The card is closing: honest dates, holder steps, and what to move to

Updated October 2026

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Gnosis Pay was one of the better-known self-custody spending cards, and now it is closing its consumer programme. If you are reading this trying to work out whether to get the card, hold the card, or move your money off it, the honest answer is: do not apply, and if you already hold one, act on the dates below. This review explains what Gnosis Pay was, exactly what has happened to it, what you must do with the balance if you are a holder, what could still go wrong for you, and which cards replace it. My verdict is 4.5 out of 10, and the single biggest reason is that the programme no longer issues cards.

The conditions described here are current as of October 28, 2026.

Verdict: 4.5 out of 10, and the score comes almost entirely from the shutdown

The Gnosis Pay card was a genuinely well-priced product in its day, but a card you cannot newly get, and that switches off inside a couple of months, cannot rate well for most people. That is why it scores 4.5/10 rather than the higher score its fees and everyday features would otherwise earn.

Who is this card for now? Realistically only people who already hold one. My strong advice to everyone else is to move to a comparable card rather than waiting, and the “what to take instead” section below sets out the options. Who is it not for? Anyone trying to solve a problem with a bank card today: if your reason for wanting a crypto card is that a normal card is hard to get in your country, Gnosis Pay can no longer be that solution, because it does not issue new cards and the ones in circulation stop working in December.

Here is how the score breaks down, criterion by criterion.

That is the whole picture. The Everyday use and Cost rows are the card as it was, and they are genuinely good. The Who can get it and Reliability rows reflect where the card stands today, and they pull the total down hard.

What happened to the programme: it is being wound down on a fixed timetable

The headline is this: the consumer Gnosis Pay card and its web app stop working on a set date, and the company is moving users onto partner cards instead. There is a formal closure notice, dated 21 September 2026, and a series of hard dates attached to it. If you hold a card, this section matters more than anything else on the page.

Here is what the programme was and what is happening to it, in plain order.

• Before closure, the card was for legal residents of a set of European and Latin American countries, with a waitlist for new countries. The rule was residence, not citizenship.
• The card was a Visa, issued by Monavate Limited under a Visa Europe licence, available as an instant virtual card and as a physical card. Settlement was T+1.
• Gnosis Pay itself was not the issuer. It was the technical services provider and programme manager. UK and non-EEA cardholders were under Monavate Ltd (FCA), EEA cardholders under UAB Monavate (Bank of Lithuania).
• On 7 September 2026 the site began pitching its B2B card-issuing side (Startup and Enterprise tiers). Two weeks later, on 21 September, the formal closure notice appeared.
• Card and web app stop at 23:59 UTC on 20 December 2026. After that, the card no longer authorises payments and the web app closes except for withdrawals.

One thing to be clear about: the money is not what the company is taking away. The Safe account behind the card is self-custodial, so the assets stay yours. What is ending is the card and the app around it. That distinction shapes what you do next, and it is the subject of the section on holders.

A couple of points the closure notice does not spell out clearly, and which you should treat as unofficial: news reports from late September 2026 said MiniPay would handle migration and issue replacement cards on Gnosis Pay’s enterprise rails, and that GNO cashback eligibility was reported to end on 30 September 2026 with a final distribution on 7 October. The official closure notice does not itself describe cashback on the current card; it points you to the help centre and [email protected]. I could not confirm the migration and cashback details from Gnosis Pay’s own pages.

If you already have the card: withdraw before 20 December 2026

If you hold a Gnosis Pay card, this is the section to act on. The recommendation from Gnosis Pay itself is to withdraw your balance before the shutdown, and the official guidance points at the web app at app.gnosispay.com/withdraw. Here is the situation in order of what matters.

First, the good news about the money. The Safe behind the card is a self-custodial smart contract account on Gnosis Chain. Your assets remain yours; neither Gnosis Pay nor Monavate can take them or block transfers. So this is not a situation where a company is closing and walking away with your balance. You can also reach the funds through third-party Safe interfaces using your existing signer key, if the Gnosis Pay app becomes awkward.

Second, the timeline you are working to.

