Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Avici: 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 Sep 20, 202634 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 Pay77Avici71Higher score
CashbackGnosis Pay22Avici21Compare the details below
TravelGnosis Pay100Avici82Compare the details below
Funds controlGnosis Pay90Avici95Compare the details below
Lowest feesGnosis Pay87Avici74Compare the details below
TransfersGnosis Pay91Avici67Compare 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 Avici Card if its day-to-day setup suits you
Avici 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.
- User-owned USDC collateral
- Physical, virtual and phone-wallet use
- Low provider fees
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- 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
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
- 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
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 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 Pay90Avici Card95
- Lowest fees score
- Gnosis Pay87Avici Card74
- 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 PayConsumer card being discontinued; GNO cashback ends September 30, 2026Avici 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$3,000 per day; the older help page still lists up to 3 ATM transactions per day
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 Card17
- Last reviewed
- Gnosis PaySep 6, 2026Avici CardSep 20, 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
Avici Card
05 · Common questions
Gnosis Pay vs Avici FAQ
Is Gnosis Pay or Avici 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 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 September 20, 2026, using 34 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.