Gnosis Pay closed its consumer card. Here is what is left for holders and which cards take its place.

Updated October 2026

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Gnosis Pay is winding down its consumer card programme. The card and web app stop working on 20 December 2026, the support window runs until mid-2027, and the dispute window runs until mid-2028. Self-custody funds in the Safe account remain the holder’s property and can still be withdrawn after that date. This page explains what happened, what current holders should do before the cutoff, the risks that remain, and which alternative cards cover similar needs.

Conditions are current as of October 28, 2026.

Verdict

Gnosis Pay earns 4.5 out of 10 in this review, and the score reflects a programme in shutdown rather than a card you can sign up for today. The consumer side has stopped accepting new applications; the site now pitches a B2B card-issuing platform. Existing holders get a short runway to settle balances and recurring payments, then a long tail of withdrawal and dispute support. The card itself, when it was active, was free to issue and free to use, with no added FX fee on top of Visa’s rate, and self-custody through a Safe smart account was a real point of difference. The closure notice, the historical support complaints on Trustpilot, and a reported exploit earlier in 2026 pull the score down sharply.

The total is 4.5 / 10.

For current holders the question is no longer whether to sign up but how to get their balance out cleanly and on time. For anyone reading about Gnosis Pay for the first time, this is a closed product: the consumer card is being replaced by partner cards, and the B2B side is aimed at businesses that want to issue cards on Gnosis Pay rails. If you arrived here looking for an active crypto card to apply for, jump to the alternatives section. If you already hold a Gnosis Pay card, the holders section below is the part that matters to you.

What happened to the programme

The story is a controlled shutdown with a published timeline. Gnosis Pay published a formal closure notice on 21 September 2026, setting out dates that govern everything a cardholder can and cannot do from now on. The card and web app stop authorising transactions at 23:59 UTC on 20 December 2026; after that, the web app stays open only for withdrawals. General cardholder support ends at 23:59 UTC on 18 June 2027. Refund, dispute and chargeback support ends at 23:59 UTC on 12 June 2028.

Before the closure, Gnosis Pay was a Visa card issued by Monavate Limited under a Visa Europe licence, with both a virtual card (issued instantly after KYC) and a physical card. Settlement was T+1. The card was managed through a web application at app.gnosispay.com, with Apple Pay and Google Pay integration. The company behind the programme is Gnosis Pay Co Ltd, a UK-registered company (No. 14919639), and Monavate Limited is the named issuer, authorised by the UK Financial Conduct Authority as an electronic money institution (FRN 901097). For EEA cardholders the issuer is UAB Monavate, supervised by the Bank of Lithuania. Gnosis Pay itself is the technical services provider and programme manager, not the issuer.

The geographic reach, before closure, was a list of selected European and Latin American countries, including Argentina, Austria, Belgium, Brazil, Bulgaria, Colombia, Croatia and Cyprus, with other EEA countries in scope and a waitlist for additional markets. KYC was handled by Sumsub in a unified flow. The card supported EURe, GBPe and USDCe balances, and spent 1:1 against those balances, with no fee added by Gnosis Pay on the conversion; Visa’s exchange rate applied, and the help centre advised choosing the local currency at terminals to avoid dynamic currency conversion. The site also lists corridors in USD, EUR, GBP, BRL and ARS and partner apps, pointing to the B2B direction the company has taken.

On the cost side, the card was free to issue and free to deliver; an older EUR 30.23 purchase fee in the help centre has been superseded. There were no transaction fees from Gnosis Pay and no added FX fee on top of Visa’s rate. Replacement of a lost or stolen card was 4.99 EURe/GBPe/USDCe including shipping. ATM use was free up to five times a month or 200 EURe/GBPe/USDCe, after which a 2% fee applied with a minimum of 1 EUR or 1 GBP; per-transaction and daily ATM limits were EUR 250 and EUR 500. Spend limits were EUR 5,000 per regular transaction, up to EUR 8,000 per day. There was a single consumer tier; no metal card and no cashback tiers were published for the consumer product. B2B tiers (Startup, Enterprise) exist on the issuing side but are not relevant to a cardholder.

The funding model was self-custody through a Safe smart account on Gnosis Chain, holding EURe, GBPe and USDCe, with USDC and EURC also mentioned on Ethereum, Polygon and Gnosis Chain. That structure is what makes the closure work the way it does: because the Safe is a self-custodial smart contract account, the assets remain the holder’s property. Neither Gnosis Pay nor Monavate can take them, and they can be moved via third-party Safe interfaces with the existing signer key.

