Gnosis Card
- No crypto-to-fiat conversion fee
- No foreign exchange fee
- Self-custodial (connect your own wallet)
- No Apple Pay
- Supports only 2 coins
-
Key Features
| Visa or MC | |
|---|---|
| Debit or Credit | Debit Card |
| Denominated In | € EUR£ GBP |
| Apple Pay | Not Enabled |
| Monthly Fee | 0.00 EUR |
| Monthly Inactivity Fee | 0.00 EUR |
| Crypto to EUR Crypto->EUR Conversion Cost | 0% + Gas Fees |
| Highest Cashback | up to 5% |
| Entry-Level Cashback | 2% |
| Entry-Level Cashback Monthly Cap | 400 EUR |
| Daily Spending Limit | 8,000 EUR |
| Daily ATM Withdrawal Limit | 500 EUR |
| Foreign Exchange Fee | 0% |
| Crypto to Fiat Conversion | Auto on Every Purchase |
| Crypto Asset Management | Non-Custodial (connect your own wallet) |
| Supported Blockchains | Gnosis |
| Supported Countries | AustriaBelgiumBulgariaSwitzerlandCyprusCzechiaGermanyDenmarkEstoniaSpainFinlandFranceUnited KingdomFrench GuianaGuadeloupeGreeceCroatiaHungaryIrelandIcelandItalyLiechtensteinLithuaniaLuxembourgLatviaSaint MartinMartiniqueMaltaThe NetherlandsNorwayPolandPortugalRéunionRomaniaSwedenSloveniaSlovakiaMayotte |
| Supported Cryptocurrencies | EUReGBPe |
Gnosis Card: Non-custodial, connect your wallet with ease.
Gnosis Card Benefits and Rewards
Gnosis offers up to 5% cashback, depending on the amount of GNO (Gnosis Token) you hold:
| Required Holdings | Cashback Rate |
| 0.1 GNO (~12 EUR¹) | 1% |
| 1 GNO (~120 EUR¹) | 2% |
| 10 GNO (~1,160 EUR¹) | 3% |
| 100 GNO (~11,520 EUR¹) | 4% |
Plus you get an additional 1% if you have Gnosis Pay OG NFT in your wallet.
The reward is calculated in the currency of your card payment using the latest GNO/EUR exchange rate, and is paid in GNO.
Reality Check While Gnosis Card promotes up to 5% cashback, if you're an entry-level user with 1,000 EUR in assets, you'll qualify for 2% cashback, capped at 400 EUR per month.
Are other cards more generous at base tier? No, they are not. In fact, Gnosis Card offers more value for the entry-level user, than most competitors:
| Gnosis Card | Industry Average1 | |
| Entry Level Cashback | 2% | 1% |
| Entry Level Cashback Monthly Cap | 400 EUR | 35 EUR |
Gnosis Card is a Debit Card
- Debit Card
- Credit Card
- Prepaid Card
- EE
IBAN Bank Account- in your name
Gnosis Card differs from a traditional debit card, where the balance is typically linked directly to your bank account. With Gnosis Pay, the card has its own separate balance, while Gnosis Pay also provides you with a personal bank account on the side. You'll receive an Estonia-based IBAN bank account number issued in your name.
Useful:Some crypto card companies only allow fiat deposits from accounts that are directly in your name. With Gnosis Pay, third party senders are able to deposit funds into your bank account, which means you can receive fiat withdrawals from exchanges or receive salary payments.
It's Offered in Physical Form, Without an Instant Virtual Equivalent
Gnosis Card is available solely in physical form, unlike 30% of crypto cards offering both physical and virtual versions. This means you'll have to wait for its arrival by mail after completing the KYC Identity Verification.
