To stay closest to Gnosis Pay's model, a card that spends from a wallet you control, look first at MetaMask Card (free virtual card; its EEA list leaves out the Czech Republic, Estonia, Latvia and Lithuania, and it lists the UK) or Bleap (EEA and Switzerland only). ether.fi Cash has the highest headline cashback and accepts UK residents, but it is a credit card with its own borrowing rules. Holyheld has moved to an invitation-only membership.
If you are willing to let the card provider hold your balance, KAST, RedotPay and Tria are the three cards this site partners with. KAST and RedotPay keep a US-dollar balance, so every euro or pound purchase pays an FX fee. KAST and Tria do not publish a full country list, and RedotPay's restriction lists include Croatia and Slovenia.
The shutdown date comes from Gnosis Pay's own formal notice, now published in full on its help center; CoinDesk and CryptoBriefing had reported it before the notice was published. Background is in our Gnosis Pay countries and shutdown guide.
What happens and when
Dates below come from Gnosis Pay's formal notice and its What stops and what continues page, checked on October 1, 2026.
| Date | What changes |
|---|---|
| 2026-09-21 | Gnosis Pay sends cardholders its formal notice that the consumer card and web app will end. |
| 2026-09-30, 23:59 UTC | GNO cashback ended: last transactions eligible (they also had to settle by October 5). |
| 2026-10-07 | Final GNO cashback distribution (scheduled). Cashback queries are accepted until 2026-10-30. |
| 2026-12-20, 23:59 UTC | All Gnosis Pay cards, physical and virtual, stop working; the web app closes except its withdrawal page. Replacement cards can be ordered until this date. |
| After 2026-12-20 | Funds in your Safe stay yours with no withdrawal deadline, through app.gnosispay.com/withdraw or any Safe-compatible wallet. General support ends 2027-06-18; help with refunds, disputes and chargebacks continues until 2028-06-12. |
What to do before December 20, 2026
- Get the replacement approved first. KYC and card issuance can take several days, and providers turn applicants away by residence or citizenship. Make a small test purchase with the new card before moving most of your balance.
- Move recurring payments. List every subscription, utility and online account that charges the Gnosis Pay card and change the card on file. Charges that arrive after December 20, 2026 will be declined.
- Save your records. Export or screenshot your transaction history and statements while the full web app still works; you may need them for a tax return or a dispute. Note the final cashback payment scheduled for 2026-10-07.
- Plan the route for your funds. Gnosis Pay balances sit on Gnosis Chain in currency tokens such as EURe. The MetaMask Card and Tria funding pages we checked do not list Gnosis Chain, so expect a bridge or swap, or an off-ramp to your bank account first. Send a small test amount before the full balance.
- Keep access to your Safe. Gnosis Pay says there is no deadline for withdrawing funds from the Safe, but you still need the wallet that owns it. Sign in with that wallet now, check its recovery phrase is stored safely, and do not delete it until the Safe is empty.
- Check what pays into your IBAN. Gnosis Pay says a EUR IBAN keeps working after the card stops, because it is provided by Monerium and linked to your wallet rather than the card. Incoming transfers keep landing in that wallet, so redirect salary or regular payments if you will stop using it.
- Consider the official migration route. Gnosis Pay's partner-app guide recommends Rebind for EUR cards (account, IBAN and card carry over without new ID checks), Picnic in Brazil or MiniPay elsewhere for USD cards (MiniPay needs a new account), and says a GBP option is still in progress. Zeal asks users to move assets by December 1, 2026, separately from the December 20 card-service wind-down; its app shutdown date is not set yet. We have not reviewed these partner cards, so compare them against the options below like any other card.
Replacement options at a glance
Checked on each provider's official help or terms pages: MetaMask Card, ether.fi Cash, Bleap and Holyheld on October 1, 2026; KAST, RedotPay and Tria on September 25 and 26, 2026. “Not published” means we could not find an official statement, not that the card is unavailable.
