Why it stands out
- Spend supported stablecoins from a dedicated Gnosis Card Safe.
- SEPA IBAN rails make euro funding more bank-like where supported.
- Visa card access and phone-wallet support cover daily payments.
Gnosis Pay black horizontal front cardStandard card design
Safe-linked Visa card
Gnosis Pay
A Safe-linked Visa for spending supported stablecoins from a dedicated Gnosis Card Safe, with SEPA IBAN funding and conditional GNO cashback. Best for self-custody users comfortable with Safe and IBAN setup.
No FXSelf-custodyTravel focusClear feesFree base planPhysical card
Complete supported-country allowlist: 37 supported country records.
Main trade-offs
- Safe, IBAN and card-account setup make onboarding less simple.
- GNO cashback depends on opt-in, holdings, exclusions and caps.
- A June 2026 module exploit paused card services; Gnosis restored all user funds.
01 · Core economics
Costs that matter
Gnosis Pay is inexpensive to open, but it is not a fee-free travel card. These numbers drive most of the real-world cost.
ItemStandard tierWhat it means
Annual plan$0No recurring monthly or annual plan fee
Top-up0%No stated provider funding surcharge
Foreign exchange0%Compare the FX fee with the cashback rate before using it abroad.
ATM withdrawal5 free withdrawals/mo or 200 EURe/GBPe/USDCe; then 2%A free allowance helps occasional cash use; 2% applies after it.
Card spending0%No listed base spend fee
Physical card30.23 EUReOne-time card cost; shipping is free
Limits and secondary feesLimits and other fees
Daily card spend8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionListed
Monthly card spendUnknownListed
ATM limit250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayListed
Account depositUnknownListed
02 · Rewards programme
0% promotional cashback in GNO
Gnosis Pay currently markets this purchase reward as a promotion. Rewards are credited after qualifying transactions clear; limits may apply, and the terms allow the programme to be modified, suspended or ended.
No GNO holding; cashback and the NFT boost both start at 0.1 GNO
Current promotional maximum; not guaranteed permanently
GNO cashback
Highest approved weekly band; unused cap does not roll over
GNO reward levels
Default
0 GNOheld0 GNO
GNO balance level
- Cashback
- 0%
- OG NFT bonus
- 0%
- Eligible spend cap
- Not applicable
- Qualification
- Sunday through Saturday
- Payout
- Following Thursday in GNO to Gnosis Pay Card Safe on Gnosis Chain
- Card design
- Same card programme; the balance level changes rewards only
Level 1
0.1 GNOminimum held0.1 GNO
GNO balance level
- Cashback
- 1%
- OG NFT bonus
- 2%
- Eligible spend cap
- $250 / week
- Qualification
- Sunday through Saturday
- Payout
- Following Thursday in GNO to Gnosis Pay Card Safe on Gnosis Chain
- Card design
- Same card programme; the balance level changes rewards only
Level 2
1 GNOminimum held1 GNO
GNO balance level
- Cashback
- 2%
- OG NFT bonus
- 3%
- Eligible spend cap
- $375 / week
- Qualification
- Sunday through Saturday
- Payout
- Following Thursday in GNO to Gnosis Pay Card Safe on Gnosis Chain
- Card design
- Same card programme; the balance level changes rewards only
03 · Everyday use
The essentials are covered
Card access, mobile wallets and account rails are separated so missing channels are easy to spot.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
- Usage restrictionsPersonal use; merchant exclusions apply
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appNot confirmed
- Android appNot confirmed
- Web appAvailable
Account rails
- Spendable stablecoinsEURe / GBPe / USDCe
- Funding networkGnosis Chain only
- EUR IBAN receiveReceive-only
- Bank withdrawalPartner wallet / Monerium
- External-card top-upsNot confirmed
04 · Money in and out
How money enters, settles and leaves Gnosis Pay
Receive and send rails are separated. Fees, speed, limits and availability stay attached to the route where they apply.
Money inWays to fund or receive · 2 routesCrypto depositsEUReGBPeUSDCeBank depositsSEPALocal bankEUR
Crypto deposits
1 route
Crypto deposits
Held as a spendable stablecoin in the Gnosis Card Safe
EUReGBPeUSDCeGnosis Chain
- Fee
- No Gnosis Pay fee
- Speed
- Not confirmed
- Limits
- Not confirmed
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Asset / network map
EURe: Gnosis Chain · GBPe: Gnosis Chain · USDCe: Gnosis Chain
Availability
Supported asset and network combinations
Limit scope
Deposit limits not publicly confirmed
Account setup
wallet
Restrictions
Supported only on Gnosis Chain for card spending. Other assets must be swapped or bridged through third-party services; incorrect token or network transfers can be permanently lost.
Bank deposits
1 route
Receive-only SEPA IBAN
Monerium-powered personal IBAN funding converts EUR to EURe 1:1 before the user moves funds to the Gnosis Card Safe.
EUR
- Fee
- No Gnosis Pay fee
- Speed
- Instant
- Limits
- €950 / day
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Availability
Monerium-powered personal IBAN funding converts EUR to EURe 1:1 before the user moves funds to the Gnosis Card Safe. Limits: EUR 950 daily / EUR 5,000 weekly / EUR 20,000 monthly. The IBAN is receive-only; third-party transfers can be delayed by manual review or rejected.
