Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs ARQ: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 13 points (77 vs 64). Gnosis Pay looks stronger for Travel, Funds control, Lowest fees, and Transfers, while ARQ Card comes out ahead for Cashback.
Information checked Aug 6, 202653 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. ARQ Card 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.
OverallGnosis Pay77ARQ64Higher score
CashbackGnosis Pay22ARQ41Higher score
TravelGnosis Pay100ARQ62Higher score
Funds controlGnosis Pay89ARQ52Higher score
Lowest feesGnosis Pay87ARQ52Higher score
TransfersGnosis Pay91ARQ75Higher score
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
Choose ARQ Card if cashback matters most
ARQ Card 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.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
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
- Gnosis Pay77ARQ64
Gnosis Pay has the higher Overall Score by 13 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXARQ$0 plan · Provider spread unknown; Argentina/Brazil variant charges may apply FX
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option.
- Purchase rewards
- Gnosis Pay0% base · up to 5%ARQ0% base · up to 2%
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletARQCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while ARQ 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 PayARQVirtual + 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 outboundARQ4 stablecoins · ARQ P2P; USD ACH payout
ARQ Card lists more stablecoins and ways to send money out (6 vs 4).
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
- 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
64
- Cashback
- 0%-2%
- Plan cost
- $0
- FX fee
- Provider spread unknown; Argentina/Brazil variant charges may apply
- ATM fee
- 1–3%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 2 crypto · 2 fiat
- Payout methods
- 0 crypto · 1 fiat
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
CardsGnosis PayOverall77ARQ CardOverall64
Gnosis PayOverall77ARQ CardOverall64Scores
6 fields- Overall Score
- Gnosis Pay77ARQ Card64
- Cashback score
- Gnosis Pay22ARQ Card41
- Travel score
- Gnosis Pay100ARQ Card62
- Funds control score
- Gnosis Pay89ARQ Card52
- Lowest fees score
- Gnosis Pay87ARQ Card52
- Transfers score
- Gnosis Pay91ARQ Card75
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersARQ CardClear four-country residence coverage, Virtual, physical and phone-wallet access
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesARQ CardProvider FX spread remains unclear, Headline cashback requires membership
Costs
7 fields- Plan cost
- Gnosis Pay$0ARQ Card$0
- FX fee
- Gnosis Pay0%ARQ CardProvider spread unknown; Argentina/Brazil variant charges may apply
- Top-up fee
- Gnosis Pay0%ARQ CardStandard receive: 3 USDc for USD/crypto and 3 EURc for EUR
- Card spending fee
- Gnosis Pay0%ARQ Card0%
- ATM fee
- Gnosis Pay0–2%ARQ Card1–3%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedARQ CardFree
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeARQ Card$4.99 Standard; $0 Premium
Plans
2 fields- Available plans
- Gnosis PayNot disclosedARQ Card3 plans: Standard, Premium, Prestige
- Top cashback plan
- Gnosis PayNot disclosedARQ CardPrestige: 2%
Everyday use
8 fields- Network
- Gnosis PayVisaARQ CardMastercard
- Card formats
- Gnosis PayVirtual, PhysicalARQ CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableARQ CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayARQ CardApple Pay, Google Pay
- Apps
- Gnosis PayWebARQ CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionARQ CardNot disclosed
- Monthly spending limit
- Gnosis PayNot disclosedARQ CardNot disclosed
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayARQ CardNot disclosed
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainARQ CardEthereum, Polygon, Tron
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeARQ CardStablecoins: USDC, USDT
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANARQ CardUSD receive, EUR receive
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundARQ CardARQ P2P; USD ACH payout
- Payout currencies
- Gnosis PayEUReARQ CardUSD
Rewards
3 fields- Base cashback
- Gnosis Pay0%ARQ Card0%
- Max cashback
- Gnosis Pay5%ARQ Card2%
- Reward currency
- Gnosis PayGNO cashbackARQ CardUSDc cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredARQ CardUp to 4.5% APY
- How it works
- Gnosis PayNot offeredARQ CardEarn on spending balance, Optional earn vault
- Separate deposit
- Gnosis PayNot offeredARQ CardYes
- Use balance for spending
- Gnosis PayNot offeredARQ CardNo
- Lock-up
- Gnosis PayNot offeredARQ CardNo
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyARQ CardCustodial
- Control until payment
- Gnosis PayYou keep controlARQ CardProvider controls funds
- Card issuer
- Gnosis PayMonavateARQ CardNot disclosed
- Card processing
- Gnosis PayPaymentologyARQ CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}ARQ CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumARQ CardNot disclosed
- Identity verification
- Gnosis PaySumsubARQ CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayARQ CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17ARQ Card36
- Last reviewed
- Gnosis PayAug 6, 2026ARQ CardAug 5, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 64 for ARQ Card. The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. Both cards show the same base cashback rate of 0%.
ARQ Card still comes out ahead for Cashback, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay uses a self-controlled wallet setup, while ARQ Card uses a custodial balance setup. Neither approach is always better, so choose the level of control you are comfortable with.
ARQ Card lists more stablecoins and ways to send money out (6 vs 4). 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 Gnosis Pay and ARQ Card reviews first.
Continue with
Gnosis Pay
Continue with
ARQ Card
05 · Common questions
Gnosis Pay vs ARQ FAQ
Is Gnosis Pay or ARQ better overall?
Gnosis Pay has the higher Overall Score (77 vs 64). 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, Gnosis Pay or ARQ?
The starting plan and FX figures are tied, or the providers have not published enough matching information to name a lower-cost option. 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 ARQ?
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 ARQ differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while ARQ 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 ARQ comparison?
The latest information check for these two cards was August 6, 2026, using 53 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.