Gnosis Card
- No crypto-to-fiat conversion fee
- No foreign exchange fee
- Self-custodial (connect your own wallet)
- No Apple Pay
- No Cashback
- 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 |
| Cashback | None |
| 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 Countries | AustriaBelgiumBulgariaCroatiaCyprusCzech RepublicDenmarkEstoniaFinlandFranceGermanyGreeceHungaryIcelandIrelandItalyLatviaLiechtensteinLithuaniaLuxembourgMaltaNetherlandsNorwayPolandPortugalRomaniaSlovakiaSloveniaSpainSwedenSwitzerlandUnited Kingdom |
| Supported Blockchains | Gnosis |
| Supported Cryptocurrencies | EUReGBPe |
Gnosis Card: Non-custodial, connect your wallet with ease.
Gnosis Card Benefits and Rewards
Gnosis doesn’t offer cashback rewards or any additional incentives for using the card.
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 40% 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).
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 ~1.8% 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 Nexo Card offer the cheapest crypto-to-fiat conversions (~0.28%, ~0.5% and ~0.75% 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 #10 out of 47 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.
In addition, Gnosis Card ranks #3 out of 10 amongst Non-Custodial Crypto Cards.
We compared Gnosis Card with 37 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 37 competitors:
- 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 7.4/10 on average).
- Doesn't require preconverting of your crypto, converts needed amount automatically on every purchase (while 70% of competing crypto cards require you to preload card in advance).
- Their overall fee structure is incredibly budget-friendly, with a score of 8.2/10 (average fee structure rating amongst other cards is 5.9/10).
- 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 37 competitors, here are the shortcomings of Gnosis Card:
- Apple Pay isn't enabled (while 60% of competing crypto cards have it).
- Doesn't offer any cashback (while other cards give an average of 4%).
- Supports only 2 cryptocurrencies, EURe and GBPe (while other cards support an average of 20).
- Less-known company with a 3/10 company strength score (the average for all competing cards is 6/10).
- Supports only one blockchain, Gnosis (while other non-custodial cards support an average of 6 blockchains).
Gnosis Card vs. xPortal Card vs. Holyheld Card
Gnosis Card
|
xPortal Card
|
Holyheld Card
|
|
|---|---|---|---|
| Monthly Fee | 0.00 EUR | 0.00 EUR | 0.00 EUR |
| Crypto to Fiat Cost | 0% + Gas Fees | ~1% | ~0.5% |
| Highest Cashback | None | up to 5% | up to 1% |
| Entry-Level Cashback | None | 0.2% | 0.5% |
| Daily Spending Limit | 8,000 EUR | 5,000 EUR | 10,000 EUR |
| Daily ATM Limit | 500 EUR | 500 EUR | 5,000 EUR |
| Foreign Exchange Fee | 0% | 2.5% | 0% |
| Asset Management | Non-Custodial | Non-Custodial | Non-Custodial |
Availability for  United States |
|||
| Supported Cryptocurrencies | 2 | 2 | 1201 |
| Apple Pay | Not Enabled | Not Enabled | Enabled |
| Customer Service | Great | Great | Great |
| Company Strength | Weak | Medium | Medium |
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 xPortal 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, xPortal Card offers the best cashback rewards of up to 5%. The cashback rewards for Holyheld Card are not as high. With Gnosis 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 EUR (4.5% of 200 EUR) |
| International ATM Withdrawals | ~13 EUR (6.5% of 200 EUR) | ~18.4 EUR (9.2% of 200 EUR) |
From all crypto cards that we reviewed, Holyheld Card, Bit2Me Card and Nexo Card offer the cheapest local ATM withdrawals (2.5%, 2.7% and 3.2% 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.
We Tested Gnosis Pay's Customer Support
We asked Gnosis Pay's customer support different questions, and then rated their responses to evaluate how good their support is.
Why should you Care:When you'll have a money-related question, like a missing deposit or being overcharged - having good support at that moment will be crucial for you.
Gnosis Pay offers support via the following channels:
| Chat | https://help.gnosispay.com/en/ |
| help@gnosispay.com |
Location: Gnosis Pay customer service reps are located in 
Brazil.¹
| Support Channel | Our Interaction | Score |
Chat (replied in 6 min) | What a pleasure to talk to a highly technical and friendly customer support rep. Great chat on the costs of bridging. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Chat (replied in 7 min) | Quick and to the point reply about a referral program. | High Competence Not Personalized Flawless English, Professional Tone 9/10 |
Chat (replied in 2 min) | Very informative reply, nice discussion on the topic of Gnosis payment processing. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Email (replied in 7 min) | Went the extra mile to check the compatibility of a 3rd party service with their card. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
Chat (replied in 2 min) | Excellent guidance on the question about claiming the Gnosis NFT, highly technical support staff. | High Competence Highly Personalized Flawless English, Professional Tone 10/10 |
To summarize,
Competence and Problem-Solving: Gnosis Pay's customer service agents are highly competent, so you can expect every issue to be resolved with professional expertise and a thorough understanding.
Customer Love: Gnosis Pay's support responses are highly personalized, which makes interactions with them very pleasant. They will address you by name, and carefully consider your unique situation to provide tailored answers that meet your specific needs.
Reply Speed: They respond remarkably quickly, with most of their replies coming within an average of 5 minutes, significantly saving your time.
Overall Customer Service Rating: 9.8/10
This excellent score places Gnosis Pay's Customer Service well above the crypto card industry average of 7.4/10.
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, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.
To see our list of available crypto cards for United States, see this list. There are currently 8 cards listed there.
You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.
Splendid. 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.
