Understanding Your Card's Fees and Limits
This guide outlines the fees, transaction limits, and spending rules associated with your Gnosis Pay Card. It covers purchases, withdrawals, FX rates, card replacements, and the difference between card fees and blockchain gas fees.
To make your experience predictable and fair, Gnosis Pay keeps its fees transparent and its limits clearly defined.
This article breaks down everything you need to know about card usage - from spending and withdrawals to replacements and FX charges.
Daily Purchase Fees (In-Store & Online)
No transaction fees when spending with your card
1:1 stablecoin usage — a €10 purchase = 10 EURe (or equivalent)
Applies to both online and in-person purchases
Foreign Exchange (FX) Fees
No added fees from Gnosis Pay for currency conversions
Visa’s exchange rate is applied automatically at the time of purchase
Pro Tip:
When travelling, always select the local currency at payment terminals for better rates.
Card Issuance & Replacement Fees
FEE TYPE | COST | DETAILS |
|---|---|---|
Card Order | FREE | FREE shipping of your physical card |
Card Replacement | 4.99 EURe/GBPe/USDCe | Fee for lost/stolen cards, includes replacement shipping |
ATM Withdrawal Fees & Limits
Limit Type | Maximum |
|---|---|
Daily Withdrawal Limit | 500 EURe/GBPe/USDCe |
Single Withdrawal Limit | 250 EURe/GBPe/USDCe |
ATM Fair Usage Policy
You can make up to 5 free ATM withdrawals per month or withdraw up to 200 EURe/GBPe/USDCe—whichever comes first
After allowance is exceeded: 2% fee per additional withdrawal
Daily Spending Limits
These apply to both online and in-store transactions.
Daily limit runs on a rolling 24 hour period and does not reset at 00:00
Limit Type | Maximum |
|---|---|
Daily Spending Limit | 8,000 EURe/GBPe/USDCe |
Single Transaction Limit | 5,000 EURe/GBPe/USDCe |
Contactless "Tap-to-Pay" | country dependent (physical card only) |
Mobile Wallet Note:
The contactless limit applies only to physical cards and can vary. If a transaction prompts you just type in your pin. Apple Pay and Google Pay transactions are not subject to this limit.
A Note on Gas Fees
No gas fees for Gnosis Pay card transactions
Gas fees apply only to on-chain crypto transfers (e.g., sending funds from your Safe to another wallet)