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.
The official eligible-country page lists Germany, France and many European countries as current supported countries of residency. Japan appears under Countries Coming Soon. France has a specific note: residents of French Foreign Territories are not served at this time.
Separately, reports say Gnosis Pay is discontinuing the direct-to-consumer card and web app on 2026-12-20 at 23:59 UTC. Per CoinDesk and CryptoBriefing, Gnosis Pay emailed cardholders on 2026-09-21 with this notice; as of 2026-09-25 we could not find a permanent public page from Gnosis Pay confirming it, so treat this as reported rather than officially confirmed. Consistent with the reports, gnosispay.com currently presents only B2B card-program infrastructure ("Book a demo," "View API docs"), not a consumer sign-up page. The tiered GNO cashback programme (up to 5%) separately has eligibility ending 2026-09-30, with final distribution 2026-10-07.
Official checks
Check eligible residency country, restricted usage countries, KYC, Safe Smart Account setup, Apple Pay availability, GNO cashback row and the transaction route before relying on the card.
Availability
Gnosis Pay availability depends on legal residency, not only nationality or travel destination. The card can be used at Visa merchants where card usage is not restricted, but issuance and usage restrictions are separate checks.
Reported: consumer card and web app stop on 2026-12-20
Per reporting from CoinDesk and CryptoBriefing, Gnosis Pay emailed cardholders on 2026-09-21 to say the direct-to-consumer card and web app will stop working on 2026-12-20 at 23:59 UTC. This notice was sent by email; as of 2026-09-25 we could not locate a permanent public confirmation page on gnosispay.com, so this section reflects the reported notice, not a verified official page, and we will update it once a primary source is available.
According to the reports: after the deadline, cards will not process payments or ATM withdrawals. The web app stays available in a limited mode so users can withdraw remaining funds. Because the card draws on a self-custodial Safe rather than a custodial balance, funds inside the Safe itself have no reported withdrawal deadline tied to the shutdown notice. Partner apps, including MiniPay, are cited as handling migration for existing cardholders. Separately, gnosispay.com's own site currently reads as a B2B card-infrastructure pitch rather than a consumer product page, which is consistent with the reported shift.
Fees and rewards
The product page advertises Apple Pay, up to 5% cashback paid in GNO and a self-custodial Visa debit model. It also advertises paying directly from a blockchain address without transaction, gas, FX or off-ramping fees, with Monerium powering the model. The tiered cashback programme's eligibility window ends 2026-09-30, with the final distribution on 2026-10-07; no successor terms had been published as of 2026-09-25. Verify the live terms before spending.
| Check | Official meaning | Reader action |
|---|---|---|
| Residency | Germany and France are listed as supported; Japan is coming soon | Check the current country page before applying |
| Consumer service | Card and web app reported to stop 2026-12-20 (per CoinDesk/CryptoBriefing, no public official page) | Track for an official confirmation page |
| France note | French Foreign Territories are not served | French residents should confirm address eligibility |
| Usage restrictions | Sanctioned or restricted countries can block transactions | Check before travel |
| Rewards | Up to 5% cashback paid in GNO; eligibility ends 2026-09-30, final payout 2026-10-07 | Save the tier, NFT boost and weekly reward entry |
Decision path
Use these checks before applying, funding, paying for a subscription, or making the first card transaction.
Confirm your legal-residency country and any regional note.
Verify Safe, KYC, Apple Pay and card status.
Record merchant, GNO cashback, account movement and weekly reward.
Evidence to save
- The reported 2026-12-20 shutdown notice (CoinDesk, CryptoBriefing) and any official confirmation page if one appears.
- Eligible-country row and any regional note.
- KYC, Safe Smart Account, card order and Apple Pay status.
- Restricted-country check before travel.
- GNO cashback rate, the 2026-09-30 eligibility end date, OG NFT boost if relevant, and weekly reward entry.
Gnosis Pay has told cardholders its consumer card and web app stop on December 20, 2026 (as reported), so current users need a replacement.
If this card is not available where you live, or you want a card funded directly with stablecoins, these are the cards this site reviews in detail. Availability depends on your country of residence, so check eligibility in each app before applying.
- KAST — the Standard tier is free and earns 1.5% USD cashback on up to $2,000 of eligible spend a month; non-USD spending has a 0.5–1.75% FX fee. Review
- RedotPay — virtual card 10 USD, physical card 100 USD; spending in the card currency is free, other currencies 1.2%; works with Apple Pay and Google Pay. Review
- Tria — the Virtual card is shown as free on tria.so and in the app, with 1.5% cashback up to $100 a month. Review
The "Open" buttons are affiliate links; we may earn a commission at no cost to you. Figures checked on September 25, 2026 on each issuer's official pages.
FAQ
Is Gnosis Pay available in Germany and France?
The official page lists Germany and France as current supported countries of residency, with a note excluding French Foreign Territories.
Is Japan supported?
No. Japan is listed under Countries Coming Soon as of the 2026-09-25 check, and reports say the direct-to-consumer card is being discontinued before any new countries are added, so waiting for Japan support no longer has a clear payoff.
Is Gnosis Pay shutting down the consumer card?
Reports (CoinDesk, CryptoBriefing) say Gnosis Pay notified cardholders by email on 2026-09-21 that the direct-to-consumer card and web app will stop working on 2026-12-20 at 23:59 UTC. As of 2026-09-25 there is no permanent public page from Gnosis Pay confirming this, only the emailed notice cited by these reports, so we present it as reported rather than officially confirmed. Consistent with this, gnosispay.com now presents only B2B card-program infrastructure, not a consumer product page.
What happens to cards and funds after the shutdown date?
Per the reports, cards stop processing payments and ATM withdrawals after 2026-12-20 23:59 UTC, and the web app continues in a limited mode for withdrawing remaining funds. Because the card is self-custodial and funds sit in the user's own Safe, there is no reported withdrawal deadline for the underlying assets themselves. Partner apps such as MiniPay are cited as handling migration for existing users.
Is the up to 5% GNO cashback still running?
The tiered GNO cashback programme (up to 5%, based on GNO holdings) has eligibility ending 2026-09-30, with the final distribution on 2026-10-07. No successor programme terms had been published as of 2026-09-25.
Where can the card be used?
The card is for Visa merchant acceptance, but usage is prohibited in listed restricted countries and regions.
Official sources
Terms can change by country, issuer, app version and account status. Reopen the official page and the live app screen before applying or spending. The 2026-12-20 shutdown is reported by the two news sources below; no Gnosis Pay page confirming it was found as of 2026-09-25.