Gnosis Pay Wind-Down: What to Switch To

Shutdown timeline

Newest event first. Each entry comes from this card’s change log or from verified official material; where several share a date, the one written as an event comes first.

1. 2026-12-20Service Termination

   Consumer card and web app confirmed to stop working at 23:59 UTC on 2026-12-20

   Official materials confirm that the consumer card and the web app both stop working at 23:59 UTC on 2026-12-20, matching the termination date given in the earlier notice. After that date Gnosis Pay's consumer-facing service is no longer available, and how service continues depends on whether the account can be migrated to a partner app.

2. 2026-12-20Residence eligibility

   No valid, current country list for the personal card could be verified. An older official list marked South Africa as coming soon, not supported. Consumer card service has been announced to end on 2026-12-20 at 23:59 UTC.

3. 2026-12-20Service end time

   The official notice says the consumer card and web app, except for withdrawals, will stop working on 2026-12-20 at 23:59 UTC. Handle the card, subscription payments and account migration before then.

4. 2026-10-13Migration Path

   Migration confirmed as EUR-only, and as a new contract rather than a renewal of the original agreement

   The official help centre states that only EUR accounts can migrate to a partner app: EUR accounts move to Rebind, while USD and GBP accounts are outside the migration scope — USD is pointed to Picnic / MiniPay instead, and GBP is said to still be worked on — so being migratable does not mean every Gnosis Pay user can move across. The termination notice states that joining a partner programme "does not constitute a continuation or variation of the existing contractual arrangements with Gnosis Pay and Monavate"; Rebind's terms also state that its card is still issued by Gnosis Pay, so the underlying issuer is unchanged, but what is formed between the user and Rebind is a new contract.

5. 2026-09-30Winddown and closure

   Ceased replacement card issuance, consumer spending terminating December 20

   Official winddown notice: new registrations closed Sept 4, new card issuance and GNO cashback halted Sept 30; consumer debit card spending terminates Dec 20, 2026 23:59 UTC as platform pivots to B2B infrastructure; user Safe smart contract funds remain unaffected and withdrawable anytime.

6. 2026-08-30Regional Adjustment

   Brazil local service exit transition

   Official notice adjusting Latin America local operations; European self-custodial Visa cards remain normal.

7. 2026-05-10Zero Slippage

   European mainnet launched direct Monerium EURe debits

   Introduced compliant on-chain euro token EURe, enabling European cardholders to spend in euros with 1:1 zero-slippage settlement.

Who is affected

These fields carry the card’s last published wording, to help you work out which category your account falls into. They do not mean these conditions are still open to new applicants.

Application regions

New registrations and IBAN applications are closed; there is no current list of regions where a personal card can be newly requested. The consumer-card program ends at 23:59 UTC on December 20, 2026.

Identity verification

Personal-card applications historically required identity and residence checks. New registrations are closed; existing users should follow Gnosis Pay’s notice.

Funding route

Visa payment card linked to a Safe smart account (exit announced)

Fee wording

A current, verifiable public fee schedule for personal cards is unavailable. Before service ends, applicable fees are those shown in the account terms.

Reward wording

The final eligible GNO cashback transaction must occur by 23:59 UTC on September 30, 2026 (07:59 on October 1 in Malaysia). It must settle by October 5, with final distribution on October 7. Partner apps determine any later rewards.

The fee and reward fields preserve the card’s last published wording and do not mean those terms still apply. Current availability follows the official sources and verification date listed on the profile.

Comparable replacement cards

Replacement cards come from this site’s card directory, with closed and winding-down products excluded. The same funding route is preferred first, then cards a mainland China reader can apply for.

Replacements are listed in this site’s selection order; this is not a ranking or a recommendation. Each card’s fees, eligibility and rewards follow the official sources on its own profile. Confirm regional eligibility before comparing fees.

What to do next

Deadlines the issuer has given

• 2026-12-20 — The official notice says the consumer card and web app, except for withdrawals, will stop working on 2026-12-20 at 23:59 UTC. Handle the card, subscription payments and account migration before then.

This site’s general checklist

The following is not an instruction from the issuer. It is this site’s general advice for any card being retired.

1. Stop topping up the card or its account, so the balance does not sit with a party that has stopped operating.
2. Move the balance back to a wallet or account you control before the service ends; the withdrawal route usually closes before the card itself does.
3. Go through every recurring charge tied to this card, especially AI and streaming subscriptions, and move them to the new card before cancelling the old one.
4. Keep the shutdown notice, withdrawal records and ticket numbers as evidence for any later claim or appeal.
5. Pick a backup card on a different network or from a different issuer, so a single channel failure does not take both down at once.