Account setup
own name
Balance & conversionWallet control
Assets stay in the connected wallet until an authorized spend or transfer action.
What happens on receipt
Spendable stablecoins must already be on Gnosis Chain. EUR received through the Monerium IBAN arrives as EURe in the linked wallet and must then be moved to the Card Safe.
Money outWays to send, withdraw or settle · 2 routesBank transfers & payoutsOn-chainLocal bankEUReCard spending pathEnabled wallet assets
Bank transfers & payouts
1 route
IBAN outbound
Official Gnosis Pay docs describe IBAN outbound as an advanced bank-withdrawal path through supported partner wallets or Monerium; it is not a built-in one-click withdrawal from the Gnosis Pay app.
EUReGnosis Chain
- Fee
- Not confirmed
- Speed
- Varies by rail
- Limits
- Limits shown by partner wallet or Monerium
- Availability
- Confirmed scope
Route details
Fee components
- Fee terms are descriptive only
Access path
Via connected wallet
Asset / network map
EURe: Gnosis Chain
Availability
Supported partner wallets or manual Monerium flow
Fee scope
Shown by partner wallet or Monerium during withdrawal
Restrictions
Official Gnosis Pay docs describe IBAN outbound as an advanced bank-withdrawal path through supported partner wallets or Monerium; it is not a built-in one-click withdrawal from the Gnosis Pay app.
Card spending path
1 route
Safe-linked card spending
Spendable tokens must be on Gnosis Chain.
Gnosis Chain
- Fee
- No Gnosis Pay fee
- Speed
- Varies by rail
- Limits
- 8,000 / 24h · 5,000 / transaction
- Availability
- Confirmed scope
Route details
Fee components
- No provider transfer fee
Access path
Via connected wallet
Asset / network map
EURe: Gnosis Chain · GBPe: Gnosis Chain · USDCe: Gnosis Chain
Availability
Gnosis Card Safe on Gnosis Chain with approved wallet spending caps
Limit scope
8,000 EURe/GBPe/USDCe per rolling 24 hours; 5,000 EURe/GBPe/USDCe per transaction
Restrictions
Spendable tokens must be on Gnosis Chain.
06 · Trust and eligibility
Where Gnosis Pay is available — and who runs each part
Eligibility, identity checks and provider responsibilities are kept separate.
Identity & KYC
Identity verification is required to access card services.
- Verification provider
- Sumsub
Availability
The complete supported-country list is shown below. Residence, identity documents and signup checks still apply.
- June 2026 incident
- Resolved / monitorCard services and the bridge were paused, then access returned in phases. Gnosis says all user funds were restored; no universal withdrawal freeze is confirmed.
Countries explicitly listed37 countries
ArgentinaAustriaBelgiumBoliviaBrazilBulgariaColombiaCroatiaCyprusCzechiaDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaMexicoNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerlandUnited Kingdom
Who handles what
Only concrete responsibilities and identified organisations are shown.
RoleHandled byResponsibility and scope
Card productGnosis Pay
Public-facing product and account experience; legal operators are listed separately when confirmed.
Custody controlCardholder
Retains control of funds until payment.
Self-custodyProgramme operatorGnosis Pay
Operates the applicable card programme.
Card issuerMonavate
Issues the Gnosis Pay card as a licensed financial partner.
Applies to: Gnosis Pay card programmes, subject to regional cardholder terms.Card processingPaymentology
Processes Gnosis Pay card transactions.
Applies to: Gnosis Pay card programmes.Bank transfersMonerium
Provides personal IBAN and bank on/off-ramp functionality.
Jurisdiction: Iceland · Applies to: Eligible Gnosis Pay users and supported banking regions.Identity verificationSumsub
Provides identity verification during onboarding.
Applies to: Gnosis Pay onboarding.Custody / key managementSafe{Wallet}
Provides the self-custodial smart-contract wallet infrastructure.
Applies to: Gnosis Pay Card Safe on Gnosis Chain.07 · Methodology
Why the score is 74
The score weighs practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the company and provider stack. Undisclosed data does not boost the score.
74/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift90
Cost efficiency
No monthly fee, 0% FX fee and 0% conversion fee shape the day-to-day cost profile.
Additional support99
Everyday usability
Visa spending includes virtual card, physical card, Apple Pay, Google Pay and ATM access.
Main constraint10
Rewards value
0% ungated cashback; 5% requires programme qualification and is paid in GNO.
08 · Evidence
Sources
19 sources19 officialChecked Jul 15, 2026
We review every published fact and value on this page against source evidence. Official product, fee, membership and legal sources are used for the terms that affect cost, eligibility, rewards and custody.
Primary sourcesOfficial product, fee, membership and legal pages
Post-Mortem: Gnosis Pay Vulnerability Exploit - GnosisOfficial source ↗Gnosis Pay Terms of Service – Gnosis PayOfficial source ↗Understanding Your Card's Fees and Limits – Gnosis PayOfficial source ↗Eligible Countries for Gnosis Pay – Gnosis PayOfficial source ↗Intermediary Cashback Programme – Gnosis PayOfficial source ↗What is an IBAN and How Does it Work with Gnosis Pay ? – Gnosis PayOfficial source ↗
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