The card is already gone: Gnosis Pay shuts down, holders should withdraw

Updated October 2026

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If you are here because you were thinking of getting a Gnosis Pay card, stop reading the marketing and start reading the dates: this card is no longer issued, and the card and the web app stop working on 20 December 2026 at 23:59 UTC. That is not a forecast, it is the published shutdown timetable. So this review is not a “should I sign up” page — the sign-up question is settled. What is left is the part that actually matters to you: how the money works, what you personally have to do before the card dies, what can still go wrong after it dies, and which of the cards that replaced it fits a person who cannot get an ordinary bank card.

Conditions are current as of October 28, 2026.

I scored the card 4.5 out of 10, and I want to be honest about why the number is not lower. The everyday mechanics were genuinely good: no transaction fees, no added foreign-exchange fee from Gnosis Pay, a virtual card you can hold in minutes, Apple Pay and Google Pay, a self-custody wallet underneath so nobody can quietly move your money. On the day-to-day experience alone it would have scored well. But a card that is being switched off is not a card, and the reliability of the shutdown machinery, the state of the review pages and the shape of support after the fact drag the total down hard.

Score card

What happened to the programme

Three dates do all the work here, and it is worth having them in front of you rather than in a browser tab. On 7 September 2026 the site started pitching B2B card issuing to companies instead of to individuals, with Startup and Enterprise tiers built on two- and three-year agreements, dedicated BINs in the Enterprise case and custom pricing. On 21 September 2026 a formal closure notice appeared. And on 20 December 2026 at 23:59 UTC the card stops authorising and the web app closes, except for withdrawals.

The structural reason is that Gnosis Pay was never the issuer. Gnosis Pay is the trading name of Gnosis Pay Co Ltd, a UK-registered company (No. 14919639), and its role is technical services provider and programme manager. The card itself is a Visa, issued by Monavate Limited under a licence from Visa Europe Limited; Monavate is an FCA-authorised electronic money institution (FRN 901097). UK and non-EEA cardholders sit with Monavate Ltd, EEA cardholders with UAB Monavate, the Bank of Lithuania entity. So the thing closing is the front end and the consumer programme around someone else’s banking licence. That distinction is the single most useful thing to understand about this closure, and it shapes what happens to your money.

The old card is not being upgraded. The consumer card is being replaced by partner cards, and News reporting (not official) from late September 2026 says MiniPay will handle the migration and issue replacement cards on Gnosis Pay’s enterprise rails. That means a move is not a continuation: a partner card is a new card programme, with a new Safe, new terms and — quite possibly — fresh identity or compliance checks. The help centre is explicit that moving to a partner card may require new identity or compliance checks and a new Safe. Whatever balance is sitting in your Safe when you go through that door is the thing that has to survive; the card number does not.

Who the card was for, before the doors shut: legal residents of selected European and Latin American countries — Argentina, Austria, Belgium, Brazil, Bulgaria, Colombia, Croatia, Cyprus and more EEA — with a waitlist for new countries. The rule was residence, not citizenship. The site now lists corridors for USD, EUR, GBP, BRL and ARS plus the partner apps. On the unofficial side, third-party card directories reported in August 2026 that Russia sits on the restricted list, meaning card use is prohibited, and that Russia is not an eligible application country. That is third-party reporting, not something Gnosis Pay’s own pages state, and if you are in that situation the practical answer is that this card was never open to you and the closure changes nothing.

Verification ran through Sumsub in a single unified KYC flow. What documents were required, what proof of address, what minimum age — the card’s public pages do not say. The unofficial version from the same August 2026 third-party sources is 18+, a government ID or passport, and proof of address issued within the last three months, with approval not guaranteed. Treat that as a description of the old process, not as a promise about any partner card.

On cost, the card’s own pages had drifted. The help centre carries a card purchase fee of EUR 30.23 and marks it as possibly outdated; the current page says card order is free and physical card shipping is free, and the closure notice prices the consumer card as free to issue. Delivery time and the specific delivery countries were not stated on that page. Unofficial sources reported a physical card usually arriving within 2 weeks and up to 4 weeks at most, with the virtual card available within minutes after KYC.

If you already have the card

This is the section I would read twice if the card is in your wallet right now. The good news first, and it is genuinely good news: your money is not held by Gnosis Pay or Monavate. The balance sits in a self-custodial Safe smart account on Gnosis Chain. The assets remain yours; neither Gnosis Pay nor Monavate can take them or block transfers. Access is not only through Gnosis Pay’s interface — you can reach the same account through third-party Safe interfaces using the signer key you already have. That is the structural difference between a prepaid card balance and a self-custody wallet, and it is why this shutdown is inconvenient rather than dangerous.

