The Gnosis Pay earns 1-5% GNO cashback on a Visa debit card with a €30 one-time fee, available in EU/UK/LATAM.
Gnosis is an Ethereum-focused company founded in 2015 by Martin Köppelmann and Stefan George that originated as a prediction-market protocol incubated within ConsenSys before spinning out independently. The operating entity Gnosis Limited is registered in Gibraltar with a development hub in Berlin, and the company has incubated products including Safe (the multisig smart-contract wallet) and Gnosis Pay.
The Gnosis Pay is a crypto debit card offered by Gnosis, available in EU/UK/LATAM. It offers 1-5% GNO cashback across 4 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €30 one-time.
It is a strong fit for privacy-conscious users who want to keep custody of their keys while spending. It runs on the Visa network and requires standard identity verification.
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| Tier | Rate | Requirement |
|---|---|---|
| Base | 1% | 0.1 GNO in Gnosis Pay Safe |
| Shrimp | 2% | 1 GNO in Gnosis Pay Safe |
| Dolphin | 3% | 10 GNO in Gnosis Pay Safe |
| Whale | 4% | 100 GNO in Gnosis Pay Safe |
The personal IBAN is issued by Monerium EMI ehf (Iceland), not by Gnosis Pay or Monavate, and is attached to the user's own wallet; incoming EUR converts 1:1 to EURe on Gnosis Chain. It is receive-only inside Gnosis Pay: outbound bank transfers require Monerium directly or a partner wallet. IBAN access is gated more tightly than the card (EU and EEA cardholders plus a nationality whitelist).
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Gnosis Pay is: gas $0.00, conversion spread $7.50, flat/FX fees $0.00, and amortised card/tier fee $2.50, for a total drag of 2% of spend. After $5.00/mo cashback that is still a net cost of about $5.00/mo ($60.00/yr). Gnosis Pay tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: GIP-131 Intermediary Cashback Programme EXPIRED June 30, 2026 (funded by Gnosis Ltd). Post-June 30 structure TBD — no successor programme announced as of July 10, 2026. Partner-led programmes (Zeal for Europe, PicnicBR for Brazil) expected to replace DAO-funded cashback; Brazil live via PicnicBR. Tiers below reflect the expired intermediary programme; actual current rates unconfirmed. Expired tiers: ≥0.1 GNO 1%, ≥1 GNO 2%, ≥10 GNO 3%, ≥100 GNO 4%, +1% OG NFT bonus (max 5%). Weekly GNO payouts; weekly spend caps tied to GNO holdings, reset 00:00 UTC Sundays. Geographic expansion planned: USA, Mexico, Colombia, Australia, Singapore, Thailand, Japan, Indonesia, India. Safe wallet integration. ~1.5% stabilization fee. Gnosis Pay sponsors the gas fees for card transactions, so spending costs no user gas despite settling on-chain. The Bank of Lithuania fined issuer UAB Monavate EUR 270,000 with a warning on 2025-11-25 for AML, management, and reporting breaches.
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The Gnosis Pay is a crypto debit card offered by Gnosis. It is available in EU/UK/LATAM and allows users to spend cryptocurrency at merchants worldwide.
The Gnosis Pay offers 1-5% GNO cashback. There are 4 tiers: Base (1%), Shrimp (2%), Dolphin (3%), Whale (4%).
The Gnosis Pay has an annual fee of €30 one-time. Additional fees: Conversion fee: ~1.5% stabilization fee (EURe direct spend); ATM: 5 free/mo, then 2%.
The Gnosis Pay has the following limits: daily spending limit: EUR 8,000 (single transaction EUR 5,000); daily ATM withdrawal limit: EUR 500 (single withdrawal EUR 250). Limits can vary by account tier and verification level.
Supported assets include EURe, USDCe, BRLA; top-up methods include Self-custodial Safe smart account on Gnosis Chain, SEPA bank transfer (EUR to EURe via Monerium), USD transfer (to USDCe via Noah), BRL transfer (to BRLA via Avenia); crypto deposits are supported on Gnosis Chain.
Yes. Gnosis requires standard identity verification (KYC), typically a government-issued ID, during signup.
The Gnosis Pay is available in EU/UK/LATAM.
The Gnosis Pay is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Gnosis Pay is a non-custodial (self-custody) card. This means you retain control of your private keys and your crypto is not held by a third party. Funds are only converted at the point of sale, reducing counterparty risk compared to custodial alternatives.
Yes, the Gnosis Pay supports Apple Pay and Google Pay for contactless payments.
The Gnosis Pay is issued by UAB Monavate (EEA); Monavate Ltd (UK). Licences: EMI (Bank of Lithuania, EEA); EMI (Financial Conduct Authority, UK).
Yes, the Gnosis platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: no; transfer limits: IBAN inbound: EUR 950/day, EUR 5,000/week, EUR 20,000/month. The personal IBAN is issued by Monerium EMI ehf (Iceland), not by Gnosis Pay or Monavate, and is attached to the user's own wallet; incoming EUR converts 1:1 to EURe on Gnosis Chain. It is receive-only inside Gnosis Pay: outbound bank transfers require Monerium directly or a partner wallet. IBAN access is gated more tightly than the card (EU and EEA cardholders plus a nationality whitelist).
The Safe holding spendable funds is a self-custodial wallet owned by the user, explicitly not an e-money or payment account, and not covered by the EU deposit guarantee scheme.
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