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. Closure notice: Gnosis Pay is ending its consumer-facing services; the card and web app stop working at 23:59 UTC on 20 December 2026 (withdrawals from the Safe remain possible), and users are directed to partner apps for a new card.
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)
- Connects to independent wallets (MetaMask/Ledger)
- Gives you a full IBAN
Cons
- Consumer card and web app close: the Gnosis Pay card stops working at 23:59 UTC on 20 December 2026 (move to a partner app to keep a card)
- GNO cashback programme ended 30 September 2026
- 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
Card order is free (free shipping of the physical card); card replacement is 4.99 EURe/GBPe/USDCe (lost/stolen, includes shipping). No transaction fees or FX fees charged by Gnosis Pay (Visa rates apply). ATM: 5 free withdrawals or 200 units per month (whichever comes first), then 2% per additional withdrawal. Gas fees for card transactions are sponsored (free), but users pay gas for on-chain transfers (e.g. funding/defunding the Safe). The issuer now labels its fees article legacy/kept for reference while the consumer card winds down.
Limits & Conditions
ATM: 5 free withdrawals OR 200 units per month, whichever is reached first (2% after); daily ATM limit 500 and single withdrawal 250. Daily spending limit 8,000 (rolling 24h); single transaction limit 5,000. Contactless limit is country dependent (physical card only; reset via chip & PIN).
Crypto Capabilities
Security & Custody
Supported Assets
