
- Formal notice: closure of the web app and card, issuer, Nov-05, 2026
- What stops and what continues, issuer, Nov-05, 2026
- Gnosis Pay on Paymentscan, paymentscan, Nov-05, 2026
- Understanding Your Card's Fees and Limits, issuer, Nov-05, 2026
- Tokens and Chains Supported, issuer, Nov-05, 2026
- Account Overview, issuer, Nov-05, 2026
- Finek channel post, Sep-22, 2026, community, Nov-05, 2026
- Finek channel post, Jul-04, 2026, community, Nov-05, 2026
- Finek channel post, Jun-02, 2026, community, Nov-05, 2026
- Finek channel post, Jun-07, 2026, community, Nov-05, 2026
Something wrong or out of date? Report it with a source.