Gnosis Pay Card

Gnosis Pay · Visa · debit · Self-custody

37 countriesVerified 5 Sep 2026

At $1,000/month spend with no stake, Gnosis Pay Card nets $0 a year; with $12 in GNO locked, +$119 a year. According to Cardefi data, 8 of 12 key figures are verified from the issuer's pages, latest 5 Sep 2026.

Open at Gnosis Paydirect — pays us nothing

Cashback at your stake: 0.0%
Min. stake for rewards: $12
Annual fee: —
FX fee: 0.0%
Net value / yr: $0
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you No GNO	No GNO	0.0%	$0
$12 0.1 GNO	0.1 GNO	1.0%	+$119
$11,521 100 GNO	100 GNO	4.0%	−$96

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	0.0% × $12,000	+$0
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% × $3,000	−$0
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		$0

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	— not disclosedNeither the fees article nor the Monavate Terms name an annual fee; the terms refer to "fees set out here" without a table in the text
Monthly fee	— not disclosedSee annual
Card issuance	€0sources disagreeFees article (updated 31 Aug 2026): Card Order FREE. How To Pay article (28 Jun 2026): "exactly 30.23 EURe". Both are help_center; the newer one says FREE 2 sources “Card Order \| FREE \| FREE shipping of your physical card”[5] · help_center · captured 5 Sep 2026 “You will need exactly 30.23 EURe in your wallet”[6] · help_center · captured 5 Sep 2026 · disagrees with the value shown
Foreign transaction (FX)	0.0%Visa rate applies 2 sources “No added fees from Gnosis Pay for currency conversions”[5] · help_center · captured 5 Sep 2026 “Visa’s exchange rate is applied automatically at the time of purchase”[5] · help_center · captured 5 Sep 2026
Crypto conversion / spread	0.0%1:1 stablecoin debit; a €10 purchase = 10 EURe 1 source “1:1 stablecoin usage — a €10 purchase = 10 EURe (or equivalent)”[5] · help_center · captured 5 Sep 2026
ATM withdrawal	2.0%After 5 free withdrawals or 200 EURe/GBPe/USDCe per monthFree up to €200 / month 2 sources “After allowance is exceeded: 2% fee per additional withdrawal”[5] · help_center · captured 5 Sep 2026 “You can make up to 5 free ATM withdrawals per month or withdraw up to 200 EURe/GBPe/USDCe—whichever comes first”[5] · help_center · captured 5 Sep 2026
Card replacement	€4.99 1 source “4.99 EURe/GBPe/USDCe”[5] · help_center · captured 5 Sep 2026
Top-up	0.0%No card transaction fee; gas only on on-chain transfers 1 source “No transaction fees when spending with your card”[5] · help_center · captured 5 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
No GNO	0.0% · None · Cap: none · Paid in GNO 1 source “Your cashback rate and maximum eligible weekly spend are based on your GNO balance held in your Gnosis Pay Card Safe.”[7] · help_center · captured 5 Sep 2026
0.1 GNO	1.0% · 0.1 GNO (≈ $12 at 6 Sep 2026) · Cap: $250 / week of spend · Paid in GNO 1 source “\| 0.1 \| 1% \| 2% \| $250”[7] · help_center · captured 5 Sep 2026
1 GNO	2.0% · 1 GNO (≈ $115 at 6 Sep 2026) · Cap: $375 / week of spend · Paid in GNO 1 source “\| 1 \| 2% \| 3% \| $375”[7] · help_center · captured 5 Sep 2026
10 GNO	3.0% · 10 GNO (≈ $1,152 at 6 Sep 2026) · Cap: $500 / week of spend · Paid in GNO 1 source “\| 10 \| 3% \| 4% \| $500”[7] · help_center · captured 5 Sep 2026
100 GNO	4.0% · 100 GNO (≈ $11,521 at 6 Sep 2026) · Cap: $1,250 / week of spend · Paid in GNO 1 source “\| 100 \| 4% \| 5% \| $1250”[7] · help_center · captured 5 Sep 2026

No rewards on: ATM withdrawals, Bank account top-ups, Refund cycling, Merchant self-payments, Curve transactions. Programme runs until 30 Sep 2026.

