Gnosis Pay
Gnosis Pay · Visa
That 5% on the banner isn't what you pocket.
After FX markup, fees and withdrawals, on an average profile of €1,000/mo (20% abroad).
Data verified on unchanged since personalise the calc the sources
Worth it if you want a self-custodial Visa card linked to a Safe, with 0% FX markup and a SEPA Instant IBAN in EURe stablecoin.
Avoid it if you need to withdraw cash: no ATM is available, and the up-to-5% cashback is in GNO, tied to holding and a time-limited program.
Gnosis Pay is a self-custody Visa card with an integrated SEPA Instant IBAN and EURe stablecoin settlement: funds stay under your control via a Gnosis Safe. It applies 0% FX markup and up to 5% cashback in GNO (1-4% based on how much GNO you hold — holding, not staking — + 1% with the OG Card NFT), via the GIP-131 programme funded by Gnosis through 30 June 2026 (pending renewal). It does not support ATM withdrawals and requires setting up a Safe wallet.
Data & conditions
§ Amounts in USD/GBP are shown in the service's native currency.
| Network | Visa |
|---|---|
| Fund custody | Self-custody (funds in your control) |
| Issuance fee | €30 |
| Annual fee | Free |
| Free ATM limit | No ATM available |
| ATM withdrawal | Free |
| FX markup | 0% |
| Cashback | 5% in GNO · Richiesto staking/holding del token |
| Chains | Gnosis Chain |
| On-chain settlement | Yes |
| Contactless | Yes |
| Virtual card | Yes |
| KYC | Full |
| Privacy | 6/10 |
| Supported countries | EEA, UK, LATAM · 35+ countries |
| Funding / solidity | $100B+ in asset gestiti su Safe · zero incidenti di sicurezza |
| Estimated net annual cost | €0/year |
| Regulator | UK FCA; Bank of Lithuania |
| Segment | B2C |
| Funding / solidity | $100B+ in assets managed on Safe · zero security incidents |
| MiCA / License status | MiCA MiCA-compliant (EURe) |
Plans & pricing
Strengths
- Self-custody via Gnosis Safe: full control of funds
- 0% FX markup + SEPA Instant IBAN in EURe
- Up to 5% cashback in GNO
- Self-custody: funds stay in your wallet — the platform cannot touch them.
Weaknesses
- No ATM withdrawals available
- Requires setting up a Safe wallet
- €30 issuance cost for the physical card
- GNO cashback tied to holdings and the Gnosis programme (funded through 30 Jun 2026)
- Full KYC required: verified identity, zero pseudonymity.
- Subject to regulation (MiCA-compliant (EURe)): reporting to authorities and freezes on order.
Verdict
The solid score rests on a clear regulatory setup: MiCA compliance for the EURe stablecoin, FCA and Bank of Lithuania oversight, an integrated SEPA Instant IBAN and 0% markup. The friction points are real: no ATM withdrawals, a 30-euro issuance cost for the physical card and, above all, the mandatory Gnosis Safe setup, which alongside self-custody puts fund responsibility on the user.
For a crypto-native audience this is one of the most coherent offerings: genuine self-custody via Gnosis Safe, on-chain settlement in EURe on Gnosis Chain and up to 5% cashback in GNO, with funds always under your control. Holding GNO for benefits and full KYC are the only compromises against full sovereignty.
Promp's editorial rating based on real fees and net annual cost. Promp reviews third-party products independently.
"Sovereignty" rating: score computed on privacy/anonymity (30%), fund control (20%), censorship resistance (20%), trustless/auditability (20%) and costs (10%). Same data, different weights.
Reputation
What happened to people who used Gnosis Pay, and what users say. External signals: they do not feed the promp.it rating.
Incidents & regulatory actions
Notable incidentsDocumented events with consequences still open. Each entry carries a source and a date.
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Data breach Severe ● open
Gnosis Pay's legacy card system breached: customers' card data, addresses and wallets exposed
On 3 November 2026 Gnosis Pay detected unauthorised access to the system behind Gnosis Pay-branded cards (consumer customers). On 6 November it emailed all affected customers, without saying how many there are. According to customer notices reviewed by Cointelegraph, full card numbers, expiry dates, CVVs, names, home addresses, wallet addresses, emails, phone numbers, nationalities and in some cases IBAN and BIC were exposed. Gnosis Pay says funds were not affected and its white-label partner platform was not involved. It fixed the flaw, replaced credentials and made 3D Secure mandatory for online payments. The legacy system will be retired on 20 December 2026.
↗ source -
Hack / funds theft Severe $2M ✓ resolved
Attack on Gnosis Pay account modules: about $1.5 million stolen, Gnosis refunded everyone
On 1 June 2026 one or more attackers exploited a signature-check flaw in the Zodiac modules (Delay and Roles) used by Gnosis Pay card accounts and queued withdrawals from accounts they did not own. They took about $1.5 million, with about $300,000 more left inaccessible, across 5,281 wallets. Gnosis Pay took cards offline, fixed the modules with a ChainSecurity review and restored services between 3 and 7 June. According to the official post-mortem of 3 July, Gnosis covered the losses and no user lost funds.
↗ source
verified on
FAQ
Is Gnosis Pay truly self-custody?
Yes: funds stay in a Gnosis Safe under your control and are settled in EURe only at the moment of payment.
Can I withdraw cash with Gnosis Pay?
No, the card does not support ATM withdrawals.
Sources
- Official service page Plans & pricing · Regulatory framework · Cashback.valuta reward · Corporate site Data verified on Jun 14, 2026
- spendnode.io Data verified on Jul 10, 2026
- cardpilled.com Include · Include en Data verified on Jun 14, 2026
- find-and-update.company-information.service.gov.uk Legal name · Company type · Stock ticker · Stock listing · +1 Data verified on Jun 14, 2026
Show 6 more sources
- help.gnosispay.com Data verified on Jun 14, 2026
- organismo-am.it OAM Italy registry Data verified on Jun 14, 2026
- trustpilot.com Trustpilot reviews Data verified on Jun 14, 2026
- coinbureau.com Founders Data verified on Jun 13, 2026
- cryptocardcompare.io Cashback.staking richiesto · ATM fees · Annual cost Data verified on Jun 13, 2026
- thedefiant.io Past incidents Data verified on Jun 13, 2026