Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs ZEN: same score, different trade-offs
Gnosis Pay and ZEN Card share an Overall Score of 77. Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while ZEN Card comes out ahead for Cashback and Transfers.
Information checked Aug 23, 202660 official sources reviewed
01 · A level score
The scores are tied, but the cards are not the same
Gnosis Pay and ZEN Card have the same Overall Score. Start with what matters most to you: day-to-day costs, rewards, control of your funds or moving money. The sections below show how they differ. You should also check that your preferred card is available in your country.
OverallGnosis Pay77ZEN77Same score
CashbackGnosis Pay22ZEN39Higher score
TravelGnosis Pay100ZEN96Higher score
Funds controlGnosis Pay89ZEN65Higher score
Lowest feesGnosis Pay87ZEN80Higher score
TransfersGnosis Pay91ZEN98Higher score
Choose Gnosis Pay if travel and funds control matter most
Gnosis Pay comes out ahead for Travel, Funds control, and Lowest fees 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
Choose ZEN Card if cashback and transfers matter most
ZEN Card comes out ahead for Cashback and Transfers in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- Free plan with 0.5% weekday FX margin
- Physical, virtual and phone-wallet access
- Four current crypto-route assets
Where the cards part company
A tied score can hide meaningful differences in cost, custody, rewards and everyday access.
- Overall Score
- Gnosis Pay77ZEN77
Both cards have the same displayed Overall Score of 77.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXZEN$0 plan · 0–0.5% FX
Gnosis Pay has the lower published FX fee (0% vs 0–0.5%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%ZEN0% base
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletZENCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayZENVirtual + Physical · Apple Pay, Google Pay
Both cards list the same number of card formats and phone-wallet options.
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundZEN2 stablecoins · Stablecoin transfers; Card-to-card transfer; SEPA transfers
ZEN Card lists more stablecoins and ways to send money out (5 vs 4).
02 · Read the shortlist
A closer look at the tie
The score is level. These quick facts show where the cards still ask you to make a choice.
- 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
77
- Cashback
- 0% base
- Plan cost
- $0
- FX fee
- 0–0.5%
- ATM fee
- 0–1.5%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 4 crypto · 2 fiat
- Payout methods
- 4 crypto · 1 fiat
03 · Compare the details
Put the details side by side
We highlight a better number only when both cards publish values that can be compared fairly. Anything missing stays clearly marked.
Best known Not disclosed
CardsGnosis PayOverall77ZEN CardOverall77
Gnosis PayOverall77ZEN CardOverall77Scores
6 fields- Overall Score
- Gnosis Pay77ZEN Card77
- Cashback score
- Gnosis Pay22ZEN Card39
- Travel score
- Gnosis Pay100ZEN Card96
- Funds control score
- Gnosis Pay89ZEN Card65
- Lowest fees score
- Gnosis Pay87ZEN Card80
- Transfers score
- Gnosis Pay91ZEN Card98
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersZEN CardFree plan with 0.5% weekday FX margin, Physical, virtual and phone-wallet access
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesZEN CardFree-plan ATM withdrawals cost 1.5%, No universal public cashback rate
Costs
7 fields- Plan cost
- Gnosis Pay$0ZEN Card$0
- FX fee
- Gnosis Pay0%ZEN Card0–0.5%
- Top-up fee
- Gnosis Pay0%ZEN Card0–3%
- Card spending fee
- Gnosis Pay0%ZEN Card0%
- ATM fee
- Gnosis Pay0–2%ZEN Card0–1.5%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedZEN CardFree/Gold: 1 included; Platinum/Pro: 3 included; next card €5
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeZEN CardFree first card €10; Gold 1 included; Platinum/Pro 2 included; next card €10
Plans
2 fields- Available plans
- Gnosis PayNot disclosedZEN Card4 plans: Free, Gold, Platinum, Pro
- Top cashback plan
- Gnosis PayNot disclosedZEN CardFree: 0%
Everyday use
8 fields- Network
- Gnosis PayVisaZEN CardMastercard/Visa
- Card formats