Limits

Spend per day	€8,000 / dayRolling 24 hours; EURe/GBPe/USDCe 1 source “8,000 EURe/GBPe/USDCe”[5] · help_center · captured 5 Sep 2026
Single transaction	€5,000 / tx 1 source “5,000 EURe/GBPe/USDCe”[5] · help_center · captured 5 Sep 2026
ATM per day	€500 / day 1 source “500 EURe/GBPe/USDCe”[5] · help_center · captured 5 Sep 2026
Spend per month	— not disclosedNo monthly limit set; the daily 8,000 applies

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Annual fee. Neither the fees article nor the Monavate Terms name an annual fee; the terms refer to "fees set out here" without a table in the text
Monthly fee. See annual
Spend per month. No monthly limit set; the daily 8,000 applies

Sources

7 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

help.gnosispay.com/hc/en-us/articles/39401751918612 · help_center · 5 Sep 2026
help.gnosispay.com/hc/en-us/articles/39726634253076 · legal · 5 Sep 2026
help.gnosispay.com/hc/en-us/articles/39401294454036 · help_center · 5 Sep 2026
www.lb.lt/en/sfi-financial-market-participants/uab-monavate · legal · 6 Sep 2026
help.gnosispay.com/hc/en-us/articles/39533569163284 · help_center · 5 Sep 2026
help.gnosispay.com/hc/en-us/articles/39407300570772 · help_center · 5 Sep 2026
help.gnosispay.com/hc/en-us/articles/40288567337876 · help_center · 5 Sep 2026

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Access & funding

Regions: 37 countries
KYC: full
Top-up: Crypto (Gnosis Chain), SEPA via Monerium IBAN
Fiat: EUR, GBP, USD
Assets: EURe, GBPe, USDCe
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Stake value can drop. Tiers are set in GNO; the USD figures here are as of 6 Sep 2026.
Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: Gnosis Pay
Infrastructure: Gnosis Pay
Issuer of record: UAB Monavate (LT)
Licence: Bank of Lithuania · LB002139
Network: Visa
Custody: Self-custody · self custody

4 sources

“UAB Monavate is authorised by the Bank of Lithuania (“BOL”) (authorisation code: LB002139901097) to issue electronic money and provide payment services and licensed as a principal member of Visa in certain territories.”[2] · legal · captured 5 Sep 2026

“We have engaged Gnosis Pay as the Card programme manager and technical services provider in respect of the Services”[2] · legal · captured 5 Sep 2026

“Monavate Paymentology Global Payment Network Our partnership with Visa”[3] · help_center · captured 5 Sep 2026

“Electronic money institution licence”[4] · legal · captured 6 Sep 2026

Status

Now: Live
4 Sep 2026: Live— Announcement: the consumer web app and Zeal close by the end of 2026; the card keeps working through partner apps (MiniPay, Gnosis App, Rebind)

“You will be able to continue to use Gnosis Pay card programs but, by the end of this year, it will be entirely under-the-hood of our partners’ apps.”help.gnosispay.com · captured 5 Sep 2026

Where you can get it

EEA + UK + CH + LATAM: 37 countries: AR, AT, BE, BO, BG, BR, CO, HR, CY, CZ, DK, EE, FI, FR, DE, GR, HU, IS, IE, IT, LV, LI, LT, LU, MT, MX, NL, NO, PL, PT, RO, SK, SI, ES, SE, CH, GB
waitlist: AU, BD, CA, CR, SV, GH, GT, HN, JP, KE, MY, NG, PA, PY, PH, RW, ZA, TZ, TH, AE, UG, US, UY
blocked: AF, BY, CF, CU, CD, HT, IR, IQ, LB, LY, ML, MM, NI, KP, RU, SO, SS, SY, VE, YE, ZW

1 source

“The Gnosis Pay Card is currently available to legal residents of selected countries in Europe and Latin America.”help.gnosispay.com · help_center · captured 5 Sep 2026

Availability and terms by country ↓

Trust

Verified: 5 Sep 2026
Coverage: 8 of 12 key figures verified, 3 not disclosed, 1 where sources disagree
Confidence: A official source plus an independent one
Disclosure: help center
Source: gnosispay.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 37 countries are listed as available in total.

