Gnosis Pay Card is one of the few truly self-custodial Visa debit cards on the market, letting EU, UK and Swiss residents spend EURe, GBPe or USDCe directly from a Safe smart account at any Visa merchant. With no card fees, no FX markup from Gnosis, and up to 5% GNO cashback for token holders, the economics are hard to beat — especially for on-chain natives already earning in stablecoins. However, limited geographic coverage, stablecoin-only spending, a complex onboarding flow and mixed customer support reviews mean this card is better suited to crypto-savvy users than complete beginners.
The Gnosis Pay Card is a debit visa card linked to your Gnosis Pay account. You can spend stablecoins directly. Top up via bank_transfer, crypto, then spend anywhere visa is accepted. Earn 1–5% on all card purchases, paid in GNO weekly. Tiers: 0.1 GNO = 1%, 1 GNO = 2%, 10 GNO = 3%, 100 GNO = 4%. Scales linearly between thresholds. +1% OG NFT boost. cashback on purchases.
| Fee Type | Amount |
|---|---|
| Annual Fee | $0 |
| Monthly Fee | $0 |
| Issuance Fee | $30.23 |
| Conversion Fee | 0% from Gnosis. Only Visa FX spread applies on non-EUR/GBP transactions. |
| Foreign Exchange Fee | 0% added by Gnosis. Visa network FX rate applies (~0.2–0.4% vs interbank). |
| Top-up Fee | Free SEPA/GBP bank transfers and crypto top-ups. No deposit or off-ramp fees from Gnosis Pay. |
| ATM Free Limit | $200/mo |
| ATM Fee After Limit | 2% per additional withdrawal |
Note: Visa network FX spread typically ~0.2–0.4% on non-EUR/GBP purchases. Gnosis adds no markup. Note: one third-party reviewer reports a ~1.5% stabilization fee, but this is not mentioned in official Gnosis documentation.
Earn 1–5% on all card purchases, paid in GNO weekly. Tiers: 0.1 GNO = 1%, 1 GNO = 2%, 10 GNO = 3%, 100 GNO = 4%. Scales linearly between thresholds. +1% OG NFT boost. cashback on purchases. Rewards paid in GNO. Monthly cap: Tiered weekly spend cap based on GNO holdings (replaced flat cap system in Nov 2025)..
No native yield, but idle EURe/GBPe can earn DeFi yield via external integrations (Zeal Earn, Aave on Gnosis, etc.).
This tier is free to access — no staking, deposits, or spending requirements.
Single card program. Base 1% cashback with 0.1 GNO. Higher tiers (2–4%) unlocked by holding more GNO, scaling linearly between thresholds (e.g. 5.5 GNO ≈ 2.5%). Extra 1% via OG NFT. No lock-up — GNO can be sold at any time.
✓ Instant card freeze. Custody model: non-custodial.
Licenses: FCA (via Monavate Limited, FRN: 901097)
Gnosis Pay Co Ltd is a UK-registered company (No. 14919639). Card issued by Monavate Limited pursuant to licence by Visa Europe Limited. Monavate is authorised by the FCA as an Electronic Money Institution. EURe/GBPe issued as regulated e-money tokens by Monerium.
Top up your card with 3 cryptocurrencies. Fiat top-ups supported in EUR, GBP.
Available to residents of most EEA countries, the UK and Switzerland. Argentina and Brazil served via local partnerships. US and other regions on the roadmap.
Gnosis confirmed cashback rewards will continue beyond Jan 31 deadline while partners transition to optimised reward models. Native app (iOS/Android) announced for H1 2026.
Source →Intermediary Cashback Programme launched, replacing flat monthly cap with tiered weekly spend cap based on GNO holdings. Extended to March 31, 2026.
Source →Google Wallet support rolled out for EEA-issued Gnosis Pay cards. UK and Swiss cards remain unsupported for now.
Source →GIP-110 cashback programme launched with 10K GNO pool. Four tiers of cashback (1–4%) plus OG NFT bonus.
Source →Gnosis Pay Card is one of the few truly self-custodial Visa debit cards on the market, letting EU, UK and Swiss residents spend EURe, GBPe or USDCe directly from a Safe smart account at any Visa merchant. With no card fees, no FX markup from Gnosis, and up to 5% GNO cashback for token holders, the economics are hard to beat — especially for on-chain natives already earning in stablecoins. However, limited geographic coverage, stablecoin-only spending, a complex onboarding flow and mixed customer support reviews mean this card is better suited to crypto-savvy users than complete beginners.
Visit Gnosis Pay to get started with the Gnosis Pay Card.
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