What you need to do:

• Withdraw before 20 December 2026. The help centre says withdrawals stay open on the web app at app.gnosispay.com/withdraw after that date, with no deadline stated, but it also recommends withdrawing before 20 December 2026. Treat the recommendation as the instruction. Two independent reports from September 2026 (Crypto Briefing, with Odaily and The Defiant agreeing) describe the web app staying in limited capacity after the cutoff for withdrawals only, with no withdrawal deadline for funds in Safe accounts. The official help-centre page “Is Gnosis Pay shutting down?” is vaguer still: the web app is deprecated “by end of 2026” and migration paths stay open “for as long as possible”. Two specific dates and one vague phrase do not agree with each other, which is exactly why you act early.
• Prove you can get in without Gnosis Pay. Before the cutoff, confirm independent access through another Safe interface with your signer key. This is the step people skip and regret.
• Export your transaction history, and note the last four digits and expiry of the card, before 20 December 2026. If you ever need to raise a dispute later, you will want both.
• Cancel recurring payments yourself. After the cutoff, recurring payments fail and cannot be moved to another card. Subscriptions, rent, insurance, anything that bills monthly — move those to a card that will still exist.
• Assume refunds arriving after deactivation cannot be used on the card. That is stated, and it means a refund sitting in the wrong place is a support problem, not a spending balance.

Day-to-day limits, for planning your last weeks: EUR 5,000 per regular transaction and up to EUR 8,000 per day. ATM withdrawals were free up to five times a month or 200 EURe/GBPe/USDCe, then 2% with a minimum of 1 EUR or GBP; EUR 250 per ATM transaction and EUR 500 per day. The card spent EURe, GBPe and USDCe at 1:1 — a EUR 10 purchase is 10 EURe — and Gnosis Pay added no conversion fee of its own, with Visa’s exchange rate applied automatically; the page advised choosing the local currency at terminals.

Where support lives: the help centre at help.gnosispay.com and [email protected] for general cardholder matters, [email protected] for complaints (forwarded to Monavate), and [email protected] for complaints to Monavate directly, in English or Lithuanian, hours not stated. General cardholder support ends 23:59 on 18 June 2027. Partner-app questions go to the partner, not to Gnosis Pay. Support for refunds, disputes and chargebacks ends 23:59 on 12 June 2028 — but your statutory rights against Monavate are not limited by that date, which is worth separating carefully in your own head.

What can go wrong

A closure notice is not the only risk here; there are four, and they are separate.

Recurring payments break, and they break silently. Anything that bills the card monthly fails after the cutoff and cannot be ported. Set up a calendar reminder, or better, move the subscriptions first and treat the date as a backstop.

Authorised-but-unsettled transactions still complete. The cutoff stops new authorisations; it does not recall money already authorised. Refunds that arrive after deactivation cannot be used on the card. So expect a tail of small surprises in the following weeks, and keep receipts for them.

Disputes have a clock that does not stop at the card’s death. Your rights for unauthorised or incorrectly executed transactions, and your card-scheme chargeback rights, are unaffected by the closure — but scheme time limits apply, so raise disputes promptly via [email protected] or the help centre rather than assuming you have until June 2028. The 12 June 2028 date is when Gnosis Pay stops supporting refunds, disputes and chargebacks; it is not a licence to sit on a claim. If Monavate does not resolve a complaint, escalation runs to the Financial Ombudsman Service in the UK or the Bank of Lithuania in the EEA.

The self-custody answer cuts both ways. The Safe is yours and cannot be frozen — but the card-side controls were never described: whether you can freeze a card, whether two-factor authentication was offered, what spending controls existed, and whether funds were insured are all not stated on the public pages. Self-custody also means the usual risks sit with you: key loss, phishing, and clipboard-hijacking malware that swaps a copied address. Blockchain transfers are irreversible, so a transfer to an unsupported network or the wrong address can be lost, with no guaranteed recovery.

The complaint record deserves a paragraph of its own, because it is the reason the reliability mark is 1 rather than 4. Trustpilot reads 2.3 out of 5, labelled “Poor”, from 38 reviews, 21 of them in the last twelve months, with 58% one-star and 21% five-star (other regional pages showed 2.5; read 20 October 2026). Three themes repeat. First, support that does not answer: chats, tickets and emails going unanswered for one to several weeks between March and July 2026. Second, money that is missing or blocked: balances dropping after a failed payment or top-up, withdrawal attempts failing, transactions pending for two weeks or more between May and July 2026. Third, KYC rejections without a stated reason, and “country not supported” for countries the programme itself listed, such as Italy and Mexico, reported between April and August 2025 and in May 2026, plus account deactivation and login problems in June and July 2026. Now layer on the shutdown timetable: if you are disputing a transaction, this is the support organisation you are dealing with.

