Our verdict
Best for: European DeFi users who want true self-custody with a working payment card
Gnosis Pay is the most genuinely self-custodial card we track: your funds stay in a Safe smart contract wallet until the moment you spend. The ~4% realistic cashback in GNO is the highest verified rate on the site for European users. The trade-off is complexity, it requires understanding of Gnosis Chain and Safe, and it's not available outside Europe and a handful of LatAm countries. If you're a DeFi-native European user, this is the standout pick.
Specifications
| Card network | Visa |
|---|---|
| Provider | Gnosis Pay Co Ltd (UK) / Monavate (issuer) |
| Funding model | Self-custodial: funds stay in your wallet until spent |
| Settlement currency | EUR |
| Available in | Europe + UK + Switzerland + Argentina + Brazil. Expansion planned: USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, India. |
| Supported chains | Gnosis Chain |
| Supported assets | EURe, GBPe, USDCe |
| Issuance fee | $33 |
| Monthly fee | $0 |
| FX markup | 1.5% |
| ATM fee | Free or not disclosed |
| Top-up fee | 0% |
| Cashback | Up to 5% in GNO (realistic ~2%) |
| Daily spend limit | $8000 |
| Monthly spend limit | , |
| Last verified | 2026-04-30 |
What to watch out for
- True self-custody via Safe smart contract wallet on Gnosis Chain
- no pre-conversion needed
- user controls keys
- €30 (~$33) one-time card fee
- transition from direct referrals to partner-led incentive programmes after Jan 31 2026
- KYC via SumSub/Fractal
Editorial notes
- No annual or monthly fees
- only 3 stablecoins supported (EURe/GBPe/USDCe)
- Gnosis Chain gas fees minimal
- unique architecture: system can deduct from your Safe but cannot custody
- daily spending cap user-set up to €8000
- expansion planned: USA Mexico Colombia Australia Singapore Thailand Japan Indonesia India
Frequently asked questions
Where is the Gnosis Pay Card available?
As of 2026-04-30, Gnosis Pay Card is available to residents of United Kingdom, Europe, and Latin America. Specific country list: Europe + UK + Switzerland + Argentina + Brazil. Expansion planned: USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, India..
How does the Gnosis Pay Card cashback work?
Gnosis Pay Card offers up to 5% cashback paid in GNO. Interim Cashback Programme (9 Nov 2025 to 30 June 2026): tiered by GNO held in Safe: Standard 0.1 GNO=1%, Pro 10 GNO=3%, Ultimate 100 GNO=4%; +1% bonus with OG NFT (max 5%); new tiered weekly spend cap (replaces flat cap). ~1.5% Stabilization Fee on transactions reduces net return. Paid weekly in GNO to your Safe wallet. €30/£30 one-time issuance fee. ATM: first €200/mo free, then 2%. Funded by Gnosis Ltd; partner-led programmes launching after June 2026. In practice, the realistic effective rate for most users is around 2%.
What are the fees on the Gnosis Pay Card?
Gnosis Pay Card has an issuance fee of $33, no monthly fee, a 1.5% FX markup on non-settlement-currency spend. See the spec table above for ATM and top-up fees.
Is the Gnosis Pay Card self-custodial?
Yes. With Gnosis Pay Card, your funds remain in your own wallet until each transaction is authorised. The card provider does not hold your assets.
Last verified 2026-04-30. Rates and availability change frequently. Always confirm with the issuer before signing up. See our methodology for how we collect and verify this data.