BybitBybit
68
Side-by-side card comparison
Bybit vs Gnosis Pay: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 9 points (77 vs 68). Bybit Card (Global) looks stronger for Cashback, while Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers.
Information checked Aug 14, 202626 official sources reviewed
01 · Overall score versus use-case fit
Gnosis Pay is the better all-round starting point
Gnosis Pay has the higher Overall Score in this comparison. Bybit Card (Global) may be the better fit for Cashback. A score cannot tell you whether a provider will accept your application or whether every feature will be available where you live, so check the latest provider terms before signing up.
OverallBybit68Gnosis Pay77Higher score
CashbackBybit62Gnosis Pay22Higher score
TravelBybit76Gnosis Pay100Higher score
Funds controlBybit47Gnosis Pay89Higher score
Lowest feesBybit64Gnosis Pay87Higher score
TransfersBybit78Gnosis Pay91Higher score
Choose Bybit Card (Global) if cashback matters most
Bybit Card (Global) comes out ahead for Cashback in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, Lowest fees, and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Spend stablecoins from a dedicated Safe
- SEPA IBAN funding fits euro users
- Visa card with wallet support
Where each card has the edge
The overall leader does not win every use case, so the reason you want the card matters here.
- Overall Score
- Bybit68Gnosis Pay77
Gnosis Pay has the higher Overall Score by 9 points.
- Entry cost & FX
- Bybit$0 plan · 1–7% FXGnosis Pay$0 plan · 0% FX
Gnosis Pay has the lower published FX fee (0% vs 1–7%).
- Purchase rewards
- Bybit2% base · up to 10%Gnosis Pay0% base · up to 5%
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
- Funds control
- BybitCustodial balanceGnosis PaySelf-controlled wallet
Bybit Card (Global) uses a custodial balance setup, while Gnosis Pay uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- BybitVirtual + Physical · UnknownGnosis PayVirtual + Physical · Apple Pay, Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Bybit2 stablecoins · Stablecoin transfers; Bybit account fiat withdrawalGnosis Pay3 stablecoins · Stablecoin transfers; IBAN outbound
Both cards list the same number of stablecoins and ways to send money out.
02 · Read the shortlist
A closer look at the split decision
Start with the strengths that drive each use-case result, then test them against costs and access.
- Cashback
- 2%-10%
- Plan cost
- $0
- FX fee
- 1–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Not disclosed
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
- Cashback
- 0%-5%
- Plan cost
- $0
- FX fee
- 0%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 3 crypto · 1 fiat
- Payout methods
- 0 crypto · 1 fiat
Current signup offers
Signup value available today
A welcome offer can improve the value of your first months with a card. Check the eligibility rules, qualifying actions and deadline first. Signup offers are excluded from card scores.
Bybit Card (Global)
Get 10 USDT
10 USDT referral reward after qualifying Bybit Card spend
- Spend more than 100 USDT or equivalent with the Bybit Card.
Bybit Card promo codeEXVJGK
Offer terms can change. Check the current Bybit Card referral programme before applying.
Gnosis Pay
No active signup offer listed
We do not currently list an active signup offer for this card.
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
03 · Compare the details
See how the trade-offs line up
Comparable figures receive a marker; missing or unverified details stay visible instead of becoming an assumed advantage.
Best known Not disclosed
CardsBybit Card (Global)Overall68Gnosis PayOverall77
Bybit Card (Global)Overall68Gnosis PayOverall77Scores
6 fields- Overall Score
- Bybit Card (Global)68Gnosis Pay77
- Cashback score
- Bybit Card (Global)62Gnosis Pay22
- Travel score
- Bybit Card (Global)76Gnosis Pay100
- Funds control score
- Bybit Card (Global)47Gnosis Pay89
- Lowest fees score
- Bybit Card (Global)64Gnosis Pay87
- Transfers score
- Bybit Card (Global)78Gnosis Pay91
Strengths & trade-offs
2 fields- Strengths
- Bybit Card (Global)Spend from a Bybit account balance, Physical and virtual Mastercard accessGnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro users
- Trade-offs
- Bybit Card (Global)Spending follows the Bybit account model, FX can get expensiveGnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rules
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Gnosis Pay$0
- FX fee
- Bybit Card (Global)1–7%Gnosis Pay0%
- Top-up fee
- Bybit Card (Global)Not disclosedGnosis Pay0%
- Card spending fee
- Bybit Card (Global)Not disclosedGnosis Pay0%
- ATM fee
- Bybit Card (Global)0–2%Gnosis Pay0–2%
- Virtual card
- Bybit Card (Global)No fee until further noticeGnosis PayFree; available after the card application is accepted
- Physical card
