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 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 app depends on your card’s currency, and Gnosis Pay names them:

  • EUR card: Gnosis Pay recommends Rebind. Your account, IBAN and card carry over with no new ID checks. Start from rebind.co/gnosis-pay, or rebind.co/zeal opened inside the Zeal app.
  • USD card: Picnic, recommended in Brazil, or MiniPay everywhere else. MiniPay means opening a new account; it already runs on the new platform and has its own rewards programme.
  • GBP card: no route yet. Gnosis Pay says it is working on one; your card works until December 20 and there is no deadline for withdrawing.
  • Zeal users: Zeal’s card services end by December 20 too. First add a wallet you control as a second owner of your Safe, and move anything in Zeal’s earn product back to your balance before migrating.

Watch out for fakes. Gnosis Pay says those two Rebind links are the only migration routes, warns of bad actors in the Zeal Discord, and says nobody from Gnosis Pay, Rebind or Zeal will ever ask for your recovery phrase.

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 cards below are the honest replacements (all self-custodial except Krak), 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, paid in the ETHFI token and capped lower on euro purchases. Charges 0.5% FX outside USD and EUR on the free tier, and is not available in the Netherlands, Finland or Estonia.
    8.4
  4. Krak Card
    Not self-custodial, but the pick if you relied on the EUR IBAN: a virtual IBAN inside Kraken’s MiCA-licensed account, no FX markup on fiat, and up to 2% back depending on your balance.
    8.0
  5. Wirex One
    A free, self-custodial travel card with no FX markup. Its 0.5% base rate can only be redeemed if you also hold its WPAY token.
    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 0.5% outside USD and EUR on its free tier.
  • Maximum cashback while holding ETH: ether.fi Cash, 3% up to the tier cap, unless you live in the Netherlands, Finland or Estonia, where it is not offered.
  • A GBP card in the UK: Krak holds sterling balances with no markup; ether.fi is available but charges 0.5% on pounds on its free tier. Bleap does not serve the UK.

Seven 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. Check your old Safe from before June 2026. After a security incident in June 2026, Gnosis Pay moved everyone to a new card Safe. Most balances moved automatically, but some were left in the old one. Connect your wallet at app.gnosispay.com/withdraw-legacy: if there is a balance it is still yours, with no deadline. Never send funds to the old Safe address; if it was affected by the incident, anything sent there is lost.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
  7. 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 and October 22, 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 hold a EUR card, Gnosis Pay recommends Rebind, which keeps your account, IBAN and card with no new ID checks; USD cardholders can go to Picnic or MiniPay. 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.