First regulated self-custodial Visa card in the EU. Spend directly from your Safe smart wallet on Gnosis Chain. No custodian holds your funds until moment of purchase. Earn GNO token rewards.
The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.
Reward summary
Up to Up to 5%, in gno tokens, paid in GNO (Gnosis tokens). No staking required for the base rate.
PLANS & TIERS
Compare the plans
This card has 4 plans. Select one to see its rate, fees and perks.
Tier 1 (0.1+ GNO)
Requirement: Hold at least 0.1 GNO in your Card Safe wallet
1%
Cashback
PRICE
€30/year + hold 0.1 GNO
ATM FEE
N/A
FX FEE
~1.5%
WHAT'S INCLUDED
✓1% GNO cashback on eligible purchases
✓Weekly spend cap applies
✓Self-custodial via Safe smart wallet
✓Spend EURe, GBPe, USDCe on Gnosis Chain
✓Apple Pay support
Plan
Tier 1 (0.1+ GNO)
Tier 2 (1+ GNO)
Tier 3 (10+ GNO)
Tier 4 (100+ GNO)
Cashback
1%
2%
3%
4%
Price
€30/year + hold 0.1 GNO
€30/year + hold 1 GNO
€30/year + hold 10 GNO
€30/year + hold 100 GNO (~$30,000)
ATM fee
N/A
N/A
N/A
N/A
FX fee
~1.5%
~1.5%
~1.5%
~1.5%
Requirement
Hold at least 0.1 GNO in your Card Safe wallet
Hold at least 1 GNO in your Card Safe wallet
Hold at least 10 GNO in your Card Safe wallet
Hold at least 100 GNO in your Card Safe wallet (~$30,000)
COSTS
Fees you'll actually meet
Annual fee
Cost to hold the card each year
€30/year (Safe wallet maintenance fee)
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
~1.5% stabilization fee
ATM withdrawal
Cash withdrawal cost
Not supported for ATM
Crypto conversion
When spending crypto directly
~1.5% stabilization fee
Issuance fee
One-off cost to get the card
Free
ℹ️ In GNO tokens
VERDICT
Strengths and trade-offs
WORKS FOR YOU IF
✓True self-custody
✓No annual fee or FX fees
✓Up to 5% cashback in GNO
✓EU regulated
✓No credit check
LOOK ELSEWHERE IF
!EU only
!No Apple Pay yet
!GNO rewards volatile
!Requires smart wallet knowledge
STANDOUT FEATURES
What sets it apart
✦First regulated self-custodial EU card
✦Safe smart wallet integration
✦On-chain spending on Gnosis Chain
✓ iOS app✓ Android app✓ Self-custody✓ No staking
ABOUT THIS CARD
Common questions
Where can I use the Gnosis Pay Card?
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Does the Gnosis Pay Card have an annual fee?
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Do I need to stake anything to earn rewards?
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How much can I earn with the Gnosis Pay Card?
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Is this a self-custody card?
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Figures on this page come from Monavate Ltd's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.
MONAVATE LTD
Up to 5%
€30/year (Safe wallet maintenance fee) · ~1.5% stabilization fee FX
