Gnosis Pay to shut down consumer cards on Dec. 20 in shift to partner programs

Gnosis Pay sets a December cutoff for its consumer cards

Gnosis Pay will retire its consumer cards and close most of its web app on Dec. 20, 2026, according to a formal notice the company says it sent to all cardholders on Sept. 21.

The exact cutoff is 6:59 p.m. ET on Dec. 20. Both physical and virtual cards will stop approving transactions at that point, even if a user has already moved to a partner app.

Users who want to keep spending through Gnosis Pay's infrastructure must join a partner card program and get a replacement card.

What cardholders should know before Dec. 20

• Cards stop working at 6:59 p.m. ET on Dec. 20, 2026, whether or not the user has moved to a partner app.
• Money stays in users' Gnosis Pay Safes, which are self-custodial smart contract accounts on Gnosis Chain, meaning the user controls the account rather than the company.
• The web app's withdrawal page will remain open with no withdrawal deadline. Users can also reach their Safe through a compatible interface using their existing signer key. Transfers may carry blockchain network fees.
• Euro IBANs keep working. They are provided by Monerium and are linked to users' wallets, not their cards, so incoming transfers continue.
• The GNO cashback program ends Sept. 30, with a final distribution on Oct. 7. Later incentives will depend on the partner.
• Recurring payments will not move across automatically. Gnosis Pay tells users to update card details with each merchant and export transaction history before the web app closes.

What the formal notice and migration guide say

Gnosis Pay's formal notice describes two stages for moving on: importing an existing card and Safe into a partner app where that is supported, then accepting new terms and receiving a partner card when that program launches. The notice says the second stage involves a new Safe, funded separately by the user, and ends the old cardholder agreement.

The migration guide lists different routes depending on the card's currency:

• Euro cards: Rebind's migration flow is live and accepts only EUR accounts. Gnosis Pay says the existing account, IBAN and card carry over at first, without new identity checks.
• Dollar cards: Gnosis Pay recommends Picnic for users in Brazil and MiniPay elsewhere. Picnic can initially keep the existing card without new identity checks. MiniPay is already on the new platform, on Celo, and requires a new account rather than importing the old details; funds in the original Safe must be withdrawn separately.
• Sterling cards: Gnosis Pay says it is still working on a migration option.

Replacement programs can have different fees, foreign-exchange arrangements, limits and rewards. Gnosis Pay also says its rebuilt platform will replace withdrawal security delays with instant withdrawals and offer faster reversals.

Why Gnosis Pay says it is making the change

The shutdown winds down a direct consumer offering built around a self-custodial Visa card linked to a Safe account. Gnosis Pay says it moved toward providing card programs for wallets, fintechs and neobanks in 2025 and cannot maintain its consumer interfaces alongside that business.

Gnosis vice president of technology Sebastian Bürgel wrote on Sept. 24 that the technical infrastructure business is not shutting down. He said: "Gnosis is excellent building technical infrastructure and less good at distributing that tech to consumers directly."

Cardholder criticism

The migration has drawn criticism from cardholder Lefteris Karapetsas, founder of the portfolio tracker Rotki. In a reply to Bürgel, he wrote: "What affects me is that I have to migrate to yet again another platform, get another card with zero practical benefits" and called it "a very hard sell."

What is confirmed

Gnosis Pay has stated the Dec. 20 shutdown date and time, the end of physical and virtual card authorizations, the closure of most of the web app, the continued access to Safes and the open withdrawal page. It has also confirmed that euro IBANs continue, that GNO cashback ends Sept. 30 with a final distribution on Oct. 7, and that Rebind and Picnic are named as migration routes.

What is still unclear

Gnosis Pay has not announced a migration option for sterling cards, saying only that it is still working on one. It also has not given a launch date for the new partner card programs, and it says replacement programs may charge different fees and offer different limits and rewards.

Why this matters for users

Anyone using a Gnosis Pay card will lose the ability to spend with it after Dec. 20 unless they move to a partner program and receive a replacement card. Balances are not being lost, but continued card use depends on signing up with a third party, and the terms of the new card may differ from the old one.

What happens next

Cardholders need to decide whether to join a partner program and should update stored card details with merchants, since recurring payments do not transfer automatically. Transaction history should be exported before the web app closes, and GNO cashback ends Sept. 30 ahead of the final distribution on Oct. 7.

Sources

• The Defiant