• Withdrawals stay open on the web app after 20 December 2026, with no deadline stated. Gnosis Pay still recommends withdrawing before that date.
• Recurring payments fail after the cutoff and cannot be moved to another card automatically.
• Payments that were authorised but not yet settled still complete.
• A refund that arrives after deactivation cannot be used on the card.

Third, if you have dispute or refund business, the dates matter just as much as your balance.

• General cardholder support ends 23:59 UTC on 18 June 2027.
• Support for refunds, disputes and chargebacks ends 23:59 UTC on 12 June 2028.
• Your rights for unauthorised or incorrectly executed transactions and your card-scheme chargeback rights are not affected by the closure itself.

Fourth, tidy up your records now, before the app goes quiet. Gnosis Pay advises exporting your transaction history and noting your card’s last four digits and expiry before 20 December 2026, and keeping your receipts. If you have a dispute to raise later, the card scheme’s own time limits still apply, so raising it promptly through [email protected] or the help centre is the safe move rather than waiting.

Unofficially, a couple of secondary sources reported that the web app stays in limited capacity after December for withdrawals only, and that funds in Safe accounts have no withdrawal deadline. The official help-centre page only says the web app is deprecated “by end of 2026” and that migration paths stay open “for as long as possible”, so treat the more precise version as useful but not confirmed by the card.

One practical note on the Safe and networks. The card is funded from your Safe with EURe/GBPe/USDCe, and the site also mentions USDC and EURC on Ethereum, Polygon and Gnosis Chain. Card transactions cost no gas; gas only applies if you move funds on-chain, for example from the Safe to another wallet. If your crypto sits on a different network, top-ups from outside those networks need a swap or a bridge, and those carry their own network costs. Fees for topping up and the minimum top-up are not stated on the card’s pages.

What can go wrong

Even setting the shutdown aside, this is where the card drew complaints, and it is worth being blunt about. My research here draws on official material, the closure notice, and what users reported; I read no formal user report beyond public complaint themes.

• An incident is the closure itself. The formal notice of 21 September 2026 ends a card people had already started using in good faith.
• Support reliability was a persistent theme. On Trustpilot the card sat at 2.3 out of 5, with 58% one-star, across 38 reviews (21 of them in the last year). Users in spring and summer 2026 reported chat, ticket and email support going unanswered for weeks at a time.
• Missing or blocked funds were the second theme. Users reported balances dropping after a failed payment or top-up, withdrawal attempts failing, and transactions stuck pending for two weeks or more across May to July 2026.
• KYC rejections without a stated reason came up repeatedly, including “country not supported” for countries the card had listed, such as Italy and Mexico.
• There was also an account deactivation and login trouble in mid-2026.

On the regulatory side, one piece of unofficial reporting deserves a mention because it shows the general risk of self-custody card programmes: a June 2026 exploit hit Gnosis Pay’s delay module, and co-founder Koppelmann said Gnosis would cover user losses. Early withdrawal advice at the time was reported as conflicting, and I did not check the status of that compensation. You will read more about this kind of event in the background on safety further down.

Where Gnosis Pay stood as a company: it is the trading name of Gnosis Pay Co Ltd, a UK-registered company (number 14919639). The card itself is issued by Monavate Limited under licence from Visa Europe Limited, and Monavate is an FCA-authorised electronic money institution. Gnosis Pay is the front-end, not the bank behind the card. That matters for complaints: they go to [email protected] and are forwarded to Monavate, and you can escalate to the Financial Ombudsman Service in the UK or the Bank of Lithuania in the EEA.

A closing note on what the official pages do not say: Gnosis Pay does not state whether funds are insured, what freeze and two-factor controls exist, or any official reason for rejecting an application. Where the card’s own documentation is silent, I have not filled the gap.

What to take instead

If Gnosis Pay is closing, the question becomes what to move to. Here are three comparable crypto cards, each of which you can still obtain today. I have pulled them from the same criteria so you can compare them against what Gnosis Pay offered.

