Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Avici: overall score versus use-case fit
Gnosis Pay has the higher Overall Score by 6 points (77 vs 71). Gnosis Pay looks stronger for Cashback, Travel, Lowest fees, and Transfers, while Avici Card comes out ahead for Funds control.
Information checked Aug 21, 202633 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. Avici Card may be the better fit for Funds control. 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 Pay77Avici71Higher score
CashbackGnosis Pay22Avici21Higher score
TravelGnosis Pay100Avici82Higher score
Funds controlGnosis Pay89Avici95Higher score
Lowest feesGnosis Pay87Avici73Higher score
TransfersGnosis Pay91Avici67Higher score
Choose Gnosis Pay if cashback and travel matter most
Gnosis Pay comes out ahead for Cashback, Travel, 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 Avici Card if funds control matters most
Avici Card comes out ahead for Funds control in this comparison. It is worth a closer look if those are the parts of a card you expect to use most.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
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 Pay77Avici71
Gnosis Pay has the higher Overall Score by 6 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXAvici$0 plan · 0–1% FX
Gnosis Pay has the lower published FX fee (0% vs 0–1%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Avici0% cashback
Both cards show the same base cashback rate of 0%.
- Funds control
- Gnosis PaySelf-controlled walletAviciSelf-controlled wallet
Gnosis Pay and Avici Card use the same self-controlled wallet setup.
- Everyday access
- Gnosis PayVirtual + Physical · Apple Pay, Google PayAviciVirtual + 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 outboundAvici1 stablecoin · Stablecoin transfers
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2).
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
- Cashback
- 0%
- Plan cost
- $0
- FX fee
- 0–1%
- ATM fee
- 0–0.65%
- Card formats
- Virtual, Physical
- Wallet payments
- Apple Pay, Google Pay
- Receive methods
- 1 crypto · 0 fiat
- Payout methods
- 1 crypto · 0 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 PayOverall77Avici CardOverall71
Gnosis PayOverall77Avici CardOverall71Scores
6 fields- Overall Score
- Gnosis Pay77Avici Card71
- Cashback score
- Gnosis Pay22Avici Card21
- Travel score
- Gnosis Pay100Avici Card82
- Funds control score
- Gnosis Pay89Avici Card95
- Lowest fees score
- Gnosis Pay87Avici Card73
- Transfers score
- Gnosis Pay91Avici Card67
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersAvici CardUser-owned USDC collateral, Physical, virtual and phone-wallet use
- Trade-offs
- Gnosis PaySetup is more complex than prepaid cards, Cashback depends on GNO programme rulesAvici CardNo standard purchase cashback, Visa and penalty layers need care
Costs
7 fields- Plan cost
- Gnosis Pay$0Avici Card$0
- FX fee
- Gnosis Pay0%Avici Card0–1%
- Top-up fee
- Gnosis Pay0%Avici Card$0 Avici card top-up fee; swap and network execution costs are separate and not fully published
- Card spending fee
- Gnosis Pay0%Avici Card0%
- ATM fee
- Gnosis Pay0–2%Avici Card0–0.65%
- Virtual card
- Gnosis PayFree; available after the card application is acceptedAvici CardPlatinum $15 first / $10 extra; Signature $30 first year / $20 renewal
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeAvici CardPlatinum $50; Signature $75 + $20/year from year two
Plans
2 fields- Available plans
- Gnosis PayNot disclosedAvici Card2 plans: Visa Platinum, Visa Signature
- Top cashback plan
- Gnosis PayNot disclosedAvici CardVisa Platinum: 0%
Everyday use
8 fields- Network
- Gnosis PayVisaAvici CardVisa
- Card formats
- Gnosis PayVirtual, PhysicalAvici CardVirtual, Physical
- ATM withdrawals
- Gnosis PayAvailableAvici CardAvailable
- Mobile wallets
- Gnosis PayApple Pay, Google PayAvici CardApple Pay, Google Pay
- Apps
- Gnosis PayWebAvici CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionAvici CardNo fixed public transaction cap; balance, issuer and user-set limits apply
- Monthly spending limit
- Gnosis PayNot disclosedAvici CardNo fixed public monthly cap; dynamic controls apply
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayAvici Card$250 per day, up to 3 ATM transactions
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainAvici CardEthereum, Polygon, Optimism, Arbitrum, Solana
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeAvici CardStablecoins: USDC
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANAvici CardNot disclosed
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundAvici CardStablecoin transfers
- Payout currencies
- Gnosis PayEUReAvici CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Avici Card0%
- Max cashback
- Gnosis Pay5%Avici Card0%
- Reward currency
- Gnosis PayGNO cashbackAvici CardNo cashback
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredAvici CardNot offered
- How it works
- Gnosis PayNot offeredAvici CardNot offered
- Separate deposit
- Gnosis PayNot offeredAvici CardNot offered
- Use balance for spending
- Gnosis PayNot offeredAvici CardNot offered
- Lock-up
- Gnosis PayNot offeredAvici CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyAvici CardSelf-custody
- Control until payment
- Gnosis PayYou keep controlAvici CardYou keep control
- Card issuer
- Gnosis PayMonavateAvici CardThird National
- Card processing
- Gnosis PayPaymentologyAvici CardRelay
- Custody / key management
- Gnosis PaySafe{Wallet}Avici CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumAvici CardNot disclosed
- Identity verification
- Gnosis PaySumsubAvici CardSumsub
- Programme operator
- Gnosis PayGnosis PayAvici CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Avici Card16
- Last reviewed
- Gnosis PayAug 6, 2026Avici CardAug 21, 2026
04 · The trade-off
Gnosis Pay is the stronger all-round choice
Gnosis Pay finishes ahead with an Overall Score of 77 versus 71 for Avici Card. Gnosis Pay has the lower published FX fee (0% vs 0–1%). Both cards show the same base cashback rate of 0%.
Avici Card still comes out ahead for Funds control, which may matter more than the overall result if that is how you plan to use the card. Gnosis Pay and Avici Card use the same self-controlled wallet setup.
Gnosis Pay lists more stablecoins and ways to send money out (4 vs 2). 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 Avici Card reviews first.
Continue with
Gnosis Pay
Continue with
Avici Card
05 · Common questions
Gnosis Pay vs Avici FAQ
Is Gnosis Pay or Avici better overall?
Gnosis Pay has the higher Overall Score (77 vs 71). 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 Avici?
Gnosis Pay has the lower published FX fee (0% vs 0–1%). 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 Avici?
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 Avici differ on custody?
Gnosis Pay and Avici Card use the same self-controlled wallet setup.
How current is this Gnosis Pay vs Avici comparison?
The latest information check for these two cards was August 21, 2026, using 33 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.