| Card | Custody | Who can apply (EEA / UK) | Card cost | Cashback | Spending fees | Top-up |
|---|---|---|---|---|---|---|
| MetaMask Card | Self-custodial: spends from tokens you designate in your MetaMask wallet | Listed EEA countries plus Switzerland; not listed: Czech Republic, Estonia, Latvia, Lithuania. UK: listed (checked 2026-11-02) | Virtual card free (Metal orders paused since 2026-06-02; not available to new users) | 1% in mUSD on the virtual card | 0% with a local-currency stablecoin (e.g. EURe for euro residents); 0.5% for a stablecoin in neither your nor the merchant's currency; 1% cross-border; no ATM on virtual cards outside the US | Tokens on Linea, Solana, Base or Monad |
| ether.fi Cash | Non-custodial vault; a credit card with Direct Pay or Borrow Mode | UK and most of the EEA; Belgium and Ireland virtual card only; Estonia, Finland and the Netherlands not listed | Core membership free; Luxe USD 199/yr, Pinnacle USD 999/yr | Core: 3% on the first USD 2,000 a month, then 1% and 0.5%; euro purchases 3% on the first USD 800 equivalent; paid in ETHFI | No FX markup on euro purchases; other currencies about 1% base rate plus up to 0.5% for Core; USD-denominated card | USDC or LiquidUSD in the vault (Direct Pay) |
| Bleap | Non-custodial wallet with a direct-debit mandate | EEA and Switzerland (18+, KYC, nationality exclusions). UK not stated | No Bleap issuance, monthly or usage fee | “Up to 20%” in USDC by category and offer; no universal rate published | No Bleap FX markup; Mastercard network rate and ATM operator fees can apply | Crypto or bank transfer into the Bleap wallet |
| Holyheld | Card spending inside an invitation-only personal membership | Not published on holyheld.com as of 2026-10-01 | Membership CHF 0/yr, by invitation | Not published | EUR 1 per outgoing SEPA transfer; 1% on-ramp and off-ramp | Stablecoins or bank transfer |
| KAST (partner) | Custodial: deposited assets are sold to KAST and held by a custodian on KAST's behalf | No public country list; check the sign-up dropdown. KAST's Apple Pay page lists the UK and all EEA countries | Standard USD 0/yr; physical card USD 0 + USD 40 delivery | 1.5% in USD on the first USD 2,000 a month (Standard) | 0.5–1.75% FX on non-USD spending, euro and pound purchases included; USD 0.10 on non-USD payments under USD 25; ATM USD 3 + 2% | Supported stablecoins, converted 1:1 into a USD balance |
| RedotPay (partner) | Custodial account for card spending (a separate self-custody wallet is also offered) | No positive list. The card issuance list includes Croatia and Slovenia (residents cannot get a card); they were removed from the citizenship (KYC) list on November 2, 2026. UK not listed | Virtual USD 10, physical USD 100 (one-time) | Through the paid Pro plan (3% on Apple Pay / Google Pay, capped) | 0% in the card currency; 1.2% in other currencies; 1% crypto conversion; ATM 2% | Crypto deposits into your RedotPay balance |
| Tria (partner) | Self-custodial wallet; top-ups become a separate card balance handled by the card issuer | Help centre names Germany and the UK among supported countries; full list only in the app | Lite (formerly Virtual) USD 20 a year since September 26, 2026; Pro USD 109, Max USD 250 in the card terms | Lite: 1.5% on the first USD 1,000 a month, then 0.5% | No Tria deposit or FX fee; Visa FX and a variable provider fee on top-ups can apply | From Tria or an external wallet on Bitcoin, Ethereum, Polygon, Base, Arbitrum, Optimism, BSC, Aptos or Solana (min. USD 10) |
Wallet-linked and non-custodial cards
These are not affiliate partners of this site. Links go to the providers' official pages without referral codes.
MetaMask Card
The closest match for most Gnosis Pay users in the EEA: you designate tokens in your own MetaMask wallet and set a spending limit, and the card converts them at the moment of payment. The eligible list on MetaMask’s help centre covers most EEA countries plus Switzerland, but not the Czech Republic, Estonia, Latvia or Lithuania. MetaMask says it has temporarily paused new sign-ups in the United States; existing cardholders are not affected. As of November 2, 2026, the United Kingdom is on both official country lists. The virtual card has no annual fee and earns 1% in mUSD. Per the fee table, spending a stablecoin in your local currency (EURe for euro residents, GBPe for UK residents) costs nothing, a stablecoin in another currency costs 0.5%, and using the card with a merchant outside your country costs 1%. Virtual card users outside the US cannot withdraw cash. Details: MetaMask Card countries and fees.
ether.fi Cash
The strongest cashback on this list, with a catch: ether.fi calls Cash a crypto-native credit card. In Direct Pay mode it spends USDC or LiquidUSD from your vault; Borrow Mode spends against collateral and charges interest from day one. The country list includes the United Kingdom and most EEA states; Belgium and Ireland get a virtual card only, and Estonia, Finland and the Netherlands are not listed. Core membership is free. Core earns 3% on the first USD 2,000 of monthly spending, then 1% and 0.5%; euro purchases use a lower ladder (3% on the first USD 800 equivalent) because ether.fi adds no FX markup on euro purchases. Cashback is paid in ETHFI, a volatile token, after a 7-day lock. Details: ether.fi Cash review.