One more thing I could not verify, and I would rather say so than smooth it over. News reporting from June 2026, attributed to The Block and to LCX and Cointelegraph, described an exploit against the Gnosis Pay delay module; co-founder Koppelmann said Gnosis would cover user losses, and early-withdrawal advice was reported as conflicting across sources. I did not check the status of any compensation. Do not treat coverage of losses as a promise of reimbursement.

For context on why this kind of closure happens at all: a card programme rests on three parties — the network that routes the payments, the licensed issuer, and the brand that markets it — and the brand is usually the one that goes. Visa terminated its global agreements with FTX in November 2022 and the FTX US debit card was wound down by its issuer; Visa also suspended WaveCrest in Europe in 2018, closing all WaveCrest-issued Visa programmes. Programme closures follow a shape: notice, then spending and loading stop, then users are asked to withdraw.

What to take instead

I scored the alternatives below out of the same ten, so you can compare like with like. None of them is a like-for-like replacement for the Gnosis Pay model — the self-custody Safe underneath is the unusual part, and none of these three reproduces it exactly.

MetaMask is the strongest of the three on the numbers, and the closest in spirit, because it also spends straight from a wallet you control rather than from a prepaid balance. Sign-up is open in 45 listed countries and territories — Andorra, Argentina, Brazil, Canada, Mexico, Germany, France, Spain, Uruguay among them — with other regions on a waitlist; proof of residency is required, the pages say ineligible regions limit sign-ups rather than spending, citizenship is not stated, and US and UK sign-ups are temporarily closed per the FAQ. The card is a Mastercard: virtual first and instant, a metal version pre-orderable in app after approval, one card per user, issuer Monavate with Crypto Life as card provider. Virtual is free with no annual or maintenance fee; metal is $199/year. Fees are a “minimal fee for each transaction” with the amount not stated on the pages, no additional MetaMask fees, and no foreign transaction fee. It spends from the connected wallet on Linea, Base, Monad and Solana, with mUSD, wETH, EURe, GBPe, USDC and USDT named as tokens. Cashback is paid in mUSD: 1% on Virtual, with the Metal headline 3% limited by footnote to the first $10,000 spent and 1% after that.

KAST is the one with the fee structure that would suit someone spending abroad heavily: stablecoin top-up 0%, card spend in USD 0%, transaction fee 0%, Apple and Google Pay 0%, and a non-USD foreign-exchange fee of 0.5% to 1.75% depending on your country of residence, the country of the transaction and the card programme. Under 25 USD non-USD transactions cost 0.10 USD, and a declined transaction for insufficient balance costs 0.50 USD. Membership runs Standard at 0 USD, Premium at 1,000 USD/year and Private at 10,000 USD/year, billed annually upfront with no monthly option; there is a 1 USD/month inactivity fee after 12 months. Its KYC is the strictest of the three about identity documents: living in a supported country is not enough if your ID is from a restricted region, dual citizens with an ID from a supported country may pass, only the account holder’s own ID is accepted, and a VPN does not bypass the check. It funds from USDT, USDC, PYUSD and RLUSD, with the terms text naming “currently USDT and USDC”, a conflict the app does not resolve.

TokenPocket sits last, mainly because of the 1% deposit fee on crypto. It covers a long list — Visa debit for European countries and territories such as Germany, France, Spain and Switzerland, Mastercard debit for Australia, Canada, Hong Kong, Japan, Taiwan, New Zealand, Singapore, South Korea and the UK — runs on Arbitrum, and its Fiat24 cards are virtual, with no physical card mentioned. Apart from the NFT creation fee, of which TokenPocket covers part and you pay “a small portion” (amount not stated), it charges no additional fees; settlement between institutions can still add costs.

If you want the Gnosis Pay feel specifically, the honest comparison is against nothing on this list: none of the three puts your balance in a self-custody smart contract account that the provider cannot touch. That was the real product. What replaces it is a wallet you control plus a card that spends from it, which is a different architecture with different failure modes.

Who I would recommend it to

To nobody as a card to apply for — there is no application, and the closure notice is the end of that road. To a current holder, I recommend three things in this order: withdraw and move the balance out before 20 December 2026, confirm you can reach the Safe through another interface with your signer key, and export your transaction history while the app still works. Then, separately, get your recurring payments off the card, because they will not migrate themselves.

