The Gnosis Pay Card is a self-custodial stablecoin Visa debit card connected to a Safe Smart Account. After depositing EURe, GBPe, or USDCe into a personally controlled Gnosis Pay Safe, users can shop online, make in-store purchases, and withdraw cash from ATMs using a virtual card, physical card, or mobile wallet. When a purchase occurs, the corresponding stablecoin is deducted from the Safe in real time, without requiring funds to be transferred in advance to a custodial platform account. The card is available to residents of Europe and certain Latin American countries and offers spending cashback paid in GNO.
Gnosis Pay is provided in the European Economic Area by Gnosis P. Tech, Unipessoal Lda, registered in Portugal, and in other supported regions primarily by Gnosis Pay Co Ltd, registered in the UK. EEA cards are issued by UAB Monavate, regulated by the Bank of Lithuania, while non-EEA cards are issued by Monavate Ltd, regulated by the UK Financial Conduct Authority. Gnosis Pay acts as the card program manager and technology service provider, with Visa providing the global acceptance network, Paymentology providing payment processing, and Sumsub providing identity verification.
Gnosis Pay uses a payment structure combining a self-custody wallet with a traditional card network. Through their own signing wallet, users control a Safe deployed on Gnosis Chain, and the card uses only designated stablecoins held in the Safe as its funding source. EURe is primarily used in the euro area, GBPe in the United Kingdom, and USDCe in Brazil and certain other regions outside Europe. Merchants still receive ordinary fiat currency through the Visa network.
Users can apply for a virtual card or physical card and use the app to view card details, freeze the card, adjust spending limits, and manage transactions. Online payments support Visa Secure 3DS, while the physical card supports chip, PIN, contactless payments, and ATM withdrawals. Gnosis Pay provides the product interface, card program management, and technical services, while the cards are issued by licensed entities associated with Monavate. The Safe module vulnerability that occurred in June 2026 has been fixed, Gnosis reimbursed affected users, and card services subsequently resumed.
Visa card experienceRegional availabilityTerms may change
Notice: No additional notice is available.
Card variants and fee differences
Compare verified fee records across card forms and tiers
GGnosis Pay Card
Card form
Virtual + physical card
Fees
Monthly fee
Free
No monthly card management fee
Card issuance fee
Free
Card issuance and delivery currently free
ATM fee
2%
Free for first 5 times or up to 200 per month; 2% beyond that; whichever condition is met first triggers the fee
Foreign exchange fee
Free
Uses Visa real-time exchange rate
Top-up fee
—
Failed transaction fee
—
Rewards
Cashback
—
Crypto cashback
5%
1%–5% GNO; holding GNO determines cashback tier
Staking rewards
—
Staking APR
—
Welcome bonus
—
Referral bonus
—
Limits
Daily spending limit
8,000
Calculated on a rolling 24-hour basis; can also be GBPe/USDCe
Monthly spending limit
—
ATM withdrawal limit
500
Maximum 250 per transaction; can also be GBPe/USDCe
Card network
VISA
Fees may vary by region, card tier, and official policy. Verify the latest official terms.
Regions and China applicability
Application status based on public sources, official policy, and user reports. This is not application advice.
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Available regions
Applications or normal card activation are supported
After card top up balanced dropped to ZERO the next day without any succesful purchases
I hereby give GnosisPay just 1 star due to a very poor first experience and lack of support.
After receiving an email on June 9 stating that the Gnosis Card services were restored after a period of disruption, I decided to use the card for the first time on June 12. I transferred $23 from my non-custodial wallet to the ZEAL app, and then the funds were successfully received and converted to my GnosisPay VISA balance (over €20 visible in the app).
However, when attempting to make a payment, the transaction failed due to “insufficient funds”, despite the available balance. The next day, I tried using the card in a supermarket, but all payment attempts with it failed again.
When I checked the app afterward, my VISA balance had dropped to zero without any transaction history or explanation.
