Monetiro229 services on the ledger · last checked October 6, 2026
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$0.00/$100
Take it?CostsAsks forLimitsWhere it worksFlawsWhat has changedHow we checkedAlternatives
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Gnosis Pay

Gnosis Pay

VisaVirtual and plasticSince 2024
Asks for a documentIssues reported

Before you continue. Readers report problems with this service — withdrawals, support or card delivery. Check current reports before you put money on it.

Truly non-custodial: funds stay in your Safe smart wallet with your private keys. Zero fees across the board. Up to 5% cashback with GNO staking + OG NFT. sDAI yield on idle balance.

Total, per $100 spent: $0.00per $100 spent

It takes nothing at all. 173 of the 174 priced cards cost more. Among the 101 that ask for exactly as much identity, the median is $1.00.

Open gnosispay.comNot a paid link: we earn nothing either way.

Whether to take Gnosis Pay

In its favour

  • Best self-custodial card — funds in Safe smart wallet, your private keys
  • 0% top-up, 0% transaction, 0% FX fees
  • Up to 5% cashback (with GNO staking)
  • Apple Pay & Google Pay

Against it

  • Only 3 stablecoins (EURe, GBPe, USDCe) — no BTC/ETH
  • Gnosis Chain only — requires bridging from other networks
  • Cannot use for car rentals or gas stations (holds)
  • Cashback paid in volatile GNO token

Also true, in its favour

  • ATM access (free up to €200/month or 5 withdrawals)
  • Physical + virtual card
  • DeFi-compatible: sDAI yield on idle balance
  • IBAN available

What Gnosis Pay costs

ChargeWhat it costs
To get the card
To issue the card$0.00
Monthly$0.00
To put money in
To load0%
To spend it
To spend0%
To spend outside the dollar0%
At a cash machine5 free withdrawals or €200/mo, then 2%
Total, per $100 spent$0.00

Not published by the issuer: per payment, fixed.

Read off gnosispay.com on September 7, 2026.

0% top-up. 0% transaction. 0% FX (Visa rates, no markup). ATM: free up to €200/month or 5 withdrawals, then 2%. €30.23 issuance (often free promo).

KYC: what Gnosis Pay asks for

A government document. Passport or ID goes to the issuer and to whoever processes verification for it, before the card is handed over.

Asks nothing7 cards
An email18 cards
A light check — a name and a phone, unverified9 cards
A document102 cards
Everything — document, face, address114 cards

Limits on spending

Daily spend$8,000
Per payment$5,000
Cash, per day$540

Not published by the issuer: monthly spend, maximum balance.

Confirmed on gnosispay.com on September 7, 2026. A figure told to one person in a chat window is not a published limit, so it does not appear here.

Where it works

WalletsApple Pay and Google Pay
Accepted whereOnline, in person, cash machines
Account detailsIts own account details
Coins in3EURe, GBPe, USDCe
Chains1Gnosis
TiersVirtual, Physical

Closed to residents of 21 countries, according to the issuer's own terms.

  • Afghanistan
  • Belarus
  • Central African Republic
  • Congo (DRC)
  • Cuba
  • Haiti
  • Iran
  • Iraq
  • Lebanon
  • Libya
  • Mali
  • Myanmar
  • Nicaragua
  • North Korea
  • Russia
  • Somalia
  • South Sudan
  • Syria
  • Venezuela
  • Yemen
  • Zimbabwe

The other flaws

  • €30.23 issuance fee (sometimes free promo)
  • EEA + UK + Switzerland + Argentina + Brazil only
  • Trustpilot 2.6/5 (small sample)

What has changed

1 recorded changes, the most recent on January 9, 2026. Each carries the page we read it on.

January 9, 2026New cardGnosis App early access opens with 5% GNO cashbackGnosis opened early access to the Gnosis App on January 9, 2026, integrating Gnosis Pay card management, EURe yield, and Circles social money in one self-custodial dashboard. GNO holders earn up to 5% cashback (4% base + 1% OG NFT bonus).gnosis.io

How we checked this

Thirteen fields are tracked for every service. 12 of them carry a figure we read off gnosispay.com on September 7, 2026.

Issuer's page
Cost per $100 · Loading charge · Currency conversion · Per-payment charge · Issuance · Monthly · Cash machine charge · Spending limits · Apple Pay and Google Pay
Sign-up flow
Identity level
Live check
Operating status
Terms
Countries closed
The issuer does not publish
Maximum balance

Nothing here came from a press release, an affiliate sheet, or another comparison site.

Open gnosispay.comNot a paid link: we earn nothing either way.

Alternatives to Gnosis Pay

Costs exactly the same.Rebind CardRebind CardVisaVirtual and plasticAsks for a documentOperationalNothing at the door, nothing abroad, nothing monthly. One of 41 cards that cost nothing.AG21 Jul$0.00per $100 spent
Costs $1.00 more per $100 — the price of the difference.Spritz CardSpritz CardVisaVirtual and plasticAsks for a documentOperational1% when you load. 2 fee fields are not published.AG21 Jul$1.00per $100 spent
Its issuer publishes nothing to compare on price.FreeBNK CardFreeBNK CardVisaVirtual and plasticAsks for a documentOperationalAG21 Julnot published