The shift in focus is visible on the site itself. A 7 September 2026 update pitches the B2B card-issuing platform, and the 21 September 2026 notice marks the consumer product’s end. Unofficial news from 24 September 2026 reports that MiniPay will handle migration and issue replacement cards on Gnosis Pay enterprise rails. News (not official) says GNO cashback eligibility ended on 30 September 2026, with a final distribution on 7 October 2026. The closure notice does not describe a cashback programme on the current card; partner programmes may have different rewards, and questions on rewards should go to the partner.

Two unofficial notes complete the picture. Russia is on the restricted list and is not an eligible application country, per a third-party tracker (cryptocardhub, August 2026). And a June 2026 exploit hit the Gnosis Pay delay module; co-founder Koppelmann said Gnosis would cover user losses, and the status of compensation is not confirmed here. Unofficial third-party sources also note that the standard KYC package is age 18 or over, government ID or passport, and proof of address issued within the last three months, with approval not guaranteed.

If you already have the card

This section is for current cardholders. The actions below matter, in roughly this order, and most of them have a deadline.

Move balances and recurring payments before 20 December 2026. The web app stops authorising transactions at 23:59 UTC on 20 December 2026. Any recurring payment that is not moved to a different card before that cutoff will fail; Gnosis Pay cannot migrate a direct debit or subscription to another card on the holder’s behalf. Transactions that were authorised before the cutoff but have not yet settled will still complete. Refunds that arrive after deactivation cannot be used on the card. If you use Apple Pay or Google Pay, the tokenised card number on the phone will stop working at the same time, so take the new card out of the wallet and add its replacement.

Export your records now. The help centre recommends exporting your transaction history and noting the card’s last four digits and expiry before 20 December 2026. The web app is the only place to do this in a structured form. Save receipts and any evidence of disputed transactions; you will need them if you raise a case after the cutoff.

Understand what the withdrawal path looks like. Withdrawals stay open on the web app after 20 December 2026, with no published deadline, at app.gnosispay.com/withdraw. Because the Safe is self-custodial, neither Gnosis Pay nor Monavate can move the funds for you, and they cannot block a transfer; the holder is the only party who can authorise a withdrawal through the Safe. Gnosis Pay recommends withdrawing before 20 December 2026 anyway, while the full web app is still up. Blockchain network fees apply to on-chain transfers, and a transfer out of the Safe is a normal on-chain transaction that you can also execute through a third-party Safe interface with your existing signer key. Unofficial reporting (Crypto Briefing, September 2026) says the web app stays available in limited capacity after the cutoff for withdrawals only, and that funds in Safe accounts have no withdrawal deadline; the official help-centre page, “Is Gnosis Pay shutting down?”, phrases the same thing less firmly, saying the web app is deprecated “by end of 2026” and that migration paths stay open “for as long as possible”.

ATM use has a small free allowance and a 2% fee after it: free up to five withdrawals per month, or 200 EURe/GBPe/USDCe combined, after which 2% applies with a minimum of 1 EUR or 1 GBP; the per-transaction limit is EUR 250 and the daily limit is EUR 500. Spend limits are EUR 5,000 per regular transaction, up to EUR 8,000 per day. There is no top-up fee from Gnosis Pay, no minimum top-up is published, and gas is not charged on card transactions; gas applies only to on-chain transfers out of the Safe. Unofficial sources add that funding from another chain may require a swap or bridge with network and DEX costs.

Support does not stop on the same day as the card. General cardholder support runs until 23:59 UTC on 18 June 2027. Refund, dispute and chargeback support runs until 23:59 UTC on 12 June 2028. After those dates, statutory rights against the issuer (Monavate) are not limited by them, but the practical ability to raise a case with Gnosis Pay is. The support channels are the help centre at help.gnosispay.com, the support email [email protected], and the complaints address [email protected], which is forwarded to Monavate. Monavate also accepts complaints in English or Lithuanian at [email protected]. The path for unresolved complaints is the Financial Ombudsman Service in the UK or the Bank of Lithuania in the EEA.

Your dispute and chargeback rights survive the closure. Rights for unauthorised or incorrectly executed transactions and card-scheme chargeback rights are not affected by the shutdown; scheme time limits apply, so raise disputes promptly. The help centre and [email protected] are the right place to start. Statutory rights against Monavate are not limited by the 12 June 2028 support date, and that date only describes how long Gnosis Pay will help with the paperwork.

