Gnosis Pay Card

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Gnosis Pay Card scores 12 of 16 on the CBL Card Score. Gnosis Pay, Visa. Self-custodial Safe on Gnosis Chain. Monavate, FCA and Bank of Lithuania e-money.

CBL Card Score: 12 of 16

Criterion	Points	What we found	Source
Custody	2 of 2	Self-custodial. Funds sit in a Safe smart account on Gnosis Chain owned by the user's own wallet, and the FAQ says funds are "only ever stored on Safe" (official, help FAQ, checked 20 Oct 2026). The cardholder terms say supported funds in the Safe are not a deposit, earn no interest, and are not covered by any deposit guarantee scheme or the FSCS (official, EEA and non-EEA cardholder terms). After the consumer shutdown, funds stay under the user's control and withdrawals remain open (official, "Is Gnosis Pay shutting down?" help article).	official checked 20 October 2026
Issuer and licence	2 of 2	UK and other non-EEA cards: Monavate Ltd, England and Wales, registered number 12472532, authorised by the FCA to issue electronic money and provide payment services, FCA registration 901097, Visa principal member (official, non-EEA cardholder terms). EEA cards: UAB Monavate, Lithuania, entity code 305628001, authorised by the Bank of Lithuania to issue electronic money and provide payment services, authorisation code LB002139901097 (official, EEA cardholder terms).	official checked 20 October 2026
Availability	0 of 2	The country page lists 35 supported countries: 30 EEA states plus Switzerland, the UK, Argentina, Brazil (card issuance through PicNic only) and Colombia; Mexico is "coming soon"; no UAE, Saudi Arabia or US (official, help centre country page, checked 20 Oct 2026). New card sign-ups were disabled on 30 Sep 2026 and no new cards are issued to existing accounts (official, "Is Gnosis Pay shutting down?" help article, checked 20 Oct 2026). The direct consumer card stops working on 20 Dec 2026 at 23:59 UTC, with cardholders pointed to partner apps (third-party: Crypto Briefing, 24 Sep 2026; The Defiant, 24 Sep 2026). Scored 0 as closed to new applicants.	official checked 20 October 2026
FX fee on a foreign-currency purchase	2 of 2	Gnosis Pay adds no conversion fee on non-EUR spend; Visa's exchange rate applies at the time of purchase (official, "Understanding Your Card's Fees and Limits" help article, checked 20 Oct 2026). Purchases settle 1:1 from EURe, GBPe or USDCe. A third party puts the Visa rate at 0.2% to 0.4% above mid-market (third-party: SpendNode, 26 Sep 2026).	official checked 20 October 2026
Funding cost	2 of 2	Card order free, delivery of the physical card included; no transaction fee on purchases; replacement card 4.99 EURe, GBPe or USDCe including delivery; no monthly fee listed (official, fees and limits help article, checked 20 Oct 2026). Top-ups are on-chain transfers of EURe, GBPe or USDCe to the user's Safe on Gnosis Chain, with gas as the only cost (official). An older FAQ article still shows "EUR 30.23 to purchase the card" (official, help FAQ, no date shown). Scored on the current fees page.	official checked 20 October 2026
Apple Pay and Google Pay	2 of 2	Google Wallet supported in the EEA, Switzerland, Gibraltar, the UK and Brazil (official, Google Wallet help article, checked 20 Oct 2026). Apple Pay supported except for users in the UK, Switzerland, Gibraltar and Brazil (official, Apple Pay help article, checked 20 Oct 2026).	official checked 20 October 2026
Freeze and dispute policy	2 of 2	Unauthorised transactions must be reported without undue delay and no later than 13 months after the transaction date; the issuer refunds "without delay", and liability is capped at EUR 50 before a loss is reported (official, EEA cardholder terms, section 12). Refund requests on authorised transactions within 8 weeks, with a decision within 10 business days (official, both cardholder terms, section 13). Complaints: acknowledgement within 24 hours and a final response within 15 business days, extendable by 20 business days, with escalation to the Financial Ombudsman Service for UK residents or the Bank of Lithuania for EEA residents (official, cardholder terms). Chargebacks are not named in the terms. Card freezing sits in the app; no dedicated help article was found.	official checked 20 October 2026
Yield on idle balance	0 of 2	None on the consumer card. The cardholder terms state that supported funds earn no interest (official, EEA and non-EEA cardholder terms). The partner-facing homepage mentions "auto-yield deposits" for wallets with no rate or terms (official, gnosispay.com, checked 20 Oct 2026).	official checked 20 October 2026

Total 12 of 16. Official means the company's own site, terms or help centre. Third-party means a named review site with its own check date; a third-party fact is reported, not verified, and the score stands until an official source confirms or contradicts it.