Country	Status	Issuer / licence
United States	Waitlistchecked 5 Sep 2026	UAB Monavate
United Kingdom	Availablechecked 5 Sep 2026	UAB Monavate
Germany	Availablechecked 5 Sep 2026	UAB Monavate
Spain	Availablechecked 5 Sep 2026	UAB Monavate
Brazil	Availablechecked 5 Sep 2026	UAB Monavate
Australia	Waitlistchecked 5 Sep 2026	UAB Monavate
Ireland	Availablechecked 5 Sep 2026	UAB Monavate
Netherlands	Availablechecked 5 Sep 2026	UAB Monavate
Portugal	Availablechecked 5 Sep 2026	UAB Monavate
Poland	Availablechecked 5 Sep 2026	UAB Monavate
Greece	Availablechecked 5 Sep 2026	UAB Monavate
Sweden	Availablechecked 5 Sep 2026	UAB Monavate
Czechia	Availablechecked 5 Sep 2026	UAB Monavate
Austria	Availablechecked 5 Sep 2026	UAB Monavate
Switzerland	Availablechecked 5 Sep 2026	UAB Monavate
Canada	Waitlistchecked 5 Sep 2026	UAB Monavate
Belgium	Availablechecked 5 Sep 2026	UAB Monavate
Cyprus	Availablechecked 5 Sep 2026	UAB Monavate
Latvia	Availablechecked 5 Sep 2026	UAB Monavate
Slovakia	Availablechecked 5 Sep 2026	UAB Monavate
Croatia	Availablechecked 5 Sep 2026	UAB Monavate
Bulgaria	Availablechecked 5 Sep 2026	UAB Monavate
Estonia	Availablechecked 5 Sep 2026	UAB Monavate
Liechtenstein	Availablechecked 5 Sep 2026	UAB Monavate
Norway	Availablechecked 5 Sep 2026	UAB Monavate
Hungary	Availablechecked 5 Sep 2026	UAB Monavate
Iceland	Availablechecked 5 Sep 2026	UAB Monavate
United Arab Emirates	Waitlistchecked 5 Sep 2026	UAB Monavate
Japan	Waitlistchecked 5 Sep 2026	UAB Monavate
Malaysia	Waitlistchecked 5 Sep 2026	UAB Monavate
Philippines	Waitlistchecked 5 Sep 2026	UAB Monavate
South Africa	Waitlistchecked 5 Sep 2026	UAB Monavate
Argentina	Availablechecked 5 Sep 2026	UAB Monavate
Mexico	Availablechecked 5 Sep 2026	UAB Monavate
Colombia	Availablechecked 5 Sep 2026	UAB Monavate
Panama	Waitlistchecked 5 Sep 2026	UAB Monavate
Guatemala	Waitlistchecked 5 Sep 2026	UAB Monavate
El Salvador	Waitlistchecked 5 Sep 2026	UAB Monavate
Bolivia	Availablechecked 5 Sep 2026	UAB Monavate
Ghana	Waitlistchecked 5 Sep 2026	UAB Monavate

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Gnosis Pay Card charge on foreign currency?: Gnosis Pay Card adds 0.0% on transactions in a currency other than the account currency.
How much cashback does Gnosis Pay Card pay?: Gnosis Pay Card pays up to 4.0%, which is the highest rate any of its tiers reaches.
Does Gnosis Pay Card require a stake?: The lowest tier of Gnosis Pay Card that requires a stake is 0.1 GNO, at $12, and it pays 1.0%.
Does Gnosis Pay Card work with Apple Pay or Google Pay?: Gnosis Pay Card works with Apple Pay and Google Pay.
What does Gnosis Pay Card charge at an ATM?: Gnosis Pay Card charges 2.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Gnosis Pay Card?: You do. Gnosis Pay Card pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does Gnosis Pay Card require identity verification?: Yes. Gnosis Pay Card requires full identity verification before the card can be used.