See Gnosis Pay alternatives: which card to switch to before December 20, 2026 for a checklist covering funds, statements and recurring payments, and seven replacement cards compared for EEA and UK residents.
Gnosis Pay is ending its consumer card. Its formal notice, dated September 21, 2026 and published in full on the Gnosis Pay help center, says every Gnosis Pay card (physical and virtual) stops working at 23:59 UTC on December 20, 2026, and the web app closes at the same moment for everything except withdrawals. Funds in your Safe stay yours, with no deadline on withdrawing them. Eligibility for the tiered GNO cashback (up to 5%) ended at 23:59 UTC on September 30, 2026, and the final distribution is scheduled for October 7, 2026.
Before the shutdown, the eligible-country page listed Germany, France and many European countries (French Foreign Territories excluded) and kept Japan under Countries Coming Soon. That page was removed when the help center was relaunched as "Gnosis Pay (legacy)"; on October 1, 2026 it returned a 404. New cards are now signed up for through partner apps (Rebind, Greencart, MiniPay, Picnic), each under its own terms.
Official checks
For an existing cardholder the checks are now about leaving cleanly: confirm you can open the wallet that owns your Safe, export your card transaction history, list recurring payments, and decide whether to move to a partner app or simply withdraw.
Availability
Gnosis Pay issued cards by legal residency, not nationality or travel destination. As of the September 25, 2026 check, the eligible-country page listed 37 countries, mostly in Europe and Latin America, with Japan, the US, Canada and Australia under Countries Coming Soon. That page no longer exists. Gnosis Pay no longer presents a direct consumer sign-up: its partner-apps page says new cards are signed up for, and existing ones managed, through partner apps, each with its own eligibility rules. Gnosis Pay cards remain usable at Visa merchants outside restricted countries until December 20, 2026.
Shutdown timeline: what stops and when
Gnosis Pay's formal notice (dated September 21, 2026, sent to all cardholders and published on the help center) and its What stops and what continues page give these dates. Earlier versions of this page cited CoinDesk and CryptoBriefing because no public notice existed on September 25; the official notice now confirms the reported date.
| Date | What happens |
|---|---|
| September 30, 2026, 23:59 UTC | Last transactions eligible for GNO cashback (they also had to settle by October 5) |
| October 7, 2026 | Final cashback distribution (scheduled) |
| October 30, 2026 | Last day to ask support to check a cashback payout |
| December 20, 2026, 23:59 UTC | All Gnosis Pay cards stop working; the web app closes except the withdrawal page (app.gnosispay.com/withdraw); replacement cards can be ordered until this date |
| June 18, 2027 | General cardholder support ends |
| June 12, 2028 | Support for refunds, disputes and chargebacks ends |
Moving to a partner app is optional. Gnosis Pay 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 being worked on. Zeal asks users to move assets by December 1, 2026; the app shutdown date is not set yet. A EUR IBAN provided by Monerium keeps working after the card stops.
Before 20 December 2026: what cardholders miss
Gnosis Pay's help pages, re-checked on 2026-10-19, make the route depend on the currency of your card and on how you signed up. Find your row first, then work through the checks below in order.
- Export your history while the web app still shows it. From 20 December the web app keeps only the withdrawal page: you can no longer view transaction history, card details or your PIN, set limits or freeze the card. Download the export before 20 December and keep it with the card's last four digits and expiry date.
- List every subscription yourself. The formal notice says Gnosis Pay and Monavate cannot move recurring payments to another card; each merchant must be updated directly. Saved card details in a digital wallet also stop working at 23:59 UTC.
- Expect refunds to need a support request. A merchant refund that arrives after the card is deactivated cannot be spent on the card. Keep receipts and the merchant's refund confirmation, and contact support; refund and dispute help runs until 12 June 2028.
- Do not plan to empty the Safe at an ATM. The fees page lists a single ATM withdrawal limit of 250 and a daily limit of 500 (EURe, GBPe or USDCe), with 5 free withdrawals or 200 a month, whichever comes first, then 2%. Withdrawing from the Safe on-chain has no deadline, and only network gas applies.
- Zeal users first. Move Zeal assets by December 1, 2026, as requested by Zeal; do not wait for the December 20 card wind-down. Gnosis Pay asks Zeal users to add a wallet they control as a second Safe owner while the Zeal app still works; until then every transaction must be signed inside Zeal.
- Use only the official migration links. Gnosis Pay names rebind.co/gnosis-pay and rebind.co/zeal as the only Rebind migration routes and warns that nobody from Gnosis Pay or Rebind will ask for a seed phrase.
Records to keep after the switch: the formal notice, the transaction export, the Safe owner address, the new partner terms you accepted, and the date each subscription was moved.
