Review

Gnosis Pay

Gnosis Pay issues a self-custodial Visa debit card that spends regulated stablecoins (EURe, GBPe or USDCe) from a Safe smart account you control, not a custodial balance. It advertises no added transaction, FX or off-ramp fees and tiered GNO cashback, but funding is stablecoin-only, ATM access is capped and availability is region-gated.

Last checked: 2026-06-22Overall: 4/5Fees: 5/5Travel: 3/5

Not financial advice

Crypto cards are not bank deposits. Check official terms, custody model, issuer availability and compliance requirements before loading funds.

Best for

Self-custodial stablecoin spending in the EEA/UK/CH
Users who manage a Safe smart account

Avoid if

Spending volatile crypto directly
Users needing broad ATM/cash access or out-of-region availability

Summary verdict

Self-custodial Visa debit card spending EURe/GBPe/USDCe from a Safe wallet.
Funding currency is region-specific (EURe/GBPe/USDCe via Monerium). A one-time card order fee may apply — confirm the current amount in official terms.
Keep at least one backup provider for critical trips or payouts.

Availability

Region-dependent

EEA, UK and Switzerland, plus selected other supported countries; more announced

Funding currency is region-specific: EURe (EU/EEA/Switzerland), GBPe (UK), USDCe (other supported countries); residents of unsupported countries cannot order.

Card and payments

Type: Physical
Custody: Non-custodial
KYC: Required
Apple Pay: Yes
Google Pay: Unknown

Watchout

Gnosis Pay published recovery guidance after a security incident — check the current status before funding.
Self-custody plus stablecoin de-peg and smart-account risks mean you carry wallet security and recovery responsibility.

Fees and limits

Issue	A one-time card order fee may apply; confirm the current amount in official terms
Monthly	No monthly fee stated
Annual	No annual fee stated
FX	No added FX fee stated; the underlying Visa/stablecoin conversion rate still applies
ATM	Up to 5 withdrawals or 200 EURe/GBPe/USDCe free per month (whichever comes first), then 2% per withdrawal
Spend	No transaction, gas or off-ramp fees stated; fund by swapping or bridging stablecoins into your Safe
Limits	Spending and ATM limits apply; funding is stablecoin-only

How it works

Self-custodial Safe smart-account funding
Tiered GNO cashback with an OG NFT boost
Apple Pay support

Pros

Self-custodial: assets stay in a Safe wallet you control
No added FX or transaction fees stated; clear monthly ATM allowance

Cons

Stablecoin-only funding (EURe/GBPe/USDCe), not general crypto spend
Region-gated and cashback rates are tiered by GNO held

Risks / compliance notes

Gnosis Pay published recovery guidance after a security incident — check the current status before funding.
Self-custody plus stablecoin de-peg and smart-account risks mean you carry wallet security and recovery responsibility.

Official sources

Verified from official pages: Gnosis Pay card page

Data confidence

Source checked: 2026-06-22
Data confidence: Medium
Review status: Fresh

Funding currency is region-specific (EURe/GBPe/USDCe via Monerium). A one-time card order fee may apply — confirm the current amount in official terms.

Alternatives

Tria

Self-custodial Visa crypto card with one-time tier fees and no monthly cost.

4/5

Last checked: 2026-06-22

Self-custody-focused crypto spenders
Users comparing crypto card reward and travel-perk models

Review Check terms

Nexo Card

Dual-mode crypto card for eligible European users.

4/5

Last checked: 2026-06-22

Existing Nexo users in eligible European countries
Users comparing dual credit/debit crypto card models

Review Check terms

RedotPay

Stablecoin-based card with clear issue fees and strict country exclusions.

3/5

Last checked: 2026-06-22

Users in supported countries who want stablecoin-funded spending
Comparing virtual vs physical card setup costs

Review Check terms

Popular head-to-head comparisons

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FAQ

Is Gnosis Pay custodial?

No. Funds sit in a Safe smart account you control and are spent as EURe, GBPe or USDCe stablecoins; Gnosis Pay states it never holds your assets, so wallet security and recovery are your responsibility.

Can a crypto card replace a bank account?

No. Treat it as a specialized spending tool and keep regulated backup accounts for essential money.

What should I verify first?

Issuer support, KYC rules, custody model, spending fees, ATM costs, card network support and current reward terms.