Gnosis Pay Card
Issued by Gnosis Pay on the Visa network
- KYC required
- 5% cashback
- Self-custodial
- Physical
A self-custodial Visa card built on a Gnosis Safe smart-contract wallet — funds stay in your own on-chain account until spend, with a time-limited GNO-tiered cashback programme scheduled to end 2026-09-30.
Verdict
A genuinely self-custodial Visa card built on a Gnosis Safe smart-contract wallet — your funds sit in your own on-chain account until the instant you pay, issued by UK EMI Monavate Limited under FCA licensing. The cashback story needs a clear caveat: the current rate structure is an interim programme (GIP-110) that pays 1–5% in GNO depending on how much GNO you hold, running from November 9, 2025 through September 30, 2026 — meaning it is scheduled to end in about two weeks from this review's verification date. Check Gnosis Pay's own help center for what replaces it before counting on any specific rate.
- Best for: Users who want a Visa card that never takes custody of their funds and are comfortable holding GNO to unlock better cashback tiers before the current programme's end date
- Less suited to: Anyone who wants a stable, long-term cashback rate — the current 1–5% GNO-tiered programme is explicitly time-limited and scheduled to end September 30, 2026
At a glance
- Self-custodial — funds stay in your own Gnosis Safe smart-contract wallet until the moment of spend
- Visa network, issued by Monavate Limited (UK EMI, FCA-regulated)
- Interim cashback programme pays 1% at 0.1 GNO held, up to 4% at 100 GNO, plus a 1% OG NFT bonus for a 5% ceiling — scheduled to end 2026-09-30
- 0% FX fee on euro-denominated spending
- Virtual card is free; the physical card carries a one-time issuance fee (commonly cited around €30, though this figure comes from third-party reviews rather than a Gnosis Pay fee page we could independently confirm)
Who can get it
Gnosis Pay is built around EUR, GBP and USD-pegged stablecoins (EURe, GBPe, USDCe) and identity verification runs through Sumsub. The card is most clearly aimed at EU/EEA and UK users given its euro/sterling stablecoin focus; broader country-by-country eligibility isn't laid out in detail on the pages we could access — confirm your own country's availability directly with Gnosis Pay before applying.
How it works
- Set up a Gnosis Pay Safe (a smart-contract wallet you control) and complete Sumsub identity verification.
- Hold EURe, GBPe or USDCe in your Safe — and optionally GNO, to unlock a higher cashback tier under the current interim programme.
- Spend directly from your Safe on the Visa network; funds move at the point of sale, not before.
Strengths and trade-offs
Strengths
- True self-custody via a Gnosis Safe, not a custodial balance held by the company
- 0% FX fee on euro spending
- Visa acceptance with a regulated, FCA-licensed issuer behind it
- Cashback tiers can reach 5% for large GNO holders under the current programme
- Free virtual card, issued instantly
Trade-offs
- The attractive cashback tiers are explicitly a time-limited interim programme ending 2026-09-30 — verify what (if anything) replaces it before relying on this card for rewards
- The 4–5% tiers require holding a meaningful amount of GNO, not just spending on the card
- Cashback is paid in GNO, so its real-world value moves with GNO's own price
- Physical card issuance carries a one-time fee (commonly reported around €30, not independently confirmed by us on an official fee page)
- ATM withdrawals beyond 5/month or €200 equivalent carry a 2% fee
| Issuer | Gnosis Pay |
|---|---|
| Card network | Visa |
| Card type | Physical |
| KYC requirement | Full identity verification required |
| Cashback | 1–5% in GNO, tiered by GNO holdings (interim programme through 2026-09-30) |
| Annual fee | Free (virtual) / one-time issuance fee for physical (commonly reported ~€30, not independently confirmed on an official fee page) |
| Custody model | Self-custodial |
| Supported assets | EURe, GBPe, USDCe |
Every figure above was checked against Gnosis Pay's own card page on 2026-09-15. Terms, fees and rewards change frequently — confirm current details directly with the issuer before applying. We publish no star ratings of our own and take no payment for placement. This is not financial advice.
Common questions about the Gnosis Pay Card
Is Gnosis Pay actually self-custodial?
Yes — Gnosis Pay's own card page describes it as "Self-Custodial," with funds controlled via a Gnosis Safe smart-contract wallet you hold, not a balance the company custodies for you.
What's the current cashback rate?
Under the interim GIP-110 programme (Nov 9, 2025 – Sep 30, 2026), rates are tiered by GNO holdings: roughly 1% at 0.1 GNO, 2% at 1 GNO, 3% at 10 GNO, 4% at 100 GNO, plus a 1% bonus with an OG NFT for a 5% ceiling. This programme is scheduled to end in about two weeks from when this page was last verified — check Gnosis Pay's help center for the current terms before applying.
What network and who issues the card?
The card runs on Visa, issued by Monavate Limited, an Electronic Money Institution authorised and regulated by the UK's Financial Conduct Authority.
What currencies/stablecoins does it support?
Gnosis Pay is built around euro-, sterling- and dollar-pegged stablecoins — EURe, GBPe and USDCe — held in your own Gnosis Safe.
Are there ATM fees?
Gnosis Pay's help center describes up to 5 free ATM withdrawals per month, or €200/GBPe/USDCe equivalent, whichever comes first, with a 2% fee on withdrawals beyond that.
New to crypto cards? Read what is a crypto card? for how self-custodial cards like this one actually work.