Main strengths
- 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 Visa cardStandard card design
Safe-linked Visa card
Gnosis Pay
Gnosis Pay links a dedicated Safe to Visa spending, supported stablecoins and SEPA IBAN funding, with optional GNO-based cashback. The Safe, IBAN and card account serve different funding and settlement roles; the GNO reward programme is separate.
No FXSelf-custodyTravel focusClear feesFree base planPhysical card
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 combines $0 entry with 0% listed provider FX and ATM access. Allowances, overage charges and third-party costs still depend on the current programme.
ItemValueWhat it means
Annual plan$0No recurring monthly or annual plan fee
Top-up0%No stated provider funding surcharge
Provider FX markup0%Check the fee shown before confirmation; there is no general purchase reward to offset it.
Asset conversion fee0%No separate asset-conversion fee is listed for card spending.
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 spendNot disclosedListed
Monthly card spendNot disclosedListed
ATM limitNot disclosedListed
Account depositNot disclosedListed
02 · Rewards programme
GNO cashback based on weekly balance levels
The current programme sets cashback and weekly eligible spend from the lowest GNO balance held during each Sunday-to-Saturday snapshot. Opt-in is required, and the default level earns 0%.
No GNO holding; cashback and the NFT boost both start at 0.1 GNO
Current promotional maximum; not guaranteed permanently
GNO cashback
Highest current weekly band; unused cap does not roll over
GNO reward levels
1-3 / 5
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
How the card fits everyday use
See the available card formats, phone wallets and account rails, plus any channels that are still being confirmed.
Card access
- Visa networkAvailable
- Virtual cardAvailable
- Physical cardAvailable
- ATM withdrawalsAvailable
- Usage restrictionsPersonal use; merchant exclusions apply
Wallets & apps
- Apple PayAvailable
- Google PayAvailable
- iOS appNot disclosed
- Android appNot disclosed
- 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 receive2 routes
Crypto deposits
1 route
Crypto depositsHeld as a spendable stablecoin in the Gnosis Card SafeEUReGBPeUSDCeGnosis ChainFeeNo Gnosis Pay feeSpeedNot confirmedLimitsNot confirmedAvailabilityConfirmed scopeDetails
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 IBANMonerium-powered personal IBAN funding converts EUR to EURe 1:1 before the user moves funds to the Gnosis Card Safe.EURFeeNo Gnosis Pay feeSpeedInstantLimits€950 / dayAvailabilityConfirmed scopeDetails
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 settle2 routes
Bank transfers & payouts
1 route
IBAN outboundOfficial 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 ChainFeeNot confirmedSpeedVaries by railLimitsLimits shown by partner wallet or MoneriumAvailabilityConfirmed scopeDetails
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 spendingSpendable tokens must be on Gnosis Chain.Gnosis ChainFeeNo Gnosis Pay feeSpeedVaries by railLimits8,000 / 24h · 5,000 / transactionAvailabilityConfirmed scopeDetails
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 supports the card
See current signup reach, identity checks and the organisations behind the card.
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
The named organisations and their current roles are listed below.
RoleHandled byResponsibility and scope
Card productGnosis Pay
Provides the product and account experience. Named legal operators appear separately.
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 77
The score combines practical costs, rewards, daily usability, funding and transfers, eligibility, custody, and the provider stack.
Missing or undisclosed fields receive no positive credit.
77/100
GoodHigher is better
Key score driversLargest effects after applying the Overall category weights
Strongest lift91
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 constraint5
Rewards value
0% ungated cashback; 5% requires programme qualification and is paid in GNO.
08 · Evidence
Sources
17 sources17 officialChecked Aug 6, 2026
We check every published fact and value against official product, fee, membership and legal information covering costs, 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 PayOfficial source ↗Intermediary Cashback Programme – Gnosis PayOfficial source ↗Gnosis Pay accepted KYC documentsOfficial source ↗
09 · Card comparison
How Gnosis Pay compares to others
A side-by-side look at cards built around stablecoin funding, everyday Visa access and money movement.
1 / 3
Current card
Gnosis Pay
A Safe-linked Visa for spending supported stablecoins from a dedicated Gnosis Card Safe.
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 0%–5%
- FX fee
- 0%
- Apps
- Web app · iOS + Android not confirmed
- Stablecoin set
- EURe, GBPe + USDCe
- Transfers & payouts
- Bank transfers
Similar match
Supported stablecoins, personal bank details and card access sit in one COCA app.
- Card
- Debit Visa, Virtual + Physical
- Funds control
- Self-controlled wallet
- Cashback
- 1%–8%
- FX fee
- 0% on direct pairs
- Apps
- iOS, Android · Web app not confirmed
- Stablecoin set
- USDT, USDC + EURC
- Transfers & payouts
- Crypto + Bank transfers
- Card
- Credit line Visa, Virtual only
- Funds control
- Self-controlled wallet
- Cashback
- 0%
- FX fee
- 1.5%
- Apps
- iOS, Android, Web app
- Stablecoin set
- USDC
- Transfers & payouts
- Crypto + Bank transfers
Want a deeper comparison?
Compare up to four cards in detail across fees, rewards, everyday use, money movement, custody and more.
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