Delisted Shutting down

Gnosis Pay review: shutting down

Our former self-custody pick is closing: the Gnosis Pay card and web app stop working on December 20, 2026, as Gnosis Pay moves to running card programmes for other apps. Don’t apply. If you hold the card, your funds are safe, and the dates below are what matter.

Gnosis Pay is a Visa debit card wired directly to a Safe smart wallet on Gnosis Chain. You hold EURe, GBPe or USDCe in the Safe and spend them one to one at any Visa merchant: a €10 purchase takes 10 EURe. Settlement happens on-chain, card payments carry no gas fee, and Gnosis Pay never held your money. Until September 30 it paid cashback in GNO, scaled by how much GNO you held in the Safe, with a bonus for holders of its OG NFT.

Licensing: the card is issued by Monavate. EEA cardholders contract with UAB Monavate, authorised by the Bank of Lithuania as an electronic money institution and a Visa principal member; UK cardholders with Monavate Ltd, authorised by the Financial Conduct Authority. Gnosis Pay acts as technical provider and programme manager. The EURe you spend is e-money issued by Monerium EMI ehf, supervised by the Central Bank of Iceland. Your Safe is a self-custodial wallet that neither Monavate nor Gnosis Pay controls, which is why the shutdown cannot touch your funds.

Fees and limits until the shutdown

What stops and what continues

On December 20 three things stop: the Gnosis Pay card, the web app except for withdrawals, and GNO cashback, which already ended in September. Recurring payments on the card will fail from that date. Four things continue: your funds and your ability to withdraw them, your EUR IBAN from Monerium, which keeps receiving transfers into your Safe, your GNO and OG NFT, and support for the periods above. Gnosis Pay says plainly that it cannot freeze, seize or move what is in your Safe.

You have two routes. Moving to one of Gnosis Pay’s partner apps is the only way to keep an account active without re-onboarding. For EUR cards Gnosis Pay recommends Rebind, which carries over your account, IBAN and card with no new ID checks; USD cardholders can move to Picnic or open a MiniPay account; there is no route yet for GBP cards. Zeal is not a destination: its own card services end by December 20 as well. You accept new terms later, when the partner switches to Gnosis Pay’s new platform. Or let the card stop and choose a different card; Gnosis Pay calls that a legitimate choice. Either way, check you can still open the wallet that owns your Safe, look for funds left in your pre-June 2026 Safe at app.gnosispay.com/withdraw-legacy (after a security incident that month, some balances were not moved automatically), export your transaction history before December 20, and redirect anything that pays into your IBAN. Our Gnosis Pay guide walks through each step.

Who it’s for: no one new. Existing cardholders should pick a replacement before December 20. Bleap is the closest like-for-like self-custody card, with 0% FX and cashback in USDC; ether.fi Cash suits ETH holders; and Krak is the option if you relied on the IBAN.