Gnosis Pay
Best for documentation-led evaluation
How it rates
- Programme page published at a public address
- No fee documentation found at a conventional public address
- Terms not found at a conventional public address
Each indicator scores 2, 1 or 0. A pillar is the points earned over the points available; the overall score is the weighted sum. Every source below is public — check any of them yourself.
- Met
- Not metTerms and conditions published
Not found at a conventional address at this check.
- Met
- PartialSupport resource published
Published at a documented URL; automated retrieval blocked at this check.
help.gnosispay.com/ - MetProgramme documentation reachable without an account
No account required at this check.
gnosispay.com/
- Not metFee documentation published at a public address
Not found at a conventional address at this check.
- Not metFee documentation readable without an account
Not established at this check.
- Not metCosts documented alongside the programme
Neither fee nor terms documentation found at this check.
- Not metRates displayed on the fee page
Not available at this check.
- Not metTerms describe charges and liability
Not found at a conventional address at this check.
- Met
- Not metFee or pricing information published
Not found at this check.
- Not metTerms published
Not found at this check.
- PartialSupport or help resource published
Published at a documented URL; automated retrieval blocked at this check.
help.gnosispay.com/ - Met
- Met
- Met
- Not metTerms documentation published
Not found at this check.
- PartialSupport channel published
Published at a documented URL; automated retrieval blocked at this check.
help.gnosispay.com/ - Not metFee policy published
Not found at this check.
- Met
- Not metFee documentation reachable
Not found.
- Not metTerms reachable
Not found.
- PartialSupport reachable
Published at a documented URL; automated retrieval blocked at this check.
help.gnosispay.com/ - Met
The only self-custodial card in this comparison: funds stay in a Safe smart contract you control until the moment a payment settles.
Our assessment
Gnosis Pay is the only card in this comparison where the money is not held by the issuer. Your balance sits in a Safe smart contract you control on Gnosis Chain, and settles at the moment of the transaction. Every other card here requires giving custody to a company first.
Why self-custody changes the risk
With a custodial crypto card, a company failure, a freeze or an account review can strand your spending balance — this has happened repeatedly across the sector. With Gnosis Pay, the failure of the operator does not separate you from your funds, because they were never transferred. For anyone who has watched a card programme shut down with balances inside, that is the whole argument.
Rewards and costs
Cashback runs 1% to 5% in GNO across four tiers by holdings — 1% at 0.1 GNO, rising to 4% at 100 GNO, with a further 1% bonus for OG NFT holders — paid weekly with spend caps tied to holdings. The annual fee is a €30 one-off, FX is 0%, and it is available across the EU and EEA plus Argentina and Brazil. Funding is stablecoin-only on Gnosis Chain.
Why the score is low anyway
Twelve indicators failed: terms not retrievable at a conventional address, no fee documentation at a public address, no rates displayed. Our rubric measures published evidence, and a structurally superior product with unpublished terms scores below a weaker product that documents itself. That is a fair criticism of the programme, not of the design.
Who it suits
Gnosis Pay fits EU and EEA users comfortable holding stablecoins on Gnosis Chain who want to spend without handing custody to anyone. Users wanting simple fiat top-ups and published terms should look at Bitpanda or Crypto.com.
How rivals compare
| Service | Score | Best for | |
|---|---|---|---|
| Crypto.com Visa Card | 9.7 | published card terms and costs | Read → |
Frequently asked
Does this score rate Gnosis Pay's rewards?
No. Rewards and cashback change frequently and are not scored. The score reflects what a prospective cardholder can read before applying: programme page, fee documentation and terms.
Why is cost weighted so heavily for cards?
A card is a payment rail. Its conversion spread and fees are the product, so the rubric puts 35% of the weight on whether those are published and readable.
Is regional availability part of the score?
No. Our methodology excludes country availability from scoring entirely. Check the provider's own terms for where the card is offered.