Tria
Self-custodial Visa crypto card with tiered issue and annual fees.
Last checked: 2026-08-31
- Self-custody-focused crypto spenders
- Users comparing crypto card reward and travel-perk models
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: 2026-08-10
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 supported European or Latin American markets
- 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: Monerium issues EURe/GBPe; USDCe is bridged Circle USDC. Card order and standard shipping were free on the checked official fee page.
- Keep at least one backup provider for critical trips or payouts.
Availability
Region-dependent
Selected countries in Europe and Latin America; official eligibility list controls
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
- Region-dependent
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 | Card order and standard shipping are free; replacement card 4.99 EUR/GBP/USD |
|---|---|
| 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 | Daily spend limit 8,000 and single-purchase limit 5,000 in card currency; ATM daily 500 and single withdrawal 250; 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
- 2026-08-10
- Data confidence
- Medium
- Review status
- Fresh
- Funding currency is region-specific: Monerium issues EURe/GBPe; USDCe is bridged Circle USDC. Card order and standard shipping were free on the checked official fee page.
- 2026-09-09: corrected USDCe issuer/bridge distinction. Google Wallet help supports EEA, Switzerland, Gibraltar, UK and Brazil; do not assume every issuing market. Fee/limit table remains consistent. Incident recovery URL returned a bot challenge, so incident status was not revalidated.
Editorial verification
Who checked this review and how
This is a desk review based on recorded official sources, not a hands-on product test or customer review. Compare the documented fees, eligibility and limitations. We do not publish numerical product scores without a reproducible assessment.
- Review process
- Official-source desk review
- Last checked
- Recorded sources
- 6 official sources
Final decision check
Confirm these four points against the provider’s current terms before relying on it.
Availability
Region-dependent — Selected countries in Europe and Latin America; official eligibility list controls
Last checked
Last checked: 2026-08-10
May fit
Eligible users in selected European and Latin American countries who want self-custodial stablecoin spending
Main limitation
You want to spend volatile crypto directly rather than stablecoins
Check current terms
This opens the provider’s official site. Fees, eligibility and availability can change.
Alternatives
Nexo Card
Dual-mode crypto card for eligible users in Europe and Argentina.
Last checked: 2026-08-10
- Existing Nexo users in eligible European countries or Argentina
- Users comparing dual credit/debit crypto card models
RedotPay
Stablecoin-based card with clear issue fees and strict country exclusions.
Last checked: 2026-08-24
- Users in supported countries who want stablecoin-funded spending
- Comparing virtual vs physical card setup costs
Head-to-head comparisons
Related next steps
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.