To someone reading this in the market for a crypto card: MetaMask is the one I would look at first, at 7.1 out of 10, on the strength of a free virtual card, no foreign transaction fee, spending from a self-controlled wallet, and a sign-up list of 45 countries — provided your country is on it and you are not waiting on the US or UK reopening. KAST is worth a look if you travel and the flat 0% spend fee matters more to you than a membership fee. TokenPocket I would read the 1% deposit fee carefully before committing.

To someone who never had this problem and just wants a normal card: none of this matters. Read the Trustpilot themes again if you are tempted by a prepaid-style crypto card in general — blocked balances, silent KYC rejections, unanswered support — and then pick whichever card your own bank actually supports.

Frequently asked questions

Is Gnosis Pay a bank?

No. Gnosis Pay is the trading name of Gnosis Pay Co Ltd, a UK-registered company (No. 14919639), acting as technical services provider and programme manager. The card was issued by Monavate Limited, an FCA-authorised electronic money institution (FRN 901097), under a Visa Europe licence; EEA cardholders were served by UAB Monavate, the Bank of Lithuania entity. An e-money institution can hold funds and issue cards but cannot lend.

Can I still apply for a Gnosis Pay card?

No. Issuing to consumers has closed, and the card stops authorising and the web app closes except for withdrawals at 23:59 UTC on 20 December 2026. What replaces it is partner cards, which the help centre says may require a new identity or compliance check and a new Safe. The site now markets B2B card issuing with Startup and Enterprise tiers instead.

What happens to my money after the card stops working?

Your balance sits in a self-custodial Safe smart account on Gnosis Chain, so the assets remain yours and neither Gnosis Pay nor Monavate can take them or block transfers. Withdrawals stay open on the web app after 20 December 2026 with no deadline stated, though the card’s own recommendation is to withdraw before that date. Blockchain network fees may apply, and you can also reach the Safe through third-party Safe interfaces with your existing signer key.

Is the Gnosis Pay card free?

The current pages say yes: card order and physical card shipping are free, with no Gnosis Pay transaction fees and no added foreign-exchange fee, though Visa’s own rate applies. An older help-centre figure of EUR 30.23 is marked as possibly outdated. A replacement for a lost or stolen card costs 4.99 in EURe/GBPe/USDCe including shipping, and ATM withdrawals are free up to five times a month or 200 units, then 2%.

Does Gnosis Pay require KYC?

It did. Verification ran through Sumsub in a single unified identity flow, with levels, processing time and official rejection reasons not stated on the public pages. Third-party directories reported in August 2026 an 18+ minimum, a government ID or passport, and proof of address issued within the last three months. Under EU anti-money-laundering rules, if due diligence cannot be completed, the institution must decline the relationship.

Was Gnosis Pay safe to use?

Your funds were, because of self-custody. Support and reliability were the weak point: Trustpilot read 2.3 out of 5 from 38 reviews when checked on 20 October 2026, with recurring reports of unanswered support, blocked or missing balances and unexplained KYC rejections. News also reported a June 2026 exploit against the Gnosis Pay delay module, with co-founder Koppelmann saying Gnosis would cover user losses; compensation status was not checked here.

Can I still get a refund or complain after the closure?

Your rights for unauthorised or incorrectly executed transactions and your card-scheme chargeback rights are unaffected, but act promptly — scheme time limits apply. Support for refunds, disputes and chargebacks ends at 23:59 UTC on 12 June 2028, and general cardholder support ends at 23:59 UTC on 18 June 2027. Statutory rights against Monavate are not limited by those dates; escalate to the UK Financial Ombudsman Service or the Bank of Lithuania.

How do I delete or close my Gnosis Pay account?

There is no deletion process described on the public pages, and there does not need to be one: your money is not held by the provider, it is in your Safe. What matters is withdrawing the balance and confirming you can still reach the account through another Safe interface with your signer key. Leave nothing that depends on Gnosis Pay’s web app after 20 December 2026.

Where could I use the Gnosis Pay card?

It was a Visa, virtual and physical, with Apple Pay and Google Pay support, spending EURe, GBPe and USDCe 1:1. Restrictions included rental-car agencies and automated fuel dispensers, and use was prohibited in certain countries. Third-party reporting in August 2026 said gambling categories were blocked and excluded from cashback. Merchants can also decline prepaid or foreign-issued card numbers, which is a category issue rather than a Gnosis Pay one.

Is it worth switching to a Gnosis Pay partner card?

Partner cards are new programmes with new terms, a new Safe and possible fresh checks, so I would not switch on trust alone. Compare costs directly: MetaMask at 7.1 out of 10 has a free virtual card and no foreign transaction fee, KAST at 6.1 charges 0% to spend but takes US$1,000 to US$10,000 a year for its paid tiers, and TokenPocket at 5.8 charges 1% on crypto deposits.

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