- Gnosis PayVirtual, PhysicalZEN CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableZEN CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayZEN CardApple Pay, Google Pay
- Apps
- Gnosis PayWebZEN CardiOS, Android, Web
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionZEN CardStandard €10,000/day; maximum €30,000/day (currency equivalents also published)
- Monthly spending limit
- Gnosis PayNot disclosedZEN CardNot publicly confirmed
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayZEN CardStandard €2,000/day; maximum €30,000/day (currency equivalents also published)
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainZEN CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeZEN CardStablecoins: USDT, USDC; Other crypto: BTC, ETH
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANZEN CardSEPA bank transfer, Payment-card top-up
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundZEN CardStablecoin transfers; Card-to-card transfer; SEPA transfers
- Payout currencies
- Gnosis PayEUReZEN CardEUR
Rewards
3 fields- Base cashback
- Gnosis Pay0%ZEN Card0%
- Max cashback
- Gnosis Pay5%ZEN CardNot disclosed
- Reward currency
- Gnosis PayGNO cashbackZEN CardTransaction currency
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredZEN CardNot offered
- How it works
- Gnosis PayNot offeredZEN CardNot offered
- Separate deposit
- Gnosis PayNot offeredZEN CardNot offered
- Use balance for spending
- Gnosis PayNot offeredZEN CardNot offered
- Lock-up
- Gnosis PayNot offeredZEN CardNot offered
Trust & availability
9 fields- Custody
- Gnosis PaySelf-custodyZEN CardCustodial
- Control until payment
- Gnosis PayYou keep controlZEN CardProvider controls funds
- Card issuer
- Gnosis PayMonavateZEN CardUAB ZEN.COM
- Card processing
- Gnosis PayPaymentologyZEN CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}ZEN CardNot disclosed
- Deposits & withdrawals
- Gnosis PayNot disclosedZEN CardTriple A Technologies Pte Ltd, Coreline Solutions LLC
- Bank transfers
- Gnosis PayMoneriumZEN CardNot disclosed
- Identity verification
- Gnosis PaySumsubZEN CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayZEN CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17ZEN Card43
- Last reviewed
- Gnosis PayAug 6, 2026ZEN CardAug 23, 2026
04 · The closer call
Gnosis Pay and ZEN Card need a closer personal call
The Overall Score ends level at 77, so there is no honest all-round winner here. Gnosis Pay has the lower published FX fee (0% vs 0–0.5%). Both cards show the same base cashback rate of 0%.
Gnosis Pay looks stronger for Travel, Funds control, and Lowest fees, while ZEN Card comes out ahead for Cashback and Transfers. Gnosis Pay uses a self-controlled wallet setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ZEN Card lists more stablecoins and ways to send money out (5 vs 4). Your final check should be whether the card is available where you live and whether the latest provider terms match the features you expect to use.
If one card now looks like the better fit, you can check the latest application terms on the provider site or read our full Gnosis Pay and ZEN Card reviews first.
Continue with
Gnosis Pay
Continue with
ZEN Card
05 · Common questions
Gnosis Pay vs ZEN FAQ
Is Gnosis Pay or ZEN better overall?
Gnosis Pay and ZEN Card tie at 77 in the Overall Score. Compare their costs, rewards, way of holding funds and everyday features to decide which suits you.
Which has lower fees, Gnosis Pay or ZEN?
Gnosis Pay has the lower published FX fee (0% vs 0–0.5%). Compare plan, FX, card-spend, top-up and ATM charges separately because one fee does not represent the full cost.
Which has better cashback, Gnosis Pay or ZEN?
Both cards show the same base cashback rate of 0%. Maximum rates may depend on tiers, caps, categories or other conditions, so the entry rate and reward asset matter too.
How do Gnosis Pay and ZEN differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while ZEN Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
How current is this Gnosis Pay vs ZEN comparison?
The latest information check for these two cards was August 23, 2026, using 60 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.