Gnosis PayGnosis Pay
77
Side-by-side card comparison
Gnosis Pay vs Binance: 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 6, 202629 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 Pay77Binance58Higher score
CashbackGnosis Pay22Binance37Compare the details below
TravelGnosis Pay100Binance36Compare the details below
Funds controlGnosis Pay90Binance47Compare the details below
Lowest feesGnosis Pay87Binance56Compare the details below
TransfersGnosis Pay91Binance76Compare 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 Binance Card if its day-to-day setup suits you
Binance 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.
- Spend supported Binance crypto balances
- Google Pay support
- Cashback can rise by tier
What separates the two cards
The higher score is only the start. The rows below show which product differences create it.
- Overall Score
- Gnosis Pay77Binance58
Gnosis Pay has the higher Overall Score by 19 points.
- Entry cost & FX
- Gnosis Pay$0 plan · 0% FXBinance$0 plan · 2–3% FX
Gnosis Pay has the lower published FX fee (0% vs 2–3%).
- Purchase rewards
- Gnosis Pay0% base · up to 5%Binance1.5% base · up to 3%
Binance Card has the higher published base cashback rate (1.5% vs 0%).
- Funds control
- Gnosis PaySelf-controlled walletBinanceCustodial balance
Gnosis Pay uses a self-controlled wallet setup, while Binance 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 PayBinanceVirtual · Google Pay
Gnosis Pay lists more card formats and phone-wallet options (4 vs 2).
- Money movement
- Gnosis Pay3 stablecoins · Stablecoin transfers; IBAN outboundBinance3 stablecoins · Stablecoin transfers; Binance account fiat withdrawal
Binance Card lists more stablecoins and ways to send money out (5 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
- Cashback
- 1.5%-3%
- Plan cost
- $0
- FX fee
- 2–3%
- ATM fee
- Not disclosed
- Card formats
- Virtual
- Wallet payments
- Google Pay
- Receive methods
- 1 crypto · 1 fiat
- Payout methods
- 1 crypto · 0 fiat
Partner links may earn us a commission. Read our affiliate disclosure for how these links work.
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 PayOverall77Binance CardOverall58
Gnosis PayOverall77Binance CardOverall58Scores
6 fields- Overall Score
- Gnosis Pay77Binance Card58
- Cashback score
- Gnosis Pay22Binance Card37
- Travel score
- Gnosis Pay100Binance Card36
- Funds control score
- Gnosis Pay90Binance Card47
- Lowest fees score
- Gnosis Pay87Binance Card56
- Transfers score
- Gnosis Pay91Binance Card76
Strengths & trade-offs
2 fields- Strengths
- Gnosis PaySpend stablecoins from a dedicated Safe, SEPA IBAN funding fits euro usersBinance CardSpend supported Binance crypto balances, Google Pay support
- Trade-offs
- Gnosis PayConsumer card being discontinued; GNO cashback ends September 30, 2026Binance CardSpending follows the Binance account model, Virtual-only card
Costs
7 fields- Plan cost
- Gnosis Pay$0Binance Card$0
- FX fee
- Gnosis Pay0%Binance Card2–3%
- Top-up fee
- Gnosis Pay0%Binance CardNot disclosed
- Card spending fee
- Gnosis Pay0%Binance CardNot disclosed
- ATM fee
- Gnosis Pay0–2%Binance CardNot disclosed
- Virtual card
- Gnosis PayFree; available after the card application is acceptedBinance CardVirtual card up to 15 minutes after approval; 0 USD issuance fee
- Physical card
- Gnosis Pay30.23 EURe one-time; shipping freeBinance CardGlobal Program virtual-only; Brazil physical card is a separate regional branch
Plans
2 fields- Available plans
- Gnosis PayNot disclosedBinance Card3 plans: Tier 1, Tier 2, Tier 3
- Top cashback plan
- Gnosis PayNot disclosedBinance CardTier 3: 3%
Everyday use
8 fields- Network
- Gnosis PayVisaBinance CardMastercard
- Card formats
- Gnosis PayVirtual, PhysicalBinance CardVirtual
- ATM withdrawals
- Gnosis PayAvailableBinance CardNot disclosed
- Mobile wallets
- Gnosis PayApple Pay, Google PayBinance CardGoogle Pay
- Apps
- Gnosis PayWebBinance CardiOS, Android
- Daily spending limit
- Gnosis Pay8,000 EURe/GBPe/USDCe/day; 5,000 EURe/GBPe/USDCe/transactionBinance CardShown in app
- Monthly spending limit
- Gnosis PayNot disclosedBinance CardShown in app
- ATM limit
- Gnosis Pay250 EURe/GBPe/USDCe/withdrawal; 500 EURe/GBPe/USDCe/dayBinance CardNot disclosed
Funding & transfers
5 fields- Networks
- Gnosis PayGnosis ChainBinance CardNot disclosed
- Crypto deposits
- Gnosis PayStablecoins: EURe, GBPe, USDCeBinance CardOther crypto: Supported crypto
- Fiat deposits
- Gnosis PayReceive-only SEPA IBANBinance CardBinance account bank deposit
- Transfers
- Gnosis PayStablecoin transfers; IBAN outboundBinance CardStablecoin transfers; Binance account fiat withdrawal
- Payout currencies
- Gnosis PayEUReBinance CardNot disclosed
Rewards
3 fields- Base cashback
- Gnosis Pay0%Binance Card1.5%
- Max cashback
- Gnosis Pay5%Binance Card3%
- Reward currency
- Gnosis PayGNO cashbackBinance CardUSDC or BTC equivalent cashback (country-dependent)
Earn
5 fields- Advertised APY
- Gnosis PayNot offeredBinance CardNot offered
- How it works
- Gnosis PayNot offeredBinance CardNot offered
- Separate deposit
- Gnosis PayNot offeredBinance CardNot offered
- Use balance for spending
- Gnosis PayNot offeredBinance CardNot offered
- Lock-up
- Gnosis PayNot offeredBinance CardNot offered
Trust & availability
8 fields- Custody
- Gnosis PaySelf-custodyBinance CardCustodial
- Control until payment
- Gnosis PayYou keep controlBinance CardProvider controls funds
- Card issuer
- Gnosis PayMonavateBinance CardImmersve Limited
- Card processing
- Gnosis PayPaymentologyBinance CardNot disclosed
- Custody / key management
- Gnosis PaySafe{Wallet}Binance CardNot disclosed
- Bank transfers
- Gnosis PayMoneriumBinance CardNot disclosed
- Identity verification
- Gnosis PaySumsubBinance CardNot disclosed
- Programme operator
- Gnosis PayGnosis PayBinance CardNot disclosed
Sources
2 fields- Official sources
- Gnosis Pay17Binance Card12
- Last reviewed
- Gnosis PaySep 6, 2026Binance CardAug 5, 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
Binance Card
05 · Common questions
Gnosis Pay vs Binance FAQ
Is Gnosis Pay or Binance 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 Binance?
Gnosis Pay has the lower published FX fee (0% vs 2–3%). 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 Binance?
Binance Card has the higher published base cashback rate (1.5% vs 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 Binance differ on custody?
Gnosis Pay uses a self-controlled wallet setup, while Binance 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 Binance comparison?
The latest information check for these two cards was September 6, 2026, using 29 official sources in total. Each full card review lists its own check date, sources and anything the provider has not clearly disclosed.