Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs ARQ: 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, 202653 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.
OverallGnosis Pay77ARQ64Higher score
CashbackGnosis Pay22ARQ40Compare the details below
TravelGnosis Pay100ARQ62Compare the details below
Funds controlGnosis Pay90ARQ52Compare the details below
Lowest feesGnosis Pay87ARQ52Compare the details below
TransfersGnosis Pay91ARQ75Compare the details below
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
Choose ARQ Card if its day-to-day setup suits you
ARQ Card 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.
- Clear four-country residence coverage
- Virtual, physical and phone-wallet access
- Paid tiers add cashback and earnings
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- 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
Why one card starts ahead
These quick facts cover the costs, rewards and everyday features behind the early lead.
- 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
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
CardsGnosis PayOverall77ARQ CardOverall64
Gnosis PayOverall77ARQ CardOverall64Scores
6 fields- Overall Score
- Gnosis Pay77ARQ Card64
- Cashback score
- Gnosis Pay22ARQ Card40
- Travel score
- Gnosis Pay100ARQ Card62
- Funds control score
- Gnosis Pay90ARQ 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026ARQ 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 CardMexico: Standard shipping $4.99; first physical card free with Main Balance above $100 or Premium. Other countries must confirm local terms.
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 PaySep 6, 2026ARQ CardOct 11, 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
Gnosis Pay
Continue with
ARQ Card
05 · Common questions
Gnosis Pay vs ARQ FAQ
Is Gnosis Pay or ARQ 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, 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 October 11, 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.