#7
Tangem Card
8.3/10
Ranked #8 of 32
Overview
Gnosis Pay is the most genuinely self-custodial card in the market, a Visa debit card linked directly to a Safe Smart Account on Gnosis Chain. Unlike custodial exchange cards, and even unlike cards that merely 'convert at point of sale,' Gnosis Pay settles transactions on a public blockchain in real time. Your EURe (or GBPe/USDCe) stablecoin balance sits in a Safe smart contract you control; you hold the keys, and every transaction is verifiable on-chain. It's issued by Monavate under Visa Europe licensing and spends at 80M+ Visa merchants.
Cashback runs 1–5% but is paid in GNO, Gnosis's volatile native token, and scales with how much GNO you simply hold (not stake or lock) in your Card Safe, 1% at 0.1 GNO up to 4% at 100 GNO, plus 1% for holding an OG NFT. Fees are near-zero (Gnosis subsidizes conversion and gas), though sources disagree on the annual/issue fee (roughly €30). Two caveats matter: coverage is essentially EEA/UK/LATAM only (no US), and a June 2025 exploit of its Zodiac Delay Module shook confidence, so security history is worth noting.
★ Gnosis Pay Card referral code
GNOSIS9045
Using a referral code at sign-up may unlock a welcome perk where Gnosis Card offers one. Availability and amounts are set by the provider and vary by region.
Rating breakdown
How the Gnosis Pay Card scores across the categories we weigh into its overall 8.3/10.
Fees & value8.4
Rewards7.6
Ease of use7.4
Security & custody9.0
Availability7.2
Cashback & rewards
Gnosis Pay pays 1–5% cashback in GNO, its native token — so the real-dollar value fluctuates with GNO's price, unlike stablecoin-cashback cards. Crucially, the tier is set by how much GNO you HOLD in your Card Safe, not stake or lock: 1% at ≥0.1 GNO, 2% at ≥1, 3% at ≥10, 4% at ≥100, plus a +1% boost (to a 5% max) for holding an OG NFT alongside ≥0.1 GNO. GNO stays fully liquid, you can sell anytime, unlike Crypto.com (12-month CRO lock) or Wirex (180-day WXT lock). Rewards are snapshotted weekly (Sun–Sat) and paid the following Thursday to your Safe, with weekly spend caps tied to holdings.
| Tier | Requirement | Cashback | Monthly cap |
|---|---|---|---|
| Base | Hold ≥0.1 GNO | 1% (in GNO) | Weekly cap by holdings |
| Shrimp | Hold ≥1 GNO | 2% (in GNO) | Weekly cap by holdings |
| Dolphin | Hold ≥10 GNO | 3% (in GNO) | Weekly cap by holdings |
| Whale | Hold ≥100 GNO | 4% (in GNO) | Weekly cap by holdings |
| OG NFT boost | Hold OG NFT + ≥0.1 GNO | +1% (max 5%) | Weekly cap by holdings |
Fees & limits
A snapshot of the typical fee structure. Always verify the live figures before applying, as providers adjust these often.
| Fee | Typical amount |
|---|---|
| Monthly fee | $Not specified |
| Card issuance | $Not specified |
| Card spend (USD)Fee on purchases made in US dollars | 0 |
| FX fee (non-USD transactions)Charged when you spend in a currency other than USD | 1.5% |
| ATM withdrawals | 2% after free limit |
How to get the Gnosis Pay Card
- 1. Go to gnosispay.com and connect or create a Safe Smart Account on Gnosis Chain.
- 2. Complete KYC verification (handled by Monerium under its e-money license).
- 3. Order your Visa card (issue fee around €29.99); optionally personalize the physical card with your ENS name.
- 4. Get a personal IBAN and fund your Safe with EURe (or GBPe/USDCe) stablecoin.
- 5. Optionally hold GNO in your Card Safe to unlock higher cashback tiers.
