Gnosis Pay Card
by Monavate Ltd
The Gnosis Pay Card is the world's first self-custodial Visa debit card. Instead of depositing funds into a bank account, you hold them in your own Safe Smart Account on the Gnosis Chain. The user controls this Safe using their own 'independent' wallet (like MetaMask, Ledger, or Rainbow) as the key/signer. This means the card issuer does not hold the user's private keys. Spending is done in stablecoins (EURe, GBPe, USDCe). The user must fund the Safe from their linked wallet or via IBAN
Unique Features
- Connects to independent wallets (Signer)
- Safe Smart Account architecture
- On-chain transparency
Pros
- True self-custody (funds are in your Safe)
- No FX fees or transaction fees from Gnosis
- Gasless spending (sponsored)
- High rewards potential (up to 5% in GNO)
- Connects to independent wallets (MetaMask/Ledger)
- Gives you a full IBAN
Cons
- Card issuance fee (30.23)
- Strictly limited to Gnosis Chain stablecoins (EURe, GBPe, USDCe)
- Requires Web3 knowledge (wallets, bridges)
- No native mobile app (web app only)
Integrations & Tech
Available In (35)
Tier Comparison
Base
0% CashbackFee Structure
ATM Capabilities
Detailed Fee Structure
5 withdrawals OR 200 units/month free, whichever first
Detailed Limits
Fee Details
Issuance fee is 30.23 (includes shipping). No transaction fees or FX fees charged by Gnosis Pay (Visa rates apply). ATM fees apply after free allowance. Gas fees for card transactions are sponsored (free), but users pay gas to fund/defund the wallet.
Limits & Conditions
ATM Free limit is 5 withdrawals OR 200 units per month, whichever is reached first. Single transaction limit is 5,000. Contactless physical limit is 50 (reset via chip & pin).
Crypto Capabilities
Security & Custody
Supported Assets