Bleap
A non-custodial Mastercard debit card issued by Unlimit EU Ltd in Cyprus. Per the EEA cardholder terms (updated May 25, 2026), it is open to adults resident in the EEA or Switzerland, subject to KYC and a list of excluded nationalities; the UK is not mentioned. The card debits your Bleap wallet through a direct-debit mandate. Bleap charges no issuance, monthly, usage or FX fee of its own, though Mastercard, network, merchant and ATM operator charges can apply. The advertised “up to 20%” USDC cashback depends on category and offer, so check the in-app terms before counting on it. Details: non-custodial cards compared.
Holyheld
Our July 2026 comparison listed Holyheld's public card tiers and a 30-country list. As of October 1, 2026, holyheld.com instead presents a personal membership “by invitation” that includes card spending, priced at CHF 0 a year on its pricing page, with EUR 1 per outgoing SEPA transfer and 1% for on- and off-ramping. It no longer publishes card tiers, card fees or a country list, so we cannot confirm who can get a card. Treat it as an option only if you receive an invitation.
These three pay this site a commission when you open an account through the buttons below. That does not change the facts in the table; note that two of them hold your funds for you, which is the opposite of what Gnosis Pay offered.
KAST
KAST keeps your money as a US-dollar balance: supported stablecoins are converted 1:1 when deposited. Its terms of service state that assets transferred into KAST are sold to KAST and held by a custodian on KAST's behalf, not for the user, and name KAST Tech, incorporated in Anjouan, Comoros, as the operator. KAST does not publish a country list; its help centre says the sign-up dropdown is the check. Its Apple Pay availability page (updated September 10, 2026) lists the UK and every EEA country as residence countries where Apple Pay works for KAST cards, which suggests accounts exist there, but it is not an eligibility statement. The Standard tier is free and pays 1.5% in USD on the first USD 2,000 a month; non-USD spending carries a 0.5–1.75% FX fee per the fee page, which KAST itself shows as an “up to 1%” net effect for Standard. Details: KAST fees.
RedotPay
RedotPay is a custodial card account with a USD card. Its unsupported-countries list blocks KYC for citizens of listed countries; Croatia and Slovenia were removed from it on November 2, 2026, but the card issuance restrictions (updated August 28, 2026) still include them, the only EEA members on it, so residents of those two countries still cannot get a RedotPay card. The UK is on neither list, but RedotPay publishes no list of supported countries, so its absence is not a confirmation. Cards cost USD 10 (virtual) or USD 100 (physical), once. Spending in the card currency is free; other currencies cost 1.2%, crypto conversion 1% and ATM withdrawals 2%. Cashback is offered through the paid Pro plan. Details: RedotPay fees and ATM limit.
Tria
Tria sits between the two models. Its wallet is self-custodial and its International Card Terms say neither Tria nor the issuer holds custody of your collateral, but a top-up converts crypto into a card balance that is separate from the wallet. Its KYC help article names Germany and the United Kingdom among supported countries and points to the in-app dropdown for the full list; we could not verify other EEA countries from official pages. Under Tria's membership update of September 26, 2026, the former Virtual card is now Lite at USD 20 a year (the free offer has ended) and earns 1.5% on the first USD 1,000 of eligible spend a month, then 0.5%. Tria charges no deposit or FX fee of its own, but Visa FX and a variable provider fee on top-ups can apply. Details: Tria fees.
The “Open” buttons are affiliate links; we may earn a commission at no cost to you. MetaMask Card, ether.fi Cash, Bleap and Holyheld are not partners. The KAST, RedotPay and Tria figures in this box were checked on October 13, 2026 on each provider's official pages.
How to choose: custody, currency, cashback
- You chose Gnosis Pay for self-custody. MetaMask Card or Bleap, if your country is on their list. Neither card holds a balance for you. ether.fi Cash also keeps assets in your vault, but read the Borrow Mode rules first.
