Crypto card catalog
Gnosis Pay Card
Issuer: Gnosis Pay
- Debit
- Physical / virtual · Visa
- KYC: Full
- Non-custodial
A genuinely self-custodial Visa built on a Safe smart-contract wallet, with zero conversion/FX fees and 1-5% cashback in GNO. The top pick for self-custody advocates in the EEA. Caveat: €30 annual fee, the cashback program is a limited-time offer (runs through 30 June 2026), address verification required.
Updated: July 2026 · Status: verified (web research)
74/100
Good
CRI rating
Key facts
- Card class
- Debit (self-custody)
- Type / network
- Physical / virtual · Visa
- Availability
- EEA
- KYC
- Full (18+, address verification)
- Conversion method
- On-chain, payments drawn from stablecoins in your Safe wallet
- Custody
- Non-custodial (funds stay in your Safe until the moment of payment)
- Conversion / FX fee
- 0% (gas only); some sources mention a ~1.5% stabilization fee — to confirm
- Card issuance / monthly fee
- €30/year (Safe support)
- Cashback
- 1-5% in GNO by tier (0.1/1/10/100 GNO = 1/2/3/4% + 1% OG NFT)
- ATM
- 5 free withdrawals/month
- Limits
- €8K/day spending, €500/day ATM
- Networks
- Gnosis Chain
- Apple/Google Pay
- Yes (Apple Pay)
- Official site
- gnosispay.com
Crypto card fees change often — verify against the issuer's official site before applying.
Pros & cons
Pros
- Genuine self-custody (Safe smart-contract wallet).
- 0% conversion/FX fees, free ATM withdrawals (5/month).
- Cashback up to 5% in GNO, ENS name on the card.
Cons
- €30 annual fee.
- The cashback program is a limited-time offer (through 30 June 2026), rates aren't permanent.
- Cashback paid in volatile GNO; EEA only.
Gnosis Pay Card review
Gnosis Pay is one of the few genuinely non-custodial cards: funds stay in your Safe smart-contract wallet on Gnosis Chain right up until the moment of payment. There are no conversion, FX, or subscription fees, and a weekly cashback in GNO is paid out based on your holding tier. The current cashback program launched on 9 November 2025 and runs through 30 June 2026.
How to get Gnosis Pay Card
01
Create an account at gnosispay.com and deploy your Safe wallet.
02
Complete KYC (18+, address verification in a supported country).
03
Get the card and top up with stablecoins in your Safe.
04
Add it to Apple Pay if needed.
Methodology
CRI score by category
| Category | Weight | Score (0-100) | Contribution |
|---|---|---|---|
| A. Cost and fees | 25% | 82 | 20.5 |
| B. Accessibility and onboarding | 20% | 58 | 11.6 |
| C. Functionality | 20% | 74 | 14.8 |
| D. Benefits | 15% | 78 | 11.7 |
| E. Trust and reliability | 15% | 82 | 12.3 |
| F. Transparency and support | 5% | 70 | 3.5 |
| CRI | 74/100 — "Good" |
CRI is an editorial score based on our open methodology (not financial advice). Details on the Methodology page.
FAQ
Frequently asked questions about Gnosis Pay Card
Is it really self-custodial?
Yes, funds stay in your Safe wallet until the moment of payment.
Is the cashback permanent?
No, the current program runs through 30 June 2026.
Similar cards
Alternatives with a comparable CRI score from our catalog.
Ready to get Gnosis Pay Card?
Terms and fees change — check the current details on the official site before applying.
Sources
Disclaimer: not financial advice. Verify current terms on the official site.
Disclaimer: not financial advice. Verify current terms on the official site.