- 6. Add the card to Apple Pay and spend at 80M+ Visa merchants; every transaction settles on-chain.
Pros & cons
Pros
- The only card delivering genuine real-time on-chain settlement at scale
- Truly non-custodial via battle-tested Safe smart-contract wallet — you hold the keys
- 0% FX fees and near-zero transaction/conversion/gas fees (subsidized by Gnosis)
- Cashback GNO only needs to be held, not staked or locked — fully liquid, sell anytime
- Personal IBAN for fiat deposits; ENS name can be printed on the physical card
- Up to 5% cashback with the OG NFT boost
- Apple Pay supported; Visa acceptance across the EEA
Cons
- Cashback is paid in volatile GNO, real value swings with the token price
- Suffered a June 2025 exploit (Zodiac Delay Module) that drained some user funds
- Roughly €30 annual/Safe fee, need ~€750/yr spend at 4% just to break even
- EEA/UK/LATAM only, not available in the US
- Only three stablecoins supported (EURe, GBPe, USDCe); no BTC/multi-chain
- Reports of poor customer support (Trustpilot ~2.2/5) and slow response times
- Current cashback programme expires June 30, 2026 with no guaranteed replacement
Is It Worth It?
Best for EEA/UK crypto-natives who treat on-chain settlement and self-custody as a principle, already hold or will acquire GNO, and spend enough (roughly €750+/year at the 4% tier) to clear the annual fee. Deeply coherent for existing Gnosis-ecosystem users. A poor fit for US residents, light spenders who won't clear the fee, anyone wanting stablecoin (not token) cashback, or those needing multi-chain asset support or high ATM limits.
Where you can use it
Supported countries
Available in 30 countries
🇦🇹 Austria
🇧🇪 Belgium
🇧🇬 Bulgaria
🇭🇷 Croatia
Cyprus
🇨🇿 Czech Republic
🇩🇰 Denmark
🇪🇪 Estonia
🇫🇮 Finland
🇫🇷 France
🇩🇪 Germany
🇬🇷 Greece
🇭🇺 Hungary
🇮🇸 Iceland
🇮🇪 Ireland
🇮🇹 Italy
🇱🇻 Latvia
Liechtenstein
🇱🇹 Lithuania
🇱🇺 Luxembourg
Malta
🇳🇱 Netherlands
🇳🇴 Norway
🇵🇱 Poland
🇵🇹 Portugal
🇷🇴 Romania
🇸🇰 Slovakia
🇸🇮 Slovenia
🇪🇸 Spain
🇸🇪 Sweden
No match in the supported list.
Availability can change and may depend on your verification status. Always confirm on the provider's official site before signing up.
Frequently asked questions
Does the Gnosis Pay Card offer cashback?
Yes — 1% to 5%, but paid in GNO, a volatile token, so the real value varies with its price. The tier depends on how much GNO you hold (not stake) in your Card Safe, and the current programme runs through June 30, 2026.
Is the Gnosis Pay Card available in my country?
It's available across the EEA, UK, and parts of LATAM (Argentina, Brazil). It is not available in the US. Expansion to more countries is planned. Check the app.
Does the Gnosis Pay Card require KYC?
Yes. Standard KYC is required, handled by Monerium under its e-money license.
Is the Gnosis Pay Card custodial or self-custodial?
Genuinely non-custodial and on-chain. Your funds stay in a Safe smart-contract wallet you control on Gnosis Chain, settling transactions on-chain in real time.
What network does the Gnosis Pay Card run on?
Visa (issued by Monavate under Visa Europe licensing), accepted at 80M+ merchants, with Apple Pay support. It spends EURe, GBPe, and USDCe stablecoins.
Is it safe after the 2025 exploit?
In June 2025 an exploit targeting its Zodiac Delay Module compromised some accounts and prompted containment measures. The core Safe architecture is widely used, but review the security history and current safeguards before depositing.