TokenPocket

• Score: 5.8 out of 10.
• Who: a Visa debit for a list of European countries and territories, such as Germany, France, Spain and Switzerland, and a Mastercard debit for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK.
• Card: a Mastercard/Visa debit running on Arbitrum; cards are virtual; balances in EUR24 and USD24.
• Cost: the NFT creation fee is partly covered by TokenPocket and you pay “a small portion”; beyond that it charges no additional fees.
• Fees: 1% when depositing cryptocurrency into the card, refunded later through rewards or reduced transaction fees.
• Funding: crypto deposits from the TokenPocket wallet.

TokenPocket is the weakest of the three on score, largely because of the 1% deposit fee and a thinner everyday offering than Gnosis Pay had.

MetaMask

• Score: 7.1 out of 10, the strongest of the three.
• Who: open sign-up in 45 listed countries and territories, including Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain and Uruguay; other regions waitlist. Proof of residency is required. US and UK sign-ups are temporarily closed per the FAQ.
• Card: Mastercard, a virtual card issued instantly first, with a metal version pre-orderable after approval; one card per user.
• Cost: virtual card free with no annual or maintenance fee; metal card $199 per year.
• Fees: a minimal per-transaction fee, no MetaMask fee, no foreign transaction fee; the Mastercard rate is used.
• Rewards: cashback in mUSD, 1% on virtual and a headline 3% on metal (the footnote caps 3% at the first $10,000 spent, then 1%).

MetaMask is the strongest all-round replacement, though it costs real money if you want the metal card.

KAST

• Score: 6.1 out of 10.
• Who: residence-based, with the list shown at sign-up rather than published, and citizenship or ID from a restricted region can still make you ineligible even if you live in a supported country. A VPN does not bypass this.
• Card: virtual and physical, up to ten cards; Visa Platinum (Standard), Visa Infinite metal (Premium), Visa Infinite gold plated (Private).
• Cost: annual membership Standard 0 USD, Premium 1,000 USD, Private 10,000 USD; a Standard physical card adds 40 USD delivery; inactivity fee 1 USD a month after a year.
• Fees: 0% to top up, spend and transact in USD; a foreign-exchange fee of 0.5% to 1.75% depending on your country and the transaction country; a 0.50 USD fee on a declined payment.
• Rewards: USD cashback, 1.5% to 3% depending on tier and monthly spend band.

KAST has the deepest card hierarchy and the richest rewards, but it asks for real money up front on its paid tiers and its eligibility rules are strict on ID as well as residence.

Here is the three side by side.

Whichever you pick, the structural point stands: the Gnosis Pay shutdown is not unusual in this category, so pick a card whose issuer and support arrangements you understand before you load it, and prefer self-custody over trusting a provider with your balance.

Who I would recommend it to

My recommendation splits cleanly by whether you already have the card.

If you already hold a Gnosis Pay card, treat the deadlines as real and start moving. Withdraw your balance before 20 December 2026 rather than relying on the post-closure withdrawal window, export your transaction history and note your card’s last four digits and expiry while the app is still up, cancel or replace any recurring payments that will fail after the cutoff, and if you have a dispute, refund or chargeback in flight, raise it now through [email protected] so you do not run into the 12 June 2028 support deadline. Remember that moving to a partner card, if you choose that route, means a new card programme, a new Safe and new terms, and may require fresh identity or compliance checks.

If you do not hold the card, I would not apply for it, because you cannot: issuance is closed. Use the comparison above to choose one of the three alternatives that fits your country and how much you actually spend. If your priority is a free virtual card and straightforward everyday use, MetaMask is the pick. If you want a tiered metal card and the richest cashback and are willing to pay for it, look at KAST. If you want cheap multi-country access and do not mind a 1% deposit fee, TokenPocket is there.

The wider lesson, which I set out in the background below, is simply that a card brand is a front-end and its issuer and support can change or vanish. Choose for the arrangement behind the card, not just the logo on it.

Frequently asked questions

What is Gnosis Pay card?

