Guide · Shutdown

Gnosis Pay is shutting down: the best alternatives

Gnosis Pay is exiting consumer cards to focus on white-label infrastructure for other companies. Here are the key dates, what happens to your funds, and the self-custody cards that replace it.

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Key dates

  • September 30, 2026: last day of cashback eligibility.
  • October 7, 2026: final GNO cashback distribution.
  • December 20, 2026, 23:59 UTC: the card stops authorising payments and the web app closes for everything except withdrawals. Recurring payments on the card will fail from then.
  • June 18, 2027: general cardholder support ends.
  • June 12, 2028: support for refunds, disputes and chargebacks ends.

What happens to your funds

Nothing is locked. Your Gnosis Pay account is a self-custodial Safe on Gnosis Chain, and the shutdown affects the card and spending interface, not the wallet. Gnosis Pay cannot freeze, seize or move it, and says so plainly. There is no withdrawal deadline: the withdrawal page stays open after December 20 and the tool is open source. GNO cashback already paid sits in the Safe, unstaked, and the EUR IBAN, provided by Monerium, keeps receiving transfers into your own wallet.

Your two options

Move to a partner app. Gnosis Pay is retiring its own card in favour of cards run by partner apps: Zeal, Rebind, Picnic, GreenCart, MiniPay, the Gnosis App and others listed on its partner marketplace. Moving happens in two stages. First you move to the app, and some apps can import your existing card and Safe without new ID checks. Later, when that app switches to the new Gnosis Pay platform, you accept new terms and receive a new card with its own fees, limits, currencies and rewards. Which apps you can move to depends on which app you use today and whether your card is in EUR, USD or GBP.

Or do nothing and pick a different card. Gnosis Pay calls this a legitimate choice. Your card stops, your funds stay put, and you can join a partner later as a new customer. If the partner cards do not appeal, the self-custody cards below are the honest replacements, and several are better on fees than Gnosis Pay ever was.

The 5 best Gnosis Pay alternatives

  1. Bleap
    The closest like-for-like replacement: self-custodial, 0% FX, EEA and Swiss coverage, and cashback in USDC instead of GNO. MiCA-licensed since June 2026.
    8.3
  2. MetaMask Card
    The simplest move if you already use MetaMask: funds stay in your wallet, 1% back in the mUSD stablecoin on the free card.
    8.1
  3. ether.fi Cash
    The upgrade for ETH holders: a self-custodial credit card with 3% cashback up to your tier cap. Charges 1% FX outside USD and EUR, and is not available in the Netherlands, Finland, Estonia or Hungary.
    9.1
  4. Ready Card
    Flat 3% in USDC with 0% FX on the $120 Metal tier — strong if you spend enough to cover the fee, though it is mid-way through an issuer switch.
    7.5
  5. Wirex One
    A free, self-custodial travel card with no FX markup. The 0.5% base rate is low unless you also hold WPAY.
    7.0

Which one, depending on what you used Gnosis Pay for

  • Everyday euro spending with self-custody: Bleap. Same model, 0% FX, USDC instead of GNO, MiCA-licensed, and it covers the EEA and Switzerland.
  • The EUR IBAN for salary or transfers: Krak gives you a virtual IBAN inside a licensed exchange account, at the cost of custody. Bleap supports bank top-ups but is not a bank-account replacement.
  • Travel and non-euro spending: Bleap or Wirex One, both with no FX markup. ether.fi charges 1% outside USD and EUR.
  • Maximum cashback while holding ETH: ether.fi Cash, 3% up to the tier cap, unless you live in the Netherlands, Finland, Estonia or Hungary, where it is not offered.
  • A GBP card in the UK: Krak holds sterling balances with no markup; ether.fi is available but charges 1% on pounds. Bleap does not serve the UK.

Six things to do before December 20

  1. Check you can open the wallet that owns your Safe. Sign in to the web app with it while it still exists, and confirm you have its recovery phrase stored safely. This is the one item nobody can fix for you afterwards: lose that wallet and the funds are unrecoverable.
  2. Consider adding a second owner to the Safe. In the web app: Account, Account details, Edit, Add address. It takes about three minutes to confirm and briefly restricts the card. After December 20 you would have to do this on-chain yourself. Any owner has full control, so add only a wallet you control.
  3. Check what pays into your IBAN. Salary, standing orders, friends. Redirect them to the new card, or move the IBAN to a wallet you use. The IBAN is managed with Monerium directly.
  4. Export your transaction history with the Download Card Transactions button on the web app’s main page. You will want it for tax and any future dispute, and reconstructing it later is slower.
  5. Raise anything outstanding now: refunds, disputes, a cashback you think is wrong. Support continues after the shutdown, but everything is simpler while the app is live.
  6. Activate the replacement card and move subscriptions, Apple Pay and Google Pay before December 20 so you are never without a working card. Bleap vs Gnosis Pay compares the closest match.

Not sure which card fits? Our calculator ranks every card by net value for your country and spending.

Sources

Dates and procedures above come from Gnosis Pay’s own notices, read on September 26, 2026:

Questions

Gnosis Pay shutdown: questions

When does Gnosis Pay shut down?
The consumer card and web app stop at 23:59 UTC on December 20, 2026. Cashback eligibility ends on September 30, 2026, with the final GNO distribution on October 7. General cardholder support runs until June 18, 2027, and refund, dispute and chargeback support until June 12, 2028.
What happens to my funds in the Gnosis Pay Safe?
Your Safe is self-custodial, so your funds remain accessible after the shutdown with no withdrawal deadline. The withdrawal page stays open and the tool is open source. Only the card and spending interface are being discontinued.
Do I have to move to a partner app?
No. Moving is optional. If you do nothing, your card stops on December 20, your funds stay in your Safe, and you can join a partner app later as a new customer with new ID checks. Moving before December 20 is the only way to keep an active account without re-onboarding.
What happens to my GNO cashback?
Anything paid before the programme ends on September 30 is yours. The GNO sits in your Safe, unstaked, and can be withdrawn whenever you like.
Does my Gnosis Pay IBAN keep working?
Yes. The EUR IBAN is provided by Monerium and incoming transfers keep landing in your own wallet after the card stops. Redirect salary or standing orders, or move the IBAN to a wallet you actively use, so money does not pile up somewhere you no longer look.
What is the best Gnosis Pay alternative?
Bleap is the closest replacement: a self-custodial Mastercard with 0% FX and USDC cashback, available in the EEA and Switzerland. ETH holders may prefer ether.fi Cash for its higher 3% rate, and anyone who relied on the EUR IBAN should look at Krak.