Wondering about the pros and cons of physical-only format? Here are some highlights:
Physical Card | No Virtual Card |
|---|---|
| ATM Withdrawals | No Second Card Number |
| Required for Car Rentals, Hotels | No Instantly Available Card |
| Useful When Phone Dies, or no Wifi | Cannot Separate Online Purchases for Safety |
| Backup Payment Method | Cannot Have a 2nd Card with Lower Spend Limits |
Cost to Order: 30 EUR |
Inconvenience:Since Gnosis Card doesn't support Apple Pay, you will have to take it out of your wallet everytime you pay for something (unless you use Curve).
The back of Gnosis Card
| Card Issuer | Monavate |
|
BIN Number ⓘ
BIN number is the first 8 digits of the card and identifies the card issuer.
| 45671743 |
| Validity Period | 5 years |
| Issuing Country | Lithuania |
Crypto-to-EUR Conversion Cost with Gnosis Card
Gnosis Card Converts Your Crypto on Demand
Gnosis Card offers instant conversion to EUR at the time of purchase. This allows you to hold your crypto and exchange to real-life currency only when you need to. No need to pre-convert your cryptocurrencies or preload the card.
| Crypto to Fiat Conversion Fee | 0% |
| Broker Sell Spread | 0% |
| Load Fee | 0% |
| Transaction Fee | 0% |
| Gas Fees | vary |
| Total Crypto to EUR Cost | 0% + Gas Fees |
Low Cost:Compared to the average ~1.7% crypto-to-fiat cost of other cards, converting crypto with Gnosis Card is much more cost-effective (0% + Gas Fees). This means that you will get more EUR for your crypto when using this card.
From all crypto cards we reviewed for Europe, WhiteBIT Card, Holyheld Card and Trade Republic Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.7% respectively), while converting crypto with OWNR Card will cost you the most, ~4.64%.
How Does Gnosis Card Compare to Other Crypto Cards?
Gnosis Card ranks #2 out of 63 amongst all the crypto cards we have reviewed so far. This means it's in the Top 5%.
In addition, Gnosis Card ranks #1 out of 15 amongst Non-Custodial Crypto Cards.
We compared Gnosis Card with 42 similar crypto cards, available for the same geographical region. See the resulting pros and cons below.
Strongest Features Against Competitors
Here are the strongest features of Gnosis Card against its 42 competitors:
- Offers impressive maximum cashback of up to 5% (other cards have an average of 4%).
- Offers up to 400 EUR per month in cashback for entry-level users (exceeding the competitors' 35 EUR average).
- Has a Foreign Exchange Fee of 0% (other cards have 1.5% average).
- Their customer service is very good with a 9.8/10 score (others score only 7.6/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 60% of competing crypto cards require you to preload card in advance).
- Their overall fees & limits structure is incredibly generous, with a score of 9.4/10 (average fees & limits structure rating amongst other cards is 5.7/10).
- This crypto card is non-custodial, which means you keep the keys to your crypto assets and can connect your own wallet. You have full control, unlike with custodial cards that manage your crypto assets.
Weakest Features Against Competitors
Compared to its 42 competitors, here are the shortcomings of Gnosis Card:
- Apple Pay isn't enabled (while 70% of competing crypto cards have it).
- Daily spend is capped at 8,000 EUR (while other cards offer 25,000 EUR daily spend limit on average).
- Supports only 2 cryptocurrencies, EURe and GBPe (while other cards support an average of 15).
- Supports only one blockchain, Gnosis (while other non-custodial cards support an average of 6 blockchains).
Gnosis Card vs. Holyheld Card vs. Metamask Card
Gnosis Card
|
Holyheld Card
|
Metamask Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | 0% + Gas Fees | ~0.5% | 0% + Gas Fees |
| Highest Cashback | up to 5% | up to 1% | None |
| Entry-Level Cashback | 2% | 0.5% | None |
| Daily Spending Limit | 8,000 EUR | 10,000 EUR | 8,750 EUR |
| Daily ATM Limit | 500 EUR | 5,000 EUR | N/A (Virtual-Only Card) |
| Foreign Exchange Fee | 0% | 0% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 2 | 1201 | 3 |
| Apple Pay | Not Enabled | Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Brand Authority | Growing | Growing | Well-Known |
If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. Holyheld Card offers the highest daily spending limit of 10,000 EUR. You will get lower daily limits with Gnosis Card and Metamask Card.
