Gnosis Pay Card review
Updated September 28, 2026 · DebitCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Gnosis Pay Card suits business users who want to hold funds in their own wallet. A currency conversion fee of 0% and cashback of 1% to 5% keep running costs down, with a debit card on visa across 3 currencies, though support runs on email and help centre.
Key facts
- Best for
- Business users spending from a self-custody wallet who want conversion costs kept low.
- Currency conversion fee
- 0% (Source, checked September 26, 2026)
- Free ATM withdrawals
- €5 to €200 (Source, checked September 26, 2026)
- Card type
- Debit (Source, checked September 26, 2026)
- Cashback rate
- 1% to 5% (Source, checked September 26, 2026)
- Card network
- Visa (Source, checked September 26, 2026)
- Currencies
- 3 (Source, checked September 26, 2026)
- Custody
- Self custody (Source, checked September 26, 2026)
- Legal entity
- Gnosis Pay Co Ltd (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Support channels
- Email, Help-centre (Source, checked September 26, 2026)
- Features
- Multi-currency, Crypto, Virtual card, Self-custody, Travel
- Audience
- Business
- Official website
- gnosispay.com
Pros and cons
Pros
- Custody is self custody, so the balance stays with the account holder rather than a pooled account.
- A debit card on visa, with multi currency, crypto and virtual card in the feature set.
- A currency conversion fee of 0% plus cashback of 1% to 5% on spending.
- Built for business use, with a virtual card option for online payments.
Cons
- Support runs on email and help centre only.
- Free ATM withdrawals run €5 to €200, ranking 35 of 115 brands on cash access.
- The account covers 3 currencies, a narrower set than a wide multi-currency travel account.
Who it suits
- Business users who hold funds in a self-custody wallet and spend straight from it.
- Anyone who wants a virtual card option alongside a physical debit card.
- Travellers who stay within the 3 currencies the account supports.
Who should look elsewhere
- Wise, if a small conversion fee is acceptable: Wise charges 0.1% where this card charges 0%.
- Starling Personal Account Debit Card, if cash access matters: Starling lists £0 in free ATM withdrawals.
- bunq Spain, if a wider conversion band suits: bunq Spain charges 0.5% to 3% against 0% here.
How it compares on our data
On the currency conversion fee, Gnosis Pay Card ranks 1 of 259 brands, so conversion cost is the better side of the account. Free ATM withdrawals tell the other story: the card ranks 35 of 115 there. Costs lean strong, cash access leans thin.
Deposit protection
Custody is self custody, so the balance stays in a wallet the user controls rather than a pooled account. Two electronic money licences sit behind the card: the Financial Conduct Authority in the UK under 901097, and the Bank of Lithuania under LB002139. The licences cover the issuer, the wallet covers the balance.
How Gnosis Pay Card compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.9
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9.3 vs 8.8bunq Spain charges 0.5% to 3% on conversion, a wider band than 0%.
9.3 vs 8.8
9.3 vs 8.7
9.3 vs 9.2
9.3 vs 9.0
9.3 vs 8.9
9.3 vs 8.8
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9.3 vs 9.1
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9.3 vs 8.8- 9.3 vs 8.8
- 9.3 vs 8.8
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9.3 vs 8.5
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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 use the Gnosis Pay Card?+
The currency conversion fee is 0%, so spending euros abroad or paying a supplier in another currency adds no conversion charge. Card spending earns cashback of 1% to 5%. Cash withdrawals come with free ATM withdrawals of €5 to €200 before anything is charged.
Is my money covered by a deposit protection scheme?+
The balance sits in a self custody wallet that you control, not in a bank account. Two electronic money permissions sit behind the card: a Financial Conduct Authority licence in the UK and a Bank of Lithuania licence. Those permissions cover the issuer, not the wallet balance.
Who is the card built for?+
The account targets business users, so it makes sense for company spending that runs from a wallet. It is a debit card on visa, and the feature set covers multi currency, crypto and virtual card, including a virtual card for online payments.
How do payments and withdrawals work?+
Funds are held in a self custody wallet, so the card draws on a balance you hold rather than with a bank. Withdrawals and card payments come out of that same wallet balance, and the card is a debit card on the visa network.
How many currencies can I hold and spend?+
The account covers 3 currencies, with a currency conversion fee of 0% between them, so switching between them adds no charge. The feature set names multi-currency among multi currency, crypto and virtual card. A wider currency range is outside what the account sets out to do.
Can I withdraw cash at an ATM?+
Free ATM withdrawals run €5 to €200, so there is a set allowance before fees apply. In the comparison the card ranks 35 of 115 brands on that measure, which is the weaker side of an account that converts at 0%.
How do I get help if something goes wrong?+
Support runs on email and help centre. There is no phone line or live chat in that list, so questions go by email or through the help centre. For an account whose balance sits in a self custody wallet, that is worth weighing before you rely on the card for day to day spending.
Sources
- gnosispay.com checked September 26, 2026
Backs: Audience, Card type, Custody, Features, Headquarters, Legal entity, Card network, 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 users spending from a self-custody wallet who want conversion costs kept low.