BybitBybit
72
Side-by-side card comparison
Bybit vs Gnosis Pay: where the score gap comes from
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Scores below describe the reviewed card terms, not availability for a new application.
Information checked Oct 11, 202626 official sources reviewed
01 · Where the gap opens
Gnosis Pay is being discontinued
This comparison remains available for existing cardholders. Gnosis Pay is excluded from our recommendations during its wind-down. Review Rebind for the EUR migration route and check the other card's current eligibility independently.
OverallBybit72Gnosis Pay77Higher score
CashbackBybit63Gnosis Pay22Compare the details below
TravelBybit80Gnosis Pay100Compare the details below
Funds controlBybit51Gnosis Pay90Compare the details below
Lowest feesBybit66Gnosis Pay87Compare the details below
TransfersBybit79Gnosis Pay91Compare the details below
Choose Bybit Card (Global) if its day-to-day setup suits you
Bybit Card (Global) does not lead one of the use-case scores here, but it can still be the right choice when its costs, rewards and day-to-day setup match how you plan to use it. Read the side-by-side details before deciding.
- Spend from a Bybit account balance
- Physical and virtual Mastercard access
- Cashback can rise through tiers
Gnosis Pay: existing-card reference
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced.
- Excluded from new-card recommendations
- EUR migration route: Rebind
- Exact card shutdown day unannounced
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Bybit72Gnosis Pay77
Gnosis Pay has the higher Overall Score by 5 points.
- Entry cost & FX
- Bybit$0 plan · 1.5–7% FXGnosis Pay$0 plan · 0% FX
Gnosis Pay has the lower published FX fee (0% vs 1.5–7%).
- 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 · Apple Pay, Google Pay · Region dependentGnosis PayVirtual + Physical · Apple Pay, Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 3).
- 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
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- Cashback
- 2%-10%
- Plan cost
- $0
- FX fee
- 1.5–7%
- ATM fee
- 0–2%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay · Region dependent
- 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
Test the lead, row by row
A better number is marked only when both providers publish values that can be compared fairly.
Best known Not disclosed
CardsBybit Card (Global)Overall72Gnosis PayOverall77
Bybit Card (Global)Overall72Gnosis PayOverall77Scores
6 fields- Overall Score
- Bybit Card (Global)72Gnosis Pay77
- Cashback score
- Bybit Card (Global)63Gnosis Pay22
- Travel score
- Bybit Card (Global)80Gnosis Pay100
- Funds control score
- Bybit Card (Global)51Gnosis Pay90
- Lowest fees score
- Bybit Card (Global)66Gnosis Pay87
- Transfers score
- Bybit Card (Global)79Gnosis 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026
Costs
7 fields- Plan cost
- Bybit Card (Global)$0Gnosis Pay$0
- FX fee
- Bybit Card (Global)1.5–7%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)Apple Pay, Google Pay · Region dependentGnosis PayApple Pay, Google Pay
- Apps
- Bybit Card (Global)iOS, AndroidGnosis PayWeb
- Daily spending limit
- Bybit Card (Global)$1k Peru · $5k Argentina · $50k 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 · $150k Australia · $65k Georgia/AIFC · APAC $50k–$350k by tier · 137.5k BRL Brazil · 145k MXN MexicoGnosis PayNot disclosed
- ATM limit
- Bybit Card (Global)$50/$15k 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)Oct 11, 2026Gnosis PaySep 6, 2026
04 · The verdict
Plan around the Gnosis Pay wind-down
Gnosis Pay's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced.
An Overall Score does not extend a card's service life. Existing users can review the recorded costs below, but new applicants should consider a live programme and confirm its country eligibility.
Read the Gnosis transition notice and our Rebind profile before migrating.
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's consumer card and dashboard are winding down by the end of 2026. Existing cards continue during the transition; the exact shutdown day has not been announced. Gnosis Pay is not a current recommendation, regardless of its numerical score.
Which has lower fees, Bybit or Gnosis Pay?
Gnosis Pay has the lower published FX fee (0% vs 1.5–7%). 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 October 11, 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.