If you choose to move to a partner card, treat it as a new product, not a transfer. Moving to a partner app means a new card programme, a new Safe, new terms, and potentially a new identity and compliance check. Partner-app questions go to the partner, not to Gnosis Pay. Unofficial news (24 September 2026) says MiniPay is one such partner; readers should check the partner’s own site for current conditions, fees and country list.

What can go wrong

The closure is the headline risk, and the rest of the list is shorter but worth taking seriously.

• The card stops authorising at 23:59 UTC on 20 December 2026. Anything still pointing at it, including subscriptions and tokenised wallet entries, will fail. Move them, or accept the failure.
• Support decays in two steps. General support ends 18 June 2027; dispute and refund support ends 12 June 2028. The earlier you raise an issue, the easier it is.
• The Trustpilot score is poor. Read on 20 October 2026, Gnosis Pay’s Trustpilot rating was 2.3 out of 5, “Poor”, across 38 reviews, with 58% one-star and 21% five-star. Common themes in user reports (March-July 2026) are unresponsive support, with chat, tickets and email going unanswered for one to several weeks; missing or blocked funds, with balances dropping after failed top-ups and withdrawal attempts pending for two weeks or more; KYC rejections without reasons, including “country not supported” responses for countries that had been listed (Italy and Mexico appear in reports from 2025 and 2026); and account deactivation or login problems. Other regional pages showed 2.5. These are user reports, not findings of fact, but the pattern is consistent.
• A June 2026 exploit hit the delay module, per unofficial reporting. The co-founder said Gnosis would cover user losses; the status of compensation is not confirmed here, and the official help centre is the right place to check your specific case.
• Russia is on the restricted list for card use and is not an eligible application country (unofficial). Cardholders who travelled through or reside in restricted regions may find the card declined. The official help centre lists the same restricted-country rule for general use.
• Self-custody is a feature, but it is also a personal responsibility. The Safe is on Gnosis Chain, and the signer key is what controls it. If you lose the key, no one at Gnosis Pay or Monavate can recover the funds. Third-party Safe interfaces can be used, but they do not change the key requirement.
• Funds are safeguarded only to the extent the issuer is required to safeguard them. The card balance is e-money issued by Monavate; the on-chain Safe balance is the holder’s own property. The two are not the same, and e-money is not the same as a bank deposit.
• Two-factor authentication, freeze and unfreeze, spending controls, and insurance of funds are not described on the official site. Do not assume they exist by default.

What to take instead

Gnosis Pay’s consumer card is closed. Three cards cover the ground the old product used to cover, and the comparison below focuses on what each one does and what it costs. None of these are Gnosis Pay products; they are alternatives a reader can consider instead.

MetaMask Card, 7.1 / 10. A Mastercard issued by Monovate, with Crypto Life as the card provider. Sign-ups are open in 45 listed countries and territories (Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain and Uruguay among them); other regions can join a waitlist. US and UK sign-ups are temporarily closed per the FAQ. Proof of residency is required; “ineligible regions limit sign-ups, not spending”, so a card issued in a listed country can be spent elsewhere. The Virtual card is free, with no annual or maintenance fee; the Metal card is $199 per year. The published fee line is “a minimal fee for each transaction”, with the amount on a linked fee table; there is no additional MetaMask fee, no foreign transaction fee, and the Mastercard rate is used. Funding is direct from the connected wallet, on Linea, Base, Monad and Solana, with mUSD, wETH, EURe, GBPe, USDC and USDT among the named tokens (the page says nine in total); Solana-only wallets cannot withdraw credit. Cashback is paid in mUSD into the Money Account: 1% on Virtual, headline 3% on Metal with a footnote that limits 3% to the first $10,000 spent and drops to 1% above that. The Blackbird dining app adds a $FLY bonus at 5x on Virtual and 7x on Metal.

