Base de tarjetas / Visa / Tarjeta de pago con stablecoins
G
Gnosis Pay Card
Actualizado: 29 jul 2026
Gnosis Pay Card es una tarjeta de débito Visa de stablecoins en autocustodia conectada a una Safe Smart Account. Tras depositar EURe, GBPe o USDCe en una Gnosis Pay Safe bajo su control personal, los usuarios pueden realizar compras en línea, pagos en establecimientos físicos y retiradas de efectivo en ATM mediante una tarjeta virtual, una tarjeta física o un monedero móvil. Cuando se realiza un gasto, la stablecoin correspondiente se deduce de la Safe en tiempo real, sin necesidad de transferirla previamente a una cuenta bajo custodia de la plataforma. La tarjeta está dirigida a residentes de Europa y de determinados países de América Latina, y ofrece reembolsos por gastos pagados en GNO.
Gnosis Pay es proporcionado en el Espacio Económico Europeo por Gnosis P. Tech, Unipessoal Lda, registrada en Portugal, y en otras regiones compatibles principalmente por Gnosis Pay Co Ltd, registrada en el Reino Unido. Las tarjetas del EEE son emitidas por UAB Monavate, regulada por el Banco de Lituania, y las tarjetas fuera del EEE son emitidas por Monavate Ltd, regulada por la Autoridad de Conducta Financiera del Reino Unido. Gnosis Pay actúa como administrador del programa de tarjetas y proveedor de servicios técnicos, Visa proporciona la red de aceptación global, Paymentology proporciona el procesamiento de pagos y Sumsub se encarga de la verificación de identidad.
Gnosis Pay utiliza una estructura de pago que combina una billetera de autocustodia con una red de tarjetas tradicional. Mediante su propia billetera firmante, el usuario controla una Safe desplegada en Gnosis Chain, y la tarjeta utiliza únicamente las stablecoins designadas dentro de la Safe como fuente de fondos para las compras. En la zona euro se utiliza principalmente EURe, en el Reino Unido se utiliza GBPe, y en Brasil y algunas otras regiones no europeas se utiliza USDCe; los comercios siguen recibiendo el pago en moneda fiduciaria ordinaria a través de la red Visa.
El usuario puede solicitar una tarjeta virtual o una tarjeta física y, desde la aplicación, consultar el número de la tarjeta, congelarla, ajustar los límites de gasto y gestionar las transacciones. Los pagos en línea son compatibles con Visa Secure 3DS, mientras que la tarjeta física admite chip, PIN, pagos sin contacto y retiros en ATM. Gnosis Pay se encarga de la interfaz del producto, la gestión del programa de tarjetas y los servicios técnicos; las tarjetas son emitidas en la práctica por entidades autorizadas relacionadas con Monavate. La vulnerabilidad del módulo Safe ocurrida en junio de 2026 ya fue corregida, Gnosis repuso los fondos de los usuarios afectados y posteriormente se restableció el servicio de las tarjetas.
Visa experiencia de tarjetaDisponibilidad regionalLas condiciones pueden cambiar
Aviso: No hay avisos adicionales.
Variantes y diferencias de comisiones
Compara registros de comisiones verificados entre formatos y niveles
GGnosis Pay Card
Formato
Virtual + física
Comisiones
Comisión mensual
Gratis
No se cobra comisión mensual de gestión de la tarjeta
Comisión de emisión
Gratis
Actualmente, la emisión y la entrega son gratuitas
Comisión de cajero
2%
Original每月前5次或200额度内免费，超出收2%；先达到任一条件即收费
Comisión de cambio
Gratis
Se utiliza el tipo de cambio en tiempo real de Visa
Comisión de recarga
—
Comisión por transacción fallida
—
Recompensas
Reembolso
—
Recompensa cripto
5%
1%–5% GNO; la cantidad de GNO que se posea determina el nivel de cashback
Recompensas por staking
—
APR de staking
—
Bono de bienvenida
—
Bono por referido
—
Límites
Límite de gasto diario
8,000
Calculado sobre un periodo móvil de veinticuatro horas; también puede ser GBPe/USDCe
Límite de gasto mensual
—
Límite de retirada en cajero
500
Máximo de 250 por operación; también puede ser GBPe/USDCe
Red
VISA
Las comisiones pueden variar por región, nivel y política oficial. Comprueba las condiciones oficiales más recientes.
Regiones y disponibilidad en China
Estado de solicitud según fuentes públicas, políticas oficiales y experiencias de usuarios. No es asesoramiento de solicitud.
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
Respuesta oficial
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!!!
Respuesta oficial
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.
Respuesta oficial
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.
Respuesta oficial
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.
Respuesta oficial
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
