Rebind Card

What Rebind is

Rebind is a Paris-built money app that gives you a euro IBAN, a free Visa debit card and savings in one place, and it is designed for people who live or work across borders. It reports 35,000+ downloads and over €30 million moved across 40+ countries, and it works inside and outside the eurozone. The structure is the interesting part: Rebind is a financial technology company rather than a bank, your euros are issued as euro stablecoins by an EU-licensed electronic money institution, and the card comes from a licensed MiCA-compliant card-issuing partner.

Savings and the card work together

Savings earn up to 5% on euros and up to 8% on dollars, paid every second, with no lock-ups and no minimum beyond €1. Those rates come from open money markets rather than a bank's balance sheet - Rebind connects savers directly to borrowers who post more collateral than the loan is worth, in markets that already hold tens of billions in deposits and are used by institutions including Coinbase and Société Générale. The card then spends out of that balance, which means your money keeps earning until the moment you pay. Independent card trackers report the cashback is tiered from 1% to 5%, paid in GNO, with eligible spending capped at around $250 a week.

Built on Gnosis Pay and Monerium

Rebind's card runs on self-custodial infrastructure: a Gnosis Pay Visa connected to a Safe smart account, with Monerium providing the legal 1:1 euro backing and IBAN integration. Partners listed also include Stripe, Visa, Privy and Aave. The practical consequence is that your balance stays under your control - Rebind states that funds cannot be accessed by Rebind itself, and that if the company shut down you would still be able to withdraw to a bank account or a digital wallet.

What to weigh

The virtual card is free, foreign exchange is free and the yield is genuinely competitive with anything a high-street bank offers. The trade-offs are maturity and publication: the card is virtual only for now, the full fee and limit schedule is not published, cashback arrives in GNO rather than euros, and the user base is small relative to the established players in this directory. Deposits also sit with licensed partners rather than under a deposit guarantee scheme, and the savings rates are variable, so the headline 5% is not a fixed promise.

Rebind combines a free virtual Visa with a euro IBAN and savings paying up to 5%, with no FX fees on the account. Keytom pairs a named EUR IBAN with virtual and physical Visa cards, and Brighty adds IBANs in three currencies with USDC cashback. Compare the account terms in our Best Crypto Cards directory.

Card

• Free virtual Visa debit card, issued immediately on opening an account.
• No foreign exchange fees, so you can pay in any currency.
• Funds keep earning savings interest until the moment a payment settles.
• Freeze the card or lock the account from the app in one tap.
• Physical card listed on the roadmap.

Account and transfers

• A euro IBAN wherever you live, in 40+ countries.
• Send and receive euros instantly, 24/7, at no cost.
• Free to open, taking around five minutes.

Savings

• Up to 5% on euros and up to 8% on dollars.
• Interest paid every second, with no lock-ups.
• Start from €1 and withdraw at any time.
• Yield comes from open money markets with over-collateralised lending rather than a bank's balance sheet.

Investing

• 500+ assets including crypto and stocks.
• Trading available even when traditional markets are closed.
• Low fees advertised.

Security and support

• Passkeys, an authenticator app and biometrics protect access.
• Self-custodial Safe smart account infrastructure via Gnosis Pay, with Monerium for 1:1 euro backing.
• Human support, day and night, with no bots.

What your euro balance actually is

Rebind holds customer euros as euro stablecoins issued by an EU-licensed electronic money institution, backed 1:1 by real reserves, with Monerium providing the legal and IBAN infrastructure. That is why the company can say funds sit in an account only you can access and cannot be held or touched by Rebind - and why it can claim your money would be unaffected if Rebind shut down, withdrawable to a bank account or a digital wallet at any time.

Rewards currency

Cashback is paid in GNO, the Gnosis token, rather than in euros. That introduces price exposure and, in many jurisdictions, a taxable event each time rewards land. Anyone valuing the cashback should convert the GNO figure to euros at the time they receive it rather than assuming the advertised rate is a euro return.

Investing in crypto

Beyond the savings balance, Rebind offers 500+ investable assets covering crypto and stocks, with trading available outside traditional market hours. Those positions carry market risk and sit apart from the savings product - the savings yield comes from money-market lending, while the investing side is exposed to asset prices.

Custody

The card and account run on self-custodial infrastructure: a Gnosis Pay Visa on a Safe smart account, with key management and biometric protection on the device. That places Rebind closer to the self-custody end of this directory than the exchange-account cards, even though the euro balance itself is issued as regulated e-money.

What Rebind publishes

• Account opening: free
• Card issuance: free (virtual)
• Foreign exchange on card spending: none
• Euro transfers in and out via IBAN: free, instant and available 24/7
• Savings management: free, with interest paid every second

What is not published

• ATM withdrawal fees and limits, which is expected while the card is virtual only
• Spending limits and daily or monthly caps
• The full cashback tier table, and the exact eligible-spend cap on rewards
• Whether the roadmap physical card will carry a fee, with third-party trackers speculating around €30 based on Gnosis Pay norms
• Investing commission schedules beyond the claim of low fees

How the economics work

Rebind's model is to pass through more of the yield your money generates than a bank does, which is why savings rates reach 5%. There is no card fee and no FX fee, so the cost of using the card is effectively zero on published terms; the open questions are around cash withdrawals and spending limits, neither of which is documented yet. If you are considering moving meaningful savings here, the rates to watch are the variable savings rate and the fact that cashback arrives in GNO, a volatile token, rather than in euros.