- Bybit Card (Global)Free / 5 / 29.99Gnosis Pay30.23 EURe one-time; shipping free
Plans
2 fields- Available plans
- Bybit Card (Global)6 plans: Base, Beta, Alpha, Apex +2Gnosis PayNot disclosed
- Top cashback plan
- Bybit Card (Global)Infinite: 10%Gnosis PayNot disclosed
Everyday use
8 fields- Network
- Bybit Card (Global)Mastercard/VisaGnosis PayVisa
- Card formats
- Bybit Card (Global)Virtual, PhysicalGnosis PayVirtual, Physical
- ATM withdrawals
- Bybit Card (Global)AvailableGnosis PayAvailable
- Mobile wallets
- Bybit Card (Global)Not disclosedGnosis PayApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidGnosis PayWeb
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $13.5k Australia · $15k Georgia/AIFC · APAC $10k–$100k by tier · 27.5k BRL Brazil · 97k MXN MexicoGnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transaction
- Monthly spending limit
- Bybit Card (Global)$5k Peru · $10k Argentina · $27k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoGnosis PayNot disclosed
- ATM limit
- Bybit Card (Global)$50/$1.8k Australia L1/L2 · $10k Georgia/AIFC/APAC T2–T3 · 1.8m ARS Argentina · 27.5k BRL Brazil · 90k MXN Mexico · Peru/APAC T1 unsupportedGnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/day
Funding & transfers
5 fields- Networks
- Bybit Card (Global)Not disclosedGnosis PayGnosis Chain
- Crypto deposits
- Bybit Card (Global)Other crypto: Supported cryptoGnosis PayStablecoins: EURe, GBPe, USDCe
- Fiat deposits
- Bybit Card (Global)Bybit account bank depositGnosis PayReceive-only SEPA IBAN
- Transfers
- Bybit Card (Global)Stablecoin transfers; Bybit account fiat withdrawalGnosis PayStablecoin transfers; IBAN outbound
- Payout currencies
- Bybit Card (Global)Not disclosedGnosis PayEURe
Rewards
3 fields- Base cashback
- Bybit Card (Global)2%Gnosis Pay0%
- Max cashback
- Bybit Card (Global)10%Gnosis Pay5%
- Reward currency
- Bybit Card (Global)USD-equivalent cashback via convertible Bybit Points (1 point = USD 0.002; Auto Cashback from 50 points)Gnosis PayGNO cashback
Earn
5 fields- Advertised APY
- Bybit Card (Global)Not disclosedGnosis PayNot offered
- How it works
- Bybit Card (Global)Earn on spending balanceGnosis PayNot offered
- Separate deposit
- Bybit Card (Global)Not disclosedGnosis PayNot offered
- Use balance for spending
- Bybit Card (Global)YesGnosis PayNot offered
- Lock-up
- Bybit Card (Global)NoGnosis PayNot offered
Trust & availability
8 fields- Custody
- Bybit Card (Global)CustodialGnosis PaySelf-custody
- Control until payment
- Bybit Card (Global)Provider controls fundsGnosis PayYou keep control
- Card issuer
- Bybit Card (Global)Fly Wallet Pty Ltd, Winway International Pty Ltd, Vortex Pay, S. de R.L. de C.V.Gnosis PayMonavate
- Card processing
- Bybit Card (Global)Not disclosedGnosis PayPaymentology
- Custody / key management
- Bybit Card (Global)Not disclosedGnosis PaySafe{Wallet}
- Bank transfers
- Bybit Card (Global)Not disclosedGnosis PayMonerium
- Identity verification
- Bybit Card (Global)Not disclosedGnosis PaySumsub
- Programme operator
- Bybit Card (Global)Not disclosedGnosis PayGnosis Pay
Sources
2 fields- Official sources
- Bybit Card (Global)9Gnosis Pay17
- Last reviewed
- Bybit Card (Global)Aug 14, 2026Gnosis PayAug 6, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 68 for Bybit Card (Global). Gnosis Pay has the lower published FX fee (0% vs 1–7%). Bybit Card (Global) has the higher published base cashback rate (2% vs 0%).
Bybit Card (Global) still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Bybit Card (Global) uses a custodial balance setup, while Gnosis Pay uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
Both cards list the same number of stablecoins and ways to send money out. Before applying, confirm availability in your country and recheck the provider's current fees and reward conditions.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Bybit Card (Global) and Gnosis Pay reviews first.
Continue with
Bybit Card (Global)
Continue with
Gnosis Pay
05 · Common questions
Bybit vs Gnosis Pay FAQ
Is Bybit or Gnosis Pay better overall?
Gnosis Pay has the higher Overall Score (77 vs 68). That does not make it better for everyone: your preferred fees, rewards, way of holding funds and country availability can change the practical choice.
Which has lower fees, Bybit or Gnosis Pay?
Gnosis Pay has the lower published FX fee (0% vs 1–7%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Bybit or Gnosis Pay?
Bybit Card (Global) has the higher published base cashback rate (2% vs 0%). Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Bybit and Gnosis Pay differ on custody?
Bybit Card (Global) uses a custodial balance setup, while Gnosis Pay uses a self-controlled wallet setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Bybit vs Gnosis Pay comparison?
The latest information check for these two cards was August 14, 2026, using 26 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.