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Gnosis Card
Description
Key features:
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True self-custody: Users retain full control over their assets via smart contract wallets.
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Zero transaction fees: No fees for payments, conversions, or card usage.
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Full IBAN access: Enables fiat on/off-ramps through personal IBAN for euro transfers.
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Up to 5% cashback: Earn rewards for eligible transactions, boosted through Gnosis ecosystem participation.
Limitations to consider:
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Gas management required: Users must handle blockchain gas fees, which can complicate the experience for beginners.
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Limited free ATM use: Modest allowance for fee-free cash withdrawals.
Gnosis Card is ideal for advanced users and DeFi enthusiasts looking for a self-sovereign financial tool with real rewards, though it comes with the complexity of on-chain operations.
Main characteristics
| Name | Value |
|---|---|
| Network | Visa |
| Card Type | Stablecoin prepaid debit card |
| Funding Options | On-chain EURe; SEPA→IBAN minting EURe |
| Stablecoin Onboarding | EURe only |
| KYC Verification | Full KYC (ID + address) |
| Cardholder | Individual |
| Issuing Entity | EU e-money institution |
| Base Currency | EUR |
| Supported Cryptos | EURe only |
| Coverage Area | EEA |
| FX Markup | 0% |
| Crypto→EUR Funding | On-chain EURe debit |
| Interest Rate | N/A |
| Max Cashback | Up to 5% in GNO |
| Base Cashback | 0–4% in GNO |
| Daily Spend Limit | €8 000/day |
| Daily ATM Limit | €500/day |
| ATM Fee (Variable) | 2% beyond €200/month |
| Monthly ATM Cap | €200 free/month |
| Free ATM Allowance | €200/month |
| Card Formats | Physical only |
| IBAN Attached | Yes |
| Bank Account Offered | Yes (e-money current) |
| Account Locale | Poland (PL-IBAN) |
| Account Type | E-money current |
| Third-Party Receipts | Yes |
| Launch Status | 2024 pilot |
| Primary Region | Europe |
| Custody Model | Self-custodial |
| Physical Card Cost | €30 issuance |
| Virtual Card Cost | N/A |
| Conversion Spread | 0% |
| Total Crypto Cost | 0% |
| Instant Sell | Yes |
| Spendable Fiat | EUR |
| BIN | Not publicly disclosed |
| Issue Country | Not publicly disclosed |
| Validity | 3 years |
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