Fees and rewards
Gnosis Pay's fees and limits page, still published "for reference", lists no transaction fee, 1:1 stablecoin spending, Visa's exchange rate without a Gnosis Pay markup, a free card order and a 4.99 replacement fee. ATM use is free up to 5 withdrawals or 200 units a month (whichever comes first), then 2%, with a 250 single and 500 daily ATM limit. The tiered GNO cashback (up to 5% with 100+ GNO and an OG NFT) ended on September 30, 2026; Gnosis Pay says any later cashback comes from the partner app you join, on its own terms.
| Check | Official meaning | Reader action |
|---|---|---|
| Consumer service | Card and web app stop 2026-12-20 23:59 UTC (formal notice of 2026-09-21) | Move to a partner app or withdraw before then |
| Residency | Eligible-country page removed; new cards go through partner apps | New users: check a partner app's own terms |
| Funds | Safe is self-custodial; no withdrawal deadline | Confirm you control the owner wallet |
| Usage restrictions | Sanctioned or restricted countries can block transactions | Check before travel |
| Rewards | GNO cashback ended 2026-09-30; final distribution scheduled for 2026-10-07 | Check the final payout; raise issues by 2026-10-30 |
Decision path
For a current cardholder the path is about leaving cleanly, not applying.
Sign in with the wallet that owns your Safe and secure its recovery phrase.
Download card transactions and list subscriptions billed to the card.
Join a partner app or withdraw before December 20, 2026.
Evidence to save
- A copy of the formal notice of September 21, 2026 (card and web app stop 2026-12-20).
- Your card transaction export, plus the card's last four digits and expiry date for later refunds or disputes.
- The wallet address that owns your Safe and proof you can sign with it.
- The list of subscriptions and recurring payments you moved to another card.
- The final GNO cashback distribution (scheduled for 2026-10-07) and any query raised by 2026-10-30.
The partner apps are the routes Gnosis Pay itself recommends. If you instead want a card that is not tied to a Safe on Gnosis Chain, the main difference to check is currency: Gnosis Pay spent EURe or GBPe 1:1 with Visa's exchange rate and no Gnosis Pay FX fee, while the cards below generally charge a conversion fee when you pay in a currency other than the card's own, so check that row first.
- KAST: USD balance; spending in euros or pounds adds a 0.5–1.75% FX fee, and the free Standard tier earns 1.5% on up to $2,000 of eligible spend a month. Review
- RedotPay: a virtual card costs 10 USD and a physical card 100 USD; spending in a currency other than the card currency costs 1.2%. Review
- Tria: the Lite card costs 20 USD a year with 1.5% back on the first 1,000 USD of eligible monthly spend, then 0.5%. Review
Worked example for a euro spender: 500 euros of card spending a month on KAST's USD balance at the top 1.75% FX rate costs about 8.75 euros a month (2.50 euros at 0.5%), against no Gnosis Pay FX fee before. The Gnosis Pay alternatives guide compares seven cards for EEA and UK residents in more detail.
The three Open buttons are affiliate links and we may earn a commission. The Gnosis Pay partner apps above are not affiliate links. Figures re-checked on each issuer's official pages in October 2026.
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.
Is Gnosis Pay available in Germany and France?
Only until the shutdown. Before it, the eligible-country page listed Germany and France (excluding French Foreign Territories), but that page was removed and Gnosis Pay now points new users to partner apps. Existing German and French cards work until 23:59 UTC on December 20, 2026.
Is Japan supported?
No. Japan was listed under Countries Coming Soon at the 2026-09-25 check and was never added. Gnosis Pay has since published its notice ending the consumer card on 2026-12-20, so waiting for Japan support has no payoff.
Is Gnosis Pay shutting down the consumer card?
Yes. Gnosis Pay's formal notice, dated 2026-09-21 and published in full on its help center, says the Gnosis Pay card and web app stop at 23:59 UTC on 2026-12-20. Gnosis Pay says it is ending consumer-facing services to focus on card programmes for partner wallets, fintechs and neobanks.
What happens to cards and funds after the shutdown date?
After 2026-12-20 23:59 UTC, physical and virtual cards decline all payments and ATM withdrawals, and the web app keeps only its withdrawal page. Funds in the self-custodial Safe stay yours with no withdrawal deadline. General support ends on 2027-06-18; help with refunds, disputes and chargebacks continues until 2028-06-12.
Which partner app should I move to?
It depends on the card currency. Gnosis Pay recommends Rebind for EUR cards, where the account, IBAN and card carry over without new ID checks. For USD cards it recommends Picnic in Brazil and MiniPay elsewhere, where MiniPay needs a new account. For GBP cards no partner app had been named when we checked on 2026-10-19.
What happens to a refund that arrives after December 20, 2026?
It cannot be used for a card transaction because the card is deactivated. The formal notice asks you to contact support and keep the receipt and the merchant's refund confirmation; help with refunds, disputes and chargebacks continues until 2028-06-12.
Is the up to 5% GNO cashback still running?
No. The tiered GNO cashback (up to 5%, based on GNO holdings) covered transactions until 23:59 UTC on 2026-09-30. The final distribution was scheduled for 2026-10-07, and cashback queries must reach support by 2026-10-30. Any later rewards come from the partner app you join.
Official sources
Gnosis Pay help pages re-checked on October 19, 2026. The shutdown dates come from Gnosis Pay's own notice; the two news reports we cited earlier are kept for reference.