- You spend mostly in euros or pounds. Prefer cards that do not convert through US dollars: MetaMask Card with EURe or GBPe (0% token fee), Bleap (no Bleap FX markup) or ether.fi Cash (no markup on euro purchases). KAST (0.5–1.75%) and RedotPay (1.2%) charge FX on every euro purchase, which eats most or all of KAST's 1.5% cashback.
- Cashback matters most. ether.fi Cash Core pays 3% on the first USD 2,000 a month, but in ETHFI and less on euro purchases. Tria Lite pays 1.5% on the first USD 1,000 a month (USD 20 a year), KAST 1.5% on up to USD 2,000 of spending, MetaMask 1% in mUSD.
- You need cash from ATMs. MetaMask's virtual card has no ATM access outside the US. ether.fi Cash, KAST and RedotPay's physical card allow ATM withdrawals with fees; Bleap adds no fee of its own, but operators can.
- You live in the UK. Choices are narrower: ether.fi Cash lists the UK and Tria names it. RedotPay does not restrict it but publishes no positive list, and KAST publishes no list. MetaMask Card lists the UK (checked November 2, 2026), and Bleap covers only the EEA and Switzerland.
FAQ
What is the deadline for moving assets out of Zeal?
Zeal asks users to move their assets by December 1, 2026. This is a separate, earlier deadline than the previously announced December 20 card-service wind-down; the app shutdown date is not set yet. Moving to ether.fi is optional. Your Zeal account, keys and funds do not transfer automatically: create an ether.fi account and confirm each transfer. The Visa card requires identity verification and is subject to regional eligibility and other restrictions. For the in-app ether.fi route, review and confirm the card-balance, Earn and token transfers individually. If sending to another wallet or cashing out instead, withdraw card and Earn balances first. Check accepted assets, networks, addresses and fees before any transfer.
When does the Gnosis Pay card stop working?
At 23:59 UTC on December 20, 2026. Gnosis Pay's formal notice, dated September 21, 2026 and published in full on its help center, says every Gnosis Pay card, physical and virtual, stops at that moment and the web app closes except for withdrawals. CoinDesk and CryptoBriefing had reported the date before the notice was published.
Will I lose funds left in my Gnosis Pay Safe after December 20, 2026?
No. Gnosis Pay says the Safe is self-custodial, the assets in it remain yours and there is no deadline on withdrawing them; the withdrawal page at app.gnosispay.com/withdraw stays open, and any Safe-compatible wallet can reach the Safe. Moving funds before the date is still simpler, and you need to keep access to the wallet that owns the Safe.
Which card is the closest replacement for Gnosis Pay?
For a card that spends directly from a wallet you control, MetaMask Card and Bleap are the closest, if your country is eligible. MetaMask Card's EEA list leaves out the Czech Republic, Estonia, Latvia and Lithuania, and its country list also includes the UK (checked November 2, 2026); Bleap is limited to the EEA and Switzerland.
What are the options for UK residents?
ether.fi Cash lists the United Kingdom, and Tria's help centre names it among supported countries. RedotPay's restriction lists do not include the UK, and KAST does not publish a country list. MetaMask Card lists the UK on both its card page and help centre (checked November 2, 2026), and Bleap's terms cover only the EEA and Switzerland.
Why do KAST and RedotPay cost more for euro spending?
Both keep your balance in US dollars, so paying in euros or pounds is a currency conversion. KAST lists a 0.5–1.75% FX fee on non-USD spending and RedotPay 1.2% for transactions outside the card currency. Cards that spend euro stablecoins or add no FX markup avoid this cost.
Does this site earn money from these recommendations?
Yes, from KAST, RedotPay and Tria through the buttons marked as affiliate links. MetaMask Card, ether.fi Cash, Bleap and Holyheld are not partners and are linked to their official pages without referral codes.
Sources
The December 20, 2026 date and the other Gnosis Pay dates come from Gnosis Pay's formal notice and help center, checked on October 1, 2026; the two news reports we cited earlier are kept for reference. Figures for MetaMask Card, ether.fi Cash, Bleap and Holyheld were re-checked on October 1, 2026; KAST, RedotPay and Tria figures come from their official pages checked on September 25 and 26, 2026. Terms change by country and account; confirm in the app before you apply or move funds.