Gnosis Pay Card
by Gnosis Pay
- Monthly fee
- Free
- Card fee
- $30.23
- Top-up fee
- Not listed
- ID check
- ID verification
- Card
- Physical
- Phone pay
- No
Our verdict
Gnosis Pay connects a Visa card straight to your own Safe wallet, so funds remain on-chain until you pay. It suits DeFi users who will not give up custody, though the 1.5% stabilization fee and regional limits narrow its appeal.
What we like
- +First self-custodial Visa card of its kind
- +Up to 4% cashback, or 5% with GNO holdings and the OG NFT
- +No transaction or foreign exchange fees
- +Works directly with a Safe smart wallet
- +Ranked first among non-custodial cards
Watch out for
- −1.5% stabilization fee on every transaction
- −Supports only EURe, GBPe and USDCe
- −Not usable for car rentals or fuel pumps
- −Daily spending cap of 8,000 EUR
- −Available only in Europe, the UK, Argentina and Brazil
8.9/10
Editor score
Excellent
Lv 3
KYC Level
ID verification
Global
Availability
3 countries excluded
Card Overview
Rewards
- Cashback
- 4%
- Cashback Crypto
- None
- Staking Rewards
- No
- Staking APR
- None
- Welcome Bonus
- None
- Referral Bonus
- None
Fees
- Monthly Fee
- Free
- Card Issuance
- $30.23
- ATM Fee
- 2%
- FX Fee
- Not listed
- Top-up Fee
- Not listed
- Decline Fee
- Not listed
Limits
- Daily Spend
- $8,000
- Monthly Spend
- Unlimited
- ATM Withdrawal
- $500
Card Info
- Card Type
- Physical Card
- Card Network
- Visa
- Apple Pay
- No
- Google Pay
- No
KYC Requirements
Level: ID verification
- ✓Email verificationRequired
- ✓Phone verificationRequired
- ✓Identity documentRequired
- ✕Proof of addressNot Required
- ✕Selfie verificationNot Required
Community Sentiment
Community Score
6.2/10
Sourced from
Gnosis Pay earns respect for its design: a real non-custodial Safe wallet where money stays on-chain until the moment of payment. Fees are low, with no FX markup and Visa interbank rates, which makes it attractive to European digital nomads. The sharpest criticism is operational. Support is slow, with users reporting waits of weeks, and its Trustpilot rating is a weak 2.2 out of 5. The cashback tiers require holding large amounts of GNO, up to about $30k for the top 4%, which exposes ordinary users to price swings. The Fractal ID data breach and the fully public on-chain history also sit awkwardly with a product pitched at privacy-minded users. For now it reads as a niche option for EU-based DeFi natives rather than a mainstream card.
Category Breakdown
Features
Supported Cryptocurrencies
Networks: Gnosis
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Frequently asked questions
Does the Gnosis Pay Card require KYC?
Yes. Gnosis Pay asks for id verification before issuing the card. A government ID is checked, usually alongside email and phone.
What fees does the Gnosis Pay Card charge?
The card has a monthly fee of free, an issuance fee of $30.23. See the fee table above for ATM and decline fees.
Does the Gnosis Pay Card work with Apple Pay and Google Pay?
Apple Pay is not supported and Google Pay is not supported, according to the issuer.
Which countries can get the Gnosis Pay Card?
It is available in most countries, except China, Russia, United States.
Which cryptocurrencies does the Gnosis Pay Card support?
EURE, GBPE, USDCE.
Last updated August 19, 2026, verified August 6, 2026. Issuer of this card? Get your rating badge.