Image: Gnosis Pay
Gnosis Pay Visa Card review: fees, cashback and limits
A self-custody Visa for euros and pounds that is closed to new users and winding down by the end of 2026.
Quick answer
Gnosis Pay is no longer open to new users. It stopped new card sign-ups and ended its GNO cashback on 30 September 2026, and its own Visa cards are being wound down by the end of 2026 as users move to partner apps such as Rebind for euros. If you already have a card it keeps working for now, with no FX markup and free ATM use up to €200 or 5 withdrawals a month. Your funds sit in your own Safe, so you can always withdraw them.
Gnosis Pay at a glance
| Best for | Existing Gnosis Pay users planning their move to a partner app before the card winds down. |
|---|---|
| Skip it if | You're choosing a new card. Gnosis Pay no longer accepts new sign-ups. |
| Network | Visa |
| Card issuer | Monavate |
| Custody | Self-custody (a Safe smart account you control) |
| Card type | Debit |
| Virtual or physical | Physical (plus mobile wallets) |
| Cashback | Ended 30 September 2026 |
| Annual fee | No annual fee listed |
| Apple Pay / Google Pay | Yes / Yes |
| Identity check (KYC) | Required |
| Where it works | Closed to new sign-ups since 30 September 2026. Existing cards were issued mainly in the EEA and UK, plus some Latin American countries. |
Gnosis Pay fees
| Card cost | €30.23 card purchase including shipping. Replacement for lost, stolen or damaged cards £/€4.99. |
|---|---|
| Annual or membership fee | No annual fee listed |
| FX and cross-border | No FX markup from Gnosis Pay. Choose local currency at the terminal for the best rate. |
| Crypto conversion | None when spending EURe, GBPe or USDCe |
| ATM withdrawals | Free up to £/€200 or 5 withdrawals a month, whichever comes first. After that 2% per withdrawal (minimum £/€1). |
Visa applies its own exchange rate on top of any card markup. Check the fee page in the Gnosis Pay app for your country before you load money. To see what Gnosis Pay would cost you in a year compared with every other card, try the cost calculator.
What a $100 purchase costs with Gnosis Pay
These are Gnosis Pay's own fees on the Standard tier, before the card network's exchange rate and any ATM or top-up costs. For a full year based on your own spending, use the cost calculator.
Cashback and rewards
- GNO cashback ended on 30 September 2026
- Before that it paid 1% to 4% in GNO depending on GNO held, plus 1% with an OG NFT
Deposits and withdrawals
How to top up
- Send EURe, GBPe or USDCe to your Gnosis Pay Safe on Gnosis Chain
- Bank transfer to your personal IBAN, which converts to EURe or GBPe
Fees: No top-up fee listed for stablecoin or IBAN deposits. Gnosis Chain network fees are very small.
How to withdraw
- Send funds from your Safe to any wallet
- Bank transfer out through your IBAN
- ATM cash withdrawals
Fees: ATM 2% beyond the free monthly allowance. Small Gnosis Chain gas fees for onchain moves.
Supported assets: EURe, GBPe and USDCe on Gnosis Chain.
Where Gnosis Pay works
Closed to new sign-ups since 30 September 2026. Existing cards were issued mainly in the EEA and UK, plus some Latin American countries.
No new cards are being issued. For euros, Gnosis Pay points users to Rebind on Gnosis Chain. For pounds, no Gnosis Chain partner supports GBP yet.
Limits and perks
Limits
- Spending: £/€5,000 per transaction, up to £/€8,000 per day
- ATM: £/€250 per transaction, £/€500 per day
Perks
- Personal IBAN for euro and pound transfers
- Self-custody Safe smart account that you control
Pros and cons
What's good
- Real self-custody: funds stay in your own Safe smart account, and you can always withdraw them
- No FX markup from Gnosis Pay
- Your account and IBAN can move to a partner app such as Rebind
What's not
- Closed to new sign-ups since 30 September 2026
- Gnosis Pay cards are being wound down by the end of 2026
- GNO cashback has ended
- Moving to a partner gives you a new card and Safe address, and recurring payments need updating
Our take on Gnosis Pay
Gnosis Pay was one of the first real self-custody cards in Europe. Your money lived in a Safe smart account on Gnosis Chain that you controlled, and a personal IBAN let you send euros or pounds in, have them turn into EURe or GBPe, and spend them with the Visa card the same day.
That product is ending. Gnosis Pay stopped new web app sign-ups on 4 September 2026, then stopped new card sign-ups and ended GNO cashback on 30 September. Its own cards are being wound down by the end of 2026, with reports citing 20 December, as card services move to partner apps on Gnosis Chain.
If you already have a card, it keeps working until you move or until the wind-down. For euros, Gnosis Pay points users to Rebind, which can take over your account and IBAN, though you get a new card and a new card Safe address. There's no Gnosis Chain partner for pounds yet. Because this is self-custody, you can always withdraw your funds from your Safe, even after the web app closes.
If you're choosing a new card, look elsewhere. Bleap, COCA and Deblock cover much of the same ground in Europe.
Closed to new users and winding down by the end of 2026. Existing users should plan their move to a partner app and keep only what they need on the card.
How much people spend with Gnosis Pay
Spending trackerHow we scored Gnosis Pay: 5.4/10
MethodologyRecent Gnosis Pay updates
All newsGnosis Pay closes to new cardholders and ends GNO cashback
Gnosis Pay stopped new card sign-ups and ended GNO cashback on 30 September 2026. Its own consumer cards are being wound down by the end of 2026 as users move to partner apps such as Rebind, which runs on the same infrastructure. Funds in users' Safes can always be withdrawn.
Gnosis Pay FAQ
Is Gnosis Pay shutting down?
Its consumer card is. Gnosis Pay stopped new card sign-ups and ended GNO cashback on 30 September 2026, and its own cards are being wound down by the end of 2026 as users move to partner apps such as Rebind.
Can I still get a Gnosis Pay card?
No. New card sign-ups stopped on 30 September 2026 and no new cards are issued on existing accounts.
What happens to my funds?
They stay in your own Safe smart account. Gnosis Pay says you will always be able to withdraw them, and the web app's withdraw function stays open after the app is discontinued.
What should I switch to?
For euros, Gnosis Pay points to Rebind on Gnosis Chain, which can carry over your account and IBAN. If you're starting fresh, compare Bleap, COCA and Deblock.
Sources
- Gnosis Pay Help: Is Gnosis Pay shutting down?Sign-up stop, cashback end, wind-down and partner migration, checked 17 Oct 2026
- SpendNode: Gnosis Pay shuts down consumer cardReported 20 December 2026 cutoff, 25 Sep 2026
- Gnosis Pay Help: Fees and limitsCard price, ATM fees, spending limits
- Gnosis Pay Help: GNO cashback, how it worksCashback tiers, OG NFT bonus, payout timing
- DefiLlama card details: Gnosis PayFX, issuer, countries, verified Aug 30, 2026
We checked these sources on 17 October 2026. Fees and rewards change often. Spotted something out of date? Report a correction and we'll check it within two working days.
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