Spend it.
Free virtual Visa with up to 5% cashback. Zero FX on card spending. SEPA in and out by EUR IBAN.
Gnosis App
Every hour pays you back.
Gnosis App is a free app that gives you a Visa card, a European bank account with your own IBAN, and cashback from the spending you'd do anyway. No monthly fees. No FX fees abroad. 26,000 people across Europe already use it.
Open Gnosis App →
26k+ people across Europe already use it
Make it.
One Circles per hour, automatically, for every verified human.
Keep it.
Self-custodial from minute one. No one can freeze, lend, or claw back your funds.
At a glance
- Type
- Self-custodial money app
- Built on
- Gnosis Chain
- Network fees
- Less than €0.01 per transaction
- Currencies
- EURe, USDC.e, GBPe, CRC, GNO
- Bank account
- Personal EUR IBAN, SEPA in and out
- Card
- Free virtual Visa, up to 5% cashback
- FX fees
- 0% on card spending
- Circles earnings
- 1 token per hour
- Available in
- European Union
Open an account in minutes.
Sign in instantly via face recognition.
A passkey, not a password.
- Nothing to remember, then forget.
- Nothing to write down, then lose.
Top up by EUR IBAN.
Send from any European bank.
- Same-day in most cases.
- Or move crypto from any wallet.
Spend, send, earn.
Tap your free Visa for up to 5% back.
- Pay anyone.
- Earn a Circles every hour you stick around.
The good stuff
What you get back.
Up to 5% back, on the spending you'd do anyway.
Groceries, coffee, transport, takeaway. Around €10 a month adds up to a free meal, every month, just for using a card you'd be using anyway.
A small Circles bonus, every hour, every day.
Circles is a digital currency that mints itself, one token every hour, for every verified human on the network. Small but real. Spend it inside Circles, send it to friends, or trade it for EUR.
A real EUR account, no monthly fee.
Get your wage paid in. Set up direct debits. Send to friends across SEPA. Same as any European bank account, with nothing taken off the top.
26,000 users on Gnosis App.
Student life is rough on the wallet, but Gnosis changed that for me. I earn Circles while I sleep, the cashback actually adds up, and having my card separate from my wallet means no surprise charges. Honestly a game changer.
Coolest part IMO is seeing crypto slowly emerging as the new standard of payment, allowing users to own their money and to get cashback on their expenses and staking thanks to crypto optimizing the process.
Why Gnosis App?
| Feature | Gnosis App | Revolut | AIB / your bank | Credit Union | Wise |
|---|---|---|---|---|---|
| Free Visa card | Yes, up to 5% back | Yes, no cashback on Standard | Yes, no cashback | Sometimes | No, debit only |
| Personal EUR IBAN | Yes | Yes | Yes | Yes | Yes, BE-based |
| FX on card spending | 0% | 0% weekdays up to ~€1,000/mo, 1% weekends | Usually 2 to 3% | Usually 2 to 3% | 0.43 to 0.7% per conversion |
| Cost | €0 forever | €0 to €15 / month | Sometimes monthly fee | Often free | €0, plus per-transaction fees |
| Earn for using it | ~€10/month + hourly Circles | None | None | None | Small monthly cashback, EEA |
| Your money stays yours | Yes, you hold the keys | No, Revolut holds it | No, the bank holds it | No, the CU holds it | No, Wise holds it |
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Get your questions answered.
01 Who is Gnosis?
An open-source money infrastructure company. We've been at this since 2017. We build a public blockchain (Gnosis Chain), a self-custodial Visa card (Gnosis Pay), and consumer apps like this one. European-based. Yes, the owl is on purpose.
02 How does Gnosis App make money?
Card networks pay us a small share of merchant fees every time you tap your Visa. That's called interchange. Not your data. Not a monthly fee. Not an FX markup. The cashback comes out of the same pot, which is why it's capped at 5%. Boring, but true.
03 Is it safe?
We don't hold your money. A passkey on your device locks the wallet. Wallet guardian recovery is coming soon. Until then, guard your passkey like you'd guard your phone.
04 Do I need crypto experience?
No. Sign up with a passkey. Top up from any European bank by IBAN. The crypto runs underneath. You never need to know what a seed phrase is.
05 What does self-custodial mean for me?
You own your money the way you own cash. We can't freeze it, lend it out, or move it without you. You're responsible for your keys. Passkeys make that as easy as unlocking your phone.
06 How do I top up?
Send EUR by SEPA transfer to your personal IBAN inside the app. Same-day in most cases. You can also receive crypto from any external wallet. No top-up fees from us.
07 How does the Visa card work?
You get a free virtual Visa the moment you open your account. Add it to Apple Pay or Google Pay. Spend online, in shops, anywhere Visa works. Earn up to 5% cashback. No monthly fee.
08 What is Circles?
A digital currency that mints one token per hour for every verified human. Verification comes from invitations by other people in the network, not from a passport. Spendable inside Circles. Tradeable for EUR once you back it with crypto.
09 Which currencies does it support?
Five: EURe (pegged to EUR), USDC.e (pegged to USD), GBPe (pegged to GBP), CRC (Circles, the social currency), and GNO (the Gnosis network token). All five are spendable and swappable inside the app.
10 Where can I use it?
Across the European Union. The Visa card works anywhere Visa is accepted, online and in person. EUR IBAN deposits accept SEPA transfers from any eurozone bank.
11 What does it cost?
Nothing for the app, the card, or the IBAN. No monthly fees, no FX markup on card spending, no transaction fees on standard use. Gnosis Chain network fees are less than one cent.