I contacted support via the ZEAL app and received - after waiting for about a week - a generic response referring to a previous card disruption. This was not relevant, as my issue occurred AFTER June 9, when users were explicitly told services were restored. After following up, my support request disappeared entirely from the app without resolution.
I once again tried to have this issue solved by GnosisPay by sending an email to their customer support, again explaining my issue in utmost detail (support ticket number 56161). The result after waiting 3 more weeks: NOTHING. No response. No resolution. My 20 euros still gone.
Based on this experience, I unfortunately cannot recommend GnosisPay.
unds blocked for 2 weeks and support nowhere to be found
Frankly unacceptable. I'm waiting for a transaction to be unblocked following an order canceled on the very same day. The merchant clearly confirmed that nothing was charged on their end (normal, as you're only charged upon shipment).
It's been over 15 days now that the transaction has been stuck in 'pending'. Yet, it's written in black and white that funds are released after 11 days max if the merchant doesn't validate the transaction... which is exactly the case here. But still nothing, my money is just floating in limbo.
The worst part in all this? Customer support doesn't even bother replying to tickets. And on their Discord, even if the guy seems nice and well-meaning, he is completely useless and can't unblock a single thing.
Customer service is total garbage and management is a complete disaster. Stay away, there are way better crypto payment options out there
ticket: 56895
Poor customer sevice. I have left several messages in zeal app but no reply for two weeks. Avoid
Official reply
Hi Jordan. I am sorry to hear it . Could you please let us know the ticket numbers and we will investigate or please sent an email to help@gnosispay.com with the subject line to include Trust Pilot . We are here to help .
hello guys, please helpe with some issues on Gnosispay, i have sent you 2 emails by now and opened a lot of chats, but no answers. i really need your help. i am logged off of Gnosis and I can't do the KYC step because of camera and I also have issues with a wallet in Zeal! I hope you see this message and give me a hand! thank you!!!
Official reply
Hi Alex. I am sorry to hear it . Please can you reach out to our support on help@gnosispay.com and add Trust Pilot to the email subject / title and if you have them any previous ticket numbers you already sent.
I want to be fair and factual, so I'll stick to what has actually happened.
For over a week I have been unable to withdraw approximately €400 from my Gnosis Pay account. Both available routes are broken: "Skip Expired" consistently fails with an RPC rate-limit error on skipExpired(), and the /withdraw-legacy "Send to my new Safe" transaction reverts every time, leaving my legacy funds stranded.
I raised a support case more than a week ago and have yet to receive any meaningful reply. Through chat, agents engage briefly and then abandon the conversation without a resolution.
I appreciate that technical issues happen — what concerns me is the combination of blocked funds and unresponsive support. When a customer cannot reach their own money and cannot get help, trust erodes quickly. I would gladly revise this review upward the moment my funds are released and my case is properly handled. Until then, I cannot in good conscience recommend Gnosis Pay.
Official reply
Hi Federico. I am sorry for our delayed responses in replies . We have been exceptionally busy, but we are replying to everyone.
I believe I have replied to your support enquiry email and this should be resolved now .
I would like to have my account deleted because I created it years ago and have forgotten all my login details, and now I need a new account. I contacted support via chat two weeks ago, but I haven't received a response yet. That's why I'm only giving it one star.
Official reply
Good morning Lala. I am sorry to hear your message has not been answered. Please can you either let us know the ticket number or create a new message and include Trust Pilot in the message. We will be happy to help by either trying to save your old account or deactivating it so you can set it up again .
I really enjoy gnosis, the app is simple and has everything needed, I currently have 4% cashback and really enjoy it, yes they have some issues but compared to other crypto banks I'd say it's the best one. Love it.
Their site doesn't work, i cannot access to my card dashboard, no customer service, only bots.
Official reply
Hi Lorenzo. I am sorry to hear. If you are still having access issues do reach out to us. You can do so by asking the bot and reference Trust Pilot in the message. We are here to help . We also have a several partner apps as alternative (and often better ways) to connect with your gnosis pay card. https://www.gnosis.io/pay/partner-apps