KAST, 6.1 / 10. A Visa programme with up to 10 cards per user, in three tiers: Visa Platinum Standard, Visa Infinite Premium (metal), and Visa Infinite Private (gold plated). Other designs include Pengu, Solana and Bitcoin. The account balance is in USD; stablecoin deposits convert 1:1 with a 0% spread. The annual membership is 0 USD for Standard, 1,000 USD for Premium, and 10,000 USD for Private, billed annually upfront with no monthly option. Standard physical card has a 0 USD card fee plus 40 USD delivery; Premium and Private physical cards are included. An extra virtual card is 2 USD (“in some regions” 2 USD also on included Standard virtual cards). There is a 1 USD per month inactivity fee after 12 months. Stablecoin top-up is 0%; card spend in USD is 0%; transaction fee is 0%; Apple Pay and Google Pay are 0%. The non-USD FX fee is 0.5% to 1.75% depending on residence country, transaction country and card programme. Non-USD transactions under 25 USD carry a 0.10 USD fee; declined transactions for insufficient balance cost 0.50 USD. Non-stablecoin tokens may be auto-converted at a fee shown in the app. Accepted stablecoins include USDT, USDC, PYUSD and RLUSD; the app lists current networks including Ethereum, Solana, Polygon, Arbitrum and TRON; the Terms still describe USDT and USDC, so the live list in the app is the one to follow. Cashback in USD: Standard 1.5% on the first 2,000 USD per month, Premium 2% on the first 10,000 USD, Private 3% on the first 40,000 USD; KAST Points add another 1% (Premium) or 2% (Private) of eligible spend. Country availability is shown at KYC; the public site does not publish a list, and “if your country isn’t listed, it means KAST is not available there”. Citizenship matters, and VPN does not bypass KYC.

Zeal, 6.1 / 10. A Visa card with virtual card for online use, addable to Apple Pay; the accounts are in EUR, USD and GBP, and Zeal is built on Gnosis Pay rails. Spend is in 150+ countries, with issuance depending on eligibility and regional availability; the live programme is documented in the EU, UK, Brazil, Colombia, Mexico, Japan, Singapore, Philippines, Indonesia and Thailand, and Zeal’s own update notes mention Mexico, Colombia and Bolivia. A physical card is not described. No fee schedule is published on zeal.app or in the App Store listing. Zeal charges no additional FX fee; conversion is at the Visa wholesale rate, and Gnosis Pay fees such as the ATM fee may still apply. Funding is from balances in the card Safe, in EUR, USD and GBP stablecoin accounts, on Gnosis Chain and Celo (per docs). Cashback is up to 4% paid in GNO on Gnosis Chain; GNO must be held in the card Safe to qualify, and rates can change. The App Store also advertises up to 5% variable APY on EUR and USD balances.

A few notes that apply across the three. None of them is a drop-in replacement: MetaMask Card requires a connected wallet with one of the listed networks and tokens; KAST has a high annual fee on its top tier and a clear residency rule; Zeal is built on Gnosis Pay infrastructure, so its future depends on the same rails. If a self-custody model is the reason you looked at Gnosis Pay, MetaMask Card is the closest match in spirit; if an annual-fee tier with a metal card and a published FX schedule matters more, KAST has the most structure; if you are happy to stay inside the Gnosis ecosystem, Zeal is the path of least friction.

Who I would recommend it to

The honest answer is: to no one as a new product. The consumer card is closed, the web app is closing, and the support window is shrinking. If you already hold a Gnosis Pay card, the recommendation is to use the time between now and 20 December 2026 to move recurring payments, export your transaction history, and either withdraw your Safe balance or confirm independently that you can withdraw it through a third-party Safe interface. After the cutoff, the only things you can still do are withdraw, raise a dispute, and escalate to the issuer. Do not wait until 20 December to start; the more you do before the cutoff, the less you depend on a long, dated support tail.

For anyone arriving at this page looking for a crypto card to apply for, the recommendation is to skip Gnosis Pay as a consumer product and look at MetaMask Card, KAST or Zeal instead, with the caveat that none of them is a perfect substitute. Read the fee schedule of any alternative you consider, not just the headline; cashback rates change, FX fees vary by residence and transaction country, and metal tiers carry annual fees that need to be paid for in months when the cashback alone would not cover them. If self-custody is non-negotiable, MetaMask Card is the closer fit. If a structured tier with a metal card and a published FX schedule matters, KAST has the most explicit table. If staying within the Gnosis rails matters, Zeal is the direct successor, on the same issuer and the same Safe-based model.

A few things to check first, regardless of which card you end up on. Confirm that your country is on the supported list at sign-up, not on the restricted list for card use. Read the FX line carefully: a 0% added fee on the card side does not mean 0% in practice, because dynamic currency conversion at a terminal can add a margin that the card issuer cannot recover. Read the dispute and refund support window in the same way you would read a warranty: the date at the bottom of the page tells you how long you can rely on the company to handle a case. And, for any self-custody card, hold the signer key in a way that does not depend on the card provider’s app: a hardware wallet, a written copy of the seed phrase, or both, so that the day the app closes is not the day you lose access to your funds.

