The Gnosis Pay is a Visa debit card with a €0 (replacement card €4.99) fee, available in EU/UK/LATAM.
Gnosis is an Ethereum-focused company founded in 2015 by Martin Köppelmann and Stefan George that originated as a prediction-market protocol incubated within ConsenSys before spinning out independently. The operating entity Gnosis Limited is registered in Gibraltar with a development hub in Berlin, and the company has incubated products including Safe (the multisig smart-contract wallet) and Gnosis Pay.
The Gnosis Pay is a crypto debit card offered by Gnosis, available in EU/UK/LATAM. The annual fee starts at €0 (replacement card €4.99).
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| No cashback | 0% | The Intermediary Cashback Programme (1-4% GNO by GNO held in the Gnosis Pay Safe at 0.1/1/10/100 GNO, +1% with the OG NFT) closed to new eligibility on 30 Sep 2026, with a final distribution on 7 Oct 2026. No successor programme is published for the Gnosis Pay consumer card, which stops working on 20 Dec 2026 |
Gnosis Pay's consumer card, which this IBAN funds, stops working on 20 December 2026, and new signups go to partner apps. The personal IBAN is issued by Monerium EMI ehf (Iceland), not by Gnosis Pay or Monavate, and is attached to the user's own wallet; incoming EUR converts 1:1 to EURe on Gnosis Chain. It is receive-only inside Gnosis Pay: outbound bank transfers require Monerium directly or a partner wallet. IBAN access is gated more tightly than the card (EU and EEA cardholders plus a nationality whitelist).
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Gnosis Pay is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $0.00/mo cashback that nets a gain of about $0.00/mo ($0.00/yr). Gnosis Pay tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: CONSUMER CARD SHUTTING DOWN (2026-09-25): Gnosis Pay announced on 2026-09-22, dated 2026-09-21 by some coverage, that its consumer debit card and web app are discontinued from 2026-12-20 at 23:59 UTC, after which cards stop processing transactions and ATM withdrawals and app.gnosispay.com drops to withdrawal-only. Funds in the user's Gnosis Pay Safe are self-custodial and unaffected, with no withdrawal deadline. Cashback eligibility ended 2026-09-30 with a final distribution on 2026-10-07; the four GNO tiers (1%, 2%, 3%, 4% at 0.1, 1, 10 and 100 GNO) were replaced on 2026-10-01 by a single 0% row so rankings stop crediting a programme that has closed. Gnosis Pay's own properties corroborate the pivot: gnosispay.com now presents card-programme infrastructure for wallets and fintechs with no consumer pricing, gnosispay.com/card routes new signups to partner apps rather than to Gnosis Pay, and help.gnosispay.com carries a "Preparing for the new Gnosis Pay" section. Status is left active because the card still works until 2026-12-20; it should be moved to discontinued after that date. Gnosis Pay's help centre (checked 2026-10-03) points EUR cardholders to Rebind and USD cardholders to MiniPay, or Picnic in Brazil, with no destination yet for GBP cards, and states that cards issued through the Zeal app also stop by 2026-12-20. The rebind and minipay-card entries in this file are separate cards and are not affected by the shutdown itself. TIER NAMES (2026-09-01): the tier labels Base, Shrimp, Dolphin and Whale previously recorded here could not be found on any Gnosis Pay property. Gnosis Pay's own help centre identifies the tiers only by GNO threshold, so the tiers are now labelled by their thresholds. The rates and thresholds themselves were never in doubt and are unchanged. CORRECTION (2026-08-14): the Intermediary Cashback Programme was NOT discontinued on June 30, 2026 as previously recorded here. It ran from November 9, 2025 until September 30, 2026, funded by Gnosis Ltd. Tiers while it ran: ≥0.1 GNO 1%, ≥1 GNO 2%, ≥10 GNO 3%, ≥100 GNO 4%, +1% OG NFT bonus (max 5%), with GNO held rather than staked or locked, weekly GNO payouts, and weekly spend caps tied to GNO holdings that reset at 00:00 UTC on Sundays. No successor programme is published for the Gnosis Pay consumer card. Safe wallet integration. No transaction fees when spending: stablecoins are spent 1:1 (a EUR 10 purchase uses 10 EURe), and Gnosis Pay adds no fee for currency conversions. Gnosis Pay sponsors the gas fees for card transactions, so spending costs no user gas despite settling on-chain. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches. CARD FEE CORRECTED (2026-10-04): the EUR 30 one-time card fee previously recorded is not on Gnosis Pay's fee page, which lists the initial card with free shipping at no cost and a lost or stolen replacement at 4.99 EURe, GBPe or USDCe.
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The Gnosis Pay is a crypto debit card offered by Gnosis. It is available in EU/UK/LATAM and allows users to spend cryptocurrency at merchants worldwide.
The Gnosis Pay has an annual fee of €0 (replacement card €4.99). Additional fees: Conversion fee: 0% (no transaction fees; stablecoins spent 1:1); FX fee: 0% (Visa exchange rate, no Gnosis Pay markup); ATM: 5 free withdrawals or €200 a month, whichever comes first, then 2% per withdrawal.
The Gnosis Pay has the following limits: daily spending limit: EUR 8,000 (single transaction EUR 5,000); daily ATM withdrawal limit: EUR 500 (single withdrawal EUR 250). Limits can vary by account tier and verification level.
Supported assets include EURe, USDCe, BRLA; top-up methods include Self-custodial Safe smart account on Gnosis Chain, SEPA bank transfer (EUR to EURe via Monerium), USD transfer (to USDCe via Noah), BRL transfer (to BRLA via Avenia); crypto deposits are supported on Gnosis Chain.
Yes. Gnosis requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Gnosis Pay is available in EU/UK/LATAM.
The Gnosis Pay is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Gnosis Pay is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Gnosis Pay supports Apple Pay and Google Pay for contactless payments.
The Gnosis Pay is issued by UAB Monavate (EEA); Monavate Ltd (UK). Licences: EMI (Bank of Lithuania, EEA); EMI (Financial Conduct Authority, UK).
Yes, the Gnosis platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: no; transfer limits: IBAN inbound: EUR 950/day, EUR 5,000/week, EUR 20,000/month. Gnosis Pay's consumer card, which this IBAN funds, stops working on 20 December 2026, and new signups go to partner apps. The personal IBAN is issued by Monerium EMI ehf (Iceland), not by Gnosis Pay or Monavate, and is attached to the user's own wallet; incoming EUR converts 1:1 to EURe on Gnosis Chain. It is receive-only inside Gnosis Pay: outbound bank transfers require Monerium directly or a partner wallet. IBAN access is gated more tightly than the card (EU and EEA cardholders plus a nationality whitelist).
The Safe holding spendable funds is a self-custodial wallet owned by the user, explicitly not an e-money or payment account, and not covered by the EU deposit guarantee scheme.
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