Visa · Standard · Non-Custodial · Issuer: Monavate
| Monthly fee | Free |
| FX fee (non-USD) | 0% |
| Free ATM withdrawals | €200/mo |
| Daily spend limit | $8K |
| Settlement | From 5 up to 12 days |
Argentina
Austria
Belgium
Bulgaria
Brazil
Switzerland
Colombia
Cyprus
Czechia
Germany
Denmark
Estonia
Spain
Finland
France
United Kingdom
Greece
Croatia
Hungary
Ireland
Iceland
Italy
Liechtenstein
Lithuania
Luxembourg
Latvia
Malta
Mexico
Netherlands
Norway
Poland
Portugal
Romania
Sweden
Slovenia
SlovakiaGnosis Pay is a self-custodial Visa debit card built on Gnosis Chain, where your funds live in a Safe Smart Account that only you control. It charges zero FX fees, zero conversion fees, and zero gas fees — making it one of the lowest-cost crypto cards available. Cashback is paid weekly in GNO tokens: 1% with 0.1 GNO held, up to 4% with 100 GNO, and 5% for OG NFT holders. A 1.5% stabilization fee applies per transaction. The card includes a personal IBAN for SEPA top-ups, Apple Pay and Google Pay support, and comes with a €30 one-time issuance fee. Available in the EEA, UK, Switzerland, and Latin America. Issued by Monavate.
Gnosis Pay offers tiered cashback in GNO tokens based on how much GNO you hold in your Safe wallet: 1% with 0.1 GNO, 3% with 10 GNO, and 4% with 100 GNO. OG NFT holders earn an extra +1%, up to 5% total. Cashback is paid weekly in GNO. Note: a 1.5% stabilization fee applies per transaction, reducing the effective net rate — realistic cashback for most users is around 2%.
Gnosis Pay charges zero FX fees, zero conversion fees, and zero gas fees on Gnosis Chain. The main cost is a 1.5% stabilization fee per transaction. There is no monthly fee. Card issuance costs €30 one-time. ATM withdrawals are free up to €200/month or 5 withdrawals, then 2% per withdrawal.
Yes — your funds are held in a Safe Smart Account on Gnosis Chain that only you control. The card provider cannot access your balance. Funds leave your wallet only at the moment of each transaction authorization.
Gnosis Pay is available in the EEA, UK, Switzerland, and Latin America (Brazil, Argentina, Mexico, Colombia). The card spends in EURe (Euro stablecoin) and supports SEPA Instant for top-ups via a personal IBAN. A GBPe option is also available for UK users.
Yes — Gnosis Pay supports both Apple Pay and Google Pay. Google Pay was rolled out first to OG NFT holders and is now available to all users.
No — there is no monthly or annual fee. The only upfront cost is a one-time €30 card issuance fee. There are no subscription tiers or hidden maintenance charges.
You top up by sending EURe to your Safe Smart Account on Gnosis Chain. You can also deposit euros via SEPA Instant using your personal IBAN, which converts to EURe automatically. Gas fees are subsidized by Gnosis, so top-ups cost almost nothing.