Portugal
France
United Kingdom
activeFeaturedCrypto card
- HQ
- Hong Kong
- Fee
- Free virtual
Gnosis Pay
On-chain IBAN thinking with a Visa. Self-custody adjacent card.
Tap a star to jump to reviews
6.9Mixed
AlternativesFive questions
At a glance
Is it a bank?
No. Gnosis Pay is not a bank. Your money sits with Partner EMI / BIN.
If it fails?
On-chain balances are not deposits. EMI safeguarding only where they hold fiat.
Salary?
Not listed. An IBAN or sort code is not automatically a salary account.
Open from abroad?
Residency and KYC are gated. An App Store listing is not proof you can onboard.
Monthly fee
Low / usage-based
Account number
No IBAN-class local rail on this file.
NeoBankDB Verdict
Licence first · score second
6.9
/10 · Mixed
The self-custody-shaped card. RedotPay is easier. Kast is more business.
What it is
Gnosis Pay hangs a Visa off Gnosis/Safe-style accounts. The pitch is that the money is still yours until you spend it.
Best for: People who already live in a Safe and want a card, not a first bank.
Last checked 2026-08-01. Not advice.
What it does well
- +On-chain honesty
- +Visa
- +Apple Pay
What to watch
- −Not a bank
- −Corridor limits
- −UX for normies is still a hurdle
Who holds the money
The account
How money actually moves
- Who holds the cash
- EMI safeguarded funds
- How money moves
- Faster Payments
- Built for
- Personal
- Settlement
- Card auth in seconds
- Freeze risk
- Fintech reviews can pause inbound while they check a transfer
- Card
- Gnosis Pay lists a physical card and a virtual card on visa, plus Apple Pay and Google Pay. Confirm the live product in the app — a card is not a current account.
Licence first
Safety
On-chain balances are not deposits. EMI safeguarding only where they hold fiat.
Who holds the money: Partner EMI / BIN
- EU EMI / card partnersCrypto card + EMI stack · EEA
Fees
- Monthly
- Low / usage-based
- FX markup
- On-chain to Visa conversion
- ATM
- Scheme ATM
Features
- –IBAN
- –Fee-free core
- –Multi-currency
- ✓Apple Pay
- ✓Google Pay
- ✓Virtual card
- ✓Physical card
- –Metal card
- –Crypto
- –Stocks
- –Business
- –Kids
- –Halal
- Visa on Safe/Gnosis
- Apple Pay
- Self-custody adjacent
- EU corridors
Score
- Safety25%
- 6.4
- Fees20%
- 7.4
- Features15%
- 8.0
- App15%
- 7.2
- Global15%
- 6.0
- Support10%
- 6.0
Change log
Full logNo dated notes yet. When the licence, fees, or status moves, it lands here.
Available in
Straight answers
FAQ
01Is Gnosis Pay a bank?
No. Gnosis Pay is filed as Crypto card + EMI stack. The money sits with Partner EMI / BIN.
02What happens to money in Gnosis Pay if it fails?
On-chain balances are not deposits. EMI safeguarding only where they hold fiat.
03What does Gnosis Pay charge each month?
The monthly fee on this file is Low / usage-based. Fees change — open the operator's pricing page if it is linked.
Ratings and reviews
No published user reviews yet. The NeoBankDB score still comes from licence, fees, and the product — not from an empty star average.
Alternatives
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