Score history

20 October 2026

12 of 16

First score; closed to new applicants

Standing

Company	Gnosis Pay. Card programme manager for UK and other non-EEA cardholders is Gnosis Pay Co Ltd, England and Wales, company number 14919639 (official, non-EEA cardholder terms). For EEA cardholders the programme manager is Herois Dos Sinonimos, Unipessoal LDA, Portugal (official, EEA cardholder terms). Since 3 Sep 2026 Gnosis Pay has been winding down its own consumer card and web app to become a card programme manager for partner apps (official, gnosispay.com/blog/gnosis-pay-the-next-era).
Network	Visa (official). official
Rails	Monavate Ltd (UK, FCA) and UAB Monavate (Lithuania, Bank of Lithuania) issue the Visa card, with Gnosis Pay as programme manager (official). Money never leaves the user's Safe on Gnosis Chain until a purchase settles (official).
Website	gnosispay.com
Health tag	Watch The card is issued by Monavate under FCA and Bank of Lithuania e-money licences and funds are self-custodied, but Gnosis Pay closed new sign-ups on 30 Sep 2026 and the direct consumer card stops working on 20 Dec 2026 (official help article; third-party: Crypto Briefing, 24 Sep 2026).
Last checked	20 October 2026

When it goes wrong

Unauthorised transactions must be reported without undue delay and no later than 13 months after the transaction date; the issuer refunds "without delay", and liability is capped at EUR 50 before a loss is reported (official, EEA cardholder terms, section 12). Refund requests on authorised transactions within 8 weeks, with a decision within 10 business days (official, both cardholder terms, section 13). Complaints: acknowledgement within 24 hours and a final response within 15 business days, extendable by 20 business days, with escalation to the Financial Ombudsman Service for UK residents or the Bank of Lithuania for EEA residents (official, cardholder terms). Chargebacks are not named in the terms. Card freezing sits in the app; no dedicated help article was found.

The dispute route, in order: the company's own support desk, then the card network's chargeback rules, then the regulator of the issuer where one is named. A frozen card is a question, not a verdict: the Frozen Account Survival Kit applies to cards too.

Costs

FX	Gnosis Pay adds no conversion fee on non-EUR spend; Visa's exchange rate applies at the time of purchase (official, "Understanding Your Card's Fees and Limits" help article, checked 20 Oct 2026). Purchases settle 1:1 from EURe, GBPe or USDCe. A third party puts the Visa rate at 0.2% to 0.4% above mid-market (third-party: SpendNode, 26 Sep 2026). official
Funding	Card order free, delivery of the physical card included; no transaction fee on purchases; replacement card 4.99 EURe, GBPe or USDCe including delivery; no monthly fee listed (official, fees and limits help article, checked 20 Oct 2026). Top-ups are on-chain transfers of EURe, GBPe or USDCe to the user's Safe on Gnosis Chain, with gas as the only cost (official). An older FAQ article still shows "EUR 30.23 to purchase the card" (official, help FAQ, no date shown). Scored on the current fees page. official
ATM	5 free withdrawals a month or up to 200 EURe, GBPe or USDCe, whichever comes first, then 2% per withdrawal; 250 per withdrawal and 500 a day (official, fees and limits help article, checked 20 Oct 2026).
Tiers	None for the consumer card. Cashback tiers by GNO held are above and have ended (official).

Cashback, as of 20 Oct 2026

Ended. The GNO cashback programme closed on 30 Sep 2026 across partners (official, "Is Gnosis Pay shutting down?" help article). Before that: 1% with 0.1 GNO held, 2% with 1 GNO, 3% with 10 GNO, 4% with 100 GNO, plus 1% for OG NFT holders up to 5%, with weekly caps from $250 to $1,250 (third-party: SpendNode, 26 Sep 2026).

Cashback is a dated fact, not part of the Card Score. Promo rates change too often to score.

Availability

The country page lists 35 supported countries: 30 EEA states plus Switzerland, the UK, Argentina, Brazil (card issuance through PicNic only) and Colombia; Mexico is "coming soon"; no UAE, Saudi Arabia or US (official, help centre country page, checked 20 Oct 2026). New card sign-ups were disabled on 30 Sep 2026 and no new cards are issued to existing accounts (official, "Is Gnosis Pay shutting down?" help article, checked 20 Oct 2026). The direct consumer card stops working on 20 Dec 2026 at 23:59 UTC, with cardholders pointed to partner apps (third-party: Crypto Briefing, 24 Sep 2026; The Defiant, 24 Sep 2026). Scored 0 as closed to new applicants. official

Identity checks: Fractal handles KYC: age 18 or over, residence in an eligible country, ID document, proof of address and a liveness selfie (official, help FAQ).

What we still need confirmed

Facts marked official come from Gnosis Pay's own pages or terms. Facts marked third-party are reported by a named review site and count as reported, not verified. These items are open for the next Monday sweep:

• The 20 Dec 2026 end date comes from press reports of a cardholder notice dated 21 Sep 2026; the official help article says only "end of 2026". Confirm from the notice. open
• Whether the record should move to a partner card (MiniPay, PicNic, Zeal or another) that still issues on Gnosis Pay rails. Rescore availability to 1 if a partner card is open to EU and UK residents. open
• Monavate's own fee schedule for FX. Rescore FX to 1 if any markup above the Visa rate applies. open
• Card freeze instructions in the app. No help article found. open
• tile_color taken from the dominant colour of the logo file in assets/logos/ on 20 Oct 2026; confirm against brand assets. open

See a mistake? Email hi@cryptobanklist.com. Every factual correction is logged on our corrections page.

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