Gnosis Pay was a self-custody spending card that let you pay in the real world from crypto you held yourself. It was a Visa, issued by Monavate Limited, available as an instant virtual card and a physical one, and funded from your own Safe smart account rather than a balance held by a company. It charged no transaction fees and added no currency markup of its own. That is the product as it was; today the programme is closing.

How does Gnosis Pay card work?

You hold the crypto in a self-custody Safe account on your own signer key, and the card spends against that balance in EURe, GBPe or USDCe at 1:1. Card payments cost no gas; you only pay network fees when you move funds on-chain, such as from the Safe to another wallet. Because the balance is yours, a card payment simply converts or draws down what you have loaded, and the card cannot overdraw.

Is Gnosis Pay a bank, and who owns Gnosis Pay?

No, Gnosis Pay is not a bank. It is the trading name of Gnosis Pay Co Ltd, a UK-registered company, number 14919639, and it acts as the technical services provider and programme manager. The card itself is issued by Monavate Limited, an FCA-authorised electronic money institution under a Visa Europe licence, with Monavate Ltd covering UK and non-EEA holders and UAB Monavate covering the EEA.

I already have a card. What do I do before it stops working?

Withdraw your balance before 23:59 UTC on 20 December 2026, export your transaction history, note your card’s last four digits and expiry, and cancel any recurring payments that will fail after the cutoff. General cardholder support ends 18 June 2027, and support for refunds, disputes and chargebacks ends 12 June 2028, so raise anything outstanding now. The web app stays open for withdrawals after the cutoff, with no deadline stated.

Is my money safe if the company is shutting down?

Yes, as far as the structure goes. The Safe is a self-custodial smart account on Gnosis Chain, so the assets stay yours and neither Gnosis Pay nor Monavate can take them or block transfers. Withdrawals also stay open on the web app after 20 December 2026 with no stated deadline. The risk is not that your balance is confiscated; it is that support, disputes and the card itself become harder to use over time.

Does Gnosis Pay card require KYC, and who is eligible?

Before closure, the card was for legal residents of selected European and Latin American countries, with a waitlist for new countries; the rule was residence, not citizenship. Verification ran through Sumsub in a single flow. Unofficially, sources reported an age of 18 or over, a government ID or passport, and proof of address issued within the last three months, with approval not guaranteed, but the card’s own pages do not state the required documents or age.

How do I withdraw money, and are there fees?

Withdraw through the web app at app.gnosispay.com/withdraw, and do it before 20 December 2026 if you can. Card transactions carry no gas; blockchain network fees can apply to withdrawals and to on-chain transfers from your Safe. Gnosis Pay’s own top-up fee and minimum top-up are not stated. If your crypto is on a network the card does not support directly, you will need a swap or bridge with its own costs.

Is Gnosis Pay a safe card to use, and what about past exploits?

The card’s structure was a genuine strength: self-custody meant you held the keys, so neither the company nor the issuer could move your funds. But reviews on Trustpilot sat at 2.3 out of 5, with recurring complaints about support going unanswered for weeks, balances blocked after failed payments, and KYC rejections without reasons. Separately, an unofficial June 2026 report described an exploit hitting Gnosis Pay’s delay module, with the co-founder saying Gnosis would cover user losses; I did not verify the outcome.

What are the fees and limits I should remember?

Before closure, Gnosis Pay charged no transaction fees and added no currency markup, with Visa’s exchange rate applying, and the card spent EURe, GBPe and USDCe at 1:1. At cash machines you could withdraw free up to five times a month or 200 in the card currency, then 2% applied with a 1 EUR or GBP minimum; limits were 250 per transaction and 500 per day at the machine, and 5,000 per regular card transaction and up to 8,000 per day. A replacement lost or stolen card cost 4.99 in the card currency.

Is Gnosis Pay card free, and can I still get one?

New cards were free to order with free shipping, though an older help page still listed a 30.23 EUR purchase fee, and a replacement cost 4.99. But you cannot get one now: issuance is closed and the consumer card is being replaced by partner cards. If you want a comparable card today, look at MetaMask for a free virtual Mastercard, KAST for a tiered card with richer cashback, or TokenPocket for cheap multi-country access.

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