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Gnosis Card
Description
Gnosis Card is a self-custodial crypto card with full IBAN functionality and up to 5% cashback. It stands out for its technical design, requiring users to manage transaction gas fees themselves. The card charges no usage fees and offers a modest free ATM allowance, appealing to advanced DeFi users seeking full control and open-source reliability.
Main characteristics
| Name | Value |
|---|---|
| Support for Stablecoins | Not specified – the focus is on connecting your own wallet rather than supporting additional stablecoins. |
| Beneficiary | Issued in the cardholder’s name – the Gnosis Card is personalized and linked to your identity. |
| Card Issuer | Monavate – as shown on the back of the card. |
| Denominated In | Euro (EUR) and British Pound (GBP) – indicated by “€ EUR? GBP”. |
| Supported Cryptocurrencies | EURe, GBPe – the card supports two cryptocurrencies: EURe and GBPe. |
| Supported Countries | Available in 38 countries – for example, Austria, Belgium, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, and others (see “Show All (38)”). |
| Foreign Exchange Fee | 0% – no fee is charged for foreign exchange, keeping international transactions cost?effective. |
| Crypto to Fiat Conversion | Auto on Every Purchase – crypto is converted to EUR instantly at the time of purchase (with 0% fee plus gas fees). |
| Monthly Fee | 0.00 EUR – there is no monthly fee for using the card. |
| Monthly Inactivity Fee | 0.00 EUR – no fee is charged for periods of inactivity. |
| Interest Rate | N/A – as a debit card, it does not carry an interest rate. |
| Highest Cashback | Up to 5% – premium users can earn up to a 5% cashback, paid in GNO at the latest GNO/EUR exchange rate. |
| Entry-Level Cashback | 2% – entry-level users receive 2% cashback on transactions. |
| Entry-Level Cashback Monthly Cap | 400 EUR – cashback rewards for entry-level users are capped at 400 EUR per month. |
| Daily Spending Limit | 8,000 EUR – the maximum amount you can spend per day is 8,000 EUR. |
| Daily ATM Withdrawal Limit | 500 EUR – you can withdraw up to 500 EUR per day from ATMs. |
| ATM Withdrawal Fee - Fixed Local | Minimum fee of 1 EUR (plus an approximate 3 EUR operator fee) – in local ATM withdrawals, expect a fixed fee component (example: ~7 EUR total on a 200 EUR withdrawal). |
| ATM Withdrawal Fee - Percent Local | 2% – a percentage?based fee is applied on local ATM withdrawals. |
| ATM Withdrawal Limit Monthly - Basic | Free ATM withdrawals up to 200 EUR per month – withdrawals up to 200 EUR are fee?free. |
| No Fee ATM Withdrawal Monthly - Basic | 200 EUR – the first 200 EUR withdrawn each month is exempt from ATM fees. |
| Card Form Mechanism | Physical Only – the Gnosis Card is available solely in physical form, no virtual version is provided. |
| Attached to a Bank Account | Yes – Gnosis Pay provides you with a personal bank account alongside the card. |
| Bank Account Offered | Yes – you receive an Estonia?based IBAN bank account issued in your name as part of the Gnosis Pay service. |
| Bank Account Country | Estonia – the associated bank account is based in Estonia. |
| Bank Account Type | IBAN Bank Account – a traditional IBAN?based debit account is provided. |
| Can Receive From Third Party | Yes – third?party senders are able to deposit funds into your bank account, allowing fiat withdrawals from exchanges or salary payments. |
| Availability | Available to residents in 38 countries – the card is supported in 38 different countries across Europe. |
| Region | Europe – the card is tailored for the European market. |
| Crypto Asset Management | Non?Custodial – you maintain full control over your crypto by connecting your own wallet, your keys are not held by the provider. |
| Cost to Order Physical Card | 30 EUR – there is a fee of 30 EUR to order the physical Gnosis Card. |
| Cost to Order Virtual Card | Not Available – the card is offered solely in physical form. |
| Full Spread | 0% + Gas Fees – the total crypto-to-EUR conversion cost is 0% plus any applicable gas fees. |
| Load Fee | 0% – there is no fee for loading funds onto the card. |
| Sell Spread | 0% – no additional spread is applied when selling crypto, conversion cost is 0% plus gas fees. |
| Transaction Fee | 0% – there are no extra transaction fees. |
| BIN Number | 45671743 – the Bank Identification Number for the Gnosis Card. |
| Issuing Country | Lithuania – the card is issued from Lithuania. |
| Validity Period | 5 years – the card remains valid for 5 years from the date of issuance. |
| Card Network (Visa or MC) | Visa and MasterCard – the Gnosis Card is issued on both networks, ensuring global acceptance and secure transactions. |
| Card Type (Debit or Credit) | Дебетова картка – картка функціонує виключно як дебетова картка. |
| Apple Pay/Google Pay Availability | Not Enabled – Apple Pay is not supported, and there is no mention of Google Pay support. |
| Recharge Methods (SEPA, SWIFT, P2P) | Not specified – as the card balance is managed through Gnosis Pay, traditional fiat recharge methods aren’t applicable. |
| KYC Requirements (Levels) | Mandatory KYC Identity Verification is required to activate the card, specific KYC levels are not detailed. |
| Instant Conversion | Yes – the card converts crypto to fiat instantly at the time of purchase. |
| Fiat Supported (EUR/USD/GBP etc.) | Euro (EUR) and British Pound (GBP) – as indicated by the denominated currencies. |
| Crypto Cashback | Up to 5% (paid in GNO) – cashback rewards depend on your GNO holdings, with entry?level users earning 2% and the potential to earn up to 5% cashback. |
| Crypto Deposit Fee | Not specified – no additional fee information for crypto deposits is provided. |
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