Cashback rewards are a great way to earn back some of the money you spend on your card and is an important consideration as well. Out of the three, Gnosis Card offers the best cashback rewards of up to 5%. The cashback rewards for Holyheld Card are not as high. With Metamask Card, you will have no cashback rewards at all.
To make a good choice, look through all features, as it is an individual choice. If you will mostly do online transactions with this card, then Apple Pay availability may not be a very important feature for you. If you travel a lot, foreign exchange rate will matter. And so on.
Gnosis Card ATM Fees: The Real Cost of Cashing Out
Local ATM Withdrawals in EUR
Here's a breakdown of the fees you'll face when making local ATM withdrawals with your Gnosis Card:
Starting with an initial amount of 200 EUR in EURe, the ATM withdrawal with Gnosis Card will cost you a total of ~7 EUR (3.5% of 200 EUR), resulting in a final cash withdrawal of 193 EUR in hand.
Doesn't Gnosis Card Offer Free ATM Withdrawals?
Yes, Gnosis Pay offers free ATM withdrawals for up to 200 EUR per month, in line with the average limit of 200 EUR offered by other cards.
When they say 'free', they are only referring to their ATM Withdrawal Fee, which will be waived for the first 200 EUR withdrawn per month. In our example, if you withdraw 200 EUR, this waiver saves you 4 EUR, reducing your local ATM withdrawal cost to around 3 EUR, compared to the standard cost of approximately 7 EUR.
International non-EUR ATM Withdrawals
Things will get significantly worse for International ATM Withdrawals. If you're out of country and cashing out with your Gnosis Card, here's what it will look like:
For an international withdrawal using your Gnosis Card with an initial 200 EUR in EURe, you'll incur fees totaling ~13 EUR (6.5% of 200 EUR), leaving you with 187 EUR in the equivalent foreign currency.
Reality CheckCompared to other crypto cards, Gnosis Card is more cost-effective for both local and international ATM withdrawals:
| Cost with Gnosis Card | Cost with Other Cards | |
| Local ATM Withdrawals | ~7 EUR (3.5% of 200 EUR) | ~9.2 EUR (4.6% of 200 EUR) |
| International ATM Withdrawals | ~13 EUR (6.5% of 200 EUR) | ~18.6 EUR (9.3% of 200 EUR) |
From all crypto cards that we reviewed, Trade Republic Card, Holyheld Card and Bit2Me Card offer the cheapest local ATM withdrawals (2.2%, 2.5% and 2.7% of 200 EUR respectively), while OWNR Card scores the worst, landing last on the list with a total local ATM withdrawal cost of 9% of 200 EUR.
Gnosis Pay Coupon Code - to Get 100% Discount on Card Order Price
You can use coupon code 1b049a6228f8 to get 100% Discount on card order price.
Here's how you can enter the coupon code when signing up:
..or, just click here.
p.s. Are we getting paid for referring you? Yes, and it helps us continue our mission. It's like you are buying us lunch 🍱 for all the hard work we've put into building this site. We really appreciate it. Thank you. 🙏🤗
Gnosis Card supports 38 countries
Is Gnosis Card Available for Residents of United States?
No, Gnosis Card is not available for residents of United States.
Gnosis Card supports the following countries: Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, French Guiana, Germany, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Norway, Poland, Portugal, Réunion, Romania, Saint Martin, Slovakia, Slovenia, Spain, Sweden, Switzerland, The Netherlands, United Kingdom.
To see our list of available crypto cards for 🇺🇸 United States, see this list. There are currently 12 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Valuable Points. What's My Next Step?
Paulina Masson
Paulina has a strong background in finance and cryptocurrency. She's been involved with crypto since its early days and has observed its progression over the years. Notably, she possesses expertise in various crypto products, having personally tested and evaluated many of them. In her spare time, she is developing a crypto bot designed to automatically trade on short timeframes.
