debitvirtualphysical Visa KYC: ID Verification

Gnosis Pay Card

Name: Gnosis Pay Card
Brand: Monavate Ltd
Availability: OutOfStock

by Monavate Ltd

Self-custodial Visa debit card spending from your own Safe account

7.8

/ 10

Overall

Very good

Editor score

Get this card → Official site

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Overview

The Gnosis Pay Card is one of the purest self-custody crypto cards: your funds sit in your own Safe smart account on Gnosis Chain, controlled by a wallet you already own like MetaMask or Ledger. There are no transaction or FX fees and spending is gasless, with cashback up to 5% in GNO. The trade-offs are a $30 issuance fee, a Gnosis-Chain-only stablecoin set (EURe, GBPe, USDCe), and a steeper learning curve with no native mobile app.

Key facts

Card type: Debit, Virtual, Physical
Card network: Visa
Custody: Non-custodial (Safe smart account)
Cashback: Up to 5% in GNO (tiered by GNO held)
Referral bonus: —
Apple Pay: Yes
Google Pay: Yes

Unique features

Self-custodial Safe Smart Account architecture
Independent wallet as signer (MetaMask/Ledger/Rainbow)
On-chain transparency and gasless spending

India availability

Gnosis Pay is centred on Europe and the EEA and is not aimed at Indian residents. It requires Gnosis Chain stablecoins and some Web3 knowledge, and is not currently a practical option for spending in India.

Available in India

INR top-up

Indian KYC accepted

Ships to India

Best for Indian users

Web3-native European users who want maximum self-custody.

Gnosis Pay is focused on Europe and the EEA and is not currently aimed at Indian residents.
It requires Gnosis Chain stablecoins (EURe, GBPe, USDCe) and some Web3 knowledge, which makes it impractical for spending in India today.
See our crypto cards in India guide for cards that do accept Indian residents.

Pros & cons

Pros

True self-custody — funds remain in your own Safe account
No transaction or FX fees from Gnosis Pay
Gasless card transactions
Up to 5% cashback in GNO
Connects to independent wallets like MetaMask and Ledger
Comes with a personal IBAN

Cons

$30 card issuance fee
Strictly limited to Gnosis Chain stablecoins (EURe, GBPe, USDCe)
Requires Web3 knowledge (wallets, bridges, gas)
No native mobile app — web app only
European focus, limited broader availability

Fees

Gnosis Pay Card fee structure
Monthly fee	Free
Annual fee	Free
Virtual card issuance	Free
Physical card issuance	$30 (includes shipping)
Crypto-to-fiat conversion	Free (EURe/GBPe/USDCe)
FX / foreign-currency fee	None (Visa rates apply)
ATM fee	2% after free allowance
Top-up fee	Free
Shipping	Included with issuance
Replacement	$5
Inactivity fee	None

Issuance is about $30 and includes shipping. Gnosis Pay charges no transaction or FX fees (Visa rates apply). ATM withdrawals are free up to 5 withdrawals or €200 per month, then about 2%. Card transaction gas is sponsored, but you pay gas to fund or defund the wallet.

Limits

Per transaction

€5,000

Daily spend

Region-dependent

Monthly spend

Region-dependent

ATM withdrawal

5 free withdrawals or €200/month

Card formats

Virtual Card

Available

Issuance: Free
Shipping: Instant digital issuance

Physical Card

Available

Material: Plastic
Issuance: $30 (includes shipping)
Shipping: Included
Replacement: $5

KYC requirements

Level 3 of 4 — ID Verification

Gnosis Pay Card KYC requirements
Email verification	Required
Phone verification	Required
Identity document	Required
Proof of address	Not Required
Selfie verification	Not Required

Integrations & tech

Apple Pay

Google Pay

iOS app

Android app

IBAN support

Debit mode

Credit mode

Supported crypto

Tokens

EURe GBPe USDCe

Chains / networks

Gnosis Chain

Scores

Editor score

How we rate — see our methodology.

KYC simplicity 7.0

Fee efficiency 8.0

Reward value 7.8

App experience 6.5

Privacy 9.0

Support quality 6.5

Community score

7.0 / 10

Based on 10 cited sources

Sources

Perks & benefits

Gasless card transactions (Gnosis Pay covers gas)
Personal IBAN via Monerium for 1:1 EURe minting and redemption
Weekly cashback in GNO
True self-custody with your own wallet as signer

Rewards program details

Cashback of 1–4% depends on the amount of GNO held in your Safe, with a +1% bonus for OG NFT holders (up to 5%). Paid weekly.

Exclusions

Gambling and cash withdrawals do not earn cashback

Frequently asked questions

Is the Gnosis Pay Card available in India?

No. Gnosis Pay is centred on Europe and the EEA and is not currently available to Indian residents.

Is Gnosis Pay really self-custodial?

Yes. Your funds sit in your own Safe smart account on Gnosis Chain, controlled by a wallet you own such as MetaMask or Ledger. The issuer does not hold your private keys.

What fees does Gnosis Pay charge?

About $30 issuance (includes shipping), a $5 replacement, and 2% ATM after the free allowance. There are no transaction or FX fees from Gnosis Pay, and card gas is sponsored.