Gnosis Pay Card review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
Gnosis Pay Card suits business users who already hold crypto and want to spend it on the visa network with no currency conversion charge, at 0%. Self-custody and multi-currency support carry the offer, while 3 currencies and email-only support keep it narrow for everyday household banking.
Key facts
- Best for
- Business owners paying suppliers and staff in crypto or several currencies without conversion charges.
- 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
Crypto wallets
- Wallet type
- Software↗
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- A currency conversion fee of 0% on a debit card, with cashback of 1% to 5% on spend
- Self-custody means the crypto backing the card stays under your own control, not with a third party
- Multi-currency support across 3 currencies, with crypto spending and a virtual card included
- Free ATM withdrawals of €5 to €200 and a visa card that works for travel
Cons
- Support runs on email and help centre, so there is no phone or chat route for urgent card problems
- Coverage is limited to 3 currencies, fewer than most multi-currency accounts offer
- business is the stated audience, so personal users get no dedicated consumer offering
Who it suits
- Businesses that settle invoices in crypto and want a card to spend it from
- Anyone who wants crypto spending without giving up self-custody
- Frequent travellers who want to avoid conversion charges on everyday purchases
Who should look elsewhere
- Households wanting a full current account with savings, bills and phone support, where bunq offers a wider personal offering
- People who need a long list of currencies for frequent conversions, where Wise covers more of them
- Customers who want in-branch or phone help, where Starling Personal Account Debit Card offers a fuller service
How Gnosis Pay Card compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.4
9.3 vs 8.7
9.3 vs 9.3
9.3 vs 8.9
9.3 vs 8.6
9.3 vs 9.2
9.3 vs 8.4
9.3 vs 8.5
9.3 vs 8.8
9.3 vs 9.0
9.3 vs 8.6
9.3 vs 8.3
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.4
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.3
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 8.5
9.3 vs 8.4
9.3 vs 8.0- 9.3 vs 8.0
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 spend crypto on the Gnosis Pay Card?+
The currency conversion fee is 0%, and you earn cashback of 1% to 5% on what you spend. The card is a debit card, so there is no credit balance to repay. It runs on the visa network.
Which regulators license the Gnosis Pay Card?+
It is registered with the Financial Conduct Authority in the UK as a UK electronic money institution under the Electronic Money Regulations, licence 901097. It also holds an electronic money institution licence from the Bank of Lithuania, LB002139.
Who runs the card and where are they based?+
The card is issued by Gnosis Pay Co Ltd, whose headquarters are in the UK. The business side is the target market, so the card is built around paying and being paid rather than retail current accounts.
How many currencies can I hold and spend?+
The account is multi-currency, covering 3 currencies. You can spend from the balance and pay with crypto, and there is a virtual card as well as the physical one for online use.
Does self-custody apply to the crypto behind the card?+
Yes. Custody is self-custody, so the crypto backing your card stays under your own control rather than sitting with a third-party custodian. This is one of the main draws for users who already hold their own keys.
Can I take out cash abroad?+
Free ATM withdrawals run to €5 to €200, and travel is one of the supported use cases. The card works on the visa network, so it is usable wherever Visa is accepted, without the usual conversion charge.
How do I get help if the card goes wrong?+
Support runs on email and help centre. There is no phone or live chat line, so a blocked card has to be sorted out by email or through the help centre, which is worth weighing if you rely on the card for daily payments.
Sources
- gnosispay.com checked September 26, 2026
Backs: Audience, Card type, Custody, Features, Headquarters, Legal entity, Card network, Wallet type, 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.
Gnosis Pay Card
Business owners paying suppliers and staff in crypto or several currencies without conversion charges.