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.
Rate this app
6.9Mixed
AlternativesOur take
Desk verdict
The self-custody-shaped card. RedotPay is easier. Kast is more business.
Gnosis Pay hangs a Visa off Gnosis/Safe-style accounts. The pitch is that the money is still yours until you spend it.
Gnosis Pay lists Crypto card + EMI stack under EU EMI / card partners in EEA. On safeguarding we currently write: On-chain balances are not deposits. EMI safeguarding only where they hold fiat.. Holder / issuer line: Partner EMI / BIN. An AML programme is claimed. There is no IBAN-class local rail on the flags we store. We list 3 live markets on the product. As we score the sticker: monthly Low / usage-based; FX On-chain to Visa conversion; ATM Scheme ATM. This desk would open it for: People who already live in a Safe and want a card, not a first bank.
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. Desk score 6.9 / 10 (safety 6.4, fees 7.4, features 8.0, app 7.2). Last verified 2026-08-01. Headquartered in Lisbon / remote, Portugal; founded 2023. None of this is advice — it is a file so you can read the entity before the card colour.
Best for: People who already live in a Safe and want a card, not a first bank.
Pros
- +On-chain honesty
- +Visa
- +Apple Pay
Cons
- −Not a bank
- −Corridor limits
- −UX for normies is still a hurdle
How it actually works
- Custody
- EMI safeguarded funds
- Local rails
- Faster Payments
- Built for
- Personal
- Settlement
- Card auth in seconds
- Review risk
- Fintech reviews can pause inbound while they check a transfer
- Pay surface
- visa · physical · virtual · Apple Pay · Google Pay
Safety
On-chain balances are not deposits. EMI safeguarding only where they hold fiat.
Holder / issuer: 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
FAQ
Is Gnosis Pay a bank?+–
Gnosis Pay is not a licensed deposit-taker in the classic sense. Money, if any, sits with Partner EMI / BIN.
How is money protected?+–
On-chain balances are not deposits. EMI safeguarding only where they hold fiat.
Where is Gnosis Pay available?+–
We list 3 market desks on the desk. Residency and onboarding rules still sit with Gnosis Pay.
Card and wallets?+–
visa · physical · virtual · Apple Pay · Google Pay
Ratings and reviews
No published user reviews yet. The desk score still comes from licence, fees, and the product — not from a empty star average.
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Full alternatives page
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