Cards can make a self-custody account more useful day to day, but card access is not universal. Availability depends on the card programme, your eligibility, completed verification, supported region and the current product rollout.
When a plan₿ card is available
plan₿ is building card access with Gnosis Pay. Where the programme is available to you, you may be able to use an eligible card for online payments and, where supported by the card programme and your device, add it to Apple Pay.
- Card availability and KYC requirements are determined by the programme and region.
- Apple Pay availability depends on the device, issuer programme and location.
- Merchant acceptance depends on the card network and the merchant; it is not guaranteed for every purchase.
How to prepare for a purchase
Before you rely on a card for a payment, make sure your card is active and your available balance covers the purchase. If you need to convert an asset first, request a current quote, read the amount you will receive and the fees that apply, then decide whether to confirm.
- Check the available card balance and any transaction limits.
- Review the current conversion quote rather than assuming a fixed exchange rate.
- Read the applicable fees before confirming a conversion or card action.
Self-custody and card payments are different steps
Self-custody concerns control of the compatible assets in your wallet. A card payment is a separate programme action, subject to its own eligibility, operational rules and network acceptance. This distinction matters: holding an asset does not itself create a guaranteed card balance or a guaranteed payment outcome.
Before you travel or make a larger payment
Confirm card and wallet availability in advance, carry a backup payment method and allow time for any required verification. Foreign-currency conversion, merchant policies and card-network rules can affect the final amount and whether a payment is accepted.
For current pricing, use the Fees & Charges page as the source of truth. Do not treat this article as a promise of card approval, Apple Pay availability or universal merchant acceptance.