Gnosis Card

#10 (out of 54) in Crypto Cards
#9 (out of 38) in Crypto Cards for Europe
#2 (out of 12) in Non-Custodial Crypto Cards
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Overall Rating
Brand Authority
Fees and Limits Structure
Customer Service
  • 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
Visa or MC
Debit or Credit

Debit Card

Denominated In€ EUR£ GBP
Apple PayNot Enabled
Monthly Fee

0.00 EUR

Monthly Inactivity Fee

0.00 EUR

Crypto to EUR Crypto->EUR Conversion Cost

0% + Gas Fees



Daily Spending Limit

8,000 EUR

Daily ATM Withdrawal Limit

500 EUR

Foreign Exchange Fee


Crypto to Fiat Conversion

Auto on Every Purchase

Crypto Asset Management

Non-Custodial (connect your own wallet)

Supported CountriesShow All (38)
Supported Blockchains
Supported CryptocurrenciesEUReGBPe
Gnosis Card: Non-custodial, connect your wallet with ease.

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
  • EE88 8888 8888 8888 8888
  • Estonia flag 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 WithdrawalsNo Second Card Number
Required for Car Rentals, HotelsNo Instantly Available Card
Useful When Phone Dies, or no WifiCannot Separate Online Purchases for Safety
Backup Payment MethodCannot 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 Fee0%
Broker Sell Spread0%
Load Fee0%
Transaction Fee
Gas Feesvary
Total Crypto to EUR Cost0% + 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 #10 out of 54 amongst all the crypto cards we have reviewed so far. This means it's in the Top 30%.

In addition, Gnosis Card ranks #2 out of 12 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 7.5/10 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 fees & limits structure is incredibly generous, with a score of 7.8/10 (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 37 competitors, here are the shortcomings of Gnosis Card:

  • Apple Pay isn't enabled (while 70% of competing crypto cards have it).
  • Doesn't offer any cashback (while other cards give an average of 4%).
  • Daily spend is capped at 8,000 EUR (while other cards offer 27,000 EUR daily spend limit on average).
  • Supports only 2 cryptocurrencies, EURe and GBPe (while other cards support an average of 15).
  • Lesser-known company with a 3/10 brand authority 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. Holyheld Card vs. xPortal Card

    Gnosis Card
    Holyheld Card
    xPortal Card
    Monthly Fee 0.00 EUR 0.00 EUR 0.00 EUR
    Crypto to Fiat Cost 0% + Gas Fees ~0.5% ~1%
    Highest Cashback None up to 1% up to 5%
    Entry-Level Cashback None 0.5% 0.2%
    Daily Spending Limit 8,000 EUR 10,000 EUR Unlimited
    Daily ATM Limit 500 EUR 5,000 EUR 500 EUR
    Foreign Exchange Fee 0% 0% 2.5%
    Asset Management Non-Custodial Non-Custodial Non-Custodial
    Availability for United States flagUnited States
    Supported Cryptocurrencies 2 1201 11
    Apple Pay Not Enabled Enabled Enabled
    Customer Service Great Great Great
    Brand Authority Less-Known Growing Growing

    If you plan to use your card for daily purchases, then daily spending limit is an important consideration for you. xPortal Card offers an unparalleled Unlimited daily spending limit. You will get lower daily limits with Gnosis Card and Holyheld 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:

You're at a local ATM and have:
199.8992 EURe (200 EUR)
-0 EUR
Gnosis Pay Crypto-to-Fiat Conversion Cost: 0% + Gas Fees
-4 EUR
Gnosis Pay ATM Withdrawal Fee: 2%, min 1 EUR
-3 EUR
ATM Operator Fee: ~3 EUR
193 EUR

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:

You're at an international ATM and have:
199.8992 EURe (200 EUR)
-0 EUR
Gnosis Pay Crypto-to-Fiat Conversion Cost: 0% + Gas Fees
-4 EUR
Gnosis Pay Intl ATM Withdrawal Fee: 2%, min 1 EUR
-0 EUR
Gnosis Pay Foreign Exchange Fee: 0%
-2 EUR
Visa Foreign Exchange Fee: 1%
-3 EUR
ATM Operator Fee: ~3 EUR
-4 EUR
ATM Operator Foreign Exchange Fee: ~2%
Foreign Currency (worth 187 EUR)

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 CardCost 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)~18.2 EUR (9.1% 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.

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:


Location: Gnosis Pay customer service reps are located in Brazil flagBrazil.¹

Support Channel Our Interaction Score
(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
(replied in
7 min)
Quick and to the point reply about a referral program.
High Competence
Not Personalized
Flawless English, Professional Tone
(replied in
2 min)
Very informative reply, nice discussion on the topic of Gnosis payment processing.
High Competence
Highly Personalized
Flawless English, Professional Tone
(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
(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

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 7/10.

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:

Gnosis Pay coupon code

..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. 🙏🤗

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, French Guiana, Germany, Greece, Guadeloupe, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Martinique, Mayotte, Netherlands, Norway, Poland, Portugal, Reunion, Romania, Saint-Martin, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom.

To see our list of available crypto cards for United States, see this list. There are currently 9 cards listed there.

You may also be interested in this article: Crypto Cards for USA: The Best Options for Americans.

Well Noted. What's My Next Step?

Paulina Masson

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.

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