Ranked #33 of 35
Gnosis App Review
The most technically mature self-custodial card in Europe, with 0% FX fees.
Quick answer
According to Gnosis App's website, its FX spread is 0%; base cashback 0; custody Self-Custodial; KYC required. According to the card website; Last verified 28 Oct 2026 by Tristyn Pawson.
Figures are as published by the provider and cross-checked against public documentation. No live transaction test has been completed yet.
Card at a glance
The figures below are the terms published by the provider and cross-checked against their documentation. A tested breakdown lands here once the card goes through our benchmark purchase.
- FX fee
- 0%
- Base cashback
- 5% cashback
- Highest cashback
- 5% cashback
- Card cost
- Virtual is Free; Physical Visa card is €30
Claimed by provider
- Wallet architecture
- Self-Custodial
- Setup time
- 20 minutes
- Spend limit
- €5,000 per transaction / €8,000 daily
- ATM withdrawals
- 5 free ATM withdrawals per month or up to €200
The verdict
Gnosis Pay is arguably the most secure and technically advanced self-custodial card available, backed by one of the most respected teams in the sector. Self-custody plus a 0% FX fee is a rare combination. Standard KYC still applies and availability is limited to the EU and Argentina.
Score: 6 out of 10
Strengths
- 0% FX fee on card spending
- True self-custody through a Safe smart wallet
- MiCA compliant and PSD2 ready
- 4% base cashback, rising to 10% on higher tiers
Weaknesses
- Available in the EU and Argentina only
- Settlement runs on Gnosis Chain only
- Physical Visa card costs EUR 30
- Higher cashback tiers require GNO holdings
Compare with other cards
Gnosis App vs Ethena Pay
#1 · 1% spread
Gnosis App vs Coca Card
#2 · 1.18% spread
Gnosis App vs EtherFi
#3 · 0.51% spread
| # | Card | FX spread | Card cost | Base cashback | Custody | Setup time | Score |
|---|---|---|---|---|---|---|---|
| 1 | Gnosis App | 0% | Virtual is Free; Physical Visa card is €30 | 5% cashback | Self-Custodial | 20 minutes | 6/10 |
| 2 | Ethena Pay | 1% | 0 | 4% | Non-Custodial (no option to see keys until deleting account | 10 minutes | 8.5/10 |
| 3 | Coca Card | 1.18% | Free | 1% in USDC, paid on the 10th | Non-Custodial | ~8 minutes | 9.2/10 |
| 4 | EtherFi | 0.51% | Free | 3% instant | Non-Custodial | ~8 minutes | 9.2/10 |
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Gnosis App FAQs
Gnosis App
0% FX · 6/10
Who ranks these cards
I'm Tristyn Pawson, founder of ConsistenC.xyz. Over the last five years I've worked on marketing, development and growth across five crypto cards and neobanks, building at least three of them from scratch.
Alongside that I've run in-depth research on 20+ crypto banks to understand what actually makes someone keep a card in their wallet. These rankings reflect that: which problems are tolerable, and which ones are genuine deal breakers.
- Years in market
- 5
- Cards built on
- 5
- Neobanks researched
- 20+