Frequently asked questions

What is the Gnosis Pay card?

The Gnosis Pay card was a Visa debit card, virtual and physical, issued by Monavate Limited under a Visa Europe licence, with balances in EURe, GBPe and USDCe held in a self-custody Safe account on Gnosis Chain. The consumer programme is being closed: the card and web app stop working on 20 December 2026, with a longer support tail for disputes and refunds. Gnosis Pay now focuses on a B2B card-issuing platform for partner programmes.

How does the Gnosis Pay card work?

You held stablecoin balances in a self-custody Safe smart account, and the card spent those balances 1:1, with no fee added by Gnosis Pay on the conversion and Visa’s exchange rate applied automatically. The web app was the management surface, and the card could be added to Apple Pay and Google Pay. ATM withdrawals were free up to five times a month or 200 EURe/GBPe/USDCe, then 2% applied, with limits of EUR 250 per transaction and EUR 500 per day.

Is Gnosis Pay a bank?

No. Gnosis Pay Co Ltd is a UK-registered company (No. 14919639) acting as a technical services provider and programme manager. The card was issued by Monavate Limited, an FCA-authorised electronic money institution (FRN 901097), and for EEA cardholders the issuer was UAB Monavate, supervised by the Bank of Lithuania. An electronic money institution can issue e-money and payment cards but cannot lend like a bank, and e-money balances are not bank deposits.

Who owns Gnosis Pay?

The trading name belongs to Gnosis Pay Co Ltd, a UK-registered company. The card programme is run in partnership with Monavate as the issuer, and the consumer side is being wound down in favour of a B2B platform for partner programmes, with MiniPay reported (unofficial, 24 September 2026) as one of the partners handling migration.

Is the Gnosis Pay card available in my country?

The consumer programme is no longer issuing cards. Before closure, the supported list included selected European and Latin American countries, such as Argentina, Austria, Belgium, Brazil, Bulgaria, Colombia, Croatia and Cyprus, with other EEA countries in scope and a waitlist for additional markets. Russia was on the restricted list and was not an eligible application country, per unofficial reporting. For any alternative card, check the supported list and the restricted list at sign-up; they are not the same thing.

Can I use the Gnosis Pay card in restricted countries?

No. The card cannot be used in restricted countries even if it was issued in an eligible country. If you travel to a restricted country, transactions will be declined. The restricted list is set by the issuer and programme, not by the cardholder.

How do I top up the Gnosis Pay card?

You funded a self-custody Safe account on Gnosis Chain with EURe, GBPe or USDCe, with USDC and EURC also mentioned on Ethereum, Polygon and Gnosis Chain. The card spent the balance 1:1. There was no top-up fee from Gnosis Pay, no minimum top-up is published, and gas was charged only on on-chain transfers, not on card transactions. Unofficial sources note that funding from another chain required a swap or bridge, with network and DEX costs.

How do I withdraw money from Gnosis Pay?

Withdrawals stay open on the web app after 20 December 2026 at app.gnosispay.com/withdraw, with no published deadline, and Gnosis Pay recommends withdrawing before 20 December 2026. Because the Safe is self-custodial, you can also use a third-party Safe interface with your existing signer key. Blockchain network fees apply to on-chain transfers. Withdraw the balance while the full web app is still up; the post-cutoff limited capacity is for withdrawals only.

Is the Gnosis Pay card free?

The card was free to issue and free to deliver, with no transaction fees from Gnosis Pay and no added FX fee on top of Visa’s rate. An older EUR 30.23 purchase fee in the help centre has been superseded. ATM use was free up to five times a month or 200 EURe/GBPe/USDCe, then 2% applied with a minimum of 1 EUR or 1 GBP. Replacement of a lost or stolen card was 4.99 EURe/GBPe/USDCe including shipping.

Is the Gnosis Pay card safe?

The self-custody design is a real point of difference: the Safe account sits on Gnosis Chain, the holder controls the signer key, and neither Gnosis Pay nor Monavate can move the funds. Against that, the Trustpilot score was 2.3 out of 5 as of 20 October 2026, with user reports of unresponsive support, missing or blocked funds, and unexplained KYC rejections; and a June 2026 exploit hit the delay module, with the co-founder saying losses would be covered (unofficial, status of compensation not confirmed). The closure notice itself is a risk: the card stops authorising on 20 December 2026, and support decays in two steps through 2027 and 2028.

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