Gnosis Pay Card review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Gnosis Pay Card suits businesses that want to spend crypto through a Visa debit card with no currency conversion charge. Spend earns cashback of 1% to 5%, and the free ATM allowance of €5 to €200 is thin, so the card leans towards payments over cash.
Key facts
- Best for
- Business wallets and teams paying suppliers in fiat from crypto through a Visa debit card.
- Currency conversion fee
- 0%↗
- Free ATM withdrawals
- €5 to €200↗
- Card type
- Debit↗
- Cashback rate
- 1% to 5%↗
- Card network
- Visa↗
- Currencies
- 3↗
- Custody
- Self custody↗
- Legal entity
- Gnosis Pay Co Ltd↗
- Headquarters
- United Kingdom↗
- Support channels
- Email, Help-centre↗
- Features
- Multi-currency, Crypto, Virtual card, Self-custody, Travel
- Audience
- Business
- Official website
- gnosispay.com
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- Currency conversion fees of 0% across 3 currencies
- Cashback on card spend at 1% to 5%
- Custody is self custody, so balances stay in your own wallet
- Features cover multi currency, crypto and virtual card on a visa card
Cons
- The free ATM allowance is only €5 to €200
- Support runs on email and help centre only
- Built for business accounts rather than personal current accounts
Who it suits
- Businesses holding crypto balances who pay suppliers in fiat
- Teams that want a virtual card for online subscriptions and tooling
- Anyone who wants self custody rather than a platform-held balance
Who should look elsewhere
- Monzo Flex, if you need a larger free ATM allowance of £200 for cash withdrawals
- Wise, if you want to hold many currencies and accept a conversion fee of 0.1%
- Starling Personal Account Debit Card, if you want a retail current account instead of a business card
The company behind it
Gnosis Pay Card is issued by Gnosis Pay Co Ltd, based in the United Kingdom. It holds an electronic money licence from the Financial Conduct Authority, licence 901097, and an electronic money institution licence from the Bank of Lithuania, licence LB002139. A notice on its help centre records the closure of the web app and card, so check the current status before you apply. Support runs on email and help centre.
How Gnosis Pay Card compares
9.3 vs 9.4
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9.3 vs 9.6
9.3 vs 9.0
9.3 vs 9.1
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9.3 vs 8.1
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.9- 9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.3
Where Gnosis Pay Card is available
- Licence in United Kingdom
- Financial Conduct Authority (UK EMI, Electronic Money Regulations 2011) (901097), checked September 26, 2026
- Licence in Lithuania
- Bank of Lithuania (electronic money institution) (LB002139), checked September 26, 2026
Frequently asked questions
What does it cost to use the card?+
The currency conversion fee is 0% across 3 currencies, and card spend earns cashback at 1% to 5%. Cash machines are covered by a free allowance of €5 to €200. The card is a debit card on the visa network, so it is accepted like an ordinary bank card at the till.
How much can I take out at a cash machine?+
The free ATM allowance is €5 to €200, which is modest for a card mainly meant for spending. Monzo Flex lists a free ATM allowance of £200 on its own card. If cash is the point of the account, the Gnosis Pay allowance is used up quickly.
Who is the card built for?+
Gnosis Pay Card is aimed at business users, so a company or team wallet is its natural home. The feature set leans the same way, with multi currency, crypto and virtual card. For personal everyday banking, a retail current account serves that side instead.
Who regulates Gnosis Pay Card?+
Two licences back the card. The Financial Conduct Authority in the UK authorises the operator as an electronic money institution, licence 901097. The Bank of Lithuania also authorises it as an electronic money institution, licence LB002139.
Do I hold my own crypto?+
Custody is self custody, so balances stay with you rather than sitting on a platform account. The card spends directly from that balance. Payments run on the visa network, so the card is accepted wherever Visa is accepted.
What support do I get?+
Support runs on email and help centre, so the help centre and email carry the account. There is a notice on the help centre about the closure of the Gnosis Pay web app and card, which is worth reading before you apply or move balances.
Where is the company and how is the account set up?+
The operator is Gnosis Pay Co Ltd, based in the United Kingdom. It issues a debit card on the visa network and covers 3 currencies. The product and its support are shaped around business use rather than personal current accounts.
Sources
- gnosispay.com checked September 26, 2026
Backs: Audience, Card type, Custody, Features, Headquarters, Legal entity, Card network, Licences
“Startup: For early-stage wallets and fintech teams launching a custom-branded card program in selected markets”
- help.gnosispay.com/articles/1452055581-formal-notice-clos... checked September 26, 2026
Backs: Support channels
“Email: help@gnosispay.com; Help centre: https://help.gnosispay.com”
- help.gnosispay.com/articles/3361262634 checked September 26, 2026
Backs: Cashback rate
“GNO held 0.1 - Base rate 1%, With OG NFT 2%; 100 - Base rate 4%, With OG NFT 5%”
- help.gnosispay.com/articles/6104401027 checked September 26, 2026
Backs: Free ATM withdrawals, Currencies, Currency conversion fee
“You can make up to 5 free ATM withdrawals per month or withdraw up to 200 EURe/GBPe/USDCe - whichever comes first”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Monthly fee, Protection.
Related by the facts
Gnosis Pay Card
Business wallets and teams paying suppliers in fiat from crypto through a Visa debit card.